Terms of Service
Last updated: October 2026
Welcome to Oy Hugo Korhonen Creative Ltd (“we,” “us,” “our”).
These Terms of Service (“Terms”) govern your use of our websites, including https://www.hugokorhonen.com and https://joinstorylens.com (together, the "Site"),and any related services, programs, or digital products we provide.
By using this website or purchasing from us (including through Stripe, Skool, Lu.ma, Gumroad, or bank transfer), you agree to these Terms and our Privacy Policy.
If you do not agree, please do not use our website or purchase our products or services.
1. Company Information
Oy Hugo Korhonen Creative Ltd
Business ID: 3555828-2
Registered in Finland
Email: support@hugokorhonen.com
2. Use of the Website
Our website is provided for informational and promotional purposes only.
You may browse and share content for personal, non-commercial use.
You agree not to:
Copy, modify, or republish website materials without permission.
Use the website for unlawful or disruptive purposes.
Attempt to interfere with its functionality or security.
We do not provide user accounts or comments. We do not use advertising or cross-site tracking cookies; any analytics we use is described in our Privacy Policy.
3. Products and Services
We provide:
Long-term coaching and mentoring in photography and business,
Online courses, workshops and educational materials, and
Digital products such as ebooks, guides and wallpapers.
Details, prices, and terms of each offer are stated on our sales pages, checkout forms, or individual agreements.
Where a separate written coaching or service agreement exists, that agreement prevails over these general Terms in case of any conflict.
4. Payments and Delivery
Payments are processed securely through third-party providers such as Stripe, Skool, Lu.ma and Gumroad, under their respective terms and privacy policies.
We may also accept bank transfers by mutual agreement.
Digital products are delivered electronically (for example, via download link or email).
Coaching and course materials are delivered online through the platforms we specify after purchase.
5. Subscriptions and Installments
Some of our services, such as long-term coaching programmes, operate on a recurring or scheduled payment basis.
The duration, billing cycle, and cancellation terms for these services are agreed individually and confirmed in writing before the programme begins, in your coaching agreement.
Unless otherwise agreed, recurring services renew automatically until cancelled in accordance with your agreement.
You may cancel a recurring service according to the terms agreed with us. Cancelling stops future payments. Where a refund is available, that is covered in §6.
Certain offerings — in particular the Story Lens community membership — are sold and billed through Skool, which acts as the merchant of record for those purchases. Your subscription, billing, renewals and the applicable checkout terms for the community are handled by Skool under its own terms, and payments for it are processed by Skool rather than by us directly.
Certain digital courses or coaching offers may be provided with split or installment payments. By choosing an installment plan, you agree to pay the full purchase price, even if you stop participating before all installments are completed. Installment agreements are binding once the service has begun and cannot be cancelled mid-term.
This paragraph applies to coaching programmes and installment-based offers only. It does not apply to the Story Lens community membership, which is a monthly subscription you can cancel at any time — see §6A.
For recurring subscriptions, we will give you reasonable advance notice of any change to the recurring price before it takes effect, and you may cancel before the new price applies if you do not wish to continue. This does not affect amounts already paid for periods already started.
6. Refunds and Guarantees
Different things we sell have different refund terms. §6A covers the Story Lens community membership. §6B covers 1:1 mentorship, coaching programmes and individually prepared work. §6C covers ebooks and other digital products. §6E covers live workshops and events. §6D applies to all of them.
6A. Story Lens community membership
The membership is a monthly subscription, billed at the price shown at checkout. It is sold and billed through Skool, which acts as merchant of record for that purchase; Skool's checkout terms apply to the transaction itself and payments are processed by Skool rather than by us directly.
Cancelling. You can cancel at any time, directly in Skool. Cancellation takes effect at the end of your current paid period, and you keep access until then. There are no contracts and no minimum term.
14-day money-back guarantee. If the community isn't right for you, email us at support@hugokorhonen.com with the subject "Refund", or message Hugo Korhonen on Skool, within 14 days of your first payment. We will refund that payment in full. No questions asked.
After the first 14 days. Payments are non-refundable once a period has started, and we do not provide partial refunds for part-months. Cancelling stops future payments; it does not refund the period you are currently in.
Your statutory rights. Nothing in these Terms limits any right you have as a consumer under Finnish or EU law. Where you have a statutory right to withdraw from the contract, the 14-day guarantee above is intended to give you at least the same outcome, and you can rely on whichever is more favourable to you.
6B. 1:1 mentorship, coaching programmes and individually prepared work
These are agreed individually. Before a programme begins, you receive and agree to a separate written agreement covering scope, payment schedule, cancellation and refunds for that programme. That agreement governs these purchases and prevails over this section where the two differ, as set out in §3.
The 14-day guarantee in §6A applies to the Story Lens community membership only, not to 1:1 work. If for any reason no separate agreement is in place, your statutory rights as a consumer apply in full.
6C. Ebooks and other digital products
This section covers ebooks, guides and other downloadable products, such as Stop Researching.
Where you buy. Our ebooks are sold through Gumroad, which acts as merchant of record for those purchases. Gumroad processes your payment, adds any applicable VAT at checkout and issues your receipt. Gumroad's checkout terms apply to the transaction itself. These Terms apply to the product and to our guarantee.
Delivery. You get access to the file straight after payment, through a download link on the confirmation page and by email.
30-day money-back guarantee. Unless the product page states different terms, every ebook comes with a 30-day money-back guarantee. If it is not useful to you, email support@hugokorhonen.com with the subject "Refund" within 30 days of purchase, using the email address you bought with. We will refund the full purchase price. No questions asked, and you can keep the book. Refunds are returned to your original payment method through Gumroad. How long they take to appear depends on your bank or card provider.
Fair use of the guarantee. We may decline repeated refund requests from the same buyer where the guarantee is clearly being misused.
Your statutory rights. Under EU law, a consumer can lose the 14-day right of withdrawal for digital content once the download begins, if they agreed to immediate delivery. Our 30-day guarantee applies regardless, so you lose nothing by downloading straight away. Nothing in these Terms limits any right you have as a consumer under Finnish or EU law.
Recommendations and prices. Product recommendations, availability and prices reflect the time of writing. Manufacturers change models and prices, so please check current details before you buy any equipment.
6D. Applies to all
Results. We do not guarantee specific business, creative or financial results. Where a particular offer includes a satisfaction or performance guarantee, it will be stated clearly on the sales page or in your individual agreement.
Business customers (B2B). If you are purchasing on behalf of a business or organisation, or for professional use, consumer withdrawal rights do not apply. Business purchases are binding and non-refundable unless otherwise agreed in writing or stated on the product page.
6E. Live workshops and events
This section covers live online workshops and events with a fixed date, booked through Lu.ma or another platform we specify.
Cancelling your spot. Email support@hugokorhonen.com with the subject "Refund" at least 7 days before the workshop starts and we will refund your ticket in full. After that, tickets are non-refundable unless your statutory right of withdrawal below applies, but you can transfer your spot to another person by emailing us before the workshop begins.
If you cannot attend. Workshops are recorded, and your ticket includes lifetime access to the replay. Missing the live session does not entitle you to a refund.
Lifetime access. "Lifetime access" means for as long as we continue to offer the workshop and the platform hosting it remains available. If we ever retire a recording, we will give you at least 30 days' notice by email.
If we cancel or reschedule. If we cancel a workshop, you receive a full refund. If we move the date and the new one does not suit you, you can choose a full refund instead.
Your statutory rights. If you are a consumer, you have a 14-day right of withdrawal from the date of purchase. If the workshop takes place within those 14 days, you ask us at checkout to deliver it within the withdrawal period, and you accept that the right of withdrawal ends once the live session has taken place and the replay has been made available to you. Nothing in these Terms limits any right you have as a consumer under Finnish or EU law.
7. VAT and Country Restrictions
We comply with EU and international VAT rules for digital products and services.
VAT may be added to the price depending on your billing country and whether you are a consumer or a registered business.
Due to regional restrictions, we may not sell digital products to certain countries or jurisdictions listed on our website or sales platforms.
If a transaction from a restricted region occurs, it may be canceled and refunded.
8. Intellectual Property
All materials on this website and in our products — including text, images, videos, designs, and branding — are owned by or licensed to Oy Hugo Korhonen Creative Ltd.
Purchasing a product grants you a personal, non-transferable license for your own use only.
You may not share, copy, distribute, or resell our materials without written permission.
Ebooks. Your licence lets you read the ebook on your own devices and print it for your own use. You may also upload it to an AI assistant, such as ChatGPT or Claude, to ask it questions for your own use, as the book suggests. You may not share the file, post it publicly, resell it or redistribute it, including by publishing AI outputs that reproduce substantial parts of it.
9. Coaching Disclaimer
Our coaching, courses, and digital materials are provided for informational and educational purposes only.
We do not guarantee specific business, creative, or financial results.
9A. Recording and Use of Workshop Materials
Our online workshops, courses, and coaching sessions may be recorded (audio, video, and chat) for training, educational, and client-access purposes.
By enrolling in or attending these sessions, you acknowledge and agree that recording is an essential part of the service and consent to being recorded.
Recordings may be used:
to provide replays or lifetime access to participants and clients, and
for marketing or promotional purposes (such as excerpts on websites or social media).
We will not sell or share recordings with third parties outside our company’s activities.
If you no longer wish your identifiable participation (voice, face, or name) to appear in marketing materials, you may withdraw your consent at any time by contacting support@hugokorhonen.com.
We will then stop using your identifiable content in future promotional materials, although the recordings themselves may continue to be stored and made available for educational and client-access purposes.
By participating in our recorded sessions, you waive any right to inspect or approve finished recordings that include your participation, provided their use complies with this section.
10. Privacy Policy
We value your privacy and comply with the EU General Data Protection Regulation (GDPR) and the Finnish Tietosuojalaki (1050/2018).
Personal data submitted via contact forms, newsletters, or purchase platforms is processed according to our Privacy Policy.
Read our Privacy Policy: https://www.hugokorhonen.com/privacy-policy
11. Links and Third-Party Services
Our website may contain links to third-party sites or services (such as Stripe or Gumroad).
We are not responsible for their content, terms, or privacy practices.
Using third-party services is at your own risk.
12. Limitation of Liability
To the fullest extent permitted by Finnish law, we are not liable for any indirect or consequential losses arising from your use of our website, products, or services.
This includes (without limitation) loss of income, profit, data, goodwill, or opportunity.
Nothing in these Terms limits liability where it would be unlawful to do so under Finnish law.
13. Code of Conduct; Removal from Events
You agree to behave respectfully during all workshops, courses, group sessions, and live events.
Disruptive, offensive, abusive, illegal, or harassing behaviour toward other participants, speakers, or staff will not be tolerated.
We reserve the right, at our sole discretion, to warn, mute, remove, or permanently ban any participant who violates this provision or otherwise materially interferes with the event.
If you are removed from a live event or program for misconduct, we are not obliged to refund any fees paid for that session or service.
14. Right to Terminate
We reserve the right to suspend or terminate access to our website or services if these Terms are breached.
15. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue to apply.
16. Governing Law
These Terms are governed by and construed in accordance with the laws of Finland.
Any disputes shall be resolved in the courts of Finland, unless mandatory consumer protection laws of another EU country apply.