Terms of Service
Last updated: October 2025
Welcome to Oy Hugo Korhonen Creative Ltd (“we,” “us,” “our”).
These Terms of Service (“Terms”) govern your use of our website https://www.hugokorhonen.com and any related services, programs, or digital products we provide.
By using this website or purchasing from us (including through Stripe, 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, comments, or cookie-based tracking on our website.
3. Products and Services
We provide:
Long-term coaching and mentoring in photography and business,
Online courses and educational materials, and
Digital goods such as 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 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 programs, operate on a recurring or scheduled payment basis.
The duration, billing cycle, and cancellation terms for these services are agreed individually in writing or verbally confirmed before purchase, such as in your coaching agreement or onboarding call.
Unless otherwise agreed, recurring services renew automatically until canceled in accordance with your agreement.
You may cancel a recurring service according to the terms agreed with us. Canceling stops future payments but does not refund previous ones.
Certain digital courses or 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 digital product or service has begun and cannot be canceled mid-term.
6. Refunds and Guarantees
All sales are final unless otherwise stated on the relevant sales or checkout page.
Because our products and services are digital, coaching-based, or individually prepared, they become non-refundable once preparation or delivery has begun.
When you enroll in a coaching program or commit to a coaching plan, you reserve a time slot that prevents others from booking it, and we begin preparing materials and planning before the first session.
By confirming your participation (for example, on a call, by email, or through a signed agreement), you expressly agree that the right of withdrawal ends once preparation work begins, even if the first session has not yet taken place.
For digital products and online courses, consumers acknowledge that under the Finnish Consumer Protection Act (38/1978, Chapter 6, Section 16(1)(11)) and the EU Digital Content Directive, the right of withdrawal does not apply once access to digital content or services has started with their consent.
We generally do not offer guarantees or promises of specific results.
If a particular offer includes a satisfaction or performance guarantee, it will be clearly stated on the sales page or in your individual coaching agreement.
Business Customers (B2B)
If you are purchasing on behalf of a business, organization, or for professional use, these consumer withdrawal rights do not apply.
All purchases made by business clients are binding and non-refundable unless otherwise agreed in writing.
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.
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.
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. Right to Terminate
We reserve the right to suspend or terminate access to our website or services if these Terms are breached.
14. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue to apply.
15. 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.