Terms of Service
Last updated: June 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, 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 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, 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 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.
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.
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
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.
Recurring memberships (e.g. the Story Lens community). Membership subscriptions renew automatically each period until you cancel. You can cancel at any time, effective at the end of your current paid period; you will keep access until then.
14-day money-back guarantee (first purchase). If the community isn't right for you, email us at support@hugokorhonen.com with the subject "Refund" — or DM Hugo Korhonen on Skool — within 14 days of your first purchase, and we will refund that payment in full. After those first 14 days, payments are non-refundable, and we do not provide partial refunds for any period already started (including after a renewal).
Where the membership is sold and billed through Skool as merchant of record, Skool's checkout terms apply to the purchase and the refund above is processed through Skool's systems; billing queries are handled in accordance with those terms. To the extent you have a statutory right of withdrawal, you acknowledge that for immediately-accessible digital content this right ends once access begins with your consent, as described above.
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.
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.