TERMS OF USE
Effective Date: 5th August 2026.
These Terms of Use (”Terms”) govern your use of our website and services. By accessing or using our services, you agree to comply with these Terms. Should you not agree, please refrain from using our services.
1. SERVICE PROVIDER
The service is provided by Riina Henriikka Jokela FIE, which is registered in Estonia and has the company registration number 16747304. Customer support is available at info@karpasenakatossa.com.
2. SERVICES
As of 30th of March, 2026 we offer:
- 1:1 Tutoring
- Digital Learning Materials
All services are subject to our specific policies, which outline booking, cancellations, payments, and product use.
3. APPLICABLE POLICIES
These Terms are supplemented by the following policies, which form an integral part of your agreement with us:
- Privacy Policy – explains how personal data is collected and processed
- Product-specific terms – where applicable, additional terms may apply to certain products or services and will be clearly presented before purchase
By using our services, you confirm that you have read and accepted all applicable policies.
4. DIGITAL PRODUCT POLICY
4.1. LICENSE & USAGE
All digital products (including, but not limited to eBooks, worksheets, audio files, videos, and downloadable materials) are provided with a non-transferable, non-exclusive license for personal, non-commercial use only. Definition of Personal Use: For the purposes of these Terms, “personal use” refers to the use of the products for your individual learning or within your immediate private circle (e.g., family members or a private study partner).
You are prohibited from sharing, uploading, or distributing the digital files to any public forum, shared database, or third parties outside of your private circle. Any use of the products for financial gain, professional training, or within a commercial setting is strictly prohibited. This includes, but is not limited to, reselling, sub-licensing, or incorporating the materials into a paid curriculum or course.
If you are a teacher, language school, or educational institution and wish to use our resources in your classes, this constitutes commercial use. Please contact us at info@karpasenakatossa.com for information regarding a commercial license and applicable fees.
Please note that unauthorised commercial use is prohibited, and we reserve the right to seek reasonable compensation or legal remedies for misuse.
4.2. ACCESS & DELIVERY
Upon purchase, digital products will be made available for immediate download unless otherwise specified. Should there be any problem with the download, please email us at info@karpasenakatossa.com and we will do our best to provide a working version of the product.
4.3. REFUNDS & RETURNS
By purchasing and accessing our digital products, you expressly consent to the immediate commencement of the performance of the contract. You acknowledge and agree that once the download or streaming of the digital content has begun, you lose your statutory 14-day right of withdrawal (refund). Therefore, under our current policy for digital products, we do not offer refunds or exchanges once the product has been downloaded or accessed.
However, if you experience significant technical problems that prevent you from accessing the product (e.g. issues with file downloads), please contact us at info@karpasenakatossa.com within 7 business days of purchase. We will do our best to resolve the issue or offer a refund if we are unable to provide a working version of the product. If we issue a refund due to technical problems preventing access to the product, any applicable payment processing fees will be covered by us. After processing, refunds typically take about 5–10 business days to appear on your bank or credit card statement.
4.4. AUDIO QUALITY DISCLAIMER
We take pride in providing high-quality digital resources. While the audio content is clear and the voice is easily understandable, please be aware that some of our audio files include live interviews, which may occasionally contain minor background noises (such as slight cracking or other sounds). These small imperfections are not reflective of the product’s quality and do not affect the clarity of the audio or its educational value.
4.5. UPDATES
From time to time, we may update or improve our digital products. Customers who have purchased a product are eligible for free updates if the product is modified or improved within a reasonable timeframe, which we consider to be 12 months. It is your responsibility to inquire about such updates via info@karpasenakatossa.com.
5. 1:1 TUTORING POLICY
By requesting or booking a 1:1 tutoring session, you confirm that you have read and accepted the terms of this policy. If you do not accept this policy, please refrain from requesting a booking.
5.1. BOOKING PROCESS
1. Request: All 1:1 lessons begin with a booking request submitted via our website or email. This request does not constitute a confirmed booking.
2. Payment: Upon receiving a request, we will issue a PDF invoice or a Stripe payment link based on your preference.
3. Confirmation: A lesson is considered officially booked only once full payment has been received.
5.2. CANCELLATIONS & RESCHEDULING
Student cancellations or requests to reschedule must be made at least 24 hours before the scheduled lesson time. Cancellations made with more than 24 hours’ notice will be eligible for a refund, minus any third-party processing fees. Cancellations made less than 24 hours before the lesson, or ”no-show,” are non-refundable.
If the tutor needs to cancel for any reason, you will be offered a full refund (including processing fees) or the option to reschedule. We will notify you of any such cancellation as soon as possible.
5.3. ATTENDANCE & TECHNICAL REQUIREMENTS
If you are more than 15 minutes late to a session without notifying the tutor that you would arrive late, the tutor reserves the right to terminate the session. In this instance, no refund will be issued.
Students are responsible for ensuring they have the necessary software (e.g., Google Meet) and a stable internet connection. We are not obligated to refund lessons disrupted by technical issues on the student’s side.
If the tutor experiences significant technical issues that prevent the lesson from proceeding, a full refund (with possible processing fees covered by us) or replacement lesson will be provided.
5.4. STUDENT & TUTOR CONDUCT
We expect respectful and professional behaviour at all times. The tutor reserves the right to end the lesson immediately, with no refund issued. The following actions, while not limited to those listed below, are considered inappropriate behaviour:
- Identity Misconduct: Multiple users (if not agreed upon) attempting to join a 1:1 session from a single account.
- Inappropriate behaviour: Students must not attend lessons while under the influence of alcohol or drugs. If a student appears intoxicated or otherwise impaired, the tutor reserves the right to end the lesson immediately without a refund. Students must not join lessons while driving any vehicle, operating machinery, or engaging in any activity that requires their attention for safety reasons. This is a serious safety concern. Lessons are intended to be attended from a safe environment. If a student joins a lesson while driving or operating machinery, the tutor reserves the right to end the lesson immediately without a refund. Sexual harassment, inappropriate comments or advances, abusive language, threatening behaviour, or other conduct that creates an unsafe or uncomfortable environment will result in the lesson being terminated immediately and may lead to a permanent ban from booking future lessons.
- Camera Usage: While keeping the camera on is generally optional, the tutor may request that it be turned on when reasonably necessary to verify attendance or maintain the integrity of the lesson. Unreasonable refusal may result in the lesson being ended without a refund.
- Recording: Recording tutoring sessions by the student, whether audio or video, is strictly prohibited unless prior written permission has been obtained.
6. ELIGIBILITY
Our services are primarily intended for individuals 18 years or older. We do not knowingly offer 1:1 tutoring for minors under the age of 18 years. Our other services are primarily designed for adult learners 18+. If you are under 18, you must obtain permission from your parent or legal guardian before making any purchases. By completing a purchase, you confirm that you have the legal capacity, or the necessary permission from your parent or legal guardian, to enter into this agreement. Our services are not intended for children under 13, in compliance with U.S. laws.
7. PAYMENT & REFUNDS
Payment information: We process payments through third-party payment providers (such as Stripe, PayPal, or other integrated services) as well as direct invoicing in certain cases. If you pay through a third-party provider, we do not store or process your payment details directly. Instead, your payment information is securely handled by the payment provider in accordance with their own security and data protection policies. If you pay via invoice, we will process your payment details such as your name, invoice number, and payment status, to manage the transaction. However, we do not store sensitive financial information such as full credit card details. We only retain the necessary transaction details to process purchases, issue refunds if applicable, and comply with legal record-keeping requirements. Payment information is processed in accordance with our Privacy Policy.
Refund eligibility is outlined in the sections above. For some services we may have its own policy, which would be listed under the product before you make a purchase.
8. LIMITATION OF LIABILITY
Our services are provided ”as is”, and we make no guarantees regarding uninterrupted or error-free experiences. We are not responsible for losses from cancellations, internet disruptions, or third-party service failures.
9. FORCE MAJEURE
We are not liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from events beyond our reasonable control, including but not limited to natural disasters, pandemics, public health emergencies, sudden serious illness or incapacitation of the tutor, power outages, widespread internet service provider failures, significant technical malfunctions or cyberattacks affecting third-party platforms (e.g., Stripe, Setmore, Google Meet), governmental actions, strikes, war, or other unforeseeable circumstances beyond our influence.
In such situations, our obligations may be suspended for the duration of the force majeure event. We will make reasonable efforts to notify affected customers and resume the services as soon as possible once the situation allows.
10. GOVERNING LAW & DISPUTE RESOLUTION
These terms and the service are governed by Estonian law. Any disputes will first be attempted to be resolved through negotiation. If this is not possible, disputes will be handled in Harju County Court, Estonia.
11. CHANGES TO THESE TERMS
We may update these Terms from time to time. Continued use of our services after updates constitutes acceptance of the revised Terms.
12. CONTACT INFORMATION
For any questions, please contact us at: info@karpasenakatossa.com.