NO FEAR SCHOOL – TERMS AND CONDITIONS – Last updated 16.03.2022
1) This store is selling digital products: online courses, coachings and concerts and physical products by No Fear Yes Love Oy.
2) The service is provided by No Fear Yes Love Oy. Registered office: No Fear Yes Love Oy. Sturenkatu 26 lt 36. 00510 Helsinki. Finland. VAT-number FI32361302. Primary contact channel: [email protected]
3) Payment methods in the online store are:
For Finnish customers only:
Nordea, Osuuspankki, Danske Bank, LähiTapiola, Aktia, Nooa, Paikallisosuuspankit, Säästöpankit, Handelsbanken, S-Pankki, Ålandsbanken and charge cards.
These services are provided by Visma Pay.
For all the customers:
In our online store you can pay with a credit card or a debit card (Visa, Mastercard, American Express) by using Stripe or Paypal.
See below for more information about the payment methods.
All the prices include VAT and the currency in the store is euro.
Visma Pay (Visma Payments Oy, business-id FI24865594) is the payment facilitator of the online shop. Visma Payments Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of Visma Pay. Visma Pay or Visma Payments Oy is shown as the receiver of your payment in the bank account listing and in your invoice. Paying with Visma Pay is safe. All information is exchanged through secured connections.
The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade.
Read more about Visma Pay: https://www.visma.fi/vismapay/
With Visma Pay you can pay your order by an internet banking account, a wallet, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, Jousto, Fellow Lasku, MobilePay, Masterpass, Pivo, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards.
MobilePay: You can pay with your MobilePay wallet if you have allowed online payments in the settings of the MobilePay application. Payment via MobilePay takes place directly from the payment card linked to MobilePay. If charging the payment from the linked card fails, MobilePay can not be used in the online shop.
Pivo: Terms and conditions of Pivo can be found here: https://pivo.fi/kayttoehdot/pivon-kayttoehdot/
Jousto invoice and part-payment is a Finnish service for making purchases quickly and safely. Jousto is for private persons having their economy in balance. With Jousto you will get 30 days time to pay without interest or expenses. After you have received an invoice, you can decide to pay it at once or in parts. You can pay our purchase in up to 36 parts, starting from 9,90 eur/month. Expenses for Jousto part-payment are 3,90 eur/month and 19,90% interest. With Jousto you can pay purchases from 30 to 3000 eur. Aurajoki Nordic Oy issues the credit. Read more from www.jousto.com.
OP Lasku: A flexible invoice payment method. OP Lasku serves all Finnish banks’ customers. Suitable for online purchases of up to 5000 € with an interest-free payment term of 45 days. The instalment option adds flexibility to purchases. Your purchases are visible in one place so you can easily keep track of them. Invoices are sent to you by email. To use OP Lasku, you must be solvent and over 20 years old. More information available at: https://www.op.fi/henkiloasiakkaat/paivittaiset/maksaminen/op-lasku
Contact Visma Pay
Visma Payments Oy (business-id FI24865594)
E-mail: [email protected]
Telephone: +358 9 315 42 037 (workdays 8-16)
Address: Brahenkatu 4, 53100 Lappeenranta, Finland
Read the terms in Finnish here
Stripe is a safe and easy payment method. Payment is made in the online store and when doing so you are not forwarded to another service provider. When you pay using Stripe credit card payment method you agree to Stripe Services Agreement — Finland, which is available here.
Following the FACTA Law PayPal is legally compelled to disclose necessary information to law enforcement agencies and authorities, if requested, in case of investigations of fraud or other illegal activity or potential illegal activity.
4) Delivery, exchange and return policy:
Physical products have set delivery prices: within Finland 9,90€ and to any other country 16,90€ per purchase.
Orders are sent using Finnish postal service Posti.
Delivery time is mentioned in the description of the product.
Exchange and return policy
Online concerts have a 14-day cancellation policy starting from the moment of purchase.
The cancellation policy does not apply to situations when the product is delivered with the customer’s approval before the 14-day cancellation policy. When it comes to online concerts, the product is considered delivered when it is available to the customer for viewing on the designated online platform.
The online courses have a 30-day satisfaction guarantee. If you are not satisfied with the course , please contact our customer service through [email protected] to discuss the reasons for the cancellation request in order to get a refund. In a case of cancellation, the refund is made to the same payment method used to make the purchase.
Based on the Finnish Consumer Protection Act you have a 14-day right, starting from the moment the order is received, to change or return your entire order or part of it. Exchange and return policy applies only to products in their original condition and packaging. The customer is responsible for the cost to return the product.
If you want to return your order, please contact us on [email protected] In case of returning a physical product, the refund is made to the same payment method used to make the purchase.
5) The digital service this agreement is referring to is compatible with commonly used modern internet browsers and requires a computer, smart phone or tablet device to be used. It is the responsibility of the user to make sure they have a compatible device and browser to use this service. Service provider is not responsible for possible compatibility issues or for any costs regarding the acquirement of a compatible device and/or program.
Every participant will perform the exercises given through this service on their own risk. Participants under the age of 18 need their parent or guardian’s permission. Service provider is not responsible for any possible injury, illness or accident that participants may encounter.
Participant will commit to using the service for personal use only and for non-commercial purposes.
6) User account
The services might require the user to create an account on the web page or services like Livestorm or Kajabi. User must provide the required personal information. User is responsible for providing correct and current information. User will choose a username and password for their account.
User account is personal. User must not reveal their login details or give access to their account to a third party. The service provider is not responsible for any unauthorized, inappropriate or illegal use of an account if the login details are shared, guessed, breached or targeted by a program error. If user becomes aware of unauthorized use of their account or that their account details have been compromised the user must immediately notify the service provided. Service provider has the right to shut down use of said account in order to prevent misuse.
7) Rules of conduct and denial of service
User is personally responsible for their actions and messages while using the services. User must use the service in accordance with these terms, existing regulations and general good practice. For example, the service provider holds the following actions as violation of these terms:
– sharing or sending illegal, harmful or offensive content
– spreading or attempting to spread harmful programs and other attempts to harm or breach the systems of the service provider or other users
– infringement of service providers copyright and intellectual property
– any other use of the service which breaks these terms, laws or regulations
– impersonating someone or using other users’ login details, or attempting such act
– threatening, harassing, bullying or discriminating against other users, people or groups
Should the service provider assess that a user has broken these terms and/or used the service for any illegal or otherwise forbidden purpose, service provider has the right to terminate access temporarily, permanently, or delete the user account without permission from the user.
8) Intellectual property rights
Ownership, copyright, trademarks and other intellectual property rights of the content sent to users and shown on the web site of this service belong to No Fear Yes Love Oy unless otherwise specified. Lending, copying, saving, editing, modifying, transferring, presenting or any other exploitation of the content even partially without a written agreement from No Fear Yes Love Oy beforehand is strictly forbidden.
9) Personal data collection and use
No Fear Yes Love Oy collects and handles personal user data in accordance with with the Personal Data Act (FI) and the General Data Protection Regulation (EU) 2016/679.
User will give consent to collection and handling of their personal data when creating an account.
This policy explains how personal user data is handled in https://www.nofear.store/shop/ which is operated by No Fear Yes Love Oy. The policy is in accordance with General Data Protection Regulation (EU) 2016/679. Effective starting 29.4.2020.
No Fear Yes Love Oy
Sturenkatu 26 lt 36
Contact: [email protected]
No Fear Yes Love Oy user data and marketing registry
Legal basis of information collection and use
Under the General Data Protection Regulation justified reasons for handling personal data can be:
– user consent
– customer relation
– a contract of which the user is one party
Personal data is used to contact clients, maintain client relations and for marketing purposes.
Personal data is not used for automated decision making or profiling.
Type of data collected
Personal data collected to the registry may include: name, company/organisation, contact details (phone number/email/address), web site address, Internet Protocol address, social media profile, information on orders and transactions, changes in services, billing information and other information regarding customer relations and ordered services.
Source of data
Data collected in the registry is provided by the user via contact forms, email, phone, social media, contracts, meetings and other situations where the user hands over information.
Sharing personal user data to other parties and transfer of data outside EU or ETA
Data will not normally be shared to any other party. Data may be published in special occasions but only with acquired consent from the user.
Data may be transferred and handled by the registry holder outside EU or ETA.
Usability of service
No Fear Yes Love Oy is not liable and does not guarantee that user connections function properly or that the service or website will be continuously available without interruptions.
User is responsible for using the service with appropriate and secure equipment, programs and systems, such as computers, browsers and internet connection.
Keeping personal data secure
Registry holder will ensure that all data, access to data and other critical information regarding personal data security will be handled securely and confidentially only by essential employees.
User rights to access and rectify data
User has the right to access the data collected of them. User also has the right to ask for rectification of erroneous information and to add missing information. If a user would like to access or change their data, the request must be sent in written form via email to the registry holder. Registry holder may ask the user to provide personal identification. Registry holder will handle requests in one month or less, as is regulated by GDPR.
User rights to delete or restrict use of personal data
User has the right to request that all data of them will be deleted. User can also request to restrict the use of their personal data in certain situations. Requests to delete or restrict personal data must be sent in written form via email to the registry holder. Registry holder may ask the user to provide personal identification. Registry holder will handle requests in one month or less, as is regulated by GDPR.No Fear Yes Love Oy