Coach Sari Aalto / Oivalluksenaalto Oy
Last updated: 11th April 2026
1. Company Information
These Terms & Conditions (hereinafter referred to as the "Terms") govern all services and products offered by:
Oivalluksenaalto Oy
Business ID: 3278447-9
Santaradantie 2 F 179, 01370 Vantaa, Finland
Email: [email protected]
Website: www.coachsariaalto.com
By purchasing or accessing any product or service from Oivalluksenaalto Oy, you agree to be bound by these Terms & Conditions. Please read them carefully before making a purchase.
2. Scope of Services
These Terms apply to all products and services offered by Coach Sari Aalto / Oivalluksenaalto Oy, including but not limited to:
Free content (quizzes, downloadable PDFs, email sequences)
Digital products (courses, online courses, workbooks, templates)
1:1 coaching packages and single sessions
Group coaching programmes
Mastermind programmes
Memberships and online communities
Where a specific product or programme has additional terms (for example, a mastermind agreement), those terms will be provided to you separately before purchase and will form part of your agreement with us.
Age Requirement.
You must be at least 18 years of age to purchase or access any of our services or products. By purchasing or accessing our services, you confirm that you meet this requirement. If you are under 18, you may not use our services.
3. Nature of Services — Important Disclaimer
All services and products provided by Oivalluksenaalto Oy are intended for educational, informational, and personal development purposes only.
They do NOT constitute, and must not be relied upon as:
Medical advice, diagnosis, or treatment
Psychological therapy or mental health treatment
Legal advice
Financial or investment advice
Any form of licensed professional service
Coaching is a collaborative, forward-focused professional relationship. It is distinct from therapy or counselling. If you require support from a licensed professional, such as a psychologist, therapist, doctor, lawyer, or financial adviser, you are solely responsible for seeking that support.
Our services do not create an employer-employee, agency, partnership, or fiduciary relationship between you and Oivalluksenaalto Oy.
You are fully responsible for your own decisions, actions, wellbeing, and results.
4. Client Responsibilities
By engaging with any coaching service, programme, or community, you agree to:
Participate actively and in good faith
Complete any pre-session questionnaires, preparation tasks, or assignments provided
Be open and honest in your communication
Respect scheduled session times and cancellation policies
Take full responsibility for implementing any strategies, guidance, or recommendations
Treat other participants in group settings, communities, and mastermind programmes with respect
Failure to fulfil these responsibilities does not entitle you to refunds, additional sessions, or any other remedies.
5. Use of Services
You agree to use all services and products for personal, lawful purposes only. Your access is personal and non-transferable. You may not share your login credentials, programme access, or materials with third parties.
You are responsible for maintaining the confidentiality and security of your account and login credentials. You agree to notify us immediately of any unauthorised use of your account.
You must not:
Copy, reproduce, distribute, or resell any materials without prior written consent
Misuse, disrupt, or attempt to interfere with any platform, service, or community
Use the services or content for any unlawful or harmful purpose
Record sessions without prior written permission
Impersonate any person or use another person’s identity or email address
6. Intellectual Property
All content, materials, and methodologies provided through Oivalluksenaalto Oy, including but not limited to course materials, workbooks, frameworks (including proprietary leadership and coaching models), videos, audio recordings, written content, and templates, are the exclusive intellectual property of Oivalluksenaalto Oy.
You are granted a personal, non-exclusive, non-transferable licence to use purchased materials for your own personal development only.
You may NOT:
Reproduce, copy, or distribute materials in any form
Resell or commercially exploit any content
Share login access with others
Teach, train, or create derivative works based on our proprietary frameworks without express written permission
Violations of intellectual property rights may result in immediate termination of access and legal action.
7. Scheduling, Sessions & Attendance
7.1 Session Scheduling
1:1 coaching sessions are scheduled based on mutual agreement, while discovery calls can be booked independently via the designated booking system. For group sessions, the schedule is either agreed upon together, provided in advance, or communicated during the programme. You are responsible for booking applicable sessions in advance.
7.2 Punctuality
Sessions begin at the scheduled start time. If you are late, the session ends at the originally scheduled time. Time lost due to your lateness cannot be recovered and is not refundable.
7.3 Technical Requirements (Online Sessions)
For virtual sessions, you are responsible for ensuring a stable internet connection, a functioning camera and microphone, and a quiet, private environment. Technical difficulties on your end do not entitle you to additional session time or refunds.
We do not guarantee uninterrupted or continuous access to services or platforms.
Sessions and course content are delivered via third-party platforms (e.g., video conferencing tools, online course platforms). Your use of those platforms is subject to their own terms of service and privacy policies. We are not responsible for technical failures, outages, data handling, or any other issues caused by those third-party platforms.
7.4 No-Shows
If you fail to attend a scheduled session without prior notice, the session is forfeited and non-refundable. Repeated no-shows may result in termination of your programme without refund.
7.5 Cancellation & Rescheduling
You may reschedule a session by giving at least 48 hours’ written notice before the scheduled start time. Requests with less than 48 hours’ notice may be accommodated at our discretion but are not guaranteed. Rescheduling is subject to availability.
For mastermind programmes and group sessions, rescheduling of group calls is not possible.
Recordings will be provided where available.
7.6 Cancellation by Oivalluksenaalto Oy
In the unlikely event that we must cancel a session due to illness, emergency, or circumstances beyond our control, we will reschedule to a mutually agreeable date at no additional cost.
8. Programme-Specific Terms
8.1 1:1 Coaching Packages
Each 1:1 coaching package includes a specified number of sessions over a defined period as outlined in your programme description at the time of purchase. Sessions must be used within the programme period and do not roll over unless agreed in writing.
8.2 Group Coaching Programmes
Group programmes run on a fixed schedule. If you miss a session, recordings may be provided where available but are not guaranteed. Your place in the group is personal and non-transferable.
8.3 Mastermind Programmes
Mastermind programmes are subject to a separate mastermind agreement which will be provided before your purchase is confirmed. By joining a mastermind, you commit to full participation and to treating all confidential information shared by other members with discretion.
8.4 Digital Products (Courses, Workbooks, PDFs)
Upon purchase, you receive immediate access to digital content. Access is provided for a period of 12 months unless otherwise specified at the time of purchase. We reserve the right to modify or discontinue platforms used to deliver content, in which case we will provide reasonable notice and alternative access where possible. Due to the instant nature of digital delivery, all sales of digital products are final once access has been granted (see Section 10 on refunds and the EU Right of Withdrawal).
8.5 Memberships & Online Communities
Membership grants access to the community, content, and resources specified for the relevant membership tier. Memberships are billed on a recurring basis (monthly or as stated at checkout). You may cancel your membership at any time; cancellation takes effect at the end of the current billing period.
Community conduct.
By participating in any online community, group space, or forum operated by us, you agree to behave respectfully and in a manner that supports a safe and constructive environment for all participants. We reserve the right to moderate, remove, or restrict any content that we consider offensive, harmful, or in breach of these Terms. We are not liable for content posted by other participants, or for any loss or damage arising from interactions between community members.
Access will be revoked without prior notice if you breach these Terms or engage in conduct that is disrespectful, harmful, or disruptive within the community.
9. Payment Terms
9.1 Pricing
All prices are listed in EUR (€) and include applicable VAT where required by law. VAT is included in the displayed price and not shown separately at checkout.
If you are purchasing from outside the European Union, you are responsible for any applicable local taxes, duties, or fees in your country of residence.
9.2 Payment Methods
Payments are processed securely via Stripe and/or PayPal. By providing your payment details, you authorise us to charge the full amount (or instalment amounts where a payment plan applies). Please review the privacy policy of your chosen payment provider for information on how your
payment data is handled.
9.3 Payment Plans
Payment plans may be available for certain programmes and will be clearly advertised at checkout. If you enrol in a payment plan, you commit to completing all scheduled payments in full, regardless of whether you complete the programme or choose not to continue. If you fail to make a payment under a payment plan, we may, at our discretion, suspend your access to the service and/or refer the outstanding balance to a debt
collection agency. You remain liable for all unpaid amounts, plus any reasonable collection costs or legal fees incurred.
9.4 Monthly Memberships
Monthly membership fees are billed automatically in advance on a recurring basis. You are responsible for ensuring your payment method remains valid. If a payment fails, access may be suspended until payment is received.
9.5 Chargebacks
If you have any concerns about a payment, you must contact us directly before disputing a charge with your payment provider. We will work with you to resolve any issues. If you initiate a chargeback without first contacting us, we reserve the right to suspend your access to our services and to provide evidence of the transaction to the payment provider.
9.6 Your Responsibilities
You are responsible for providing accurate payment information and for any applicable taxes or fees in your country of residence.
10. Refund Policy & EU Right of Withdrawal
This section is important. Please read it carefully before making a purchase.
10.1 General — All Sales Final
Due to the nature of coaching services and digital products, all sales are final once a service has commenced or digital content has been accessed. We do not offer refunds except as required by applicable law or as explicitly stated in writing for a specific programme.
10.2 EU Right of Withdrawal (14-Day Cooling-Off Period)
As a consumer resident in the European Union or European Economic Area, you have the legal right to withdraw from a distance contract within 14 days of purchase, without giving a reason (EU Consumer Rights Directive 2011/83/EU, implemented in Finland by the Consumer Protection Act / Kuluttajansuojalaki).
However, you lose your right of withdrawal in the following circumstances:
Digital products (courses, workbooks, PDFs):
You lose your right of withdrawal if you have expressly consented to the immediate delivery of the digital content and acknowledged that you will lose your right of withdrawal once delivery has begun. By ticking the relevant consent checkbox at checkout and accessing the content, you expressly consent to immediate delivery and waive your right of withdrawal.
Coaching and advisory services:
If you have expressly requested that the service begin within the 14-day withdrawal period, you lose your right of withdrawal once the service has commenced. By booking or attending your first session within 14 days of purchase, you confirm your request for immediate commencement and acknowledge the loss of this right.
If you wish to exercise your right of withdrawal before any content has been accessed or service has commenced, you must notify us in writing within 14 days of purchase by emailing [email protected]. Refunds will be processed within 14 days of receiving your withdrawal notice.
Non-EU clients.
The 14-day withdrawal right applies to consumers resident in the EU/EEA only. If you are based outside the EU/EEA, refund rights are governed by applicable local law in your jurisdiction.
10.3 Mastermind Programmes
Mastermind programmes may include specific satisfaction guarantees or additional refund terms, which will be clearly outlined in your mastermind agreement before purchase.
10.4 Exceptions
No refunds will be issued in cases of:
No-shows or unused sessions within a package
Failure to complete programme assignments or participate actively
Change of mind after the withdrawal period has expired or been waived
Partial use of a digital product or programme
11. Results Disclaimer
Results from coaching, courses, programmes, or any other services are not guaranteed. Individual outcomes depend on many factors outside our control, including your own effort, implementation, circumstances, market conditions, and personal characteristics.
We do not guarantee any specific financial, business, or personal results from the use of our services or products. Any testimonials, case studies, income examples, or success stories shared on our website or marketing materials reflect the individual experiences of those clients and do not represent a promise or guarantee of similar results for you.
We make no representations or warranties that you will achieve any particular outcome, financial result, or life change from our services.
Testimonial & marketing consent.
From time to time, we may share anonymised results, general outcomes, or with your prior written consent attributed testimonials in our marketing materials. If you do not wish your results or feedback to be referenced in any form, please notify us in writing at [email protected]. Consent to use attributed quotes or identified case studies will always be sought separately and in advance.
12. Confidentiality
12.1 Our Obligations
We will treat all information you share during our coaching relationship as confidential. We will not disclose your personal details, business information, or the content of your sessions to third parties without your consent, except where required by law.
12.2 Your Obligations
Information shared by other participants in group coaching, mastermind programmes, or online communities is confidential. You agree not to share, repeat, or disclose the personal or business information of other participants outside the group without their express consent. What is shared in the group, stays in the group.
12.3 Proprietary Content
Our proprietary frameworks, methodologies, and programme structures are confidential and protected by intellectual property law. You may not share, reproduce, or teach our methods without written permission.
13. Recording Policy
We may record sessions for quality assurance, programme delivery (e.g., to provide replay access to group participants), or internal training purposes. You will be informed if a session is being recorded.
You may request permission to record a 1:1 session for your personal reference. Permission must be requested and granted before recording begins. Personal recordings are for your own use only and may not be shared or published.
Unauthorised recording, live-streaming, or broadcasting of any session is strictly prohibited and constitutes a material breach of these Terms.
14. Termination of Access
We reserve the right to suspend or terminate your access to any service, programme, or community, without refund, if you:
Violate any provision of these Terms & Conditions
Share, copy, or distribute our materials unlawfully
Engage in abusive, threatening, or disrespectful behaviour towards us or other participants
Fail to make required payments under a payment plan
Engage in conduct that is harmful to other participants or to our business
You may terminate your participation in any ongoing service at any time by giving written notice. Termination does not entitle you to a refund of amounts already paid.
Obligations that by their nature should survive termination, including intellectual property rights, confidentiality, limitation of liability, and indemnification, remain in full effect after the end of your contract with us.
15. Limitation of Liability
To the fullest extent permitted by Finnish law and applicable EU law, Oivalluksenaalto Oy shall not be liable for:
Indirect, incidental, special, or consequential damages
Loss of income, business, or opportunity
Personal or professional decisions made based on our content, coaching, or advice
Loss of data or technical failures beyond our reasonable control
Any issues, outages, data handling, or failures caused by third-party platforms used to deliver our services (including Zoom or course hosting platforms)
Our total liability to you for any claim arising from these Terms or the services provided shall not exceed the total amount you have paid for the specific service giving rise to the claim.
Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under Finnish or EU law.
16. Indemnification
You agree to defend, indemnify, and hold harmless Oivalluksenaalto Oy, its directors, officers, employees, and affiliates from and against any and all losses, damages, liabilities, costs, expenses, and third-party claims (including reasonable legal fees) arising out of or related to:
Your breach of these Terms & Conditions
Your use of our services, platforms, or communities
Your violation of any applicable law or third-party rights
Any content you post or share within our communities or platforms
You agree to cooperate with us in good faith in the defence of any such claim.
17. Force Majeure
Neither party shall be liable for delays or failure to perform due to circumstances beyond reasonable control, including but not limited to natural disasters, pandemics, government actions, power failures, internet outages, or illness affecting the sole service provider.
In such events, we will work with you to reschedule to a mutually agreed date. Force majeure does not entitle you to a refund unless required by applicable law.
18. Modification of Services
We reserve the right to modify, update, or discontinue any service, programme, or content. Where a material change affects a service already purchased, we will provide reasonable notice.
19. Non-Disparagement
Both parties agree not to make knowingly false or misleading public statements that would defame or materially harm the reputation of the other party. This does not restrict your right to give honest, genuine feedback or to report concerns to a regulatory authority.
20. Electronic Communications
By providing your email address and using our services, you consent to receive communications from us electronically, including transactional emails, service updates, and where you have opted in, marketing communications. All agreements, notices, and other communications provided electronically satisfy any legal requirement for written communication.
You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in any email we send, or by contacting us at [email protected].
21. Data Protection & Privacy
Your personal data is processed in accordance with our Privacy Policy, which is available at www.coachsariaalto.com and forms part of your agreement with us. We process your data in compliance with the EU General Data Protection Regulation (GDPR) and the Finnish Data Protection Act (Tietosuojalaki 1050/2018).
Our website uses cookies to enhance user experience, enable functionality, and for analytics and marketing purposes. By using our website, you consent to our use of cookies in accordance with our Privacy Policy.
By purchasing or accessing our services, you acknowledge that your personal data will be processed as described in our Privacy Policy. If you have any questions about how we handle your data, please contact us at [email protected].
22. Governing Law & Dispute Resolution
These Terms & Conditions are governed by the laws of Finland. Finnish consumer protection legislation (including the Consumer Protection Act / Kuluttajansuojalaki) applies to all consumer transactions with clients based in Finland and the EU/EEA.
For clients outside the EU/EEA, you agree that Finnish law governs your contract with us to the fullest extent permitted by your local law.
In the event of a dispute, we encourage you to contact us first at [email protected] so that we can attempt to resolve the matter amicably.
If a dispute cannot be resolved through direct communication, you have the right to refer the matter to:
The Finnish Consumer Advisory Services (Kuluttajaneuvonta)
The Consumer Disputes Board (Kuluttajariitalautakunta) a free, out-of-court dispute resolution body
The EU Consumer Redress Platform: https://consumer-redress.ec.europa.eu/dispute-resolution-bodies_en?
The above consumer dispute resolution bodies are available to clients resident in Finland and the EU/EEA only. Clients based outside the EU/EEA may pursue disputes through the courts of Finland in accordance with the governing law clause above.
Any legal proceedings shall be conducted in the courts of Finland.
23. Changes to These Terms
We reserve the right to update these Terms & Conditions at any time. Changes will be published on our website with an updated date. Continued use of our services after the publication of changes constitutes your acceptance of the updated Terms.
For ongoing programmes, the Terms in effect at the time of your purchase will generally apply for the duration of that programme. However, we reserve the right to update these Terms to comply with new legal requirements, regulatory changes, or significant operational adjustments (e.g., platform changes, security updates, or service disruptions). In such cases, we will notify you of material changes in advance, and continued use of the service after the effective date constitutes your acceptance of the updated Terms. If you do not agree to the changes, you may terminate your participation in the programme in accordance with our cancellation policy.
24. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be deemed modified to the extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.
25. No Waiver
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver of a breach must be in writing and signed by us.
26. Entire Agreement
These Terms constitute the entire agreement between you and Oivalluksenaalto Oy regarding the use of our services and supersede all prior agreements or understandings, whether written or oral. Where a programme-specific agreement has been signed separately, that agreement forms part of the entire agreement between the parties alongside these Terms.
27. Contact
For any questions about these Terms & Conditions, please contact:
Oivalluksenaalto Oy
Email: [email protected]
Website: www.coachsariaalto.com
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