Terms and Conditions
Last Updated: September 2025
Agreement to Terms
These Terms and Conditions govern your use of the Nordic Insights website and educational services. By accessing or using our services, you agree to be bound by these terms.
If you disagree with any part of these terms, please do not use our website or enroll in our courses. We reserve the right to update these terms at any time, and continued use of our services constitutes acceptance of any modifications.
For questions about these terms, contact us at legal@domain.com
1. Definitions
"Service" refers to all educational courses, training programs, and related materials provided by Nordic Insights.
"User" means any person accessing our website or enrolling in our courses.
"Content" includes all text, images, videos, course materials, and other resources provided through our platform.
"We/Us/Our" refers to Nordic Insights, operating from Helsinki, Finland.
2. Use of Services
Eligibility
- Users must be at least 18 years old to enroll in courses
- You must provide accurate information during registration
- You are responsible for maintaining confidentiality of any account credentials
- One account per individual; account sharing is prohibited
Acceptable Use
- Services are provided for personal educational purposes
- Course materials are for individual use and may not be redistributed
- You must respect intellectual property rights of all content
- Commercial use of course materials requires written permission
User Responsibilities
- Maintain the security of your login credentials
- Notify us immediately of any unauthorized account access
- Ensure your device meets technical requirements for course access
- Participate respectfully in any community or discussion features
3. Prohibited Uses
Users may not:
- Violate any applicable Finnish or European Union laws or regulations
- Infringe on intellectual property rights of Nordic Insights or third parties
- Transmit harmful code, viruses, or malicious software
- Attempt unauthorized access to our systems or other user accounts
- Engage in fraudulent activities or misrepresent your identity
- Harass, threaten, or harm other users or staff members
- Copy, reproduce, or distribute course materials without authorization
- Use automated systems to scrape or download content from our platform
4. Intellectual Property Rights
Our Content
All content, including course materials, videos, text, graphics, logos, and software, remains the property of Nordic Insights. This content is protected by Finnish and international copyright laws.
You receive a limited, non-exclusive license to access and use course materials for personal educational purposes only. This license does not grant rights to reproduce, distribute, or create derivative works.
User-Generated Content
By submitting projects, discussions, or other content through our platform, you grant Nordic Insights a license to use this content for educational purposes, including as examples for other students.
You retain ownership of your original work but agree not to submit content that infringes on others' intellectual property rights.
Third-Party Content
Some course materials may reference or incorporate third-party content used under appropriate licenses. Such content remains the property of its respective owners and is subject to their terms of use.
5. Course Enrollment and Access
Enrollment Process
Course enrollment requires completing our registration process and paying applicable fees. Enrollment is confirmed when you receive written confirmation from Nordic Insights.
Course Access
Upon enrollment, you receive access to course materials for the duration specified in your course description. Access extends 12 months after course completion for reference purposes.
Prerequisites
Some courses have prerequisite requirements. You are responsible for ensuring you meet these requirements before enrolling. We may assess your background during enrollment to recommend appropriate starting points.
Completion Requirements
Course completion requires finishing all assigned projects and assessments according to program guidelines. Completion certificates are issued upon satisfactory completion of requirements.
6. Payment and Refund Policy
Payment Terms
- Course fees must be paid in full or according to agreed installment plans
- Prices are listed in Euros and include applicable Finnish VAT
- We accept payment via bank transfer, credit card, and approved payment processors
- Prices are subject to change but locked at time of enrollment
Cancellation Policy
- Full refund available if cancellation occurs at least 14 days before course start
- Partial refund (50%) available if cancellation occurs 7-14 days before start
- No refund available for cancellations less than 7 days before start or after course begins
- Cancellation requests must be submitted in writing to be processed
Course Changes
We reserve the right to:
- Modify course schedules with reasonable notice to enrolled students
- Cancel courses due to insufficient enrollment (full refund provided)
- Update course content to reflect current industry practices
- Replace instructors when necessary while maintaining quality standards
7. Disclaimers and Limitations of Liability
Service Provided "As Is"
Our educational services are provided "as is" without warranties of any kind, either express or implied. We make no guarantees regarding specific learning outcomes or career results.
Educational Outcomes
While we strive to provide quality education, individual learning outcomes depend on personal effort, background, and circumstances beyond our control. We do not guarantee employment or specific career advancement.
Limitation of Liability
Nordic Insights' liability is limited to the amount of fees paid for the specific course in question. We are not liable for indirect, incidental, or consequential damages arising from use of our services.
Technical Issues
We are not responsible for technical difficulties, internet outages, or device compatibility issues that prevent access to course materials. We will make reasonable efforts to address technical problems within our control.
8. Dispute Resolution
Informal Resolution
Before initiating formal proceedings, we encourage you to contact us to resolve any disputes informally. Most concerns can be addressed through direct communication.
Mediation
If informal resolution fails, parties agree to attempt mediation through a mutually acceptable mediator before pursuing litigation. Mediation costs are shared equally.
Governing Law
These terms are governed by Finnish law. Any disputes that cannot be resolved through informal means or mediation will be subject to the exclusive jurisdiction of courts in Helsinki, Finland.
Language
These terms are written in English. In case of any dispute regarding interpretation, the English version shall prevail over any translations.
9. Termination
By You
You may terminate your enrollment according to our cancellation policy outlined in Section 6. Course access will be removed upon termination processing.
By Us
We may terminate your access immediately for violation of these terms, including prohibited activities, harassment, or fraudulent behavior. No refund will be provided in cases of termination for cause.
Effects of Termination
Upon termination, your access to course materials will cease. Certain provisions of these terms, including intellectual property rights and limitation of liability, survive termination.
10. General Provisions
Entire Agreement
These terms, along with our Privacy Policy, constitute the entire agreement between you and Nordic Insights regarding use of our services.
Severability
If any provision of these terms is found unenforceable, the remaining provisions continue in full effect.
No Waiver
Failure to enforce any right or provision does not constitute a waiver of such right or provision.
Assignment
You may not assign or transfer these terms without our written consent. We may assign our rights and obligations to any party at our discretion.
Contact Information
For questions about these terms, contact us at legal@domain.com
11. Changes to Terms
We reserve the right to modify these terms at any time. When we make significant changes, we will:
- Post a notice on our website homepage
- Send email notification to enrolled students
- Update the "Last Modified" date at the top of this page
Continued use of our services after changes take effect constitutes acceptance of the modified terms. If you disagree with changes, you may terminate your enrollment according to our cancellation policy.