Acceptance of Terms

I have read and agree to the Terms & Conditions and acknowledge that delivery of digital content begins immediately.

Terms & Conditions

Effective from: 01.04.2024

Please read these Terms & Conditions carefully before making a purchase.

By purchasing any product or service from www.dinamakrogiannelis.com, you agree to be legally bound by these Terms & Conditions.

If you have any questions, please contact:
📧 [email protected]

These Terms apply to all products and services offered on the website, including but not limited to:

  • online courses

  • digital workbooks and downloadable materials

  • coaching and consulting services (1:1 or group-based)

  • magazines (digital or physical, if applicable)

  • any other digital or physical products or services offered now or in the future

1. Prices & Value Added Tax (VAT)

All prices are listed in euros (EUR) and include Finnish VAT (25.5%), unless otherwise explicitly stated.

VAT is included regardless of the customer’s country of residence.
We reserve the right to change prices at any time without prior notice.

2. Payment Terms

We offer various payment methods, including credit/debit cards and online payments.
Available payment options are displayed during checkout.

Payments are processed via:

  • Stripe (Stripe Payments Europe, Ltd)

  • Kajabi (Kajabi LLC)

Charges may appear on your bank statement under the name of the payment service provider.

Late or failed payments may incur statutory interest in accordance with applicable law, as well as reminder and collection fees.
After payment reminders, unpaid receivables may be transferred to a collection agency, which may use voluntary or legal collection methods. Collection costs may be added according to the agency’s price list.

We reserve the right to suspend or restrict access to purchased products or services (including installment-based purchases) if payment is delayed or remains unpaid.
Suspension of access does not release the customer from their payment obligation.

The company is not responsible for agreements entered into between the customer and third-party payment providers. Customers are responsible for reviewing the terms of any third-party payment services they choose to use.

3. Installment Payments

Installment payment options allow the customer to pay the total purchase price in a limited number of predefined installments.

By choosing an installment plan, the customer commits to paying all future installments.

  • The first installment is charged immediately at checkout

  • Subsequent installments are charged automatically on a monthly basis

  • Installments are debited from the payment method provided by the customer

If an automatic installment payment fails:

  • access to purchased services may be suspended immediately

  • access will be restored once the outstanding installment has been settled

Failure to pay installments does not release the customer from the obligation to pay remaining or future installments.

If multiple installments remain unpaid, the company reserves the right to:

  • charge all outstanding installments at once, or

  • issue a single invoice covering unpaid and remaining installments with a 14-day payment deadline

If installment payments must be invoiced instead of automatically charged, a reminder or invoicing fee may be added.

4. Digital Products, Delivery & Access

Digital products and online courses are delivered electronically via a course platform or digital download.

Unless otherwise stated, access to online courses and materials is granted for the specified access period (for example, 12 months) starting from the purchase date.

We reserve the right to:

  • update, modify, improve, or restructure content

  • change platforms or delivery methods if necessary

Such changes do not entitle the customer to refunds, provided that the core content and value of the product or service remain available.

5. Right of Withdrawal & Cancellations

Digital Content

In accordance with EU consumer protection legislation, digital content is delivered immediately after purchase.

By completing the purchase, the customer:

  • expressly consents to immediate delivery of digital content, and

  • acknowledges that the right of withdrawal ends once delivery has begun

This does not affect any mandatory statutory consumer rights that cannot be waived under applicable law.

Business Customers

Business and corporate customers do not have a right of withdrawal unless explicitly agreed otherwise in writing.

6. Satisfaction Guarantee (If Offered)

If a satisfaction guarantee is offered for a specific product or service, it is valid for 14 days from the date the customer:

  • gains access to the first course module, and/or

  • begins the first coaching session

Refund requests must be submitted within the guarantee period by email to:
📧 [email protected]

To be eligible for a refund, the customer must:

  • clearly explain the reason for dissatisfaction, and

  • demonstrate reasonable engagement and commitment to the material

Reasonable engagement may include (where applicable):

  • watching the videos included in the first and second modules

  • completing the worksheets for the first module

As course materials are typically available for an extended access period (e.g. one year), reasons related solely to lack of time or personal fatigue are not considered valid grounds for a refund.

Approved refunds will be processed within 14 days of the refund decision.

7. Intellectual Property Rights

All content, materials, videos, workbooks, exercises, and resources are the intellectual property of Dina Makrogiannelis, unless otherwise stated.

The customer is granted a personal, non-transferable, non-exclusive license for individual use only.

The customer may not copy, reproduce, distribute, share, resell, modify, or create derivative works from any materials without prior written consent.

Nothing in these Terms constitutes a transfer or assignment of intellectual property rights.

8. Limitation of Liability

All products and services are provided for educational and informational purposes only.

We do not guarantee specific results, financial outcomes, or business success.

The company is not liable for:

  • decisions made by the customer based on the content

  • indirect, incidental, or consequential damages

  • technical disruptions or failures of third-party platforms or payment providers

Liability is limited to the extent permitted by mandatory applicable law.

9. Coaching & Course Disclaimer

Coaching and courses are not therapy and do not replace medical, psychological, legal, or financial advice.

Participation is voluntary and at the customer’s own responsibility.

Courses and coaching may involve reflective exercises that can evoke emotional responses.
Customers are encouraged to seek support from a qualified professional if needed.

If physical movement or exercises are included, the customer participates at their own risk and is responsible for ensuring a safe environment and appropriate health condition.

Participants agree to respect the privacy and confidentiality of other participants and not to share personal information disclosed within courses or coaching.

10. Changes to Terms

We reserve the right to update or modify these Terms & Conditions at any time.

Continued use of the website or purchased services constitutes acceptance of the updated terms.

11. Governing Law & Dispute Resolution

These Terms & Conditions are governed by the laws of Finland.

Any disputes will primarily be resolved through negotiation.

Consumer customers may refer disputes to the Finnish Consumer Disputes Board
(www.kuluttajariita.fi) and may also contact consumer advisory services
(www.kuluttajaneuvonta.fi).

12. Contact Information

📧 [email protected]