Terms and conditions
Katariina Mäki Oy (hereinafter referred to as “the Online Store”), Business ID: 3318910-2, sells products and services to private individuals and organizations. We reserve the right to change these Terms and Conditions and our prices at any time. All prices include applicable VAT.
Contact Information
Katariina Mäki Oy
Mannilantie 148
11710 Riihimäki
Finland
Email: info@katariinamaki.fi
Business ID: 3318910-2
Scope
These Terms and Conditions apply to all services offered through the Online Store. We sell online services to adults and organizations.
Description of the Services
Katariina Mäki Oy offers online courses and webinars. The courses are hosted on the Koulutuskone cloud platform. More information about the platform is available at:
Ordering Online Courses and Webinars
Participation in online courses and Webinars requires registration and purchasing the selected product through the Online Store shopping cart. A valid email address must be provided when placing an order. To use the services, the customer must have an internet connection and a computer or mobile device capable of accessing the internet.
Prices are charged according to the price list in effect at the time of purchase. Prices include applicable VAT. No delivery charges apply to digital services. We reserve the right to change prices and these Terms and Conditions.
All orders are confirmed by email. The order confirmation serves as the payment receipt, and no separate receipt will be sent. The order confirmation is also available in the customer’s account in the Online Store.
By placing an order, the customer agrees to the Terms and Conditions in force at the time of purchase.
Cancellation of Online Course Purchases
Access to the online course is granted immediately after payment. This means that the provision of the digital service begins electronically with the customer’s express consent before the end of the statutory 14-day withdrawal period for distance sales.
Therefore, the 14-day right of withdrawal does not apply to online courses purchased through the Online Store.
Technical Issues
If technical or other issues arise while using the Online Store or online courses, the customer should contact the Online Store as soon as possible by email.
Payment
Payments are processed by Visma Pay (Visma Payments Oy, Business ID 2486559-4), a licensed payment institution registered with the Finnish Financial Supervisory Authority. Payments are made through the Visma Pay online payment service. The payment recipient shown on your bank statement or invoice will be either Visma Pay or Visma Payments Oy. Visma Pay transfers payments to the Online Store. All payment transactions are processed using encrypted connections, ensuring secure handling of payment information.
The sales agreement is concluded between the customer and the Online Store. The Online Store is responsible for all obligations related to the sale.
More information about Visma Pay:
Payment Methods
Through Visma Pay, you can pay using:
- Online banking
- Digital wallets
- Credit and debit cards
- Invoice
- Installment payments
Supported payment methods include:
- Osuuspankki (OP Financial Group)
- Nordea
- Danske Bank
- Oma Säästöpankki (OmaSp)
- Säästöpankki (Savings Bank)
- Aktia
- Paikallisosuuspankit (Local Cooperative Banks)
- S-Pankki (S-Bank)
- Handelsbanken
- Ålandsbanken (Bank of Åland)
- MobilePay
- Masterpass
- Pivo
- Visa
- Visa Debit
- Visa Electron
- Mastercard
- Debit Mastercard
- Jousto
- Fellow Invoice (Fellow Lasku)
- Fellow Business Invoice (Fellow Yrityslasku)
MobilePay
You may pay using your MobilePay wallet if online payments have been enabled in your MobilePay settings. Payments are charged to the payment card connected to your MobilePay wallet. If the card charge fails, payment via MobilePay cannot be completed.
Jousto Invoice and Installments
Jousto is a Finnish payment service that allows fast and secure purchases. It is available to private individuals with a good credit history.
Jousto offers:
- 30 days interest-free payment
- Installment plans of up to 36 monthly payments
- Monthly payments starting from €9.90
The installment plan includes:
- Monthly fee: €3.90
- Interest rate: 19.90%
Purchases between €30 and €3,000 are eligible. Credit is provided by Aurajoki Nordic Oy.
More information: www.jousto.com
OP Invoice
OP Invoice offers a flexible way to pay for online purchases and is available to customers of all Finnish banks. You may make purchases of up to €5,000 and pay the balance interest-free within 45 days. You may also divide the payment into installments.
To use OP Invoice, you must:
- be over 20 years old,
- be creditworthy, and
- have Finnish online banking credentials.
More information: https://www.op.fi/henkiloasiakkaat/paivittaiset/maksaminen/op-lasku
Visma Pay Contact Information
Visma Payments Oy
Business ID: 2486559-4
Email: helpdesk@vismapay.com
Phone: +358 9 315 42 037
(Monday–Friday, 8:00–16:00)
Postal address:
Brahenkatu 4
53100 Lappeenranta
Finland
Order Complaints
For complaints, please contact our customer service.
Consumers have the right to submit disputes to the Finnish Consumer Disputes Board for resolution.