Please read them carefully before using Our Service.

TERMS AND CONDITIONS

These Terms and Conditions ("Terms") govern your use of the websites, programs, courses, coaching services, digital products, communities, and other services provided by Alexa Saarenoja, a sole proprietor registered in Finland ("Alexa Saarenoja," "we," "us," or "our").

By accessing, purchasing, enrolling in, or participating in any of our services, you agree to be bound by these Terms.

If you do not agree to these Terms, you should not purchase or use our services.

1. BUSINESS INFORMATION

Business Name: Alexa Saarenoja
Business Structure: Sole Proprietor
Country of Registration: Finland
Business ID: 2573867-7
Customer Support Email: alexacreatorboost@gmail.com

For customer service inquiries, please contact us at the email address listed above.

2. SCOPE OF THESE TERMS

These Terms apply to all products and services offered by Alexa Saarenoja, including but not limited to:

• Online courses

• Digital products

• Educational programs

• Coaching services

• Group coaching

• Communities and memberships

• Live training sessions

• Workshops

• Events

• Consulting services

• Future products or services offered through our websites or platforms

Certain products or services may also be subject to additional product-specific terms.

Where specific program terms conflict with these general Terms, the product-specific terms shall apply to the extent of the conflict.

3. ELIGIBILITY

By purchasing or participating in our services, you represent that:

1. You are legally capable of entering into a binding agreement; and

2. The information you provide during registration or purchase is accurate and complete.

If you are purchasing on behalf of a company or organization, you represent that you have the authority to enter into this agreement on behalf of that entity.

4. NATURE OF SERVICES

Our programs, courses, coaching, educational content, and related services are provided for educational, informational, and developmental purposes.

Unless expressly stated otherwise in writing, our services do not constitute:

• Financial advice

• Investment advice

• Legal advice

• Tax advice

• Medical advice

• Psychological or therapeutic advice

• A guarantee of business success or income

You are solely responsible for your own decisions, actions, business activities, financial decisions, and results.

You should seek independent professional advice where appropriate.

5. NO GUARANTEE OF RESULTS

We may share examples, testimonials, case studies, experiences, strategies, or results achieved by ourselves or other individuals.

These examples are provided for illustrative purposes only.

Individual results vary significantly depending on factors including, but not limited to:

• Your experience

• Your skills

• Your level of participation

• Your effort

• Your implementation

• Your audience

• Market conditions

• Business decisions

• External circumstances

We make no guarantee that you will achieve any particular result, including:

• Income

• Revenue

• Profit

• Business growth

• YouTube growth

• Audience growth

• Subscribers

• Views

• Clients

• Sales

You acknowledge that you are responsible for implementing any information, strategies, or recommendations provided through our services.

6. PAYMENT

Payment terms will be disclosed to you before completing your purchase.

By purchasing a product or service, you agree to pay the applicable price and any taxes or charges presented during the checkout process.

Payments may be processed through third-party payment providers, including Stripe.

We do not directly store your complete payment card information.

7. PAYMENT PLANS

Where a payment plan is offered, you agree to pay all scheduled payments associated with your selected payment plan.

Choosing a payment plan is a commitment to pay the full agreed purchase price according to the payment schedule presented at checkout.

You may not discontinue payments simply because you:

• Have not completed the program;

• Have chosen not to participate;

• Have changed your mind;

• Have not used or accessed the available services.

This provision does not limit any mandatory consumer rights that cannot legally be excluded.

8. FAILED OR LATE PAYMENTS

If a scheduled payment fails or becomes overdue, we may attempt to collect the payment through the payment method provided by you.

If payment remains outstanding, we reserve the right to:

• Suspend access to programs or services;

• Suspend access to digital content;

• Suspend access to communities or memberships;

• Restrict participation in coaching calls or events;

• Remove access until the outstanding payment has been resolved.

Unless otherwise stated in product-specific terms, we may suspend access when a scheduled payment is more than three (3) days overdue.

Suspension of access does not automatically cancel your payment obligations.

9. CANCELLATION AND REFUNDS

Our intended commercial policy for coaching programs, live programs, and educational services is that purchases are generally non-refundable once services have been provided or program access has commenced, subject always to applicable mandatory consumer protection law.

However, nothing in these Terms is intended to limit or exclude any statutory rights available to consumers under applicable Finnish or European Union law.

Consumers may have a statutory right of withdrawal depending on the nature of the agreement and the applicable legal requirements.

The right of withdrawal may differ depending on whether the purchase concerns:

• A service;

• Digital content;

• A digital service;

• A leisure service provided on specific dates; or

• Another category of contract.

Where applicable law permits a right of withdrawal to be lost through express consent, acknowledgement, or commencement of delivery or services, the relevant consent and acknowledgement will be requested separately during the purchase process.

We will provide any legally required information regarding withdrawal rights and the applicable procedure before or during the purchase process.

10. ACCESS TO DIGITAL SERVICES

Access to digital programs, communities, memberships, or other services may be provided through third-party platforms.

These platforms may include, but are not limited to:

• Skool

• Systeme.io

• Stripe

• Zoom

• YouTube

• Email communication platforms

You are responsible for:

• Providing an accurate email address;

• Accepting invitations required to access third-party platforms;

• Maintaining access to your email account;

• Following the applicable platform's terms of use.

We are not responsible for delays caused by incorrect information provided by you or your failure to complete required registration or access steps.

11. THIRD-PARTY PLATFORMS

Some services are delivered using third-party platforms.

Your use of those platforms may also be subject to the terms, privacy policies, and rules of those third parties.

We are not responsible for:

• Third-party platform outages;

• Technical failures outside our reasonable control;

• Changes made by third-party platforms;

• Account restrictions imposed by third-party platforms.

Where reasonably possible, we will take appropriate steps to continue providing the purchased services.

12. INTELLECTUAL PROPERTY

All materials provided through our programs and services are protected by applicable intellectual property laws.

This includes, but is not limited to:

• Videos

• Training materials

• Worksheets

• Documents

• Frameworks

• Methodologies

• Presentations

• Coaching materials

• Written content

• Graphics

• Branding

• Audio recordings

• Digital resources

Unless expressly stated otherwise in writing, you receive a limited, personal, non-exclusive, non-transferable license to use the materials for your own personal or business development.

You may not:

• Copy;

• Reproduce;

• Share;

• Sell;

• License;

• Distribute;

• Publish;

• Upload;

• Record;

• Modify;

• Create derivative works from; or

• Make available

any program materials without prior written permission.

You may not share your login credentials or program access with another person.

13. COMMUNITY CONDUCT

Where your purchase includes access to a community, group, membership, or live environment, you agree to participate respectfully and responsibly.

You may not:

• Harass or threaten other participants;

• Engage in abusive or discriminatory behavior;

• Share another participant's confidential information;

• Spam or excessively promote unrelated products or services;

• Attempt to sell or solicit participants without authorization;

• Disrupt the community environment;

• Share program materials without authorization.

We reserve the right to remove or suspend participants whose behavior materially violates these standards.

Where removal is necessary due to a material violation of community rules, refunds will be handled in accordance with applicable law and the circumstances of the case.

14. CONFIDENTIALITY

Participants may share personal experiences, business information, challenges, strategies, or other sensitive information during coaching sessions or inside private communities.

You agree to respect the privacy and confidentiality of other participants.

You may not record, share, reproduce, publish, or distribute confidential information shared by another participant without their express permission.

We cannot guarantee that every participant will comply with this obligation. However, we reserve the right to take reasonable action where a violation is brought to our attention.

15. RECORDINGS

Certain coaching calls, training sessions, workshops, or events may be recorded.

Where recordings are made available to participants, we will inform participants where reasonably appropriate.

By participating in recorded sessions, you acknowledge that your voice, image, comments, or contributions may be included in the recording.

Where applicable law requires additional consent for particular uses, such consent will be requested separately.

16. MODIFICATIONS TO PROGRAMS OR SERVICES

We may make reasonable modifications to programs, schedules, instructors, delivery methods, content, or platforms where necessary.

We will not make material changes that substantially reduce the core nature of the purchased service without reasonable justification.

Where applicable consumer protection law requires specific information or rights in relation to changes to digital content or digital services, those mandatory rights remain unaffected. (KKV)

17. AVAILABILITY AND TECHNICAL ISSUES

We make reasonable efforts to maintain access to our services.

However, uninterrupted access cannot be guaranteed.

Access may occasionally be affected by:

• Platform maintenance;

• Internet outages;

• Third-party technical failures;

• Software updates;

• Security issues;

• Circumstances outside our reasonable control.

We will make reasonable efforts to address significant technical issues within our control.

18. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Alexa Saarenoja shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from your participation in or use of our services.

This includes, without limitation:

• Loss of income;

• Loss of business opportunities;

• Loss of profits;

• Loss of data;

• Business interruption;

• Decisions made based on educational or coaching content.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

19. TERMINATION OF ACCESS

We reserve the right to suspend or terminate access where:

• Payment obligations are not met;

• You materially breach these Terms;

• You engage in abusive, harmful, or unlawful behavior;

• You misuse program materials;

• You share confidential information or intellectual property without authorization.

Where termination occurs, any mandatory rights under applicable law remain unaffected.

20. PRIVACY

Your personal information is handled in accordance with our Privacy Policy.

By using our services, you acknowledge that your information may be processed in connection with:

• Purchases;

• Customer support;

• Program delivery;

• Community access;

• Email communications;

• Legal and regulatory obligations.

Please review our Privacy Policy for further information.

21. CHANGES TO THESE TERMS

We may update these Terms from time to time.

The most current version will be published on our website.

Where changes materially affect an existing purchase or contract, we will provide notice where required by applicable law.

22. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of Finland.

Where you are a consumer, you may also benefit from mandatory protections provided by the laws of your country of residence where applicable.

Nothing in these Terms is intended to deprive consumers of mandatory rights provided by applicable consumer protection legislation.

PROGRAM-SPECIFIC TERMS

WISDOM TO WEALTH ACCELERATOR

The following additional terms apply specifically to participants in the Wisdom to Wealth Accelerator program.

23. PROGRAM DESCRIPTION

Wisdom to Wealth Accelerator is a 12-week educational and coaching program designed to support participants in developing and applying their knowledge, experience, wisdom, and expertise through YouTube and related business-building strategies.

The program may include:

• Educational training;

• Live coaching;

• Group coaching;

• Community participation;

• Membership calls;

• Digital learning materials;

• Workshops;

• Discussions;

• Additional resources provided during the program.

The exact content and delivery may evolve as reasonably necessary to support the objectives of the program.

24. PROGRAM START DATE

The full Wisdom to Wealth Accelerator program is scheduled to begin on:

September 20, 2026

Participants may receive access to the program community before the official program start date.

Before the full program begins, participants may have access to:

• The private community;

• Membership calls;

• Pre-program discussions or activities.

The specific availability of content before the official program start date may vary.

25. COMMUNITY ACCESS

Participants in Wisdom to Wealth Accelerator will receive access to the applicable program community for a period of:

Six (6) months

Access is provided subject to:

• Successful payment;

• Compliance with these Terms;

• Compliance with applicable community rules.

Access may be suspended if payments become overdue or if these Terms are materially violated.

26. PAYMENT OPTIONS

The following payment options may be available:

Pay in Full

USD $2,222

One-time payment.

Three-Payment Plan

Three (3) monthly payments of USD $814

Total purchase price: USD $2,442

Six-Payment Plan

Six (6) monthly payments of USD $425

Total purchase price: USD $2,550

The exact payment option selected by the participant at checkout will govern that participant's payment obligations.

27. PAYMENT PLAN OBLIGATION

By selecting a payment plan, you agree to pay the full amount associated with that payment plan.

Payment plans are provided as a payment convenience and do not constitute separate monthly memberships that may be cancelled at will.

Failure to participate in the program does not automatically cancel your payment obligations.

This provision is subject to any mandatory statutory rights of withdrawal, cancellation, or termination that cannot legally be excluded.

28. LATE PAYMENTS AND COMMUNITY ACCESS

If a scheduled payment is unsuccessful or becomes overdue, we may contact you using the email address provided during purchase.

If payment remains outstanding for more than:

Three (3) days

we reserve the right to suspend your access to:

• The Skool community;

• Program materials;

• Coaching calls;

• Membership calls;

• Other program resources.

Access may be restored after the outstanding payment has been successfully resolved, subject to reasonable administrative processing.

Suspension of access does not automatically cancel the participant's payment obligations.

29. PROGRAM ACCESS THROUGH SKOOL

Wisdom to Wealth Accelerator is hosted within a private Skool community.

After successful purchase, participants will receive an invitation to join the community.

Participants are responsible for:

1. Monitoring the email address provided during purchase;

2. Accepting the community invitation;

3. Completing any required account registration;

4. Complying with Skool's applicable rules and policies.

We are not responsible for delays caused by:

• Incorrect email addresses;

• Spam or junk mail filtering;

• Failure to accept the invitation;

• Failure to complete registration.

30. REFUNDS AND WITHDRAWAL

Wisdom to Wealth Accelerator includes a combination of live coaching, educational services, community access, and digital content.

Our commercial policy is that purchases are intended to be non-refundable once program services have commenced.

However, your statutory rights are not excluded or limited by this policy.

If you are a consumer, you may have a statutory right of withdrawal depending on the nature of the agreement and the circumstances under which services or digital content are supplied.

The applicable withdrawal rules may depend on:

• Whether services have commenced;

• Whether digital content has been supplied;

• Whether you expressly requested services to begin during the statutory withdrawal period;

• Whether legally required consent and acknowledgement regarding withdrawal rights were obtained.

Any rights that cannot legally be excluded under applicable law remain fully applicable.

Information regarding the exercise of statutory withdrawal rights will be provided where required by law. Finnish consumer guidance currently distinguishes between services and electronically delivered digital content and sets specific requirements for withdrawal rights and the loss of those rights. (KKV)

31. PARTICIPANT RESPONSIBILITY

You acknowledge that your results depend substantially on your own participation and implementation.

You are responsible for:

• Attending sessions where possible;

• Completing relevant work;

• Implementing strategies at your own discretion;

• Making your own business decisions;

• Obtaining professional advice where appropriate.

We do not guarantee any particular financial, professional, personal, or business outcome.

32. PROGRAM CONTENT AND INTELLECTUAL PROPERTY

All Wisdom to Wealth Accelerator materials remain the intellectual property of Alexa Saarenoja unless otherwise stated.

Participants may use the materials for their own personal and business development.

Participants may not share, reproduce, sell, distribute, or teach the program materials to others without written permission.

33. CONFIDENTIALITY OF PARTICIPANTS

Wisdom to Wealth Accelerator may involve discussions of personal experiences, business strategies, financial circumstances, challenges, and ideas.

Participants agree to treat information shared by other participants with respect and confidentiality.

You may not reproduce or share another participant's private information outside the program without their permission.

34. CONTACT

For questions regarding these Terms, please contact:

Alexa Saarenoja
Email: alexacreatorboost@gmail.com

Address: Otsonloikka 1, 60510 Finland