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Trainer4You Oy: terms and conditions of consumer sales

1. Application and effectiveness

These terms shall be applied to the exchange of goods and training services between Trainer4You Oy and the consumer/business customer (hereinafter “the customer”) unless otherwise agreed in another agreement or in service-specific terms. These terms are effective from 01.11.2017. Previous terms and conditions are available here.

2. Contract - enrolling in training or ordering a product

Enrolment on a training course or ordering goods shall be completed on the Trainer4You website, www.trainer4you.fi. The order will be confirmed once the contents of the shopping basket have been paid for using the payment functionality of the web shop. Alternatively, orders and enrolments can be completed by telephoning a Trainer4You representative. By placing an order the customer agrees to the following terms and conditions of order and delivery, product prices, and postage and packing costs. These terms and conditions will be included in the order confirmation sent by email. Invitations to training sessions and additional information on training courses will be sent to participating students by email only.

3. Delivery

Services will be delivered using the method stated in the terms of trade and on the schedule stated in the order confirmation.

Trainer4You Basics of Developing Physical Training (Trainer4You Kehittävän harjoittelun perusteet) is a two-day course, which begins on the listed start date.
Trainer4You Gym Coach (Trainer4You Kuntosalivalmentaja) is an intensive five-day training course (2 weekends). The start date of the course is the first day of the first intensive period.
Trainer4You Personal Trainer is an intensive 12-day training course (6 weekends). The start date of the course is the first day of the first intensive period.
Trainer4You Personal Trainer Programme is an intensive 19-day training course (9 weekends). The course starts on the first day of the first intensive period. The Trainer4You Personal Trainer Programme consists of three parts: Trainer4You Basics of Developing Physical Training, Trainer4You Gym Coach and Trainer4You Personal Trainer courses.
Trainer4You Nutrition Coach (Trainer4You Ravintovalmentaja) is an intensive 9-day course (6 weekends). The course starts on the first day of the first intensive period.
Health Coach (Terveysvalmentaja) is an intensive 8-day training course (4 weekends). The start date of the course is the first day of the first intensive period.
Trainer4You Strength Coach (Voimavalmentaja) is an intensive 8-day training course (4 weekends). The start date of the course is the first day of the first intensive period.
Mental Health Coach (Psyykkinen valmentaja) is an intensive 8-day training course (4 weekends). The start date of the course is the first day of the first intensive period.
4. Payment methods and terms of payment

The terms of payment for our web shop, run by our payment intermediary:

Our payment intermediary, Maksukaista (Paybyway Oy, business ID 2486559-4), is registered on the payment institution register maintained by the Financial Supervisory Authority. Payments will be processed by Maksukaista’s web service and the recipient of the payment as shown on the customer’s bank statement and invoice will be Maksukaista/Paybyway Oy. Maksukaista passes payments on to the web shop owner. All payment information is delivered using a secure connection and no external party can gain access to the payment details. The sales contract is formed between the web-shop customer and the web shop. The web shop is responsible for fulfilling all obligations related to the sale. Find out more about Maksukaista’s services here: http://www.maksukaista.fi.

Maksukaista contact information

Maksukaista, Paybyway Oy (Business ID 2486559-4)

Email: asiakaspalvelu@maksukaista.fi

Phone: 029 300 5050 (Monday to Friday, 9 am – 4 pm)

Address: Laserkatu 6, 53850 Lappeenranta

Payment terms and conditions

All prices for the training courses shown on our website include the applicable VAT. Payment terms are 14 days net and interest on delayed payments is charged at 8 per cent. For companies, organisations and sports clubs an invoicing fee of 5 euros + VAT will be added to the invoice. Intrum Justitia handles the collection of any debts on behalf of Trainer4You Oy.

You may choose from the following payment methods on the Trainer4You website:

Payment via online bank transfer: Log in to your online banking portal and make a payment.
Pay at Maksukaista using your online banking credentials and payment cards (credit/debit card). You may choose from the following banks: Osuuspankki, Nordea, Danske Bank, Säästöpankki, Oma Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken; or one of the following payment cards: Visa, Visa Debit, Visa Electron, MasterCard and Debit MasterCard.
Payment by Svea Webpay: in cooperation with Svea Webpay, Trainer4You offers the facility to settle invoices in instalments. To use Svea Webpay, the customer must be aged over 18 years, have a permanent address in Finland, be registered as a citizen and have a good credit rating. Additional information on this payment method is available in the next section.
Terms and conditions of instalment payments:

Invoices and PINs

Svea Ekonomi Webpay (hereinafter referred to as “Svea”) offers the ability to make multiple instalment payments against invoices with payment terms of at least fourteen (14) days. When choosing Svea Invoice as your payment method, you will receive a personal identification number (PIN) for your purchase. Register your PIN at www.svea.fi/pins. Please note the following:


When you choose “Pay with invoice”, we will check your credit report using your personal identity number.

The purchases will be delivered to the address that is registered to the customer in the population register; alternatively, if the customer utilises the strong authentication procedure on online banking (TUPAS), items can be dispatched to the delivery address provided. Interest will be applied at a rate of 8% + the reference rate based on the Interest Act. Trainer4You will charge 5 euros per payment reminder. Customers must be at least 18 years old.


Changing the invoice into a credit facility:


The customer may also choose to pay an invoice in instalments by paying the minimum payment amount mentioned on the invoice. The customer must then comply with the credit account terms and conditions on the reverse of the invoice. If the customer has a higher credit limit than the invoice, the account can be used to make additional purchases which must then be paid for in accordance with the credit account terms and conditions.


The credit facility can always be settled in full at any time without additional cost. If the customer has any questions concerning the credit facility, customer services can be contacted on +358 9 4242 3330 or by email to asiakasinfo@svea.fi.

Further information regarding the credit terms and conditions, as well as standard European consumer credit info, can be found at www.sveawebpay.fi/tiliehdot. Save and/or print these terms and conditions for future reference.


Instalments and PINs:


Svea Ekonomi Webpay (hereinafter referred to as “Svea”) offers the ability to make multiple instalment payments against invoices with payment terms of at least fourteen (14) days. When choosing Svea Invoice as your payment method, you will receive a personal identification number (PIN) for your purchase. Register your PIN at www.svea.fi/pins


This is possible once you have agreed the criteria for granting the credit and filled in your personal identity number at the cash register. If you utilise so-called strong authentication with your online bank codes (TUPAS), your purchases will be delivered to the delivery address you provide.


The customer should choose the credit period most suitable to his/her needs. The credit amount must be paid within the agreed period of time. This requires that at least the agreed sum is paid every month. The customer may choose to pay the entire debt without penalty at any point within the remaining credit period.


A hire purchase agreement (2 copies) and a copy of the full terms and conditions of this agreement will be sent to the customer’s home address. A signed copy of the agreement must be returned to Svea, and the terms and conditions must also be signed.

If the customer has any questions concerning the credit facility, customer services can be contacted on +358 9 4242 3330 or by email to asiakasinfo@svea.fi. If payments are not made on time and contact has not been made about the missing payments, we will transfer the receivables to a collection agency in accordance with the regulations of the Consumer Protection Act. Please contact customer services for more information on the terms and conditions, as well as further details regarding the service. Click here for the full terms and conditions Further information regarding the credit terms and conditions, as well as standard European consumer credit info, can be found at www.sveawebpay.fi/tiliehdot. Save and/or print these terms and conditions for future reference.


For additional information on remote sales and trading over the Internet, please see the website of the Consumer Authority, www.kuluttajavirasto.fi, or our credit facility agreement which can be found at www.sveawebpay.fi/tiliehdot. Svea complies with the Personal Data Act. Additional information on this legislation is also available on the website of the Consumer Authority.


Contact information:

Svea Ekonomi Ab, filial i Finland

Mechelininkatu 1a

00180 Helsinki

Phone: 09 4242 3330

Email: asiakasinfo@svea.fi

www.sveawebpay.fi

5. Cancellation of training courses/orders and the right to return purchases

According to the Consumer Protection Act, web shop customers have the right to exchange or return goods within 14 days. More information on cancelling training courses is available below. Items being returned for exchange or refund must be in the original packaging and in new condition. If you wish to return a purchase, in the first instance contact info@trainer4you.fi and ask for return instructions. Remember to enclose your name, contact information and bank account details if a refund is required.


Enrolling on a Training Forum seminar and purchasing seminar tickets are binding decisions. The Training Forum books external performers and speakers. Trainer4You reserves the right to make changes to the programme if a speaker is unavailable for reasons beyond Trainer4You’s control.


More information on cancelling training courses: after enrolling on our website, training course reservations can be cancelled within 14 days and a full refund will be given. After 14 days, training course reservations can only be cancelled on production of a valid medical certificate (sick note) for the participant. The minimum cancellation fee is 10 per cent of the price of the course or €100, whichever is the greater. After enrolment, if a cancellation occurs less than four weeks before the start of the course and a valid medical certificate is not available, we will charge 50 per cent of the price of the course.


If, after enrolment, a participant does not attend the training course or does not complete the course, we will charge the full price of the training course in question. If the participant has enrolled in the Trainer4You Personal Trainer programme, the cancellation fee is based on the price of the whole programme. Changing the training course attended is possible if the change is from the Nutrition Coach course to the Personal Trainer programme. An administration fee of €65 will be charged for the transfer.


In situations where Trainer4You is unable to complete the service paid for by the customer, the customer only has the right to claim a refund equivalent to the number of uncompleted training days.


Cancellation policy for the Trainer4You Personal Trainer Business and Sales Training: if a participant wishes to cancel their participation in the above-mentioned course, a deviation from these enrolment rules and conditions in section 7 (Validity and termination of the agreement) of the license agreement shall be observed.


Changing location (city) during training courses: should participants wish to change the location of their training course after enrolling, the first change is free of charge. An administration fee of €65 will be charged for any subsequent changes.


Postponing the start date of the course: Invoicing will be carried out in accordance with the original, binding enrolment. In addition, an administration fee of €65 will be charged.


Cancellation of course: Trainer4You reserves the right to cancel training courses up to seven (7) days before their commencement. Should a course be cancelled, participants will be informed personally.

6. Other conditions

General care is taken to implement the services provided. Trainer4You Oy will only be liable for indirect damages if it is liable for damages due to gross negligence or similar. Against such damages, Trainer4You Oy holds insurance. Participants must have their own personal accident insurance.


By placing an order or enrolling on a training course the customer must also accept the terms and conditions of the Trainer4You website, which are available at: https://www.trainer4you.fi/kayttoehdot.


The invalidity or unenforceability of one or more provisions of this agreement shall not affect any other provision of this agreement.


A failure by Trainer4You to exercise its rights under this agreement does not constitute a waiver of its rights.

7. Contact information

Email: info@trainer4you.fi

Phone: 010 5053115

Postal address: Keilaranta 8, 02150 Espoo

8. Right to change this agreement

Trainer4You reserves the right to change the terms and conditions and prices outlined in this agreement.

9. Applicable legislation and court of jurisdiction

The agreement is governed by Finnish law. The customer has the right to take legal action, in a general court in the first instance, or to bring an action before the Consumer Disputes Board.