Course and consultation terms, refunds, and GDPR information

By creating an account, buying a course, or using the student area, the customer agrees to the platform rules that apply to digital course delivery.

• These terms are intended for online course sales, consultation-hour services, and account access connected to Harmony Academy.
• Customers must provide accurate registration and payment information.
• Accounts are personal and should not be shared with other users.

A completed purchase grants the customer the course access or consultation service described at the time of purchase.

• Access can include videos, worksheets, downloadable resources, exercises, and support tools.
• Consultation purchases are recorded as paid service hours and should be scheduled or followed up by the business after payment.
• Course access is linked to the registered account used for the purchase.
• We may update course structure, lesson order, or presentation as long as the purchased core course offering remains available.

Prices, taxes, accepted payment methods, and any promotional discounts should be shown before checkout. Refund requests should be reviewed consistently and documented.

• Prices should be displayed clearly before the customer submits payment.
• If a manual refund is granted, course access may be limited or removed once the refund is completed.
• Chargeback abuse, payment fraud, or misuse of digital materials may lead to account review or suspension.

Under EU consumer guidance for online and distance sales, customers generally have a 14-day withdrawal period. For digital content, that right can be lost once downloading or streaming starts if the customer expressly agreed to immediate performance and acknowledged losing the withdrawal right.

• For services bought online, the general withdrawal period is 14 days from contract conclusion.
• For online digital content, the withdrawal exception may apply once performance starts with explicit customer consent and acknowledgement.
• National implementation can differ, so the business should verify the exact wording required in its target market before going live.

Customers should have a clear support route for technical issues, payment questions, and access problems.

• If the customer cannot access a purchased course because of a platform issue, the business should first attempt to restore access promptly.
• If a course is unavailable for a material reason and cannot be restored within a reasonable time, the business should assess an appropriate remedy, which may include replacement access or refund.
• Support responses, refund decisions, and access changes should be logged internally.

Personal data should be collected only for specific, legitimate purposes related to running the platform and fulfilling the contract.

• Typical data includes name, email address, account role, purchase records, learning progress, support questions, and security or device session data.
• Payment processing should be limited to what is necessary for checkout, fraud prevention, bookkeeping, and legal compliance.
• Referral data should be limited, short-lived, and used only to apply a requested referral benefit or prevent abuse.

Customers should be informed about their rights under the GDPR and how to exercise them.

• The customer can request access to their data, correction of inaccurate data, deletion where legally possible, restriction, portability, or objection in the cases provided by law.
• Customers should also be informed about how to complain to a competent data protection authority.
• Requests should be handled through the privacy contact identified by the business.

Data should be kept only as long as needed for account operation, legal obligations, dispute handling, security, or financial records.

• Authentication and security data should be protected with appropriate technical and organizational measures.
• Non-essential browser storage should be minimized and should not be kept longer than necessary.
• When data is no longer required, it should be deleted or anonymized according to the business retention policy.