Terms and Conditions

1. Legal Compliance Requirements

All users must comply with applicable laws and regulations in their jurisdiction and in Finland. This includes but is not limited to:

2. Prohibited Activities and Conduct

Users are strictly prohibited from engaging in activities that may harm Nordic Analytics, other users, or violate legal standards:

3. Indemnification Obligations

Users agree to indemnify and hold harmless Nordic Analytics from claims arising from:

• Violations of these terms and conditions or applicable laws
• Misuse of course materials or intellectual property infringement
• Unauthorized access to accounts or systems
• Harm to other users or third parties resulting from user conduct

4. Age Restrictions and Capacity

Our services are intended for users who are at least 18 years old or have reached the age of majority in their jurisdiction. Users under 18 may participate in our courses only with proper parental or guardian consent and supervision. All users must have the legal capacity to enter into binding agreements and understand the educational and professional implications of their enrollment.

1. Disclaimer of Warranties

Nordic Analytics provides educational services on an "as is" and "as available" basis. We disclaim all warranties, express or implied, including:

2. Limitation of Liability

To the maximum extent permitted by law, Nordic Analytics shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

• Lost profits, revenue, or business opportunities
• Data loss or corruption
• Interruption of business or educational activities
• Cost of substitute services or educational programs

Our total liability for any claim shall not exceed the amount paid by the user for the specific service giving rise to the claim during the 12 months preceding the claim.

3. Force Majeure Provisions

Nordic Analytics shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including:

4. Educational Outcome Disclaimers

While we strive to provide high-quality education, individual learning outcomes depend on many factors including student effort, prior experience, and market conditions. We cannot guarantee specific career results, salary levels, or job placement rates. Our statistics represent historical averages and may not reflect future outcomes. Students are responsible for their own career development and professional advancement decisions.

1. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of Finland. The following legal framework applies:

• Finnish Consumer Protection Act for individual consumers
• European Union General Data Protection Regulation (GDPR)
• Finnish Education Act and related regulations
• Helsinki District Court has jurisdiction for legal disputes

2. Dispute Resolution Procedures

We strongly encourage resolving disputes through communication before formal legal action. Our dispute resolution process includes:

3. Severability and Modification

If any provision of these Terms and Conditions is found to be unenforceable or invalid:

• The invalid provision will be severed from the agreement
• Remaining provisions continue in full force and effect
• Invalid provisions replaced with enforceable equivalents when possible
• Users will be notified of any significant modifications

4. Effective Date and Amendments

These Terms and Conditions take effect from the date of first access or enrollment, whichever occurs first. We may modify these terms periodically to reflect changes in our services, legal requirements, or business practices. Significant changes will be communicated via email to enrolled students at least 30 days before taking effect. Continued use of our services after notification constitutes acceptance of updated terms.