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Monika Kociuba

Materiały do nauki języka fińskiego

Terms and Conditions

Terms and Conditions

1. About

Monika Kociuba FI31757487 (online shop) sells products to private persons in Finland and abroad. We reserve all rights to change the terms and conditions, and the prices. All prices do not include the VAT. Contact details: E-mail: [email protected] Address: Donnerinkatu 8 B 16, 05800 Hyvinkää, Finland

2. Orders

Orders are collected from the online shop by adding the products to the shopping cart. The order is confirmed by using the check-out functionality of the online shop to pay for the order. By confirming an order, you accept these terms and conditions and product pricing. An e-mail confirmation will be delivered in case an e-mail address is provided by the time of confirming the order. The e-mail confirmation lists the products ordered and the price breakdown.

3. Payments

The online shop uses direct bank transfer and third-party services such as Visma Pay or PayPal to process the payments.

Visma Pay

Visma Pay (Paybyway Oy, business-id FI24865594) is the payment facilitator of the online shop. Paybyway Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of Visma Pay. Visma Pay or Paybyway Oy is shown as the receiver of your payment in the bank account listing and in your invoice. Paying with Visma Pay is safe. All information is exchanged through secured connections. The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade. With Visma Pay you can pay your order by an internet banking account, a wallet, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, Jousto, Enterpay Company Invoice, MobilePay, Masterpass, Pivo, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards. Read more about Visma Pay:


PayPal enables any individual or business with an email address to securely, easily and quickly send payments online. PayPal allows payment through credit cards, bank accounts, buyer credit, or PayPal account balances. PayPal’s service builds on the existing financial infrastructure of bank accounts and credit cards, and uses advanced proprietary fraud-prevention systems to create a safe, global, real-time payment solution.

4. Delivery of digital products

Access to digital products is given after the payment has been recorded. When using the payments via Visma Pay or PayPal the order is submitted automatically with an immediate effect.

5. Returns and cancellations

The customer has a right to change or return ordered products during 14 days of receiving the order but before downloading the product. Once the digital product has been downloaded, they cannot be returned. The customer has right to cancel an order before the order is delivered.

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