Our commitment to fair cancellations
We would rather refund a course fee than keep someone in a programme that is not right for them. At the same time, live cohorts have limited places and substantial planning costs, so this policy sets out clear rules for both sides. It applies to every paid programme sold through garerano.com.
Cooling-off period for consumers
If you are a consumer resident in the European Union, you have a fourteen-day right of withdrawal from the date of purchase. Because our digital course materials are delivered immediately, you must expressly request that access begins right away, and you accept that the withdrawal right ends once the full course content has been made available to you.
To exercise the cooling-off right, email garerano@hotmail.com with your name, order reference and the programme you purchased. We will refund the full fee within fourteen days using the original payment method.
Refunds after the programme has started
- Withdrawal before the end of week two: full refund minus a 90 euro administration fee covering platform and onboarding costs
- Withdrawal between week three and the halfway point: a credit note for fifty percent of the fee, usable on any future cohort within twelve months
- Withdrawal after the halfway point: no refund, as the majority of mentoring and live session costs have already been incurred
The specific week numbers for each programme are stated in the course description and confirmed in your enrolment email.
Transfers and postponements
If life gets in the way, you may transfer your place to another person at no cost up to seven days before the start date. Postponing to a later cohort is possible once per enrolment, provided you give us at least fourteen days' notice and the request is made before the halfway point of the current programme.
Transfers are subject to availability and price differences between cohorts. Any increase in fee is payable before the new cohort begins.
Programme changes and cancellations by us
If we cancel a cohort or move a start date significantly, you may choose between a full refund, a credit note for any future programme or a place in the rescheduled cohort. Refunds in this case are issued without any administration fee.
We are not responsible for refunds caused by your personal circumstances, scheduling conflicts or a change of mind after the refund window has closed, although we will always look for a reasonable solution where possible.
How to request a refund
Send a written request to garerano@hotmail.com including your full name, order number and reason for the request. We acknowledge every request within two working days and process approved refunds within fourteen days. If you disagree with our decision, you may refer the matter to the Finnish Consumer Disputes Board.