Creatinary (Studio FTIO)
Last updated: 10.12.2025

Welcome to Creatinary, operated by Studio FTIO (“we,” “us,” “our”).
By accessing or using our website, digital products, courses, membership, or services, you agree to be bound by these Terms & Conditions.

If you do not agree with these terms, please do not use our website or purchase our products.

1. Business Information

Business name: Creatinary
Legal entity: Studio FTIO
Business address: Tuusula, Finland
Contact email: info @ creatinary.com

2. Use of This Website

By using our website and services, you represent that:

- You are at least 18 years old.

- You have the legal authority to enter into these Terms.

- You will provide accurate information.

- You will not use the site for any unlawful or prohibited purpose.

- We reserve the right to refuse service to anyone at any time.

3. Intellectual Property Rights

All content on this website and within Creatinary programs — including text, videos, lessons, worksheets, branding, graphics, logos, and digital downloads — is owned by Studio FTIO and protected by copyright law.

You may not:

- Reproduce, share, or distribute any course materials.

- Teach, sell, or repurpose our content as your own.

- Publish screenshots, videos, or downloadable content without permission.

Your purchase grants one personal, non-transferable license to access the material.

4. Digital Products, Courses & Membership

When you purchase a course, program, or digital product:

- Access is delivered through FEA Create.

- Access is for your personal use only.

- Sharing login details is prohibited.

- We may occasionally update or modify the content.

Course & Product Access Duration

Unless otherwise stated, access to products and courses lasts for the lifetime of the product — meaning as long as Creatinary continues to offer and host the course.

5. Payment Terms

Payments are processed securely through Stripe.

By making a purchase, you agree to:

- Provide accurate billing information.

- Authorize the payment method for the total purchase amount.

- Pay all applicable fees and taxes.

Subscription Products

If you enroll in a subscription, your payment method will be charged automatically at the interval specified at checkout.

You may cancel at any time, but cancellations do not provide refunds for completed billing cycles.

6. Refund Policy

All digital products and courses are non-refundable, unless a refund policy is explicitly stated on the sales page of a specific product.

Due to the digital nature of our offerings, once access is granted, we cannot revoke the experience.

If you believe you’ve been charged in error, please contact us within 7 days.

7. User Accounts

When you create an account through FEA Create:

- You are responsible for maintaining the confidentiality of your login credentials.

- You agree not to share your account.

- You must notify us immediately of unauthorized access.

- We are not liable for losses caused by unauthorized account use.

8. Testimonials & User-Generated Content

If you submit a testimonial, review, comment, or message:

- You grant us permission to use it for marketing, unless you request otherwise.

- You confirm it reflects your honest opinion.

- We may edit for clarity or length without altering the meaning.

9. Privacy

Your privacy is important to us.
Our collection and use of personal data is governed by our Privacy Policy, which is incorporated into these Terms.

Please review it at: Privacy Policy.

10. Third-Party Services

Our website may integrate with or link to third-party providers, including:

- FEA Create

- Stripe

- Google Analytics

- Meta (Facebook) tracking

- Hotjar

- Formflow

- Email delivery providers

We do not control these third parties and are not responsible for their practices.

Your use of their services is governed by their terms and policies.

11. No Guarantees or Professional Advice

The content we provide — including courses, digital products, guidance, and educational materials — is for informational and educational purposes only.

We do not guarantee:

- Specific results

- Financial outcomes

- Emotional, mental, or personal transformations

- Business or personal success

- Your results depend on your own actions, circumstances, and effort.

- We do not provide medical, legal, or therapeutic advice.

12. Limitation of Liability

To the fullest extent permitted by law:

- We are not liable for indirect, incidental, special, or consequential damages.

- We are not responsible for interruptions, delays, or technical issues.

- Our total liability for any claim shall not exceed the amount paid for the product or service in dispute.

- You agree to use this website and its content at your own risk.

13. Indemnification

You agree to indemnify and hold harmless Studio FTIO, Creatinary, and its team from any claims, damages, or expenses arising out of your use of:

- The website

- The courses or digital products

- Your violation of these Terms

- Any third-party misuse of your account.

14. Termination

We may terminate or suspend your access to any product, course, or membership if:

- You violate these Terms

- Payment fails

- Misuse or unauthorized sharing of content occurs

- No refunds will be issued in cases of violation.

15. Governing Law

These Terms are governed by the laws of Finland and applicable EU regulations.

Any disputes shall be resolved in Finnish courts, unless local law grants alternative rights to consumers.

16. Changes to These Terms

We may update these Terms at any time.
Updates will be posted with a new “Last Updated” date.

Your continued use of the website constitutes acceptance of the revised Terms.

17. Contact Us

If you have questions about these Terms, contact us at: info @ creatinary.com.