• Teacher/Provider: Marina Afanasenko, Philadelphia, Pennsylvania, USA, marina.afanasenko@gmail.com (the “Teacher”).

• Student: the individual who makes the payment (the “Student”).

• Course: a group English language learning program (the “Course”).

• Lesson: a scheduled group class session (a “Lesson”).

• Full Upfront Payment (Prepayment): payment of 100% of the Course fee in a single payment before or at the start of the Course, with a discount compared to monthly payments.

• Monthly Rate: the standard, non-discounted tuition fee for one month of the Course.

• Format: group online lessons.

• Schedule: the schedule is agreed with the Student before the Course begins and is sent via email.

• Rescheduling by Teacher: the Teacher may reschedule a Lesson due to organizational reasons and/or force majeure, with advance notice (typically at least 2 hours) and will offer alternative dates/times.

• Standard Monthly Rate: set individually for each Course and published on the relevant Course page at marinafriesen.com. The Monthly Rate is also confirmed by email before the Course begins.

• Monthly payment option (subscription):

  • tuition is charged once per month through a subscription that remains active until the end of the Course term;

  • the subscription must be set up before the Course start date, which is agreed with the Student via email.

• Course fee with Full Upfront Payment (Prepayment): set individually for each Course and published on the relevant Course page at marinafriesen.com, and also confirmed by email before the Course begins.

• How Prepayment is made: paid in a single payment before the Course start date, which is agreed with the Student via email.

• Payment processor: payments are processed through Stripe.

• Non-refundable fees: any non-refundable payment processor/bank fees (if applicable) will be deducted from any refund amount.

• Lessons are held as scheduled with the Students who attend.

• If a Student does not attend a lesson (no-show), the lesson is still considered delivered/held and is not eligible for a make-up, compensation, or refund.

• The Student must notify the Teacher of withdrawal in writing by email at marina.afanasenko@gmail.com.

Monthly payment (subscription)

• If the Student is paying monthly, the Course subscription will be canceled within 2 business days.

• Payment for the current month is non-refundable.

The section below applies only to Students who paid the full Course fee upfront (and received the upfront-payment discount)

Full refund through Week 3

• If the Student notifies the Teacher in writing of withdrawal by the end of the 3rd week from the Course start date (inclusive), the Teacher will issue a 100% refund of the amount paid.

• Any non-refundable payment processor/bank fees (if applicable) may be deducted from the refund.

After Week 3: refund recalculation (no discount)

• Starting from Week 4, if the Student withdraws early:

  • the upfront-payment discount does not apply, because it is granted on the condition of paying upfront and completing the Course in full; and

  • the refund (if any) is calculated by recalculating the delivered portion at the standard Monthly Rate.

No refunds after the midpoint (50% of lessons)

• Once 50% or more of the scheduled Course lessons have taken place, no refund will be issued, regardless of the reason for withdrawal. 

Refund timing and method

• Any refund (if applicable under this Offer) will be issued via the same payment method used for the original payment within 45 business days after:

  • written confirmation of the refund amount; and

  • receipt of any required payment details (if applicable).

• All materials provided by the Teacher (presentations, files, recordings, assignments, worksheets, etc.) are for the Student’s personal use only.

• The Student may not share, publish, distribute, or sell the materials to third parties without the Teacher’s prior written consent.

• Official notices must be sent by email to: marina.afanasenko@gmail.com.

• Requests regarding Course withdrawal and/or refunds are accepted in writing only.

• The parties are not liable for failure to perform their obligations if such failure is caused by force majeure events (including, but not limited to, war, blackouts/power outages, natural disasters, etc.) for the duration of such events.

• In the event of force majeure, the Teacher will coordinate with the Students regarding rescheduling lessons and/or an updated schedule.

• The parties will attempt to resolve any disputes through good-faith negotiations. If the dispute cannot be resolved through negotiation, it will be resolved in accordance with the applicable law.

• Governing law: the laws of the United States, Commonwealth of Pennsylvania.

By paying for the Course (in full or in part, depending on the selected payment option), the Student confirms that they:

• have read and understood these Terms and Conditions;

• agree to be bound by them in full; and

• consent to the processing of their personal data solely for the purpose of providing the services under these Terms.