Terms and Conditions Johanna Matruka / Threshold Method
Last updated: May 5, 2026
1. Who We Are These Terms and Conditions govern all purchases and participation in offerings by Johanna Matruka, operating as the Threshold Method. By purchasing any product or service you agree to these terms. Contact: Johanna@johannamatruka.com Website: www.johannamatruka.com Location: Finland
2. Digital Products Digital products include audio courses, guided programmes, Playbooks, letters and any other downloadable or streamed content sold through this website. Upon purchase you receive access to the digital product as described at the time of sale. Access is personal and non-transferable. You may not share, reproduce, distribute or resell any digital content. Refund policy for digital products: You are entitled to a full refund within 7 days of purchase, provided you have not accessed more than the first module of the product. To request a refund contact [your email address] within 7 days of your purchase date. After 7 days or after accessing more than the first module, no refund is available.
3. 1:1 Coaching 1:1 coaching sessions are personal, live sessions conducted via video call or in person as agreed between you and Johanna Matruka. Booking and cancellation: Sessions must be cancelled or rescheduled at least 48 hours in advance. Cancellations made less than 48 hours before the scheduled session are non-refundable. Cancellations made more than 48 hours in advance may be rescheduled without charge. Packages: Where coaching is purchased as a package of multiple sessions, unused sessions are non-refundable after 30 days from the date of purchase unless otherwise agreed in writing. Nature of coaching: Coaching is not therapy, counselling or medical treatment. If you are experiencing a mental health crisis or require clinical support, please seek appropriate professional help. Johanna Matruka is not liable for decisions made as a result of coaching conversations.
4. Group Cohort Programmes Group cohort programmes are time-bound group experiences with defined start and end dates. Participation is personal and non-transferable. Refund policy for cohort programmes: Full refund is available up to 14 days before the cohort start date. After that date, no refund is available as your place cannot be filled at short notice. In exceptional circumstances refunds may be considered at the discretion of Johanna Matruka. Participation: By joining a cohort you agree to engage respectfully with other participants and with the facilitators. Johanna Matruka reserves the right to remove any participant whose behaviour is harmful to the group, without refund. Recordings: Where cohort sessions are recorded, recordings are for participant use only and may not be shared outside the group. Nature of cohort work: Group cohort programmes may include somatic, emotional and creative practices. Participation is voluntary and at your own discretion. You are responsible for your own wellbeing throughout. If at any point a practice feels unsafe, you are encouraged to pause and care for yourself first.
5. Retreats and workshops. Retreats and workshops are in-person experiences held at defined locations on defined dates. Booking: A non-refundable deposit is required to secure your place. The deposit amount is stated at the time of booking. Cancellation by participant: Cancellations made more than 60 days before the start date: full refund minus the deposit. Cancellations made 30-60 days before: 50% refund minus the deposit. Cancellations made less than 30 days before: no refund. We strongly recommend travel insurance that covers cancellation for all retreat and workshop bookings. Cancellation by Johanna Matruka: In the unlikely event that a retreat or workshop must be cancelled due to circumstances beyond our control, all participants will receive a full refund of payments made. We are not responsible for travel or accommodation costs incurred by participants. Health and safety: Retreat and workshop activities may include time in nature, sauna, somatic practices and emotional work. By booking you confirm that you are in suitable health to participate. Please inform us of any relevant health conditions before the retreat or workshop begins. Participation in all activities is voluntary. Liability: Participants engage in all activities at their own risk and are responsible for their own safety and wellbeing.
6. Privacy Your personal data is collected and processed in accordance with our Privacy Policy, available at www.johannamatruka.com/privacy We comply with the EU General Data Protection Regulation (GDPR). We do not sell or share your personal data with third parties except where necessary to deliver the services you have purchased.
7. Intellectual Property All content created by Johanna Matruka — including audio recordings, written materials, course content, methodologies and the Threshold Method framework — is protected by copyright. You may not reproduce, distribute, teach or commercialise any part of this content without written permission.
8. Limitation of Liability To the fullest extent permitted by law, Johanna Matruka's liability for any claim arising from a purchase is limited to the amount paid for that specific product or service. The Threshold Method offerings are not a substitute for medical or psychological treatment. If you are under the care of a healthcare professional, please consult them before beginning any programme.
9. Governing Law These Terms and Conditions are governed by Finnish law. Any disputes will be resolved under the jurisdiction of Finnish courts.
10. Changes to These Terms We reserve the right to update these Terms and Conditions at any time. The current version is always available at www.johannamatruka.com/terms Continued use of our services after changes constitutes acceptance of the updated terms.
Questions? Contact us at Johanna@johannamatruka.com