Welcome to your global intersection.

You are not here to follow a flag-waving guide or sit on a crowded tour bus. You are here to uncover the raw soul of the destination. You are here to forge bonds with people who do not speak your language or share your passport.

On this specific Chapter, this is what is included:

* Accommodation throughout the entire trip
* Flights to and from Finland
* Transportation around the country
* The planned activities included in the trip
* One meal at an ice restaurant
* 24/7 travel guide

The remaining meals are not included in the price.

A possible ski day at Pyhätunturi is also not included and must therefore be purchased separately if you wish to go skiing.

At Chapters Institute, we curate the community as carefully as we curate the accommodation. You are sharing this space with a hand-picked, international group of travelers. We challenge you to leave your national bubbles at the door. Do not cluster by language. Do not stick to what feels safe. Instead, use this opportunity to build a truly borderless network while immersing yourself in the local environment.

The Rules of the Road: The following concepts are a sample of how you might enjoy your time. You are the architect of your own days. Sleeping in is highly encouraged.

Go explore. Support local. Build your global network.

At Chapters, we have designed our pricing to give you as much flexibility as possible. Instead of including flights and meals in the price, we focus on the experiences, activities, and community that make the journey special.

This allows you to choose flights that fit your schedule and budget, and enjoy local food whenever and wherever you like during the trip. If desired, we do offer to send recommended flights for your specific Chapter. All you need to do is contact us on our info mail. info@chaptersinstitute.com.

ADDENDUM: OPTIONAL CANCELLATION PROTECTION

Product Overview: Standard booking terms at Chapters Institute are strictly non-refundable. However, by purchasing one of the following "Protection Add-Ons" at the time of booking, you purchase a waiver of these strict cancellation terms.

1. Standard Cancellation Protection ("Cancellation: Illness")

Designed for peace of mind regarding health.

1.1. Scope of Protection This protection entitles the Guest to a refund if they are unable to travel due to acute illness or injury affecting the Guest or a first-degree relative (spouse, child, parent).

1.2. Refund Calculation If a valid claim is made, the Guest will receive a refund of the total booking amount paid, LESS:

• The cost of the Protection fee itself.

1.3. Conditions for Claim

• Documentation: The Guest must provide a valid medical certificate from a licensed, independent physician stating explicitly that the Guest is unfit to travel.
• Timing: The certificate must be dated no later than the scheduled check-in date.
• Exclusions: This protection is void if the illness is a pre-existing chronic condition known at the time of purchase, or if the injury is self-inflicted.

2. Premium Cancellation Protection ("Cancellation: Complete")

Total freedom to change your plans, no questions asked.

2.1. Scope of Protection This premium protection entitles the Guest to cancel the booking for any reason whatsoever (including change of mind, work conflicts, or just bad timing). No medical evidence or justification is required.

2.2. Refund Calculation Upon cancellation, the Guest will receive a refund of the total booking amount paid, LESS:

• The cost of the Protection fee itself.

2.3. Conditions for Claim

• Deadline: Notification of cancellation must be received by Chapters Institute in writing no later than 30 days prior to the scheduled check-in time.
• Binding: Once the deadline has passed, the booking reverts to non-refundable status.

3. General Terms for Protections

• Purchase Window: These protections can only be purchased at the moment of the initial booking. They cannot be added retroactively.
• Non-Refundable Fee: The fee paid for the Protection itself is strictly non-refundable, even if the Protection is never utilized.
• Not an Insurance Policy: The Guest acknowledges that this is a contractual cancellation waiver offered directly by Chapters Institute, not an insurance policy regulated by the Financial Supervisory Authority.

Travel Insurance: The Non-Negotiable Essential

We love adventure, but we hate risky business. Because life happens, comprehensive travel insurance is a mandatory condition of booking with Chapters Institute.

Chapters Institute do not offer a direct travel insurance, but we recommend companies such as Gouda & Tryg.

Why you need it:

• Your Money is Locked In: As per our Refund Policy, your booking becomes non-refundable after the grace period. If work, illness, or a cancelled flight stops you from coming, your insurance is your only way to get your money back. We cannot act as your bank.
  
• Medical Adventures: Getting an injury abroad can be expensive for tourists. You need coverage that pays upfront.
• The Scooter Clause: If you plan to e.g. rent a scooter, ensure your policy covers motorbike accidents and that you have the correct international license. Many standard policies exclude this!

What your policy MUST cover:

1. Cancellation & Curtailment: To cover your accommodation fee if you cannot travel.
2. Medical Expenses & Repatriation: In case you need to be flown home.
3. Adventure Activities: If you plan to surf, dive, hike or any other physical demanding activity, make sure you are not "off-piste" in the eyes of your insurer.

The Fine Print: Chapters Institute does not sell travel insurance. It is your sole responsibility to read the PDS (Product Disclosure Statement) of your chosen insurer to ensure you are covered. We accept no liability for costs that would have been covered by a proper insurance policy.

By booking a trip with us, you agree to the following payment terms and conditions.

All bookings must be paid either in full at the time of purchase or through an agreed installment plan. We offer installment options over 3, 6, or 12 months, depending on the timing of your booking. This option is avaliable with Klarna at checkout.

Regardless of the chosen payment method, all payments must be fully completed no later than one (1) month prior to the scheduled departure date. This is a strict requirement to secure participation in the Chapter.

Failure to complete payment within the required timeframe may result in adjustment of the desired installment and if not agreed, cancellation of your booking and forfeiture of any payments already made, subject to our cancellation policy.

By confirming your booking, you acknowledge and accept these payment terms.