Payment Terms

Last Updated: May 12, 2025

These Payment Terms govern all financial transactions between Linqora ("we," "us," or "our") and users ("you" or "your") of our online education platform located at linqora.pro. By purchasing any service, subscription, or product from us, you agree to these Payment Terms.

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1. Accepted Payment Methods

We accept the following payment methods for transactions on our platform:

• Credit cards (Visa, MasterCard, American Express)
• Debit cards
• Electronic bank transfers
• Digital payment platforms and e-wallets
• Other payment methods as indicated during checkout

Payment processing is handled by secure third-party payment processors. We do not store your complete credit card information on our servers.

2. Pricing and Fees

2.1 Service Pricing

All prices are displayed in South African Rand (ZAR) unless otherwise specified. Prices are subject to change at any time without prior notice. However, price changes will not affect orders already confirmed or active subscriptions during their current billing period.

2.2 Taxes and Additional Charges

Prices displayed may be exclusive of applicable taxes, including but not limited to value-added tax (VAT), sales tax, or other governmental charges. Any applicable taxes will be calculated and added to your total at checkout based on your billing information.

2.3 Currency Conversion

If you pay in a currency other than the displayed price currency, your financial institution or payment processor may apply currency conversion fees. We are not responsible for any such fees or rate fluctuations.

3. Billing and Payment Processing

3.1 One-Time Payments

For single course purchases or one-time fees, payment is due immediately upon order placement. Your access to the purchased content will be granted after successful payment confirmation.

3.2 Subscription Services

For subscription-based services:

• Payment is automatically charged at the beginning of each billing cycle
• Billing cycles may be monthly, quarterly, or annually as selected during purchase
• You authorize us to charge your designated payment method automatically
• Failed payments may result in service suspension or cancellation
• You are responsible for maintaining valid payment information

3.3 Authorization and Verification

When you provide payment information, you authorize us to verify the payment method and charge applicable fees. We may conduct security checks and validation procedures to prevent fraud. Orders may be delayed or declined if verification is unsuccessful.

4. Failed Payments and Payment Retries

If a payment fails due to insufficient funds, expired cards, or other reasons:

• We will notify you via email at the address associated with your account
• We may attempt to process the payment again within a reasonable timeframe
• Your access to subscription services may be temporarily suspended
• Continued payment failure may result in account termination
• You remain responsible for any outstanding amounts owed

5. Refunds and Cancellations

5.1 Refund Policy

Refund eligibility depends on the type of purchase:

• Course purchases may be eligible for refunds within a specified period if minimal content has been accessed
• Subscription refunds are subject to our cancellation policy outlined below
• Digital products and downloadable content are generally non-refundable once accessed
• Refund requests must be submitted through our official support channels

5.2 Subscription Cancellation

You may cancel your subscription at any time through your account settings or by contacting our support team. Upon cancellation:

• You will retain access to subscription benefits until the end of the current billing period
• No refunds will be provided for partial billing periods
• Automatic renewal will be disabled
• No further charges will be made after the current period ends

5.3 Refund Processing Time

Approved refunds will be processed within 10 to 15 business days. Refunds are issued to the original payment method used for purchase. The time for funds to appear in your account depends on your financial institution.

6. Promotional Codes and Discounts

Promotional codes, discounts, and special offers:

• Must be applied at the time of checkout
• Cannot be retroactively applied to previous purchases
• May have expiration dates and usage limitations
• Cannot be combined with other offers unless explicitly stated
• Are subject to specific terms and conditions disclosed at the time of offer
• May be revoked if obtained or used fraudulently

7. Free Trials and Introductory Offers

When you sign up for a free trial or introductory offer:

• You must provide valid payment information
• You will be automatically charged at the standard rate when the trial period ends
• You must cancel before the trial ends to avoid charges
• Free trials are typically limited to one per user
• We reserve the right to verify eligibility and deny free trial access

8. Account Credit and Balances

If your account maintains a credit balance:

• Credits may be applied automatically to future purchases
• Account credits are non-transferable and non-refundable as cash
• Credits may have expiration dates as specified at the time of issuance
• Unused credits may be forfeited upon account closure

9. Chargebacks and Disputes

If you initiate a chargeback or payment dispute:

• Your account access may be immediately suspended pending resolution
• We reserve the right to terminate your account if the dispute is found to be fraudulent
• You may be required to provide documentation supporting your dispute
• We will cooperate with payment processors and financial institutions during investigations
• False chargebacks may result in legal action and recovery of associated costs

We encourage you to contact our support team before initiating a chargeback to resolve any billing concerns.

10. Payment Security

We take payment security seriously and implement industry-standard measures to protect your financial information:

• All payment transactions are encrypted using secure socket layer (SSL) technology
• We comply with payment card industry data security standards (PCI DSS)
• Payment information is processed through certified third-party payment processors
• We do not store complete credit card details on our servers

You are responsible for maintaining the confidentiality of your account credentials and payment information.

11. Price Adjustments and Subscription Changes

11.1 Price Increases

We reserve the right to modify subscription prices. For existing subscribers:

• You will receive advance notice of price changes via email
• Changes will take effect at your next renewal date after the notice period
• You may cancel your subscription before the new price takes effect
• Continued use of the service after the price change constitutes acceptance

11.2 Plan Upgrades and Downgrades

You may change your subscription plan at any time:

• Upgrades take effect immediately with prorated charges
• Downgrades take effect at the start of the next billing cycle
• No refunds are provided for downgrades during the current billing period

12. Late Payments and Collection

If payment is not received when due:

• Your account may be suspended or terminated
• Late fees or interest charges may apply where permitted
• Outstanding balances may be referred to collection agencies
• You will be responsible for all collection costs, including legal fees

13. Contact Information for Billing Inquiries

For questions or concerns regarding payments, billing, or these Payment Terms, please contact us:

Linqora
64 Church St, Klerksdorp Central
Klerksdorp, 2570
South Africa

Email: [email protected]
Phone: +27660397761

14. Modifications to Payment Terms

We reserve the right to modify these Payment Terms at any time. Changes will be effective immediately upon posting to our website with an updated revision date. Your continued use of our services after changes are posted constitutes acceptance of the modified terms. We encourage you to review these Payment Terms periodically.

15. Severability

If any provision of these Payment Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Payment Terms, together with our Terms of Service and Privacy Policy, constitute the entire agreement between you and Linqora regarding payment for our services and supersede all prior agreements and understandings.