Payment Terms

§1. What this document covers

1.1. These Payment Terms describe how payments are made on the Elegant Investors platform, available at www.elegantinvestors.com.

1.2. This document supplements the Terms and Conditions of Using the Platform. The rules for concluding a contract, for access to products and for withdrawal from a contract are described in those Terms. In the event of any discrepancy, those Terms prevail.

1.3. Sales are conducted by Kinga Stigter, conducting unregistered business activity, correspondence address Ujejskiego 9, 30-102 Krakow, Poland, email address kinga.elegant.investors@gmail.com.

§2. Prices

2.1. Prices on the Platform are given in euro and are the final prices for a given product.

2.2. The price visible in the order summary at the moment the order is placed is binding.

2.3. The price does not cover charges that the buyer's bank or card issuer may apply, in particular currency conversion costs and foreign transaction fees. Those charges arise from the buyer's agreement with her bank.

§3. Tax and the purchase confirmation document

3.1. The Seller benefits from an exemption from value added tax, so no value added tax is added to the price.

3.2. Once the payment is credited, the buyer receives a purchase confirmation document by email.

3.3. The buyer provides the details for the document when placing the order. Once the document has been issued, a change of details is made by issuing a corrected document.

§4. Payment methods and the moment of payment

4.1. Payments are handled by an external payment operator. The Seller does not accept payments outside that operator.

4.2. The available payment methods are shown in the basket. They include payment card and instant bank transfer, and the full set depends on the country and the currency and may be changed by the operator.

4.3. A card payment may require additional confirmation of identity by the buyer's bank, in line with the rules on strong customer authentication.

4.4. Payment is treated as made at the moment it is confirmed by the payment operator. At that moment the contract is concluded, and access to the product is opened in accordance with the Terms.

4.5. The Seller does not store full payment card details. Those details are processed by the payment operator.

§5. Recurring payments in the Elegant Learning Paths

5.1. The Elegant Learning Paths are billed monthly or annually, according to the buyer's choice.

5.2. On starting a subscription, the buyer saves a payment method with the operator and agrees to be charged in the following periods.

5.3. The payment is collected on the renewal date of the period, without separate confirmation for each charge.

5.4. Cancellation is submitted in the account panel or by email. Cancellation stops the next renewal, and access lasts until the end of the period paid for. The payment for a period already started is not refunded, unless the buyer is entitled to withdraw from the contract or has a claim arising from the product not conforming with the contract.

§6. Failed payment

6.1. When a payment is declined, the buyer receives information from the operator. The most common reasons are insufficient funds, an expired card and a lack of confirmation by the bank.

6.2. With recurring payments the operator makes further attempts to charge, and the buyer receives reminders by email.

6.3. If the payment is not received within 15 days of the due date, access to the products covered by that learning path expires. Information about this is sent by email.

6.4. Settling the outstanding payment restores access from the moment the payment is credited.

§7. Discounts and the loyalty programme

7.1. Discounts arising from the learning path held are applied automatically for a logged in buyer at the moment the order is placed.

7.2. Discounts do not combine. Where several apply, the higher one applies.

7.3. A discount is applied only at the moment the order is placed. Orders placed earlier are not recalculated, and moving to a higher learning path later does not change the price of an order already paid for.

7.4. For completing a course for beginners the buyer receives a referral distinction. It gives 10% off further courses and 5% of the value of a course paid for by a referred person. For completing a course for advanced learners those values are 20% and 10% respectively.

7.5. The referral distinction is personal, is granted once and may not be transferred to another person.

7.6. The benefit due for a successful referral is paid in money or given as a gift card. The condition for payment is that the referred person pays for the course and completes it.

7.7. Discounts cannot be exchanged for money. Where an order is refunded, the amount actually paid by the buyer is returned, that is the price after the discount was applied.

7.8. The Seller may withhold the payment and withdraw the distinction granted if abuse is established, in particular a referral that is not genuine. The buyer is informed of this and may respond to the matter.

§8. Price changes

8.1. Prices may change. A change does not apply to orders placed and paid for before it takes effect.

8.2. The buyer is informed of a change in the price of a learning path by email at least 30 days before the date it takes effect. The new price applies from the next billing period, and the buyer may cancel before that date.

8.3. Where a price reduction is announced, the lowest price of that product from the 30 days before the reduction is given next to the reduced price.

§9. Refunds

9.1. The rules for withdrawal from a contract and the cases in which a refund is due are described in the Terms and Conditions of Using the Platform.

9.2. A refund is made using the same payment method that was used for the purchase, unless the buyer agrees to another method that does not involve any cost to her.

9.3. A refund is made within 14 days of the day on which the obligation to make it arose. The time it takes for the funds to be credited to the buyer's account depends on her bank and on the payment operator.

§10. Chargebacks

10.1. Raising a chargeback with the buyer's bank results in access to the products paid for being suspended until the matter is settled by the payment operator.

10.2. The Seller passes to the payment operator the information needed to consider the matter, including confirmation that the contract was concluded and that the product was made available.

10.3. Before raising a chargeback it is worth making contact by email, because most matters can be cleared up more quickly that way.

§11. Contact regarding payments

11.1. Questions about payments, sales documents and refunds are received at kinga.elegant.investors@gmail.com.

11.2. A reply is sent on working days, no later than within 14 days of the message being received.