Payments & Refunds Policy
This Payments & Refunds Policy (“Policy”) sets out the terms governing all payments, subscriptions, discounts, and refunds for services, courses, programmes, and memberships offered by Trade Sense Ltd, a company registered in England and Wales with company number [insert number], registered office at [insert registered address] (“Trade Sense”, “we”, “us”, “our”).
By purchasing, subscribing to, or accessing any of our services or programmes, you agree to be bound by this Policy. This Policy forms part of our Terms and Conditions.
1. Billing
1.1 You must provide complete and accurate billing information, including your full name, address, and a valid payment method at the time of purchase.
1.2 Should automatic billing fail for any reason, access to the relevant service or programme will be suspended until payment is successfully processed.
2. Fee Changes
2.1 Trade Sense may, in its sole discretion, modify the fees for its services or programmes at any time.
2.2 Any fee change will become effective on the next date when the relevant service or programme is available for purchase.
2.3 We will provide reasonable prior notice of any fee change, giving you the opportunity to cancel your order before the change takes effect.
2.4 Continued use of the service after the fee change takes effect constitutes acceptance of the modified fee.
3. Accuracy of Billing and Account Information
3.1 We reserve the right to refuse, limit, or cancel any order placed with us. This may include restrictions on orders placed under the same customer account, credit card, billing address, or shipping address.
3.2 In the event of cancellation or changes, we will attempt to notify you using the contact details provided at the time of purchase.
3.3 You agree to maintain current, complete, and accurate purchase and account information. This includes promptly updating your email address, billing details, and payment method information to ensure successful completion of transactions.
4. Payment Terms
4.1 Upfront Payment: Unless otherwise stated, programme fees are payable in full at the time of registration.
4.2 Split Payments: Where split payment plans are offered, participants remain responsible for ensuring timely settlement of all instalments. Access may be suspended if payments fall into arrears.
4.3 Outstanding Balances: All outstanding amounts must be settled no later than the commencement of the programme or service. Failure to pay in full may result in removal from the programme and recovery action for unpaid balances.
4.4 Subscriptions or Memberships:
For subscription-based services (where applicable), fees will be charged automatically on a recurring basis (e.g. monthly or annually) until cancelled.
You may cancel at any time via your account dashboard or by written notice to us.
Cancellations will take effect at the end of the current billing cycle. No partial refunds will be issued for unused portions of a billing period.
5. Refund Policy
5.1 Cooling-Off Period:
In accordance with UK consumer law, you may cancel within 14 days of your initial payment and receive a full refund, provided that the programme, service, or membership has not commenced or been accessed.
5.2 Post Cooling-Off Period:
After the cooling-off period but up to two (2) months prior to the scheduled programme start date, participants may withdraw and receive a refund of fifty percent (50%) of the total programme fee paid.
5.3 Non-Refundable Period:
No refunds will be issued for withdrawals made within two (2) months of the scheduled programme start date.
5.4 Subscriptions:
For subscription-based services, no refunds will be issued for fees already paid. Cancellation will only prevent further charges.
5.5 Exceptional Circumstances:
Refunds outside the scope of this Policy may only be granted at our sole discretion, in exceptional circumstances. Supporting evidence may be required.
6. Deferrals and Date Changes
6.1 Participants may request to defer their enrolment to a future session by providing at least one (1) month’s written notice prior to the scheduled start date.
6.2 Requests received within one (1) month of the start date will not normally be eligible for deferral.
7. Discounts, Promotions and Sales Campaigns
7.1 From time to time, Trade Sense may offer promotional discounts, voucher codes, or sales campaigns. Each offer will be subject to its own specific terms and conditions.
7.2 Promotions are valid only for the stated period and cannot be applied retroactively to prior purchases.
7.3 Discounts and codes are non-transferable, non-exchangeable, and may not be redeemed for cash.
7.4 Refunds, where applicable, will be calculated on the actual amount paid, not the full standard programme or service fee.
7.5 We reserve the right to withdraw, suspend, or cancel any promotional offer at any time where misuse, abuse, or fraudulent activity is suspected.
8. Non-Payment
Failure to make payment in accordance with this Policy may result in suspension or termination of access to services, without prejudice to our right to recover outstanding amounts.
9. Governing Law
This Policy shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.