Payment Policy

Last Updated: 23 November 2025

This Payment Policy explains how payments, billing, subscriptions, and financial transactions are handled on PTEPrepNavigator (“we,” “our,” “us”). By purchasing any product, subscription, or service from our website, you agree to the terms outlined below.

PTEPrepNavigator provides digital educational services, practice materials, and learning tools for PTE preparation. Our services are delivered online immediately upon successful payment unless specified otherwise.

1. Accepted Payment Methods

We accept the following payment methods:

  • Credit/Debit Cards (Visa, MasterCard, American Express, etc.)
  • PayPal (where available)
  • Stripe
  • Paystack / Flutterwave (for Africa)
  • Google/Apple Pay (where supported)
  • Bank Transfer (for institutional or bulk orders)

All payments must be made in full at the time of purchase unless otherwise stated.

2. Currency

Payments may be processed in:

  • USD
  • CAD
  • GBP
  • AUD
  • EUR
  • NGN
  • Other local currencies depending on your region

Your bank or payment provider may charge conversion fees or international transaction fees. These are outside our control.

3. Pricing & Taxes

All prices listed on our website are final unless stated otherwise.

  • Taxes (VAT/GST/Sales tax) may apply based on your location.
  • If required by law, taxes will be added during checkout.
  • We reserve the right to update our pricing at any time.

Promotional offers, coupon codes, or discounts may have expiration dates or usage limits.

4. Digital Product Delivery

After successful payment:

  • Access to digital content is delivered instantly or via email.
  • Subscription services activate automatically once the transaction is completed.
  • In rare cases, delivery may take up to 24 hours due to technical delays.

If you do not receive access within 24 hours, contact:

📩 contact@pteprepnavigator.com

5. Subscription Billing (If Applicable)

Some services may operate on a monthly, quarterly, or yearly subscription model.

By subscribing, you agree:

  • Payments renew automatically unless cancelled.
  • Renewal billing occurs on the same calendar day as your original purchase.
  • You can cancel at any time through your account dashboard or by contacting us.

No cancellation fees apply.

When you cancel:

  • You retain access until the end of the billing period.
  • No prorated refunds for partially used periods (unless required by local law).

6. Failed or Declined Payments

If a payment fails:

  • We may retry the charge automatically.
  • Your access to services may be paused until payment is completed.
  • We may contact you to update your payment information.

7. Fraud Prevention & Verification

To protect our users, we may use:

  • Fraud detection systems
  • Identity verification steps
  • Manual review for suspicious transactions

Transactions flagged as suspicious may be cancelled or refunded at our discretion.

8. Chargebacks

Before initiating a chargeback, customers must contact us at:
📩 contact@pteprepnavigator.com

Unauthorized chargebacks may result in:

  • Permanent account suspension
  • Blocking future purchases
  • Legal recovery of service fees already rendered
  • Additional administrative fees applied by payment processors

We always work with customers first to resolve issues quickly and professionally.

9. Refunds

Refund requests are governed by our Refund Policy, available here:
👉 Refund Policy

Refunds (when approved) are typically returned to the original payment method within 5–15 business days, depending on your bank/provider.

10. Payment Disputes

In the event of a dispute:

  • Provide your name, email, order number, and details.
  • We aim to resolve all billing issues within 48–72 hours.

Contact: contact@pteprepnavigator.com

11. Bulk, Institutional, or Corporate Purchases

For schools, companies, agencies, or training centers:

  • Custom invoices
  • Volume pricing
  • Dedicated account management

are available upon request. Contact: contact@pteprepnavigator.com

12. Security & Data Protection

We do NOT store full credit card numbers.

All payment information is processed securely via:

  • PCI DSS-compliant payment gateways
  • Encrypted SSL connections
  • Secure tokenization systems

Your billing information is handled according to our Privacy Policy.

13. Policy Updates

We reserve the right to modify this Payment Policy at any time.
Changes are effective immediately when posted on our website.