Banpesudor
Transnational Learning
+1 519 843 5200

Payment Terms

Last Updated: December 29, 2025

These Payment Terms govern all financial transactions between Banpesudor and users of our educational platform. By enrolling in courses or purchasing services, you agree to these terms.

Accepted Payment Methods

We accept the following payment methods:

  • Major credit cards (Visa, MasterCard, American Express)
  • Debit cards
  • PayPal
  • Bank transfers for institutional purchases
  • Other payment processors as displayed at checkout

All payments are processed through secure third-party payment gateways. Banpesudor does not store complete credit card information on our servers.

Pricing and Currency

All prices are displayed in Canadian Dollars (CAD) unless otherwise specified. Prices may vary by region due to local taxes, exchange rates, or regulatory requirements.

Prices are subject to change without prior notice. Any price changes will not affect existing enrollments or purchases already completed.

Course Enrollment Fees

Course fees are payable in full at the time of enrollment unless a payment plan is explicitly offered. Payment plans, when available, require an initial deposit followed by scheduled installments.

Access to course materials is granted immediately upon successful payment verification.

Subscription Services

Some services may be offered on a subscription basis with recurring billing:

  • Subscriptions renew automatically at the end of each billing cycle
  • You will be charged the then-current subscription rate
  • Renewal charges occur on the same day of the billing cycle as your original purchase
  • You may cancel your subscription at any time before the next billing cycle

Subscription cancellations take effect at the end of the current billing period. No partial refunds are provided for unused time within a billing cycle.

Taxes and Additional Fees

Prices displayed may not include applicable taxes, duties, or fees. Additional charges may include:

  • Sales tax, VAT, or GST/HST as required by law
  • Payment processing fees (where applicable)
  • International transaction fees (charged by your financial institution)

You are responsible for all taxes and fees associated with your purchase. Final charges will be clearly displayed before payment confirmation.

Billing Information

You agree to provide current, complete, and accurate billing information. You must promptly update your account with any changes to payment methods or billing details.

Failure to maintain accurate billing information may result in service interruption or enrollment cancellation.

Payment Authorization

By providing payment information, you authorize Banpesudor to charge your payment method for all fees and charges associated with your account, including:

  • Initial course enrollment fees
  • Recurring subscription charges
  • Additional purchases or upgrades
  • Outstanding balances or fees

Failed Payments

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

  • We will attempt to notify you via email
  • We may retry the charge multiple times
  • Your access to courses or services may be suspended
  • Additional fees may apply for payment recovery

Your account will be reactivated once outstanding payments are resolved.

Refund Policy

Refund eligibility depends on the type of purchase and timing of the request:

Course Purchases

Full refunds are available within 14 days of purchase if less than 20% of course content has been accessed. After this period or threshold, all sales are final.

Subscription Services

Subscription fees are non-refundable. Cancellations prevent future charges but do not generate refunds for the current billing period.

Refund Processing

Approved refunds are processed within 10 business days. Refunds are issued to the original payment method. Processing time by your financial institution may vary.

Chargebacks and Disputes

If you dispute a charge with your payment provider without first contacting us:

  • Your account access will be immediately suspended
  • We reserve the right to terminate your account
  • You may be liable for chargeback fees and administrative costs

Please contact our support team at [email protected] to resolve billing disputes before initiating chargebacks.

Payment Plans and Installments

When payment plans are offered, the following terms apply:

  • An initial deposit is required to activate the plan
  • Remaining balance is divided into equal installments
  • Missed payments may result in late fees or service suspension
  • Full course access may be restricted until payment completion

Defaulting on a payment plan may result in account termination and loss of access to materials.

Group and Institutional Billing

Organizations purchasing access for multiple users may qualify for invoicing and custom payment terms. Contact our sales team for enterprise arrangements.

Institutional agreements require a minimum purchase commitment and may include:

  • Net 30 or Net 60 payment terms
  • Volume discounts
  • Dedicated account management

Promotional Codes and Discounts

Promotional codes may be offered at our discretion and are subject to specific terms:

  • Codes are valid for limited time periods
  • One code per transaction unless otherwise specified
  • Codes cannot be applied retroactively
  • Codes cannot be combined with other offers
  • Codes have no cash value

We reserve the right to cancel or modify promotions at any time without notice.

Payment Security

We implement industry-standard security measures to protect your payment information:

  • SSL encryption for all transactions
  • PCI DSS compliance
  • Secure third-party payment processing
  • Regular security audits

While we maintain robust security practices, you are responsible for maintaining the confidentiality of your account credentials.

Price Matching and Adjustments

We do not offer price matching or retroactive price adjustments. Prices in effect at the time of purchase are final.

Account Balance and Credits

Account credits may be issued for refunds, promotional purposes, or service interruptions. Credits:

  • Are non-transferable
  • Cannot be redeemed for cash
  • May have expiration dates
  • Are automatically applied to future purchases

Payment Processing Delays

Payment processing times vary by method and financial institution. Typical processing times:

  • Credit and debit cards: Immediate to 24 hours
  • PayPal: Immediate to 24 hours
  • Bank transfers: 3 to 5 business days

Access to purchased content may be delayed until payment verification is complete.

Third-Party Payment Processors

We use third-party payment processors to handle transactions. By making a purchase, you agree to the terms and privacy policies of these processors.

We are not responsible for errors, delays, or issues caused by third-party payment systems.

Financial Assistance and Scholarships

Limited financial assistance may be available for qualifying students. Assistance applications are reviewed on a case-by-case basis and do not guarantee approval.

Recipients of financial assistance must comply with program-specific requirements and maintain satisfactory progress.

Changes to Payment Terms

We reserve the right to modify these Payment Terms at any time. Changes become effective immediately upon posting to our website.

Continued use of our services after changes constitutes acceptance of the modified terms. Material changes affecting existing subscriptions will be communicated via email.

Contact Information

For payment-related questions or issues, please contact us:

  • Email: [email protected]
  • Phone: +1 519 843 5200
  • Address: 24 Ronson Dr #1, Etobicoke, ON M9W 1B4, Canada

Payment inquiries are typically addressed within 2 business days.