Payment Policy

1. Scope

This Payment Policy explains how Paragon Learning LLC prices, invoices and collects payment for its courses, cohorts, workshops and mentoring hours. It sits alongside our Terms of Service and Refunds Policy.

2. Accepted Payment Methods

• Visa, Mastercard, American Express and Discover credit and debit cards.
• Apple Pay and Google Pay where your device supports them.
• Bank transfer or ACH for company purchases of 3 seats or more.
• Purchase orders and 30-day invoicing for verified corporate and public-sector clients.

If none of these work for you, contact us — we will find a lawful method that does rather than lose you as a learner.

3. Currency, Prices and Tax

All prices are quoted and charged in United States dollars. Where sales tax or VAT applies, it is calculated and shown separately on the checkout page before you confirm. Your bank may apply its own currency-conversion or foreign-transaction fee; that fee belongs to your bank, not to us, and we will always tell you the exact USD amount we charged so you can verify it.

4. Transparent Totals — No Hidden Fees

• We charge no booking fee, no administration fee and no card surcharge.
• The figure displayed on the final checkout screen is the only figure that will appear on your statement for that order.
• Any discount code is applied before you pay, and its conditions are stated on the same screen — never in fine print you have to hunt for.

5. Card Security

Payments are processed by a PCI-DSS Level 1 certified provider over an encrypted connection. Paragon Learning LLC never receives, stores or has access to your full card number, expiry date or security code. We retain only the card brand and last four digits so that you can identify the payment on an invoice. Our staff will never ask you for card details by email, chat or telephone — if anyone claiming to be us does, it is not us, and we ask you to report it to contact@paragonlearningll.com.

6. Instalment Plans

• Selected programmes may be paid in 2, 3 or 4 equal monthly instalments at 0% interest. We charge no financing cost and no plan-setup fee.
• The full schedule of dates and amounts is displayed before you commit, and repeated in your confirmation email.
• You keep access to the course while a plan is running, provided instalments are up to date.
• Miss a payment and we will email you and wait at least 7 days before pausing access. There is no late fee for the first missed instalment, and any subsequent fee is capped at 5 USD.
• You may settle the remaining balance early at any time with no penalty.

7. Subscriptions and Auto-Renewal

• Auto-renewal is only ever active where you selected a subscription plan, and the renewal date and amount are shown at checkout.
• We send a reminder email at least 7 days before every renewal charge, including annual plans.
• You can cancel at any time from your account page, in one step, without contacting support. Cancellation stops all future charges immediately and you keep access to the end of the period you already paid for.
• If a subscription price ever changes, we give 30 days notice and you may cancel before the new price applies.

8. Receipts, Invoices and Records

A receipt is emailed automatically the moment a payment succeeds, and every receipt and invoice remains downloadable from your account. Need a corrected invoice with a company name, tax number or purchase-order reference? Ask and we will reissue it at no charge.

9. Failed or Declined Payments

If a payment is declined, nothing is charged and your enrolment is simply held rather than cancelled. We retry a failed subscription charge no more than twice, on days 3 and 7, and then stop and email you rather than keep hammering your card. We never charge overdraft or retry fees.

10. Duplicate, Incorrect or Unauthorised Charges

Tell us and we will fix it. Duplicate charges and charges made in error are refunded in full, with no time limit and no questions. Where you report a charge you did not authorise, we suspend further billing on that method immediately while we investigate, and we refund unless authorisation can be clearly evidenced.

11. Price Changes

We may change the price of a course for future purchases. Your completed purchase is never repriced, and enrolments already paid for are never billed a top-up. Where a live cohort is delayed at our request, the price you locked in remains valid.

12. Corporate and Team Purchases

Team purchases can be invoiced with net-30 terms after a simple verification step. Seats can be reassigned between employees at no cost while the licence period runs, and unused seats are refundable for 30 days from the invoice date.

13. Refunds

Refunds are always returned to the original payment method, in the original currency and at the full amount you paid. We absorb our processing costs. Full detail, including the 14-day money-back guarantee, is in the Refunds Policy.

14. Chargebacks

You always retain the right to dispute a charge with your bank. We simply ask that you contact us first, because we can usually refund you within days rather than the weeks a formal dispute takes. Opening a conversation with us never waives or delays your dispute rights.

15. Fraud Prevention

We run automated checks on unusual orders purely to protect cardholders. If an order is held for review we contact you within one business day and never simply cancel it silently. These checks are not used to profile learners or to set prices.

16. Contact

Billing questions are answered by a human, usually the same day.
Paragon Learning LLC · 5900 Balcones Drive, Suite 100, Austin, TX 78731, USA
Email contact@paragonlearningll.com · Phone +1 (906) 401-8728