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Terms & Conditions

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PAYMENTS, CREDITS and REFUND POLICY

Payment through our Platform

Our Platform has been designed for 2 types of Services:
  • Online Courses bought via our Platform /Subscription Plans/, and
  • Offline Courses bought at Persona Business Academy in person.

Payment for OFFLINE courses

All offline courses purchased in person at Persona Business Academy can be managed and paid for via our platform. For each offline course, PBA.am will design a special payment plan that will be billed to your card for every set of 12 classes.

Payment and Billing Terms

  1. Initial Payment: If you attend the first lesson of an offline course and wish to continue with subsequent lessons, you are required to make the first month’s payment before starting the second lesson.
  2. Billing Date: Your offline course plan’s billing date will be the day we charge your card, and this date will apply for every set of 12 classes automatically, unless you cancel your contract with Persona before the Billing Date.
  3. Late Payment: If, on the day of your Billing Date, there are insufficient funds to cover the billing and we fail to charge your card, you will have an additional 7 days to pay the fee. If payment is not made within this period, you will not be allowed to attend the classes, and your contract will be terminated.
  4. Late Payment Fee: If you do not pay your bill within one month after the due date, we may charge a daily fee of 300 Armenian Drams until the payment is made.
  5. Termination and Refunds:  If you have paid the fee but wish to terminate the agreement, the money paid will not be refunded if you have participated in any classes. However, if the course has not yet started, the paid fee can be refunded.

SUBSCRIPTION Pricing

We don't charge fees for navigation on our PBA.am platform, but if you want to have an ACCESS to our COURSES or Post your own Course as a Trainer, we offer different SUBSCRIPTION Plans.
The prices of content on PBA.am are determined based on the terms of the Trainer Terms and our Promotions Policy. In some instances, the price of content offered on the PBA.am website may not be exactly the same as the price offered on our mobile or other applications, due to mobile platform providers' pricing systems and their policies around implementing sales and promotions.
We occasionally run promotions and sales for our content, during which certain content is available at discounted prices for a set period of time. The price applicable to the content will be the price at the time you complete your purchase of the content (at checkout). Any price offered for particular content may also be different when you are logged into your account from the price available to users who aren't registered or logged in, because some of our promotions are available only to new or registered users.
If you are a student located in a country where use and sales tax, goods and services tax, or value added tax is applicable to consumer sales, we are responsible for collecting and remitting that tax to the proper tax authorities. Depending on your location, the price you see may include such taxes, or tax may be added at checkout.
Your SUBSCRIPTION plan billing date is the day we charge your card, and this date will apply for each month automatically, if you don't cancel your Subscription before the Billing Date. If by the Day of your Billing Date you have no enough money for the billing and we fail to charge your Card, we will leave extra 3 days for you to PAY the fee, after which, if we won't succeed of charging your Card again, the Subscription will be AUTOMATICALLY CANCELED.

Free Plan: Our Free Plan does not involve any charge. Users have access to specific features without incurring any costs. There is no trial period for the Free Plan, and users can enjoy the benefits associated with it without any automatic billing.

Standard and Pro Plans: For both Standard and Pro Plans, there is no trial period. When you choose one of these plans, billing begins immediately based on the selected subscription term. The start date for further charges will be the day after the initial payment. If we are unable to successfully charge your card on the billing date, the subscription will not be activated.

Payment and Cancellation Policy:

  • Payment Failure: If we do not receive payment by the billing date, we will attempt to process the payment again. If the payment is not received within 3 days of the billing date, your subscription plan will be automatically canceled.
  • Subscription Cancellation: You may cancel your subscription at any time. Upon cancellation, you will continue to have access to the Platform and its courses until the end of your current billing period. Access will cease after the billing date if no further payment is made.
For detailed information about subscription terms, please refer to point 3 in the Terms of Use regarding the Subscription section.

Payments

You agree to pay the fees for content that you purchase, and you authorize us to charge your debit or credit card or process other means of payment (such as Visa, MasterCard, American Exrpress and Arca Armenian cart ) for those fees. PBA.am works with payment service providers to offer you the most convenient payment methods and to keep your payment information secure. We may update your payment methods using information provided by our payment service providers. Check out our Privacy Policy for more details. When you make a purchase, you agree not to use an invalid or unauthorized payment method. If your payment method fails and you still get access to the content you are enrolling in, you agree to pay us the corresponding fees within 30 days of notification from us. We reserve the right to disable access to any content for which we have not received adequate payment.

Refunds and Refund Credits

If the content you purchased is not what you were expecting, we have a GUARANTEE 3-days Period, during which days, you can request, within 7 days of your purchase of the content, that PBA.am apply a refund to your Card or Account Credit. This refund option does not apply to Subscription Plan purchases with short period time less than 1 month. We reserve the right to apply your refund as a refund credit or a refund to your original payment method, at our discretion, depending on capabilities of our payment service providers, the platform from which you purchased your content (website, mobile or TV app), and other factors. No refund is due to you if you request it after the 3-day guarantee time limit has passed. However, if the content you previously purchased is disabled for legal or policy reasons, you are entitled to a refund beyond this 3-day limit. PBA.am also reserves the right to refund students beyond the 7-day limit in cases of suspected or confirmed account fraud. The amount of money to be refunded will be calculated based on the days already used and the price for each day till the day when the person cancels the subscription, and the price for already used days will be deducted from the total price of Subscription Plan. The total Refund will be made for the days after Cancellation Date.
To request a refund, you should CANCEL your SUBSCRIPTION during 3-days Guarantee Period. As detailed in the Trainer Terms, trainers agree that students have the right to receive these refunds.
If we decide to issue refund credits to your account, they will be automatically applied towards your next content purchase on our website or mobile app.
At our discretion, if we believe you are abusing our refund policy, such as if you've consumed a significant portion of the content that you want to refund or if you've previously refunded the content, we reserve the right to deny your refund, restrict you from other future refunds, ban your account, and/or restrict all future use of the Services. If we ban your account or disable your access to the content due to your violation of these Terms or our Policies, you will not be eligible to receive a refund.

Gift and Promotional Codes

PBA.am or our partners may offer gift and promotional codes to students. Certain codes may be redeemed for gift or promotional credits applied to your PBA.am account, which then may be used to purchase eligible content on our platform, subject to the terms included with your codes. Other codes may be directly redeemable for specific content. These codes and credits, as well as any promotional value linked to them, may expire if not used within the period specified in your PBA.am account. Gift and promotional codes offered by Persona may not be refunded for cash, unless otherwise specified in the terms included with your codes or as required by applicable law. Gift and promotional codes offered by a partner are subject to that partner's refund policies. If you have multiple saved credit amounts, Persona may determine which of your credits to apply to your purchase.

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