Payment Terms
Last Updated: July 6, 2025
These Payment Terms govern all financial transactions between Cyrthex ("we," "us," "our") and users ("you," "your") of our comedy writing educational platform. By enrolling in our courses or purchasing our services, you agree to these terms.
1. Accepted Payment Methods
We accept the following payment methods for course enrollment and services:
- Credit cards (Visa, MasterCard, American Express, Discover)
- Debit cards
- PayPal
- Bank transfers (for enterprise plans)
- Other electronic payment methods as displayed at checkout
All payments are processed through secure, encrypted third-party payment processors. We do not store your complete payment card details on our servers.
2. Pricing and Fees
2.1 Course Pricing
Course prices are displayed in the currency selected at checkout. Prices include all applicable fees unless otherwise stated. We reserve the right to modify course pricing at any time, but price changes will not affect enrollments already purchased.
2.2 Subscription Plans
Subscription-based access is billed on a recurring basis according to the plan selected:
- Monthly Plans: Billed every 30 days from enrollment date
- Quarterly Plans: Billed every 90 days from enrollment date
- Annual Plans: Billed every 365 days from enrollment date
2.3 Currency and Conversion
Prices are listed in multiple currencies for your convenience. Your payment processor may apply currency conversion fees. The final amount charged depends on your payment method and location.
2.4 Taxes
Prices displayed may exclude applicable taxes, including VAT, GST, or sales tax. Taxes are calculated at checkout based on your billing address and added to your total.
3. Payment Processing
3.1 Authorization and Charges
By providing payment information, you authorize us to charge the applicable fees to your selected payment method. Charges occur immediately for one-time purchases and on the billing cycle date for subscriptions.
3.2 Payment Verification
We may verify payment information before processing enrollment. Verification may include:
- Card authorization holds
- Identity verification requests
- Address confirmation
- Additional documentation for high-value transactions
3.3 Failed Payments
If a payment fails due to insufficient funds, expired cards, or other reasons:
- We will attempt to process payment again within 3-5 business days
- You will receive notification of the failed payment
- Access to subscription content may be suspended until payment is successful
- Your subscription may be cancelled after multiple failed payment attempts
4. Billing Cycles and Renewal
4.1 Automatic Renewal
Subscription plans automatically renew at the end of each billing cycle unless cancelled before the renewal date. You will be charged the then-current subscription price.
4.2 Renewal Notifications
We will send reminder notifications before subscription renewal. Notifications are sent to your registered email address at least 7 days before the renewal date.
4.3 Price Changes for Renewals
If subscription prices increase, we will notify you at least 30 days before the new price takes effect. Continued use after notification constitutes acceptance of the new pricing.
5. Refunds and Cancellations
5.1 Refund Policy
Refund eligibility depends on the type of purchase:
| Purchase Type | Refund Period | Conditions |
|---|---|---|
| Individual Courses | 14 days | Less than 20% content accessed |
| Monthly Subscriptions | 7 days | First billing cycle only |
| Annual Subscriptions | 30 days | First billing cycle only |
| Bundle Purchases | 14 days | No course completed |
5.2 Refund Processing
Approved refunds are processed within 7-10 business days to the original payment method. Refund processing time varies by payment provider and may take up to 30 days to appear on your statement.
5.3 Non-Refundable Items
The following are not eligible for refunds:
- Completed courses or certifications
- Downloadable materials already accessed
- Live sessions attended
- Services marked as "non-refundable" at purchase
- Promotional or discounted purchases (unless required by law)
5.4 Subscription Cancellations
You may cancel subscriptions at any time through your account settings. Cancellations take effect at the end of the current billing cycle. No partial refunds are provided for unused subscription time unless otherwise specified.
6. Promotional Codes and Discounts
6.1 Coupon Usage
Promotional codes and coupons:
- Must be applied at checkout before payment
- Cannot be combined unless explicitly stated
- Have specific expiration dates and terms
- Are non-transferable and non-redeemable for cash
- May have minimum purchase requirements
6.2 Discount Limitations
We reserve the right to:
- Limit discount usage per customer
- Modify or cancel promotional offers at any time
- Void discounts obtained through unauthorized means
- Exclude certain courses or services from promotions
7. Payment Plan Options
7.1 Installment Plans
Select courses may offer payment plans with installment options. Installment terms include:
- Fixed number of payments over specified period
- All installments must be paid for continued access
- Missed installments may result in access suspension
- Full payment required before certificate issuance
7.2 Payment Plan Default
If you default on a payment plan:
- Course access will be suspended after one missed payment
- Account may be referred to collections after 60 days
- Outstanding balance remains due in full
- Additional fees may apply
8. Enterprise and Group Billing
8.1 Corporate Accounts
Organizations purchasing multiple licenses may receive invoiced billing with NET-30 payment terms. Custom payment arrangements are available for qualifying enterprise customers.
8.2 Group Purchase Terms
Group purchases require:
- Minimum number of licenses as specified
- Single payment for all licenses
- Designated administrator for license management
- Compliance with our Terms of Service
9. Account Credit and Balance
9.1 Account Credits
Refunds or compensation may be issued as account credits. Account credits:
- Are applied automatically to future purchases
- Cannot be transferred or exchanged for cash
- Expire 12 months from issuance date
- Are non-refundable
9.2 Negative Balances
Negative account balances due to chargebacks, failed payments, or refund errors must be resolved before accessing new content or services.
10. Chargebacks and Disputes
10.1 Dispute Resolution
Before initiating a chargeback, please contact our support team at info@cyrthex.com. Most payment disputes can be resolved quickly through direct communication.
10.2 Chargeback Consequences
Initiating a chargeback may result in:
- Immediate suspension of account access
- Termination of subscription services
- Account closure for fraudulent chargebacks
- Legal action to recover owed amounts plus fees
10.3 Disputed Charges
We will provide documentation to your payment processor for disputed charges, including transaction records, access logs, and terms acceptance evidence.
11. Payment Security
11.1 Data Protection
We implement industry-standard security measures including:
- SSL/TLS encryption for all transactions
- PCI DSS compliance for card processing
- Tokenization of payment information
- Regular security audits and monitoring
11.2 Fraud Prevention
We employ fraud detection systems to protect both users and our platform. Suspicious transactions may be flagged for manual review, delayed, or declined.
12. Late Payments and Collections
For invoiced accounts or payment plans:
- Payments are due within the specified period
- Late fees may apply after the due date
- Accounts overdue by 30 days may be suspended
- Unpaid balances may be referred to collections agencies
- You are responsible for collection costs and legal fees
13. Currency Fluctuations
For non-primary currency transactions, exchange rates are determined at the time of processing. We are not responsible for currency fluctuations between purchase and billing dates for recurring subscriptions.
14. Third-Party Payment Processors
Our payment processors operate under their own terms and privacy policies. By making a payment, you also agree to the terms of our payment processor partners. We are not liable for payment processor errors, delays, or service interruptions.
15. Changes to Payment Terms
We may modify these Payment Terms at any time. Material changes will be communicated via:
- Email notification to registered users
- Prominent notice on our website
- In-app notifications
Continued use of our services after changes constitutes acceptance of revised terms. For active subscriptions, you will have the option to cancel before new terms apply.
16. Contact Information
For payment-related questions, billing support, or refund requests, contact us:
Email: info@cyrthex.com
Phone: +380731000860
Address: Hrushevs'koho St, 44, Vinnytsia, Vinnytsia Oblast, Ukraine, 21000
Support Hours: We respond to payment inquiries within 24-48 hours during business days.
These Payment Terms are effective as of the last updated date and apply to all transactions processed through the Cyrthex platform.