Payment and Billing Policy

1. Currency and Displayed Prices

Unless checkout states otherwise, prices are displayed and charged in United States dollars. Product pages may show a one-time course price, per-lesson price, per-project price, pattern-set price, or recurring membership price. A displayed “from” price means the final amount depends on the selected offer or option.

The price presented at the final checkout step controls the order, subject to correction of an obvious technical or typographical error. Prices can change for future purchases without changing an already completed transaction.

2. Payment Methods and Authorization

Available payment methods are shown at checkout and may be provided by Shopify, card networks, wallets, banks, or other payment services. By submitting payment information, you represent that you are authorized to use the method and authorize the applicable provider and IDEMICOGOLDY to charge the total shown, including taxes and accepted recurring charges.

Payment providers may conduct verification, fraud screening, strong customer authentication, or temporary authorization holds. A bank can decline a payment or place a temporary hold even when funds appear available.

3. Order Confirmation

An order is complete when payment is authorized and an order confirmation or access notice is issued. A pending card authorization is not by itself proof that an order was accepted. If a payment is captured but access is not delivered, contact support with the purchaser name, checkout email, approximate time, amount, and order reference if available.

4. Taxes

Applicable sales, use, digital-services, value-added, goods-and-services, or similar taxes may be calculated from the billing address, location, product classification, and legal requirements. Tax treatment can change. Customers are responsible for taxes, duties, reporting, or self-assessment obligations not collected at checkout.

A tax exemption will be applied only where the platform supports it and valid documentation is provided and approved before or as required for the transaction.

5. Recurring Membership Billing

A recurring membership renews automatically at the interval and price disclosed at checkout until canceled. By subscribing, you authorize recurring charges to the payment method on file. The renewal date is generally based on the original subscription date, subject to payment-provider processing times and calendar differences.

If the renewal price changes, we will provide advance notice where required and an opportunity to cancel before the new price applies. Taxes can change without being considered a base-price increase.

6. Trials and Promotional Periods

If a free or discounted trial is offered, the offer will state its length, eligibility, renewal price, and cancellation timing. Unless canceled before the stated conversion time, the subscription will charge the disclosed recurring amount. Creating multiple accounts, using false information, or otherwise attempting to obtain repeated introductory benefits can result in cancellation or adjustment.

7. Discounts, Coupons, and Credits

Promotional codes and account credits are subject to their stated terms, expiration, eligible products, minimum purchase, and usage limits. Unless expressly permitted, promotions cannot be combined, exchanged for cash, transferred, retroactively applied, or used after expiration. A discount affects the amount refunded because a refund cannot exceed the amount actually paid for the affected item.

If a promotion was issued because of misuse, error, or unauthorized distribution, it may be canceled before order acceptance.

8. Failed and Past-Due Payments

If a recurring payment fails, the provider may retry the charge and we may ask you to update payment information. Membership features may be limited or suspended while an amount is past due. Access can be restored after successful payment, but a suspension does not necessarily move the billing date or extend the period unless we expressly agree.

We do not charge a separate late fee unless disclosed and legally permitted. Your bank or payment provider may impose its own fees.

9. Cancellation of Recurring Billing

You may cancel a membership through the account controls made available on the website or by contacting support with sufficient account information. Cancellation must be completed before the renewal is processed to prevent the next charge. Deleting an app, closing a browser, unsubscribing from marketing, or simply not using the membership does not cancel billing.

After cancellation, access generally continues through the end of the paid billing period unless a refund, charge reversal, breach, or product term requires earlier termination.

10. Invoices and Receipts

Electronic receipts are sent to the checkout email or stored in the customer account where supported. Customers are responsible for providing an accurate billing name, email, and address. We may be unable to reissue a tax document with materially different information after the transaction if law or platform restrictions prevent it.

11. Chargebacks and Payment Disputes

Contact support before initiating a chargeback so we can investigate access, duplicate billing, fraud, or cancellation concerns. A chargeback is not a substitute for the stated refund process. We may provide the payment provider with order confirmation, access logs, download records, communications, and policy acceptance to respond to a dispute.

Access associated with a disputed or reversed payment may be suspended while the dispute is pending. Fraudulent or abusive disputes can lead to account termination, subject to applicable law.

12. Billing Errors

Report a suspected duplicate charge, incorrect amount, unauthorized purchase, or subscription cancellation problem promptly. Include the purchaser name, checkout email, date, amount, and last four digits or provider reference where safe and applicable. Do not send a full card number, security code, password, or government identification unless a secure verification process specifically requires it.

When an error is confirmed, we will correct it through refund, void, credit, or another appropriate method. Processing time after issuance depends on the payment provider and financial institution.

13. Refund Relationship

Eligibility for a return of funds is governed by the Cancellation and Refund Policy and any mandatory consumer law. A canceled subscription stops future renewals but does not automatically refund a completed billing period. Access issues should be reported promptly so we can restore delivery or evaluate an appropriate remedy.