Payment & Refund Policy

Introduction

This Payment & Refund Policy governs the purchase of professional services, digital products and other paid offerings available through chaimtal.com.

By placing an order or making a payment through the website, you agree to this Policy together with the Terms of Use and Privacy Policy.

Services Covered by this Policy

This Policy applies to:

• professional consulting;
• editorial services;
• linguistic and AI evaluation services;
• educational services;
• research services;
• digital publications;
• electronic books;
• downloadable materials;
• other paid services or digital products offered through the website.

Prices

Prices are published on the website or communicated during the ordering process.

Unless otherwise stated:

• prices are shown in the specified currency;
• applicable taxes, where required by law, are included or indicated separately;
• prices may be changed at any time before an order is confirmed.

A confirmed order is not affected by subsequent price changes.

Payment

Payments are processed through secure independent payment service providers.

The website does not collect or store complete payment card information.

Payment is considered completed only after confirmation by the relevant payment provider.

The website reserves the right to decline or cancel an order where payment cannot be verified or where fraudulent activity is reasonably suspected.

Delivery of Services

Professional services are provided within the timeframe agreed with the client.

Where no specific timeframe has been agreed, the client will be informed of the expected delivery schedule after the order has been accepted.

Timeframes may reasonably change where additional information, materials or clarification are required from the client.

Delivery of Digital Products

Digital products are normally delivered electronically.

Delivery may occur through:

• secure download;
• email;
• personal account;
• other electronic delivery methods specified during purchase.

The purchaser is responsible for providing a valid email address and ensuring the ability to receive electronic deliveries.

Cancellation by the Customer

Before work has begun, a customer may request cancellation of an order.

Where work has already commenced, cancellation may be possible only for the unfinished portion of the services.

Any refund will take into account the work already completed and reasonable administrative costs.

Cancellation by the Website

An order may be cancelled where:

• the requested service cannot reasonably be provided;
• necessary information is not supplied by the client;
• payment cannot be confirmed;
• fulfilment would violate applicable law;
• abusive or fraudulent behaviour is reasonably suspected.

Where payment has already been received, an appropriate refund will be made unless otherwise required by law.

Refunds

Refund requests are considered individually.

When determining whether a refund is appropriate, relevant factors may include:

• the type of product or service;
• whether delivery has occurred;
• whether work has already been performed;
• applicable consumer protection legislation;
• technical delivery issues;
• demonstrable defects in the supplied product or service.

Refunds are generally not available for digital products that have been successfully delivered, unless required by applicable law or where the product is demonstrably defective.

Chargebacks

Users are encouraged to contact the website before initiating a payment dispute or chargeback.

The website reserves the right to provide relevant documentation to payment providers in order to resolve disputed transactions.

Taxes

Where required by applicable law, taxes and statutory charges may be added to the purchase price or included within it.

The purchaser is responsible for complying with any local tax obligations applicable to the transaction.

Changes to this Policy

This Policy may be updated to reflect changes in legislation, payment methods, services or business practices.

The latest version is always published on this page.