Skarnovek
Skarnovek
Accessible coaching education across Ukraine

Payment Terms

Last Updated: April 3, 2025

Accepted Payment Methods

We accept the following payment methods for our services:

  • Credit cards (Visa, MasterCard, American Express)
  • Debit cards
  • PayPal
  • Bank transfers
  • Other electronic payment methods as displayed at checkout

Pricing and Fees

All prices are displayed in the currency specified at the time of purchase. Prices are subject to change without notice, but changes will not affect orders already placed.

The total price displayed at checkout includes all applicable fees. Additional charges such as taxes or payment processing fees will be clearly itemized before you complete your purchase.

Billing Cycles

For subscription-based services, billing occurs according to the plan you select:

  • Monthly subscriptions: Billed on the same day each month
  • Annual subscriptions: Billed once per year on the anniversary of your purchase date
  • Other billing periods: As specified in your service agreement

You will receive a receipt via email for each billing transaction.

Payment Authorization

By providing payment information, you authorize us to charge the specified payment method for all fees associated with your account. You represent and warrant that you have the legal right to use the payment method provided.

For recurring subscriptions, you authorize us to store your payment information and automatically charge your payment method at each billing cycle until you cancel your subscription.

Failed Payments

If a payment fails due to insufficient funds, expired card details, or other reasons:

  • We will attempt to notify you via email
  • We may retry the charge up to three times over a period of several days
  • Your access to services may be suspended until payment is successfully processed
  • Your account may be terminated if payment issues remain unresolved for an extended period

It is your responsibility to maintain current and valid payment information in your account settings.

Refund Policy

Refund eligibility depends on the type of service purchased:

Subscription Services

Subscription fees are generally non-refundable. If you cancel your subscription, you will retain access to the service until the end of your current billing period, but no refund will be issued for the remaining time.

One-Time Purchases

Requests for refunds on one-time purchases must be submitted within 14 days of the purchase date. Refunds are issued at our discretion and may be denied if you have accessed or consumed a significant portion of the content or service.

Refund Processing

Approved refunds will be processed within 10 business days and credited to the original payment method. Depending on your payment provider, it may take additional time for the refund to appear in your account.

Cancellation

You may cancel your subscription at any time through your account settings or by contacting our support team. Cancellation takes effect at the end of your current billing period.

No partial refunds are provided for unused time within a billing period. Once canceled, your subscription will not renew, and you will not be charged again.

Price Changes

We reserve the right to modify our pricing at any time. For subscription services:

  • We will provide at least 30 days advance notice of price increases
  • Notice will be sent to the email address associated with your account
  • The new pricing will apply starting with your next billing cycle after the notice period
  • You may cancel your subscription before the new pricing takes effect

Taxes

You are responsible for all applicable taxes associated with your purchase. We will collect and remit taxes as required by law. The tax amount will be calculated and displayed at checkout based on your billing information.

Currency Conversion

If your payment method uses a different currency than our pricing, your payment provider will convert the amount. Conversion rates and any associated fees are determined by your payment provider, not by us.

Payment Security

We use industry-standard security measures to protect your payment information. We do not store complete credit card numbers on our servers. Payment processing is handled by trusted third-party payment processors that comply with applicable payment card industry standards.

Disputed Charges

If you believe you have been incorrectly charged, please contact us immediately at info@skarnovek.com. We will investigate the issue and work with you to resolve it.

If you initiate a chargeback or payment dispute through your payment provider without first contacting us, we reserve the right to suspend or terminate your account and access to services.

Late Payments

For invoice-based billing arrangements, payment is due within the period specified on the invoice, typically 30 days from the invoice date. Late payments may result in:

  • Suspension of service access
  • Late payment fees as specified in your service agreement
  • Termination of services for continued non-payment

Account Termination

We reserve the right to suspend or terminate your account and access to services if:

  • Payment is not received when due
  • Your payment method is declined repeatedly
  • You initiate chargebacks or payment disputes in bad faith
  • You violate these payment terms or our general terms of service

Contact Information

For questions regarding billing, payments, or these payment terms, please contact us:

Email: info@skarnovek.com
Phone: +380362430782

Changes to Payment Terms

We may update these payment terms from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. Continued use of our services after changes are posted constitutes acceptance of the updated terms.