1. Plans and currencies
Access is sold in three tiers — Essential, Professional and Executive — for either corporate or individual audiences. You choose the payment rail explicitly at checkout: Naira, US dollars, or crypto. We never infer it from your location. The price shown at checkout, in the currency you selected, is the payable amount.
2. How you can pay
- Online card and bank payment through Paystack (Naira and US dollars) and Stripe (US dollars).
- Crypto settlement through Ivory Pay.
- Corporate seat purchases and promotional or partner codes, redeemed in the platform.
- Enterprise invoicing on request for multi-seat corporate orders: quotation, purchase order, then invoice payable within thirty days of issue. Seats activate once cleared payment or an approved purchase order is received.
3. Access periods and renewal
Each plan grants access for a stated period. Corporate seat codes run for sixty days from redemption unless the order says otherwise. We send renewal reminders before expiry, and the Dashboard and Settings show your remaining window.
Where a plan is set to renew automatically, we tell you the renewal date and amount in advance and charge the payment method on file. You can turn off automatic renewal at any time before that date, and access continues to the end of the period already paid for.
4. Seat upgrades, downgrades and reassignment
- Adding seats mid-term is charged pro rata for the remaining days of the current period.
- Upgrading a tier mid-term is charged as the difference between tiers for the remaining days, and takes effect immediately.
- Downgrades and seat reductions take effect at the next renewal, not mid-term, and do not generate a refund for the current period.
- A seat may be reassigned to a replacement employee at no cost; the departing user's progress record stays with the organisation's reporting.
5. Cancellation
You may cancel at any time by writing to us or turning off renewal in Settings. Cancellation stops future charges. It does not shorten or refund the current period, and access remains available until that period ends.
6. Refunds
- Individual purchases: a full refund is available within three days of purchase provided no more than two module stages have been completed and no certificate has been issued.
- Corporate and enterprise accounts: fees are non-refundable once seats are activated. Where activation has not happened, unused seats may be refunded less any transaction fees already incurred.
- Promotional passes, partner codes, bonus credits and Luck Promo bonuses have no cash value and are non-refundable.
- Crypto payments are refunded in the same asset where the provider supports it; network and conversion differences are not compensated.
- Duplicate or clearly erroneous charges are refunded in full as soon as we can verify them.
Approved refunds are returned to the original payment method, normally within ten business days of approval. Nothing here removes rights you have under mandatory consumer law.
7. Failed payments and taxes
If a payment fails we retry and notify you; access may be suspended until the balance clears. Prices exclude any withholding tax, VAT or local levy unless stated; where deduction at source is required by law you gross up the payment so we receive the invoiced amount.
8. Chargebacks
Please raise a billing concern with us first. Chargebacks filed without contacting us may lead to immediate suspension while the dispute is investigated.
9. Contact
Write to petrazim.solutions@gmail.com for anything in this document. We answer during Nigerian business hours, Monday to Friday.