Payments, Refunds, Cancellations and Chargebacks Policy

1. Payments

Payments are processed by Paystack on Paystack's own secure pages. Nonofo does not see or store your card details, and has no wallet, store credit or stored balance. Prices are shown in naira for buyers in Nigeria and in US dollars elsewhere.

2. Before you pay

At checkout we show you the total price, including any fees and VAT where applicable, the refund rules below, and where to send a complaint. Your enrolment is confirmed only after Paystack confirms a successful payment.

3. Receipts and invoices

After payment we email you a receipt that repeats the refund terms you accepted. Receipts and invoices show Nonofo Technologies Limited, RC 9905828, our registered office, support@nonofo.com, the item bought, and a VAT line where applicable. Where a course is sold by a tutor, the receipt shows the course price and Nonofo's platform fee separately.

4. Refunds for recorded courses and materials

• Within 24 hours of purchase, if you have not opened or accessed any paid lesson or downloaded any paid material: you can ask for a full refund.
• Once you open a paid lesson or download paid material, the purchase is deemed accessed and non-refundable. Free preview content does not count.
• Duplicate charges: if you were charged twice for the same item, tell us within 48 hours and we will refund the duplicate.
• Platform faults: if a fault on our side stops you accessing what you bought and we cannot fix it within 3 working days, you can have a refund.
• Some tutors offer a more generous refund. If so, it is shown on the course page before you buy.

5. Live sessions and live classes

• If you cancel 24 hours or more before the start, we will move you to another time.
• If you cancel less than 24 hours before, or do not attend, the session counts as used.
• There is no refund after you have attended a session.
• If the tutor cancels or does not attend, we will offer you a new time within 14 days. If the tutor cannot deliver within 14 days, or does not attend twice, you get a full refund.
• If a group class is cancelled, your seat moves to the next session.
• Live classes may be recorded. You will be told before a recording starts.
• Where a live programme offers a certificate, you need to attend at least 70% of it.

6. How refunds are paid

Refunds go back to your original payment method through Paystack. Your bank or card provider decides how long it takes to reach you. A refunded purchase ends access to the course or item and any certificate linked to it.

7. Buyers in the EU and UK

Normally you have 14 days to cancel a digital purchase. At checkout we ask you to tick a separate box: "I expressly consent to immediate access to this digital content and I acknowledge that I will lose my 14-day right to cancel once I open a paid lesson or download paid material." If you do not tick it, you cannot buy immediate access. We confirm this in the receipt we email you.

8. Your legal rights

This policy does not affect any rights you have under the consumer protection law of your country, including the Federal Competition and Consumer Protection Act 2018 in Nigeria.

9. Please contact us before your bank

If something is wrong, contact us first at support@nonofo.com. We aim to resolve access problems and duplicate charges within 24 hours. Raising a chargeback with your bank for a purchase you received may lead us to pause access to the item while the dispute is open.

10. Chargebacks

If a chargeback is raised, we send the payment provider the evidence we hold: the purchase record, your checkout acceptance (time and policy version), the lessons opened, and attendance for live sessions. If the chargeback is decided against us for an item you received, we may remove your access to that item and its certificate. We close accounts only for repeated or clearly fraudulent disputes.

11. Records we keep

For each purchase we record the time, the policy version you accepted and the Paystack reference. Purchase records are kept for 6 years; dispute evidence for 7 years after the dispute is resolved.

12. Tutor payouts

Where a tutor sells a course, the tutor's share is paid through the tutor's own verified Paystack subaccount. Nonofo does not hold tutors' money. Details are in the Instructor Policy when tutor sales open.