Payment Methods Policy

1. Purpose
The purpose of this policy is to outline the terms and conditions for payments made to Ology Pty Ltd (“Ology,” “we,” “our,” or “us”) for consulting services, physical products, and digital products. This policy ensures compliance with Australian Consumer Law (ACL) and transparency for our customers.

2. Scope
This policy applies to all payments made through;

• The Ology Pty Ltd website for e0commerce transactions.
• Agreements for consulting services.
• Digital product purchases, including online courses hosted on third-party platforms like Thinkific.

3. Definitions

• Products: Physical and digital goods sold by Ology Pty Ltd, including mindfulness cards and online courses.
• Services: Consulting, educational, and support services provided by Ology Pty Ltd.
• Payment Methods: Approved ways to complete a transaction, including credit/debit cards, PayPal, and other third-party payment processors.

4. Payment Methods
4.1 Accepted Payment Methods
We accept the following payment methods:

• Credit and debit cards (Visa, Mastercard, AMEX).
• PayPal.
• Other third-party payment processors (as available).
  4.2 Currency
  All payments must be made in Australian Dollars (AUD) unless otherwise specified.

5. Payment Terms
5.1 Products
Physical and digital products must be paid in full at the time of purchase. Orders will not be processed until payment has been received and confirmed.
5.2 Consulting Services
The individual agreement signed between Ology Pty Ltd and the client will outline payment terms for consulting services. Payment may be required upfront, in instalments, or upon completion of services, depending on the agreement.

6. Security of Payments
6.1 Third-Party Payment Processors
Payments are processed securely via trusted third-party providers such as PayPal or Stripe. Ology Pty Ltd does not store sensitive payment details (e.g., credit card numbers).
6.2 Secure Transactions
We implement industry-standard encryption and security protocols to ensure payment information is handled safely and securely.

7. Refunds and Disputes
7.1 Refund Eligibility
Refunds are subject to the terms outlined in our Refund and Returns Policy. In summary:

• Physical products may be eligible for a refund or exchange if they are defective or damaged during shipping, in accordance with ACL.
• Digital products and online courses are non-refundable, as outlined during purchase.

7.2 Disputes
If you experience a payment-related issue, please contact us at [Insert Email Address] within 7 days of the transaction. Disputes may also be raised directly with your payment provider.

8. Late or Failed Payments
8.1 Consulting Services

• Late payments may incur penalties or interest, as the consulting agreement specifies.
• Persistent non-payment may result in termination of services.

8.2 Failed Payments
If a payment fails due to insufficient funds, incorrect details, or other issues, the order will not be processed until the issue is resolved. Additional bank or payment provider fees may apply.

9. Taxes and Fees
All product prices listed on the Ology Pty Ltd website include applicable Goods and Services Tax (GST) unless otherwise specified.
Customers are responsible for any additional bank or payment provider fees related to their transactions.

10. Compliance with Australian Consumer Law
Ology Pty Ltd complies with Australian Consumer Law (ACL) to ensure fairness and transparency in all payment transactions. Customers are entitled to remedies, including refunds, replacements, or repairs, for products that fail to meet ACL guarantees.

11. Changes to This Policy
Ology Pty Ltd reserves the right to update or modify this Payment Policy at any time. Changes will be posted on our website, and continued use of our services constitutes acceptance of the updated policy.

12. Governing Law
This policy is governed by the laws of New South Wales, Australia, including applicable federal legislation such as:

• Australian Consumer Law (Competition and Consumer Act 2010 (Cth)).
• Electronic Transactions Act 2000 (NSW).