Payment Policy

1. Currency and taxes

All prices are quoted and charged in United States dollars. Prices exclude any sales tax, value-added tax, withholding tax or duty that may apply where you are located; where such a tax is chargeable it is added at checkout or on the invoice. Any currency conversion fee, international transaction fee or bank charge levied by your own bank or card issuer is your responsibility and is not something we can waive or recover for you.

2. Published rates

Our standard rates are:

• Online Study Support — $35 per 60-minute session.
• Virtual Tutoring Support — $40 per 60-minute session.
• Remote Skill-Development Sessions — $45 per 60-minute session.
• Digital Learning Materials — from $69 per set.
• Academic Planning Assistance — from $79 per plan.
• Educational Content Creation — from $149 per project.

Session rates are fixed. There is no subscription, no enrolment fee, no registration charge and no minimum number of sessions you must buy in advance.

3. What "from" means

Where a price is shown as "from", it is a starting point, not the price you will pay. The final figure for written work depends on the subject, the academic level, the length of the material, the complexity of the content, how much source research is required and the deadline. A revision-pack set for one module is not the same job as a full semester of structured notes, and it should not carry the same price.

We do not leave that open-ended. Before you pay anything, you receive a written scope stating exactly what will be produced and exactly what it costs. If you do not accept that figure, nothing is charged and nothing begins.

4. When payment is due

• Live sessions — payable in advance. A session is confirmed in the calendar once it is paid.
• Digital Learning Materials and Academic Planning Assistance — payable in full in advance, unless the accepted scope says otherwise.
• Educational Content Creation projects — normally a deposit before work begins and the balance on delivery, with the exact split stated in the scope. Larger projects may be invoiced against milestones.

We do not begin work before the relevant payment has cleared. This is not a matter of distrust; it is what keeps the rates as low as they are.

5. How payments are taken

Payments are processed by a third-party payment provider. Junetra Study does not see, handle or store your full card number, expiry date or security code at any point. What we receive back from the processor is confirmation that the payment succeeded or failed, the amount, the date, the last four digits of the card and the billing name. That is the entirety of the payment data we hold, and it is described further in our Privacy Policy.

Do not send card details to us by email, in a form field or during a session. If you do, we will not use them, and we will ask you to cancel the card.

6. Invoices and receipts

Every payment produces a receipt sent to the email address on the order. Where an invoice is needed for an employer, an institution or a reimbursement claim, tell us before payment and we will issue one with the details you require. We keep invoices and payment records for at least seven years because tax and accounting rules require it.

7. Failed and declined payments

If a payment is declined, the order is not confirmed and no session is reserved. Common causes are an expired card, an incorrect billing address, insufficient funds or a bank's fraud check. We will tell you the payment failed; we will not be told why, because the processor does not disclose that to us. Retry with a different method or contact your bank.

8. Late payment on invoiced work

Where work has been invoiced rather than prepaid — typically the balance on a project — payment is due within fourteen days of the invoice date unless the scope says otherwise. If an invoice is not paid on time, we send a written reminder. If it remains unpaid seven days after that reminder, we may pause work, withhold undelivered files and decline to schedule further sessions until the account is settled. We do not charge interest on late payment by individual learners.

9. Price changes

We may change our published rates. A change never applies retrospectively: the price that governs your engagement is the price stated in the scope you accepted. If a rate rises between one engagement and the next, the new rate applies only to the new order, and you will see it before you commit.

10. Third-party fees are not ours

We charge for the service. We do not add a booking fee, a processing surcharge or an administrative charge on top. If a fee appears on your statement that is not the amount stated on your receipt, it comes from your bank or card network, and you should raise it with them.

11. Refunds

When a refund is available, how much it is, how to request one and how long it takes are all set out in the Refund and Cancellation Policy, which is linked from the footer of every page. Approved refunds are always returned to the original payment method.

12. Chargebacks

If you think a charge is incorrect, contact us before contacting your bank. Most disputes are a misread receipt or a duplicate authorisation hold, and we can resolve them in a day. Where a chargeback is filed against an engagement we properly performed, we will provide the accepted scope, the delivery record and the correspondence to the card network, and we may suspend further services until the dispute is closed.

13. Fraud prevention

We may decline or reverse an order where a payment appears fraudulent, where the billing name does not correspond to the person receiving the service and no explanation is given, or where the payment processor flags the transaction. Where we decline an order for this reason, any amount taken is returned in full.

14. Your statutory rights

Nothing in this policy limits any right you have under the consumer protection or payment services law that applies to you. Where that law gives you a stronger right, it prevails.

15. Changes to this policy

We may update this policy. The version that applies to your engagement is the version in force when you accepted the scope. The date at the top of this page shows when the current version took effect.

16. Contact

Billing questions, invoice requests and payment problems should be sent to the details below, which are provided as plain text.