This Payment & Billing Policy is issued by ZenX Academy as the institutional provider of digital access services.

Payments for services offered by ZenX Academy are processed by Paddle or Polar, which may operate as independent payment processors or merchants of record. They function under their own regulatory obligations and financial compliance frameworks.

This policy governs all matters related to:

• Payments
• Billing
• Pricing and currency display
• Invoicing
• Subscription charges
• One-time digital purchases

It applies to all users, subscribers, and purchasers engaging with ZenX Academy's digital systems.

The policy is drafted primarily within the framework of EU electronic commerce and consumer protection regulations and applies globally to the extent permitted by mandatory local law.

This document establishes the institutional rules governing financial transactions within ZenX Academy. It defines the principles, responsibilities, and conditions applicable to payment handling, billing cycles, currency considerations, and dispute processes. It forms part of the institution's governance framework and must be interpreted consistently with other policies.

Definitions are included only where necessary:

• Digital Services: Access-based services or content provided electronically by ZenX Academy.
• Subscription: Recurring access subject to periodic billing.
• One-Time Purchase: Non-recurring charge for digital content or access.
• Payment Processor: Paddle or Polar, acting independently as processors or merchants of record.

ZenX Academy provides chargeable digital services, including subscriptions and digital content access. Charges occur when users purchase or renew access. Access may begin immediately upon successful payment.

Pricing is displayed prior to purchase and reflects:

• Base price of the digital service
• Applicable taxes (including VAT where relevant)
• Currency in which the charge will occur

Displayed prices may be adjusted according to regional VAT obligations or payment processor requirements.

ZenX Academy operates in cooperation with Paddle and Polar, which calculate and apply:

• VAT
• Sales taxes
• Digital services taxes
• Regional consumer taxes

Currency availability is determined by the payment processor. Any exchange rate differences or bank-imposed fees are outside ZenX Academy's responsibility.

Accepted payment methods include those supported by Paddle and Polar, which may include:

• Credit and debit cards
• Digital wallets
• Bank-based payment methods

Availability varies by region and payment processor.

Paddle and Polar may act as:

• Independent payment processors
• Merchants of record

Their responsibilities include:

• Payment collection
• Tax calculation and remittance
• Fraud screening
• Invoicing
• Compliance with financial regulations

ZenX Academy does not store or process sensitive payment details.

Subscriptions renew automatically at the end of each billing cycle unless cancelled in accordance with the applicable cancellation policy.

Charges are applied using the payment method on file with the payment processor.

Failure to renew due to payment issues may result in suspension of access.

Invoices and payment confirmations are issued directly by Paddle or Polar.

ZenX Academy does not alter or reissue invoices generated by these processors.

In the event of a failed payment:

• The payment processor may retry the charge
• Access to digital services may be suspended until payment is successfully completed
• The user remains responsible for resolving payment issues with the processor or financial institution

Repeated failures may result in access termination.

Chargebacks and disputes are handled by the payment processors in accordance with:

• Card network rules
• Regulatory requirements
• Anti-fraud procedures

ZenX Academy may suspend or terminate access in the event of chargebacks, unresolved disputes, or suspected misuse.

If billing errors occur, corrections are processed through Paddle or Polar.

ZenX Academy may request verification or documentation necessary for resolving a discrepancy but does not override processor decisions.

Payment processors implement monitoring for suspected fraud or unauthorized transactions.

ZenX Academy may restrict access or suspend accounts in response to fraud indicators or processor alerts.

ZenX Academy may suspend, restrict, or terminate access to digital services when:

• Payments are not successfully completed
• Chargebacks are filed
• Fraud or misuse is detected
• Billing disputes remain unresolved

Access may be restored upon confirmation of valid payment.

This policy forms part of ZenX Academy's institutional governance system.

Interpretation aligns with:

• EU eCommerce regulatory requirements
• Tax compliance obligations
• Payment processor operational standards
• The institutional hierarchy defined in the ZenX Academy Policies Page

In case of conflict, interpretations consistent with legal compliance prevail.

ZenX Academy may amend this policy to reflect:

• Regulatory developments
• Adjustments required by Paddle or Polar
• Institutional updates
• Changes to pricing or billing structures

Revised versions take effect upon publication.

All billing-related inquiries must be directed to:

This Payment & Billing Policy constitutes an authoritative institutional financial-governance document. It governs all financial interactions within ZenX Academy and must be interpreted in accordance with applicable EU law and the institutional policy framework.