Payment and Refund Policy

Last updated: 16 October 2026

Price

The Business Management course is a once-off purchase. There is no subscription and no recurring charge.

Currencies and exchange rates

• Our master price is set in US dollars (USD).
• You can choose a display currency. Converted prices use live exchange rates and are shown for convenience only.
• Payments are processed by Paystack in South African rand (ZAR). The ZAR amount is calculated from the USD price at the live rate when you start checkout, rounded to the nearest rand, and shown on the Paystack checkout before you pay.
• If your card is in another currency, your bank converts the ZAR amount at its own rate and may charge a foreign-transaction fee. Those charges are set by your bank, not by us.

How payment works

When you click Enrol, you are taken to Paystack’s secure checkout. Available methods depend on your country and Paystack’s offering and may include card, instant EFT, bank transfer or other options. Your card or bank details are handled by Paystack and are never stored by us. Your access opens automatically once Paystack confirms the payment.

Refunds

• 7-day refund if you haven’t started: you can ask for a full refund within 7 days of payment, provided you have not yet started the course (completed any lesson or knowledge check).
• Once you have started: the course is digital content that you begin using immediately with your consent, so the 7-day cooling-off right no longer applies once you have started, in line with section 42(2) of the Electronic Communications and Transactions Act, 2002.
• Problems on our side: if you are charged twice, charged the wrong amount, or a technical fault on our side prevents you from accessing the course and we cannot fix it within a reasonable time, we will refund you in full.
• Refunds are paid back to the original payment method through Paystack. Depending on your bank, it can take 5–10 business days to reflect. Refunds are made in ZAR for the amount you were charged; your bank’s conversion of that amount is outside our control.
• A refund ends your access to the course. If a certificate has already been issued, it will be revoked.

Nothing in this policy limits any right you have under the Consumer Protection Act, 2008 or other law that cannot lawfully be excluded.

How to request a refund

Email habakkukweb@outlook.com from the email address on your account, and include your payment reference (shown on your Paystack receipt). We aim to reply within 2 business days.

Failed or pending payments

If your payment was declined, you have not been charged and can try again. If money left your account but your course has not opened, it will usually be matched automatically within a few minutes. If not, email us with your payment reference and we will sort it out.