These Terms of Payment (“Payment Terms”) govern all payments, billing arrangements, subscriptions, purchases, transactions, and financial interactions conducted through Continuum Academy, Inc. (“Continuum,” “Continuum Academy, Inc.,” “Company,” “we,” “us,” or “our”).

By purchasing, subscribing to, accessing, or using any paid course, membership, subscription, digital content, feature, or service available through the Platform, you (“User,” “Customer,” “Subscriber,” or “you”) agree to be legally bound by these Payment Terms, together with our Terms of Use, Privacy Policy, Refund Policy, and all related policies incorporated herein by reference.

If you do not agree with these Payment Terms, you must discontinue use of all paid services immediately.

1) Merchant of Record

Continuum Academy, Inc. shall remain the merchant of record for all products, services, subscriptions, memberships, and digital content sold through the Platform unless otherwise expressly stated.

All customer inquiries, billing concerns, refund requests, subscription issues, and service-related disputes shall be directed to Continuum Academy, Inc. in accordance with these Payment Terms and applicable policies.

2) Payment Processing and Third-Party Providers

Continuum Academy, Inc. utilizes third-party payment processors, gateways, electronic money issuers, banks, financial institutions, card networks, telecommunications providers, fraud prevention services, and related financial service providers, including but not limited to PayMongo, to facilitate transactions on the Platform.

By using the Platform, you acknowledge and agree that:

• Payment services are provided by independent third-party entities.
• Such entities operate under their own terms, policies, settlement schedules, banking systems, fraud controls, operational standards, and regulatory obligations.
• Continuum Academy, Inc. does not directly operate as a bank, remittance company, payment gateway, card processor, electronic money issuer, or financial institution unless otherwise expressly stated.

No Agency Relationship: Third-party payment processors operate as independent contractors. Nothing in these Payment Terms shall be construed to create a partnership, joint venture, agency, or fiduciary relationship between Continuum Academy, Inc. and any payment provider. You agree that any claim, dispute, or loss arising strictly from the negligence, security breach, or operational failure of a third-party payment processor must be directed solely against that provider.

Continuum Academy, Inc. shall not be responsible for:

• Banking interruptions
• Payment gateway downtime
• Telecom failures
• GCash or Maya outages
• Visa or Mastercard network issues
• InstaPay or PESONet delays
• API disruptions
•  Payment reversals
• Delayed settlements
• Payment processor maintenance
• Other failures arising from third-party infrastructure beyond our reasonable control

All transactions remain subject to fraud review, regulatory screening, payment authorization, and settlement confirmation by the applicable financial provider.

3) Accepted Payment Methods

Continuum Academy, Inc. may accept:

• Credit and debit cards
• E-wallets and QR payments
• Bank transfers
• Installment payment solutions
• Recurring billing arrangements
• Other payment methods made available from time to time

Availability of payment methods may vary depending on geographic location, banking restrictions, regulatory limitations, merchant classification, technical availability, and provider eligibility.

We reserve the right to modify, suspend, restrict, or discontinue any payment method at any time without prior notice.

4) Subscription Billing and Auto-Renewal

Certain services operate on a recurring subscription basis. By subscribing to a recurring plan, you expressly authorize Continuum Academy, Inc. and its payment providers to:

• Automatically charge your selected payment method
• Process recurring payments
• Collect taxes and applicable fees
• Continue billing according to the selected subscription cycle unless properly cancelled

Subscription plans may renew monthly, quarterly, annually, or at other disclosed billing intervals. You acknowledge and agree that:

• Subscription renewals may occur automatically.
• Charges may continue until cancellation is completed.
• Pricing may change upon prior notice where required by law.
• Failure to cancel before renewal may result in continued billing.

You remain solely responsible for maintaining accurate billing information, ensuring sufficient funds, monitoring recurring charges, and reviewing subscription terms before purchase.

5) Subscription Cancellation

Users may cancel recurring subscriptions through their account settings or by following the cancellation procedures published on the Platform.

Unless otherwise expressly stated:

• Cancellations take effect at the end of the current billing cycle.
• No prorated refunds shall be issued for unused subscription periods.
• Access to subscription services shall continue until the expiration of the paid billing term.

Users are solely responsible for cancelling subscriptions through the designated subscription cancellation function on the Platform before renewal dates. Requests made through email, SMS, telephone, voice messages, chat, social media, or other communication channels shall not constitute valid cancellation requests. Deleting an account, uninstalling an application, logging out, or ceasing use of the Platform does not automatically cancel recurring billing obligations.

6) Free Trials and Promotional Offers

Continuum Academy, Inc. may offer free trials, discounted introductory periods, promotional pricing, bundled subscriptions, or limited-time offers.

Unless cancelled before the applicable trial or promotional period expires, the subscription may automatically convert into a paid recurring subscription at the applicable standard rate. Specific promotional conditions shall be disclosed at the time of offer.

Continuum Academy, Inc. reserves the right to modify, revoke, suspend, or terminate promotional offers at any time.

7) Pricing, Taxes, and Currency

All prices displayed on the Platform are subject to change without prior notice unless otherwise required by law. Prices may include applicable taxes, exclude taxes, or be subject to additional governmental charges depending on jurisdiction.

You agree to pay all applicable subscription fees, taxes, foreign exchange fees, banking charges, transaction fees, chargeback fees, and all other associated costs related to your transactions.

Continuum Academy, Inc. shall not be responsible for currency conversion fluctuations, foreign transaction charges, intermediary bank fees, or charges imposed by financial institutions.

8) Electronic Billing and Communications Consent

By using the Platform, you consent to receive electronically: invoices, receipts, payment confirmations, subscription notices, renewal reminders, transactional communications, legal disclosures, and policy updates.

Electronic records and communications shall satisfy any legal requirement that such communications be provided in writing.

9) Failed, Delayed, or Interrupted Transactions

Continuum Academy, Inc. does not guarantee uninterrupted payment processing or continuous availability of payment channels. We shall not be liable for payment failures, delays, interruptions, or processing errors arising from banking downtime, internet disruptions, telecom failures, fraud prevention systems, card issuer declines, payment processor outages, regulatory actions, cyberattacks, force majeure events, or circumstances beyond our reasonable control.

The Cleared Funds Requirement: Continuum Academy, Inc. relies on final settlement data provided by our third-party processors. A transaction is only deemed complete—and access to paid services will only be granted—once funds have successfully cleared and settled into our designated corporate accounts. We are not obligated to honor digital receipts, screenshots, or SMS confirmations if the corresponding funds have not been definitively credited to us.

User Negligence and Payment Misdirection: You are solely responsible for ensuring you are remitting funds to the correct, officially published payment links, QR codes, or bank accounts belonging to Continuum Academy, Inc. We assume no liability for funds lost due to phishing scams, spoofed websites, incorrect account numbers entered by the user, or payments sent to unauthorized third parties.

We reserve the right to decline transactions, suspend payment processing, delay fulfillment, withhold access, or cancel transactions where fraud, abuse, suspicious activity, regulatory concerns, or policy violations are reasonably suspected.

10) Chargebacks, Reversals, and Payment Disputes

You agree not to improperly dispute, reverse, or initiate chargebacks for legitimate transactions.

In the event of chargebacks, reversals, unauthorized transaction claims, payment disputes, or financial investigations, Continuum Academy, Inc. reserves the right to:

• Suspend or terminate accounts
• Revoke access to digital content
• Recover outstanding balances
• Submit evidence to financial institutions
• Engage collection efforts
• Pursue all remedies available under applicable law

You agree to cooperate fully with Continuum Academy, Inc. and applicable payment providers during transaction investigations. Continuum Academy, Inc. may recover from you disputed transaction amounts, chargeback penalties, processing costs, administrative expenses, collection costs, and reasonable legal fees.

11) Refund Policy

General Policy: Except where required by applicable law, expressly stated in an official published policy, or approved by Continuum Academy, Inc. in its sole discretion, all payments made through the Platform are final and non-refundable.

Subscription Refund Window: Where applicable, refund requests for recurring subscriptions must be submitted within seven (7) calendar days from the initial purchase date and prior to substantial consumption of paid digital content. Renewal charges, recurring billing cycles, installment payments, promotional subscriptions, discounted plans, bundled offers, and partially used subscription periods are generally non-refundable unless otherwise required by law.

Consumed Digital Content: Due to the nature of digital services and instantly accessible educational content, refunds may be denied where:

• paid videos, courses, or premium content have already been accessed, streamed, downloaded, completed, or substantially consumed;
• significant portions of subscription benefits have already been utilized; certificates, downloadable materials, bonus content, or exclusive resources have already been issued or accessed; or
• the Platform reasonably determines that the digital service has already been materially delivered.

Duplicate Payments and Technical Errors: In cases of verified duplicate billing, erroneous multiple charges, or confirmed technical processing errors directly attributable to Continuum Academy, Inc., the Company may issue appropriate refunds, credits, reversals, or billing adjustments after reasonable verification.

Fraud, Abuse, and Refund Manipulation: Continuum Academy, Inc. reserves the right to deny refunds, suspend accounts, revoke access, restrict services, or pursue legal remedies where it reasonably suspects:

• refund abuse;
• chargeback abuse;
• fraudulent transactions;
• account sharing;
• unauthorized access;
• subscription manipulation;
• excessive refund activity;
• bad-faith payment disputes; or
• violations of Platform policies.

Chargeback Abuse: Users agree not to improperly initiate chargebacks or payment disputes for legitimate transactions. Where a User initiates a chargeback after accessing or consuming paid digital content, Continuum Academy, Inc. reserves the right to:

• submit account records, login history, IP logs, billing records, watch activity, Terms acceptance logs, cancellation records, customer support records, and related evidence to financial institutions or payment processors;
• suspend or terminate access to the Platform;
• recover outstanding balances, fees, penalties, and administrative costs; and
• restrict future purchases or account access.

Refund Processing: Approved refunds shall be processed using the original payment method where commercially and technically feasible. Refund processing timelines may vary depending on banks, payment processors, e-wallet providers, card networks, financial institutions, regulatory reviews, and settlement schedules.

Non-Waivable Consumer Rights: Nothing in this Refund Policy limits or excludes rights that cannot legally be waived under applicable consumer protection laws.

12) Digital Content License

All purchases grant Users a limited, revocable, non-transferable, non-exclusive license to access digital content solely for personal, non-commercial use.

Users do not acquire ownership rights, intellectual property rights, resale rights, redistribution rights, or perpetual access rights unless expressly stated otherwise. Continuum Academy, Inc. reserves the right to modify, replace, discontinue, or remove digital content at any time.

13) Account Sharing and Unauthorized Use

Users shall not:

• Share account credentials
• Resell subscriptions
• Distribute paid content
• Circumvent subscription controls
• Permit unauthorized third-party access to paid services

Continuum Academy, Inc. reserves the right to suspend or terminate accounts engaged in abuse, credential sharing, fraudulent activity, unauthorized commercial use, or violations of these Payment Terms.

14) Fraud Prevention and Security Verification

Continuum Academy, Inc. reserves the right to verify identity, request supporting documentation, delay access to services, refuse transactions, freeze accounts, or suspend subscriptions where reasonably necessary for fraud prevention, anti-money laundering compliance, regulatory obligations, security protection, or risk management.

You authorize Continuum Academy, Inc. to share relevant information with payment processors, banks, fraud monitoring providers, regulatory authorities, and law enforcement agencies where legally required or reasonably necessary to protect the Platform.

15) Age Requirement

By using paid services, you represent and warrant that you are at least eighteen (18) years old, or you possess valid parental or legal guardian consent sufficient to enter into binding agreements under applicable law. Parents or guardians shall remain responsible for all activities and financial obligations incurred by minors using the Platform.

16) Privacy and Data Protection

Continuum Academy, Inc. processes personal and payment-related information in accordance with Republic Act No. 10173 (Data Privacy Act of 2012), applicable BSP regulations, and our Privacy Policy.

By using the Platform, you consent to the collection, processing, storage, and sharing of relevant transaction data as necessary for payment processing, fraud prevention, regulatory compliance, customer support, and platform operations.

17) Disclaimer of Warranties

To the fullest extent permitted by law, all payment-related services are provided on an “as is” and “as available” basis.

Continuum Academy, Inc. expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including uninterrupted payment processing, continuous service availability, successful transaction completion, merchantability, fitness for a particular purpose, and non-infringement. Nothing in these Payment Terms shall exclude liability where such exclusion is prohibited under applicable law.

18) Limitation of Liability

To the fullest extent permitted by law, Continuum Academy, Inc., its officers, directors, employees, affiliates, contractors, licensors, and service providers shall not be liable for indirect, incidental, consequential, or punitive damages, reputational losses, business interruption, lost profits, loss of data, or financial losses arising from:

• Payment failures or banking interruptions
• Chargebacks or unauthorized transactions
• Subscription disputes
• Processor downtime or third-party infrastructure failures
• Use of the Platform

Third-Party Fund Holds: Continuum Academy, Inc. shall bear no liability if a third-party payment processor, bank, or electronic money issuer arbitrarily freezes, holds, or reverses your funds, nor shall we be obligated to provide alternative access to our Platform while your funds are under investigation by your financial institution.

In all circumstances, Continuum Academy, Inc.’s total aggregate liability arising from any payment-related claim shall not exceed the amount actually paid by the User for the affected transaction giving rise to the claim.

19) Indemnification

You agree to indemnify, defend, and hold harmless Continuum Academy, Inc. and its affiliates from claims, liabilities, damages, losses, penalties, costs, and expenses (including reasonable attorneys’ fees) arising from your breach of these Payment Terms, fraudulent activity associated with your account, chargebacks initiated by you, misuse of payment systems, unauthorized account sharing, violations of applicable law, or disputes involving your use of the Platform.

20) Force Majeure

Continuum Academy, Inc. shall not be liable for delays, interruptions, failures, or inability to perform arising from causes beyond reasonable control, including but not limited to natural disasters, pandemics, cyberattacks, telecommunications failures, power outages, labor disputes, government actions, internet disruptions, banking system failures, war, terrorism, civil unrest, or failures of third-party service providers.

21) Suspension and Termination Rights

Continuum Academy, Inc. reserves the right, at its sole discretion and without prior notice, to suspend, restrict, terminate, or revoke access to services where Users engage in fraudulent conduct, chargeback abuse, suspicious transactions, policy violations, payment abuse, unauthorized access, or activities posing legal, financial, reputational, or operational risk.

Any payment obligations, chargeback liabilities, indemnification obligations, dispute-related obligations, investigation duties, audit rights, intellectual property protections, evidence preservation obligations, arbitration provisions, limitations of liability, and all provisions which by their nature should survive termination shall remain enforceable notwithstanding suspension, cancellation, closure, or termination of any account, subscription, or use of the Platform.

22) Dispute Resolution

Before initiating formal legal proceedings, Users agree to first attempt to resolve disputes informally by contacting Continuum Academy, Inc.’s customer support. Where disputes remain unresolved, the parties may mutually agree to mediation or alternative dispute resolution mechanisms prior to court action.

Nothing herein prevents Continuum Academy, Inc. from pursuing immediate legal remedies where necessary to protect its legal rights, intellectual property, operations, or security.

23) Non-Waiver

Failure by Continuum Academy, Inc. to enforce any provision of these Payment Terms shall not constitute a waiver of any right or provision.

24) Severability

If any provision of these Payment Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

25) Amendments

Continuum Academy, Inc. reserves the right to amend, revise, modify, or update these Payment Terms at any time. Updated versions become effective upon publication on the Platform unless otherwise required by law. Continued use of the Platform following publication constitutes acceptance of the revised Payment Terms.

26) Governing Law and Jurisdiction

These Payment Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from or relating to these Payment Terms shall be subject to the exclusive jurisdiction of the proper courts of the Philippines, unless otherwise required by applicable law.