General Agreement and Conditions for Payment in Instalments

This Agreement and General Conditions for Payment in Instalments (“Agreement”) outlines the terms and conditions under which AML Certification Centre OÜ, registered in Estonia (the “Provider”), allows payment for courses in instalments. By opting for payment in instalments, the customer (“Customer”) agrees to the following terms:

1. Scope of Agreement

1.1. This Agreement applies to the purchase of courses offered by the Provider where the Customer chooses to pay in instalments.

1.2. The Customer commits to paying the full course fee as agreed, regardless of course completion or continued participation.

2. Instalment Plan

2.1. The total course fee will be divided into a number of instalments as agreed at the time of purchase.

2.2. The instalment schedule, including the amount and due dates for each payment, will be clearly provided to the Customer before entering into this Agreement.

2.3. The first instalment is due at the time of enrolment, and access to the course will be granted only after receipt of the first payment.

3. Payment Terms

3.1. Payments must be made on or before the agreed due dates.

3.2. Payments can be made via accepted payment methods, including but not limited to credit/debit cards, bank transfers, or other payment systems.

3.3. A small administrative fee may apply for payment in instalments, which will be communicated upfront.

4. Late or Non-Payment

4.1. If an instalment is not paid by the due date:

• The Customer’s access to the course may be suspended until the payment is made.

• A late payment fee of 50€ may be applied.

• The received certificate or certificates might be revoked.

4.2. If the Customer fails to make payments after multiple reminders, the Provider reserves the right to:

• Terminate this Agreement and revoke access to the course.

• Revoke the certificate or certificates.

• Take legal action or engage a debt recovery agency to recover the outstanding balance.

5. Cancellation and Refunds

5.1. The Customer may request a cancellation of their enrolment according to the Provider’s Refund Policy.

5.2. If the Customer cancels after accessing the course materials, refunds (if any) will be subject to the Refund Policy, and the remaining instalments may still be payable.

5.3. No refunds will be issued for incomplete courses if the instalment plan is still ongoing.

6. Customer Responsibilities

6.1. The Customer must ensure that all personal and billing information provided is accurate and up-to-date.

6.2. The Customer is responsible for ensuring sufficient funds are available for each payment.

7. Provider Responsibilities

7.1. The Provider will grant access to the course upon receipt of the first instalment.

7.2. The Provider will send payment reminders to the Customer before the due dates of upcoming instalments.

8. Termination of Agreement

8.1. The Provider may terminate this Agreement if the Customer fails to comply with the terms of this Agreement, including non-payment of instalments.

8.2. Upon termination, all outstanding instalments become immediately payable.

9. Limitation of Liability

9.1. The Provider is not liable for any loss or damage arising from the suspension or termination of course access due to non-payment.

9.2. The Customer acknowledges that this Agreement is binding and waives the right to claim refunds or reverse payments without a valid reason.

10. Governing Law and Dispute Resolution

10.1. This Agreement shall be governed by the laws of Estonia.

10.2. Any disputes arising out of this Agreement shall be resolved amicably between the parties. If unresolved, disputes will be subject to the exclusive jurisdiction of the courts of Estonia.

11. Entire Agreement

11.1. This Agreement constitutes the entire understanding between the Provider and the Customer concerning payment in instalments and supersedes any prior agreements or communications.

11.2. Any amendments to this Agreement must be agreed upon in writing by both parties.

Acknowledgment

By agreeing to pay in instalments, the Customer acknowledges and accepts the terms and conditions outlined in this Agreement.