BILLING, REFUNDS & CHARGEBACK POLICY

This Billing, Refunds & Chargeback Policy explains how payments, CKC digital credits, digital delivery, refunds, billing issues, and chargebacks are handled on c-kata.com.

The Service is operated by TECH HAVEN LIMITED.

By completing a purchase on c-kata.com, you agree to this Policy, our Terms & Conditions, and our Privacy Policy.

Payments are processed by approved third-party payment service providers. TECH HAVEN LIMITED does not store full card numbers, CVV/CVC codes, or sensitive authentication data on its servers.

Payment data is transmitted through encrypted payment pages or secure payment integrations provided by the payment processor.

Customers should only enter payment details on secure checkout pages using HTTPS.

Transactions may be subject to verification procedures required by your bank, card issuer, payment provider, acquirer, or card network.

Any cardholder-data handling is subject to the applicable PCI DSS validation scope for the payment flow used by TECH HAVEN LIMITED and its payment service providers.

All prices are displayed in euros (€), unless stated otherwise at checkout.

Before you confirm a payment, the checkout flow or Order Summary will show the total amount, currency, product description, delivery method, merchant name, and applicable payment method.

When you complete a purchase, you authorize TECH HAVEN LIMITED and its payment processor to charge the selected payment amount.

Purchases of CKC digital credits are one-time digital-content purchases unless expressly stated otherwise at checkout. C-kata does not charge recurring subscription fees unless a recurring plan is clearly presented and separately accepted by the customer before payment.

CKC are closed-loop digital credits usable only within c-kata.com.

CKC are not cryptocurrency, are not tradable, are not transferable, are not redeemable for cash, and have no monetary value outside the platform.

CKC may only be used to unlock access to tasks and paid features inside the Service.

CKC digital credits cannot be transferred between users, withdrawn, exchanged, resold, converted into cash, converted into digital assets, or used on any other platform.

C-kata provides digital educational services and closed-loop in-platform credits known as CKC. CKC digital credits are delivered electronically to the customer's C-kata account after successful payment confirmation.

Delivery is normally immediate. In some cases, delivery may take additional time due to bank verification, payment processor checks, technical review, fraud screening, system maintenance, or other operational reasons.

If CKC digital credits are not delivered after a successful payment, the customer should contact us at [email protected] and provide the account email, transaction date, amount, and payment reference.

If CKC digital credits cannot be delivered within a reasonable timeframe, the customer may request cancellation of the purchase and a refund to the original payment method, subject to this Policy and applicable law.

CKC digital credits are not shipped physically and no postal delivery applies.

At checkout, you may be asked to request immediate delivery of CKC digital credits to your C-kata account.

By requesting immediate delivery, you acknowledge that CKC are digital content and that, once delivery begins, you may lose your statutory cancellation right, except where a refund is required by law or permitted under this Policy.

This does not affect any refund rights that may apply in cases of non-delivery, confirmed technical failure, duplicate billing, billing error, or where a refund is required under applicable law.

Refunds may be granted only in the following circumstances:

Refunds are not normally available where CKC digital credits were properly delivered and remain available for use.

Approved refunds will be returned to the original payment method used for the purchase unless this is not possible or another method is required by law or the payment provider.

If a paid action fails due to a confirmed technical error on our side, we may, at our discretion:

To assess a technical-failure claim, we may review transaction logs, CKC delivery records, account activity, support records, and system diagnostics.

All refund requests must be submitted within 30 calendar days from the date of the relevant transaction.

We aim to review refund requests within 5 business days after receiving the required information.

Approved refunds are normally submitted to the payment processor within 5 business days after approval.

The time taken for funds to appear in the customer's account depends on the card issuer, bank, or payment provider.

To request a refund or report a billing issue, contact:

Please include:

We may request additional information if needed to verify the transaction, investigate delivery, assess a technical issue, or comply with payment-provider requirements.

If you have a billing issue, failed delivery, duplicate charge, or technical problem, please contact us first so we can attempt to resolve the matter promptly.

This does not limit any statutory rights or cardholder rights you may have under applicable law or card-scheme rules.

If a chargeback or payment dispute is initiated, we may provide transaction, delivery, account, technical, and support records to the payment provider, acquirer, card issuer, card network, or relevant dispute-handling body to help assess the dispute.

Submitting false, fraudulent, or abusive refund or chargeback claims may result in account review, suspension, or termination, where permitted by applicable law and our Terms & Conditions.

We may update this Billing, Refunds & Chargeback Policy from time to time to reflect changes in our payment flows, refund process, legal requirements, or operational practices.

The latest version will be available on c-kata.com.

The "Last updated" date at the top of this page indicates when this Policy was last revised.

For billing, refund, delivery, or chargeback-related questions, please contact us:

TECH HAVEN LIMITED

72 Halliwick Road, London, N10 1AB, United Kingdom