2.1. Payment for digital courses is structured into three (3) installments, referred to as a "Deferred Payment Plan."

2.2. Payments are to be made as follows:

• First payment: Due at the time of purchase.
• Second payment: Due 30 days after the first payment.
• Third payment: Due 30 days after the second payment.

2.3. The full price of the digital course must be paid in three installments before the product is delivered.

3.1. This Deferred Payment Plan complies with South Africa’s Lay-Buy laws, including:

• Transparency of all terms before entering the agreement.
• Itemized breakdown of payments provided at checkout.
• Right to a statement reflecting payment progress upon request.

3.2. In accordance with the law, you acknowledge and agree that the digital course will only be accessible after all payments have been completed.

4.1. The link to access the digital course will be provided to you via email or your registered account once the final payment has been received and confirmed.

4.2. Delivery will be completed electronically, and no physical goods will be provided.

5.1. Due to the nature of digital products and payment structure, all payments made are strictly non-refundable.

5.2. By agreeing to these Terms, you acknowledge that cancellation of the Deferred Payment Plan does not entitle you to a refund of any payments made.

5.3. If payments are not completed by the due dates, the agreement may be terminated, and no refunds will be provided for prior payments.

6.1. You are responsible for ensuring that payments are made on time.

6.2. It is your obligation to provide accurate contact information for communication and delivery of the product.

7.1. Ownership of the digital course remains with us until all payments are made in full.

7.2. Access to the product will be restricted until the Deferred Payment Plan is fully satisfied.

8.1. Any disputes arising from this agreement shall first be attempted to be resolved amicably through written correspondence.

8.2. If disputes cannot be resolved amicably, they shall be governed by the laws of the Republic of South Africa, and you agree to the exclusive jurisdiction of the South African courts.

10.1. We reserve the right to amend these Terms from time to time. Any changes will be communicated via email or on our website.

10.2. Continued use of the platform to purchase digital courses will constitute your acceptance of the amended Terms.