Payments, Refunds & Cancellations

Effective and Last Updated: July 15, 2026

1. Scope

This Policy covers SMIK-Af school subscriptions and payments that schools choose to facilitate through the Platform. A school's own fee and refund rules may also apply to student payments.

2. Payment Processing

Payments may be processed by Paystack or another disclosed provider. The processor may collect payment credentials under its own terms. SMIK-Af records transaction references, status, amount, payer, invoice, receipt, refund, and reconciliation information but is not a bank or deposit-taking institution.

3. Accuracy and Authorisation

Payers must verify the school, invoice, amount, currency, and recipient before authorising payment. Schools are responsible for lawful charges and accurate invoices. Do not submit a payment method without the account holder's authority.

4. Subscriptions

The applicable order identifies price, currency, billing period, taxes, included features, renewal, and cancellation. A school may cancel future renewal as stated in its order. Cancellation does not automatically refund a current period unless the agreement or mandatory law provides otherwise.

5. Refunds and Errors

Report duplicate, incorrect, unauthorised, failed, or missing payments promptly to the school and office.smikaf@gmail.com. Refund approval for school fees belongs to the school unless SMIK-Af is the merchant. Approved refunds return through the original method where practicable and may take time imposed by the processor or bank.

6. Charges, Taxes and Currency

The payer is responsible for disclosed charges. Banks or mobile-money providers may impose separate fees or conversion rates. Schools and SMIK-Af are responsible for their respective tax duties.

7. Chargebacks

A payer should seek correction before initiating a chargeback when safe and reasonable. Fraudulent chargebacks are prohibited. A legitimate dispute does not waive consumer rights.

8. Records and Support

Financial records may be retained under tax, accounting, anti-fraud, and education law after account closure. Send support requests with the transaction reference, date, amount, school, and issue, but never a full card number, PIN, password, or one-time code.