Payment Terms & Service Conditions
International Pricing, Billing & Refund Policies
Last Updated: August 28, 2025 | Version: 1.0
Compliance: EU Payment Services Directive (PSD2), GDPR, International Consumer Protection
💼 Service Overview & Pricing Model
Lonca operates as a digital marketplace connecting skilled craftspeople (Masters) with apprentices seeking traditional trade education. Our pricing model is transparent, fair, and compliant with international consumer protection standards.
🎓 For Students/Apprentices
- • Workshop enrollment fees
- • Premium learning materials
- • Certification programs
- • One-on-one mentoring sessions
- • Advanced skill assessments
🏭 For Stations/Employers
- • Platform subscription plans
- • Student placement services
- • Marketing and visibility tools
- • Analytics and reporting
- • Compliance management tools
👨🏫 For Masters/Instructors
- • Revenue sharing from workshops
- • Premium instructor tools
- • Content monetization
- • Performance bonuses
- • Professional development support
💰 International Pricing Structure
| Service Type | Pricing Model | EU/OECD Price Range | Payment Terms |
|---|---|---|---|
| Workshop Enrollment | Per course/Per hour | €25-200 per course | Pay before start |
| Station Subscription | Monthly/Annual | €99-499/month | Monthly advance |
| Certification Program | One-time fee | €150-500 | 50% upfront |
| Premium Features | Subscription | €9.99-29.99/month | Monthly billing |
💡 Regional Pricing Adjustments
Prices may be adjusted based on local purchasing power parity, currency fluctuations, and regional economic conditions. All prices include applicable VAT/taxes where required by law.
💳 Accepted Payment Methods
🌍 International Payment Options
Credit & Debit Cards
Visa, Mastercard, American Express
Bank Transfers
SEPA, SWIFT, Local bank transfers
Digital Wallets
PayPal, Apple Pay, Google Pay
🔒 Payment Security
- ✅ PCI DSS Level 1 compliance
- ✅ 256-bit SSL encryption
- ✅ 3D Secure authentication
- ✅ Fraud detection systems
- ✅ GDPR compliant data handling
- ✅ Two-factor authentication
📄 Billing & Invoicing Procedures
📅 Billing Cycles & Terms
Subscription Services:
- • Monthly billing on the same date
- • Annual subscriptions: 12-month advance
- • Automatic renewal unless cancelled
- • 7-day grace period for failed payments
- • Pro-rated billing for mid-cycle changes
One-time Purchases:
- • Immediate payment required
- • Invoice generated within 24 hours
- • Digital receipt via email
- • VAT/tax calculations included
- • Multi-currency support
🧾 Invoice Requirements (EU/OECD)
Invoice Information Includes:
- • Sequential invoice number
- • Date of issue and supply
- • Seller and buyer details
- • Service description
- • Net amount and VAT breakdown
- • Payment terms and due date
Tax Compliance:
- • EU VAT MOSS compliance
- • Reverse charge mechanism (B2B)
- • Digital services tax (where applicable)
- • Country-specific tax rates
- • Quarterly VAT reporting
- • Tax exemption certificates
🔄 International Refund Policy
✅ Eligible for Full Refund
- • Course cancellation by instructor
- • Technical platform failures
- • Misrepresented course content
- • Safety violations by station
- • EU: 14-day cooling-off period (online purchases)
- • Duplicate payments/billing errors
⚖️ Partial Refund Conditions
- • Course withdrawal after 25% completion
- • Subscription cancellation mid-cycle
- • Downgrade to lower service tier
- • Force majeure events (natural disasters)
- • Medical emergencies with documentation
- • Pro-rated refunds for unused services
❌ Non-Refundable Items
- • Completed courses or workshops
- • Downloaded digital materials
- • Issued certificates or credentials
- • One-on-one mentoring sessions (after completion)
- • Premium features used for full billing period
- • Violation-based account terminations
⏰ Refund Processing Timeframes
5-10 business days
3-7 business days
1-3 business days
⚖️ Dispute Resolution & Consumer Rights
🛡️ Consumer Protection Rights
- • EU Consumer Rights Directive compliance
- • OECD Consumer Protection Guidelines
- • Right to clear pricing information
- • Right to dispute resolution
- • Protection against unfair practices
- • Access to alternative dispute resolution
🔧 Dispute Resolution Process
- 1. Internal complaint system (48h response)
- 2. Escalation to customer service manager
- 3. Independent mediation service
- 4. EU ODR platform (for EU consumers)
- 5. Arbitration (binding resolution)
- 6. Court proceedings (last resort)
⏰ Late Payment & Collections Policy
📅 Late Payment Procedures
Payment Reminder Schedule:
- • Day 1-7: Grace period (no action)
- • Day 8: First reminder email
- • Day 15: Second reminder + phone call
- • Day 22: Final notice + service suspension
- • Day 30: Account termination process
- • Day 45: Collections agency referral
Late Payment Consequences:
- • Service access restrictions
- • Late payment fees (max 8% annually)
- • Credit rating implications
- • Legal collection procedures
- • Account closure and data retention
- • Debt recovery costs
📞 Billing & Payment Support
💳 Billing Support
Billing Department:
+1-800-LONOMAD-PAY
billing@lonca.com
Hours: Mon-Fri 9AM-6PM CET
🔄 Refund Requests
Refund Team:
refunds@lonca.com
Online form available
Response Time: 2-3 business days
⚖️ Disputes
Dispute Resolution:
disputes@lonca.com
+1-555-RESOLVE
EU ODR Platform:
ec.europa.eu/consumers/odr
✍️ Terms Acceptance
Important: These payment terms are legally binding and govern all financial transactions on the Lonca platform. By using our services, you agree to these terms. These terms are subject to applicable consumer protection laws in your jurisdiction.