1. Payment Methods

   • Payments can be made via bank transfer, credit card, debit card, or online payment platforms as specified by SPM Chess Academy.
   • All payments must be made in the designated currency as specified on the invoice or payment page.

2. Payment Due Date

   • Fees are due upon registration and must be paid in full before the commencement of any classes, courses, or events.
   • For monthly subscriptions, payments are due on the 1st of each month.

3. Late Payments

   • A late fee of 5% of the outstanding amount will be applied to any payments received more than 7 days past the due date.
   • Failure to pay within 30 days of the due date may result in suspension or termination of services.

4. Refund Policy

   • Full refunds are available if a written request is received at least 7 days before the start of a course or event.
   • No refunds will be given for cancellations made less than 7 days before the start date or for missed classes.
   • In exceptional circumstances, such as medical emergencies, partial refunds or credits for future classes may be considered at the discretion of SPM Chess Academy.

5. Course Cancellation by SPM Chess Academy

   • SPM Chess Academy reserves the right to cancel any course or event due to insufficient enrollment or other unforeseen circumstances.
   • In such cases, participants will receive a full refund or may choose to transfer to another course or event.

6. Discounts and Promotions

   • Any discounts or promotional offers are subject to specific terms and conditions, which will be communicated at the time of the offer.
   • Discounts cannot be combined unless otherwise stated.

7. Dispute Resolution

   • Any disputes regarding payments should be addressed to SPM Chess Academy’s billing department in writing.
   • SPM Chess Academy will make every effort to resolve disputes amicably and promptly.

8. Amendments to Payment Terms

   • SPM Chess Academy reserves the right to amend these payment terms and conditions at any time.
   • Participants will be notified of any changes in writing or via email at least 30 days before the changes take effect.

9. Contact Information

   • For any questions or concerns regarding payment terms, please contact:
     • Email: admin@spmchessacdemy.com
     • Phone: +91 80924 36007

By enrolling in SPM Chess Academy, you acknowledge that you have read, understood, and agree to these payment terms and conditions.