Operating Entity: difi ("we", "us", or "our").
This Policy explains how difi handles payments, invoices, refunds, and plan cancellations. By paying for a learning package or paid service on difi, you agree to the terms described below.
difi accepts domestic/international cards, e-wallets, and bank transfers through PCI-DSS certified payment gateway partners. difi does not directly store your card details — card data is processed and stored by the payment gateway partner.
Paid plans are billed on a cycle (monthly/yearly) shown clearly at the time of purchase. Plans with auto-renewal enabled are charged at the start of the next cycle unless you cancel at least 24 hours before the renewal date.
Displayed prices may or may not include value-added tax (VAT) depending on regional regulations; the applicable tax rate is shown clearly before you confirm payment. difi reserves the right to adjust plan pricing; price changes do not affect a cycle already paid for.
A payment receipt is emailed to the registered address right after a successful transaction. A VAT invoice (if requested) is issued using the organization/individual details you provide at the time of purchase or within 7 days of the payment date.
Refund requests are reviewed in the following cases, within 7 days of the payment date:
A plan/course that has been used beyond 20% of its content, or for which more than 7 days have passed since purchase, is not eligible for a refund, unless otherwise required by law. Refund processing takes 5-10 business days, depending on your bank/payment partner.
You may cancel auto-renewal or upgrade/downgrade a plan at any time from account settings; changes take effect from the next billing cycle, with no refund for the unused portion of the current cycle.
If a charge was deducted but not reflected on your account, please keep the receipt/transaction ID and contact support for reconciliation within 30 days. If you dispute a transaction directly with your bank/card issuer (a chargeback) without contacting us first, your account may be temporarily suspended while the dispute is resolved.
All transactions are processed through payment gateway partners that comply with the PCI-DSS security standard, with data encrypted in transit (SSL/TLS). difi does not have access to your full card number.
This Payment Policy may be updated over time. The latest update date will be posted at the top of the page. Material changes affecting an active subscription will be communicated by email before taking effect.
For questions about payment, invoices, or refunds, please contact us at: [email protected].