​Credit Card Payments, Chargebacks, and Dispute Resolution

Clear Disclosure and Consent

Disclosure at Time of Purchase

By completing a purchase, the student confirms they have reviewed and accepted:

• Course description and delivery format (e.g. online / virtual / instructor-led)
• Pricing and 100% upfront payment requirement
• Refund and cancellation terms
• Intellectual Property and usage restrictions

These Terms are made available prior to payment and require affirmative acceptance at checkout.

Payment Authorization and Proof of Purchase

Authorization

By submitting payment information, the student authorizes FPGA Authority Inc. to charge the full course fee to the selected credit card.

Transaction Records

We retain transaction records, receipts, timestamps, IP addresses, and course access logs in accordance with card-network requirements to verify legitimate purchases and service delivery.

Refund Policy (Chargeback-Aligned)

Provider-Cancelled Courses

If FPGA Authority Inc. cancels a course, the student will receive a 100% refund, issued to the original payment method.

Student Withdrawal

If a student voluntarily withdraws from a course:

• A 90% refund will be issued
• 10% is non-refundable and covers administrative and payment processing costs
• Refunds are issued to the original payment method only

Refund Processing

Approved refunds are processed promptly and within card-network-recommended timeframes. Refund timing may vary depending on the issuing bank.

No Service Not Rendered Claims

Digital and Training Services

Students acknowledge that access to course materials, lab environments, credentials, or scheduled instruction constitutes delivery of services.

Access Issuance

Once access credentials, materials, or instructional services are made available, the transaction is considered fulfilled subject to the stated refund policy.

Dispute Resolution Before Chargebacks

Required First Contact

Before filing a chargeback, students agree to contact FPGA Authority Inc. directly to attempt resolution via:

• Billing clarification
• Refund request
• Course access issues

We are committed to resolving disputes fairly and promptly.

Improper Chargebacks

Chargebacks initiated in violation of these Terms (including disputes over disclosed refund policies or delivered services) may be considered invalid disputes under Visa® and Mastercard® rules.

Evidence for Chargeback Defense

In the event of a chargeback, the following may be submitted as evidence to the issuing bank:

• Accepted Terms & Conditions
• Proof of payment authorization
• Course access logs and timestamps
• Attendance or participation records (if applicable)
• Refund policy disclosures
• Communication records with the student

Non-Refundable Fees Disclosure

The 10% non-refundable administrative fee is clearly disclosed prior to purchase and reflects:

• Credit card processing fees
• Administrative handling
• Reservation of course capacity

This fee complies with Visa® and Mastercard® transparency requirements.

Fraud and Unauthorized Use

Authorized Card Use

Students affirm they are authorized cardholders or have permission from the authorized cardholder to complete the transaction.

Fraudulent Transactions

Any fraudulent payment activity may result in immediate course access termination and cooperation with card issuers and law enforcement.

Communication and Billing Descriptor

Billing Descriptor

Charges will appear on credit card statements using a recognizable billing descriptor identifying FPGA Authority Inc., allowing students to easily identify the transaction.

Contact Information

Clear contact details are provided on the website and receipt to reduce confusion and prevent unnecessary disputes.

Survival of Terms

These chargeback and payment-related provisions survive course completion, withdrawal, refunds, and termination of access.

Contact Us

If you have any questions, please contact us at:

Email: [email protected]