Financial Policy

1. Introduction

These Financial Terms govern all payments, subscriptions, and financial transactions on AXORA — Africa's Growth Community. By making any payment on AXORA, you agree to these terms.

2. Nature of Transactions on AXORA

AXORA enables transactions between Community Builders (who offer content, courses, mentorship, consultancy) and Members (who pay to access value).

3. Types of Payments

Payments on AXORA may include:

• Community subscriptions (monthly or yearly)
• One-time course payments
• Mentorship sessions
• Consultancy services
• Premium resources

4. Pricing Control

Community Builders set their own prices. Prices must be clearly displayed before payment. AXORA may set minimum and maximum price limits to protect users.

5. Payment Processing

Payments are processed via third-party providers (e.g., Stripe, mobile money). By paying, you authorize AXORA to process payments, store necessary payment data securely, and transfer funds to Community Builders.

AXORA does not control bank charges, mobile money fees, or currency conversion rates applied by your financial provider.

6. Currency

Payments may be processed in USD, RWF (for local users), or other supported currencies. Your bank or provider may apply additional conversion fees.

7. Subscription Terms

7.1 Automatic Renewal

Subscriptions renew automatically. Your billing cycle continues until you cancel.

7.2 Free Trials

If a free trial is offered, automatic charges begin when the trial ends. You must cancel before the trial ends to avoid being charged.

8. Cancellation Policy

You can cancel a subscription from your account settings, by contacting the Community Builder, or through AXORA support. After cancellation, access continues until the end of the paid period and no further charges will be made.

9. Refund Policy

General Rule: Payments are non-refundable.

Exceptions: Refunds may occur if required by law, approved by the Community Builder, or approved by AXORA on a case-by-case basis.

Members must contact the Community Builder first for any refund request.

10. Chargebacks & Fraud

Users agree not to initiate false chargebacks and to resolve disputes in good faith. AXORA may suspend accounts, withhold earnings, or investigate suspected fraudulent activity.

11. Earnings for Community Builders

11.1 Revenue

Community Builders earn from subscriptions, courses, and services offered through their communities.

11.2 Payouts

Earnings are processed after payment confirmation. Minimum payout thresholds may apply. Payout schedules may vary by region and payment method.

11.3 Withholding Earnings

AXORA may hold funds if fraud is suspected, Terms are violated, or legal issues arise.

12. Member Access Rights

After payment, members receive limited, non-transferable, personal-use access to content. Access ends if the subscription expires, payment fails, or the account is suspended.

13. Content Ownership

Community Builders own their content. Members do not gain ownership and cannot resell, publicly share, or reproduce content for commercial use.

14. No Guarantees

AXORA does not guarantee income for creators, learning outcomes for members, or continuous availability of content.

15. Disputes Between Users

Transactions are between Member and Community Builder. AXORA is not responsible for disputes but may review complaints and take action where necessary.

16. Platform Fees

AXORA may charge transaction fees, subscription fees for builders, or service fees. These will always be disclosed before you are charged.

17. Financial Compliance

Users must follow applicable laws, provide accurate billing information, and pay taxes where required by their local jurisdiction.

18. Changes to Financial Terms

AXORA may update pricing or policies. Users will be notified where necessary.