Payment and Refund Policy
Last updated: 22 September 2026.
Scope of the Policy and Services Covered
This Payment and Refund Policy applies to all transactions involving access to the Course A journalism production platform operated by journalrayo. The platform provides tools and services for editorial planning, newsroom reports, studio coordination, camera setup, and structured workflows for news content creation. It covers subscriptions, one-time purchases of training modules, access to digital resources, and related professional services delivered to customers in the United Kingdom. The policy governs payments made through the commercial website and outlines rights and obligations under applicable UK law, including the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013.
Prices, Currencies, Taxes, and Additional Charges
All prices on the platform are displayed in British Pounds Sterling (GBP). Prices include value added tax (VAT) at the prevailing UK rate where applicable. Additional charges may arise for premium features, extended storage, or custom workflow integrations. Customers are notified of any extras before completing a transaction. No hidden fees are applied, and currency conversion is not supported as all billing occurs in GBP.
Accepted Payment Methods, Authorisation, and Security
Accepted methods include major credit and debit cards, bank transfers, and approved digital wallets. Payments are authorised at the time of order placement. journalrayo uses secure third-party processors compliant with PCI DSS standards to protect card details. Authorisation confirms sufficient funds, and transactions are encrypted end-to-end. No payment information is stored on the platform servers.
Order Confirmation and Contract Formation
Upon successful payment, customers receive an email confirmation detailing the services purchased. A binding contract forms when the confirmation is issued, subject to the terms of service. For subscriptions, access activates immediately unless otherwise stated. Customers should review all details prior to confirming payment as this constitutes acceptance of the contract.
Cancellation Rights and Periods
Under UK consumer law, customers have a 14-day cooling-off period from the date of contract formation for most services. Cancellations within this period entitle the customer to a full refund provided no substantial use of the digital content has occurred. Subscriptions may be cancelled at any time via the account dashboard, with pro-rated refunds applied only where permitted by law. Services involving custom studio coordination or live sessions are non-cancellable once scheduled.
Refund Eligibility, Exclusions, and Non-Refundable Items
Refunds are available for unused digital access within the cooling-off period or if services are defective. Exclusions apply to downloaded materials, completed training sessions, and promotional bundles. Non-refundable items include any content accessed or workflows initiated. Refunds are not granted for change of mind after the cooling-off period or for failure to meet personal expectations regarding news content production tools.
Step-by-Step Procedure to Request a Refund
To request a refund, customers must submit a written request via the contact form on the Contacts page, providing order number, purchase date, and reason. Requests should be sent to [email protected]. Supporting evidence such as screenshots of issues may be required. Requests must be made within the applicable time limits. journalrayo acknowledges receipt within five business days.
Inspection, Approval, Rejection, and Notification
Each request undergoes review for eligibility based on policy terms and usage records. Approval or rejection is communicated by email within 14 days. If rejected, reasons are provided along with any options for appeal. Customers may supply additional information if the initial decision is disputed.
Refund Method, Processing Time, and Fund Arrival
Approved refunds are issued to the original payment method. Processing takes up to 10 business days, with funds typically reaching the customer within 5 to 14 additional days depending on the provider. Bank transfers may vary. No cash refunds are offered.
Special Rules for Digital Content, Subscriptions, and Promotional Offers
Digital content such as workflow templates and camera setup guides is non-returnable once downloaded or streamed. Subscriptions renew automatically unless cancelled before the renewal date. Promotional offers are subject to their own terms and may exclude refunds if specified at purchase. Access to editorial planning tools ceases upon subscription end without refund for partial periods beyond legal requirements.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments result in order cancellation and notification. Duplicate charges are investigated and refunded automatically where confirmed. Chargebacks are handled according to card scheme rules, and excessive activity may lead to account review. Suspected fraud prompts immediate transaction hold and contact with [email protected] for verification. journalrayo cooperates with authorities on fraud matters.
Mandatory Consumer Rights in the United Kingdom
This policy does not exclude or limit rights under the Consumer Rights Act 2015, UK GDPR, Data Protection Act 2018, or Payment Services Regulations 2017. Customers retain rights to remedies for faulty services, including repair, replacement, or refund regardless of this policy. Complaints may be escalated to the Financial Ombudsman Service or relevant trading standards bodies where applicable.
Contact Route, Policy Changes, and Last-Updated Date
For queries, use the contact form on the Contacts page or email [email protected]. The address for written correspondence is The Interchange, Oval Road, Camden Lock, London, NW1 7DZ, United Kingdom. journalrayo may update this policy to reflect legal changes, with the revised version posted on the website. Continued use after updates constitutes acceptance. The last-updated date appears at the top of this page.