Payment Terms

Effective Date: November 30, 2025
Contact: contact@tutruvio.com

These Payment Terms (“Terms”) describe how payments are processed on Tutruvio.com (“Tutruvio,” “we,” “our,” or “us”), including conditions for Buyers and Sellers using Visa and Mastercard payment methods.

By completing a transaction on Tutruvio, you agree to these Payment Terms in addition to our Terms of Service and Privacy Policy.

1. Accepted Payment Methods

Tutruvio accepts the following forms of payment:

Visa credit and debit cards
Mastercard credit and debit cards

All transactions are securely processed through our authorized third-party payment processor, which complies with Payment Services Directive 2 (PSD2) and Strong Customer Authentication (SCA) standards.

No other payment methods (e.g., PayPal, crypto, cash, or bank transfers) are accepted at this time.

2. Payment Processing and Authorization

All payments are processed in real time when you confirm a purchase.
Upon payment, the transaction will appear under “TUTRUVIO.COM” or a similar reference on your card statement.
Payments are handled via secure SSL connections and are encrypted end-to-end.
You authorize Tutruvio and its payment processor to charge your card for course purchases or related services.

Tutruvio does not store full card numbers or security codes.

3. Strong Customer Authentication (3D Secure / SCA)

In compliance with PSD2 and Strong Customer Authentication (SCA) requirements, all card payments use 3D Secure (3DS) verification.

This means you may be asked to verify your identity with your card issuer during checkout, using one or more of the following:

A one-time passcode (SMS or app notification)
Biometric verification (fingerprint, facial recognition)
A secure banking app confirmation

This process ensures your payment is authorized by both you and your bank, reducing the risk of fraud.

4. Currency and Pricing

All prices are displayed in the currency specified on the platform.
Currency conversions, if applicable, are handled by your bank or card provider.
Exchange rates and fees are determined by your card issuer and are not controlled by Tutruvio.

5. Payment Security

Tutruvio uses secure payment gateways that comply with:

PCI DSS (Payment Card Industry Data Security Standard)
GDPR for data privacy and storage
SCA and PSD2 for authentication

Your payment data is processed securely, and Tutruvio does not retain sensitive financial details.

6. Buyer Payments

When you purchase a course:

The payment amount will be charged immediately upon order confirmation.
Tutruvio holds funds temporarily to ensure fraud protection and refund eligibility.
After the refund period expires, payment is released to the Seller (course creator).

7. Seller Payouts

Sellers receive payouts in accordance with the Seller Dashboard schedule:

Payments are made after the completion of the refund eligibility period.
Funds are transferred to the Seller’s registered payout method.
Tutruvio deducts its platform commission before payout.

All Seller payouts are processed via secure channels compliant with PSD2 and AML (Anti-Money Laundering) standards.

8. Refunds

Refunds are governed by Tutruvio’s Refund Policy.
If a refund is approved:

It will be issued to the original payment method (Visa or Mastercard).
Processing time may vary between 5–10 business days, depending on your bank.
3D Secure verification may apply during refund confirmation.

Tutruvio reserves the right to decline refund requests that do not meet eligibility requirements.

9. Payment Disputes and Chargebacks

If you believe a charge was unauthorized:

Contact Tutruvio Support at contact@tutruvio.com immediately.
If unresolved, you may contact your card issuer to initiate a chargeback.

Please note:

Tutruvio cooperates fully with card issuers in dispute investigations.
Fraudulent chargebacks may result in account suspension or legal action.

10. Taxes and Compliance

Prices on Tutruvio may include or exclude applicable taxes (e.g., VAT, GST) based on your location.
Tutruvio complies with relevant EU tax collection and remittance rules for digital goods.
Sellers are responsible for declaring and paying their own income taxes in accordance with local regulations.

11. Payment Failure or Decline

If a transaction fails:

Check that your card details, expiration date, and 3D Secure verification are correct.
Ensure your card allows international or online transactions.
Contact your bank for authorization if the issue persists.

Tutruvio reserves the right to suspend course access for unpaid or failed transactions.

12. Updates to Payment Terms

Tutruvio may revise these Payment Terms from time to time to reflect:

Regulatory changes (e.g., PSD2 updates)
Payment system improvements
Security enhancements

Revisions will take effect upon publication, with the updated Effective Date displayed at the top.

13. Contact

For any payment-related questions, disputes, or refund requests, contact:
📧 contact@tutruvio.com