Payment Terms

Introduction#

These Payment Terms ("Payment Terms") govern all payment transactions on the LearningSense platform ("Platform"), operated by LearningSense LLC. These Payment Terms are incorporated into and form part of the LearningSense Terms of Service. By creating an account, subscribing to the Platform, or enabling payment collection features, you agree to these Payment Terms.

1. Platform Subscription Fees#

Co-op Directors pay a monthly subscription fee based on the plan selected at signup, listed at https://learningsense.org/pricing.

• Billing cycle: monthly, beginning on the date you first subscribe ("Billing Date").
• Subscription period: one (1) month, automatically renewing until cancelled.
• Non-renewal notice: you must cancel at least 30 days before the end of your current subscription period to avoid being charged for the next period.
• No prorating: monthly subscription fees are not prorated. If you cancel mid-period, you retain access through the end of the current billing period. No partial refunds are issued for unused days.

2. Automatic Billing and Payment Authorization#

By providing a payment method and subscribing, you authorize LearningSense to automatically charge your payment method on each monthly Billing Date without further approval. You are responsible for ensuring your payment method is valid and has sufficient funds. You must update your payment method promptly if it expires or is no longer valid. LearningSense will send a receipt to your registered email following each successful charge.

3. Failed Payments and Account Suspension#

If your subscription payment fails:

• LearningSense will notify you by email.
• We will attempt to reprocess the payment up to three (3) times over a seven (7) day grace period.
• If payment is not collected within the grace period, your account will be suspended — Directors and their associated Families will lose access to the Platform.
• To reactivate, you must update your payment method and pay any outstanding balance in full.

LearningSense is not liable for any loss of data, co-op disruption, or damages resulting from account suspension due to failed payment.

4. Cancellation and Refund Policy (Platform Subscription)#

You may cancel at any time through account settings or by contacting support@learningsense.org. Cancellation takes effect at the end of the current monthly billing period — you retain access through the period already paid. LearningSense does not issue refunds for monthly subscription fees already paid, including partial months, unused features, or mid-period cancellations. Annual plans if offered will have refund terms disclosed at purchase. Following cancellation, co-op data will be available for export for 30 days, after which LearningSense may permanently delete it.

5. Price Changes#

LearningSense reserves the right to change subscription pricing at any time with at least 30 days' written notice by email or Platform notification. Price changes take effect at the start of your next subscription period following the notice period. If you do not agree, you may cancel before the new price takes effect.

6. Co-op Payment Facilitation#

Directors may enable payment collection to collect co-op fees from Families ("Co-op Payments"). LearningSense processes Co-op Payments as a payment facilitator through Stripe Connect on behalf of Directors. Key roles:

• Director as Merchant of Record: the Director is the merchant of record for all Co-op Payments. LearningSense is not a party to the payment transaction.
• Director responsibility: Directors are solely responsible for setting fee amounts, communicating payment expectations, and ensuring compliance with applicable law.
• LearningSense role: LearningSense provides technical infrastructure to process payments and disburse funds and is not liable for failed, disputed, or uncollected Co-op Payments.
• Stripe Connect: by enabling Co-op Payments, Directors agree to create a Stripe Connect account and to be bound by Stripe's Connected Account Agreement at https://stripe.com/legal/connect-account.
• Stripe KYC: Directors must complete Stripe's identity verification process before receiving payouts. LearningSense cannot override Stripe's verification requirements.

7. Platform Fees on Co-op Payments#

LearningSense charges a platform fee on co-op payments that varies by your subscription tier, as published at https://learningsense.org/pricing and shown in your billing settings. Current platform fees range from 1.0% on the Free plan to 0.3% on the Thrive plan. The exact fee applied is the rate for your active subscription tier at the time the payment is processed. Platform fees are deducted automatically from Co-op Payments before disbursement to the Director. Platform fees are non-refundable, including in cases where a Co-op Payment is subsequently refunded to a Family — the platform fee may be deducted from the Director's future payouts. LearningSense reserves the right to update platform fee rates with 30 days' notice.

8. Director Payouts#

LearningSense disburses collected Co-op Payments to Directors through Stripe Connect.

• Payout timing: subject to Stripe's standard payout schedule, typically two (2) business days after payment is received, but may vary.
• Payout holds: Stripe or LearningSense may place a hold on payouts if suspicious activity is detected, a high volume of disputes occurs, or as required by applicable law.
• Payout currency: all payouts are in US Dollars (USD).
• Director bank account: Directors are responsible for providing accurate bank account information — LearningSense is not liable for misdirected payouts resulting from incorrect information.
• Minimum payout: Stripe may apply minimum payout thresholds — any unpaid balance below the threshold rolls over to the next payout cycle.

9. Refunds on Co-op Payments#

Refund policies for Co-op Payments are set entirely by the Director. LearningSense does not determine, enforce, or guarantee any refund policy for Co-op Payments. Directors are responsible for communicating their refund policy to Families before collecting payment. LearningSense will process refunds to Families at the Director's written request, subject to available funds. LearningSense cannot process a refund exceeding the original payment amount or available funds. Families seeking refunds must contact their Director directly — LearningSense is not party to refund disputes. Platform fees on refunded payments are not returned to the Director.

10. Chargebacks and Disputes#

A payment dispute occurs when a Family reverses or disputes a Co-op Payment — through an ACH return or dispute for bank transfers, or a chargeback for card payments where card payments are offered. Because the Director is the merchant of record, Directors bear full financial responsibility for all such reversals, returns, and chargebacks, including any associated fees.

• Reversal deductions: if a payment is reversed, returned, or charged back, the disputed amount plus any associated fees will be deducted from the Director's future payouts or collected from their payment method on file.
• Chargeback response: LearningSense will notify Directors of chargebacks and provide available evidence to contest the dispute. Directors may be asked to provide documentation.
• Chargeback reserve: LearningSense reserves the right to establish a rolling reserve on Director payouts if the Director's account experiences an elevated chargeback rate.
• Fraudulent chargebacks: Directors who knowingly facilitate fraudulent transactions may have their account permanently suspended without refund of subscription fees.

11. ACH Payments and Returns#

If Families pay via ACH bank transfer:

• ACH payments typically take 3–5 business days to settle.
• ACH payments may be returned due to insufficient funds, incorrect account information, or account closure.
• Returned ACH payments and any associated fees will be deducted from the Director's payout balance.
• LearningSense is not responsible for losses resulting from returned ACH transactions.

12. Stripe as Payment Processor#

All payment processing is performed by Stripe, Inc. LearningSense does not store credit card numbers, debit card numbers, or bank account details on its own servers. All payment data is transmitted directly to and stored by Stripe in accordance with Stripe's privacy policy at https://stripe.com/privacy and Stripe's security standards. By using the Platform's payment features, you agree to Stripe's Terms of Service at https://stripe.com/legal. LearningSense is not responsible for any errors, delays, losses, or damages arising from Stripe's services, outages, or policy changes. Stripe may refuse to process payments, suspend accounts, or withhold payouts in accordance with its own policies. LearningSense has no authority to override Stripe's decisions.

13. Taxes#

You are solely responsible for determining and paying any taxes applicable to your use of the Platform or to Co-op Payments collected through the Platform. LearningSense's subscription fees do not include applicable sales, use, VAT, or other taxes, which may be added where required by law. Directors are responsible for determining whether Co-op Payments they collect are subject to any tax obligations and for remitting any applicable taxes to the appropriate authorities. LearningSense does not provide tax advice — consult a qualified tax professional.

14. Fraud Prevention and Account Holds#

LearningSense reserves the right to delay, hold, or cancel any payment or payout if we have reason to believe it is fraudulent, violates these Payment Terms, or violates applicable law. In cases of suspected fraud, LearningSense may suspend the associated account pending investigation without prior notice. Directors must not use the Platform's payment features for any purpose other than collecting legitimate co-op fees from enrolled Families. Use of the payment feature for any other purpose is grounds for immediate account termination. LearningSense cooperates with law enforcement and regulatory authorities in cases of suspected financial fraud or money laundering.

15. Limitation of Liability#

To the maximum extent permitted by applicable law, LearningSense's total liability arising from or relating to Co-op Payments is limited to the platform fees collected by LearningSense on the specific transaction(s) giving rise to the claim. LearningSense is not liable for:

• failed, delayed, or misdirected payments resulting from incorrect information provided by Directors or Families;
• losses resulting from Stripe outages, system failures, or policy changes;
• chargebacks, ACH returns, or other payment reversals;
• tax liabilities arising from Co-op Payments;
• disputes between Directors and Families regarding co-op fees or refunds;
• any indirect, incidental, special, consequential, or punitive damages arising from payment processing.

16. Changes to These Payment Terms#

LearningSense may update these Payment Terms at any time with at least 30 days' notice of material changes by email or through a Platform notification. Your continued use of the Platform's payment features after the effective date of any changes constitutes your acceptance of the updated Payment Terms. If you do not agree, you must disable payment collection and cancel your subscription before the changes take effect.

17. Contact#

For questions about these Payment Terms or your account billing, contact:

LearningSense LLC
Email: support@learningsense.org
2057 104th St, Lubbock, TX 79423, United States