I. Payment process
Customers can refer to the following payment methods and choose the appropriate one:

Method 1: Online Payment via Bank Transfer
+ Step 1: Customers can research information about the products and services posted.
+ Step 2: Customers place an order on the Reflectivelearnings.com website.
+ Step 3: Customers make a bank transfer payment to Reflectivelearnings.com using the following account information (any transfer fees incurred will be the responsibility of the customer).

+ Step 4: Employees of Reflective Learnings confirm the order and arrange delivery.
+ Step 5: Customers receive their goods.

REFUND POLICY FOR ONLINE PAYMENTS
In the case where customers have successfully purchased and paid online but have excess funds or wish to return a product, Reflective Learnings will refund the amount to the card used for payment, as follows:
– For ATM Cards: Customers will receive their refunds within 7–10 days (excluding Saturdays, Sundays, and holidays) from the date Reflective Learnings receives the customer’s request and confirms assistance. If the funds are not received after this period, Reflective Learnings will assist in contacting the customer’s bank to resolve the issue.
– For Visa/MasterCard/JCB: Customers will receive their refunds within 7-15 working days from the date Reflective Learnings receives the customer’s request for assistance. If the funds are not received after this period, customers should contact their bank for resolution.

II. Ensuring transaction safety
The management has utilized services to protect the information regarding the content posted by sellers on Reflectivelearnings.com. This is to ensure that transactions proceed successfully and minimize potential risks.

Customers should provide complete information (name, address, phone number, email) when participating in purchases from Reflective Learnings so that the company can quickly contact buyers in case of any errors.

In cases where transactions involve home delivery, buyers should only make payments after checking the goods thoroughly and being satisfied with the products.

When making online payments with domestic ATM cards, Visa, or MasterCard, buyers should carry out the transaction themselves and should not disclose card information. Reflective Learnings does not store customers’ card information after payment, as it is processed through the linked bank’s system. Therefore, it is essential to ensure the confidentiality of card information for customers.

In the event of errors occurring during online payment transactions, Reflective Learnings will resolve the issues for customers within 24 working hours from the time the information is received from the transaction participant