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This Payment & Refund Policy explains how payments are processed through the Genutive Platform, including billing, cancellations, refunds and payment responsibilities.
By making a payment through the Genutive Platform, you acknowledge that you have read, understood and agree to this Payment & Refund Policy.
Genutive is an AI-enabled Workforce, Education & Migration Platform that provides technology, workflow management and digital collaboration services.
The Platform enables users to access services provided by Genutive as well as services delivered by trusted education providers, employers, skills assessment organisations, licensed migration professionals and other authorised partner organisations.
Unless expressly stated otherwise, Genutive does not directly provide regulated education, migration, legal, recruitment or government services.
Payments made through the Genutive Platform are securely processed using Stripe, our authorised third-party payment service provider.
Stripe processes payment transactions in accordance with its own Terms of Service, Privacy Policy and applicable payment security standards, including PCI DSS requirements.
For your security:
Genutive does not store your complete credit or debit card details.
Payment information is transmitted directly to Stripe using secure encrypted connections.
Payment card information is managed by Stripe in accordance with industry security standards.
Additional information about Stripe is available at https://stripe.com.
Depending on your location and the services being purchased, Stripe may support payment methods including:
Available payment methods may vary by country or region.
Service pricing is displayed before payment confirmation.
Depending on the selected service, pricing may include:
Applicable taxes, including GST where required, will be identified during checkout where appropriate.
The Platform may support different billing arrangements depending on the service, including:
Billing schedules and payment obligations will be communicated before payment is confirmed.
After successful payment:
Payment confirmation does not necessarily indicate approval, acceptance or completion of any application, assessment or partner service.
A payment may fail for various reasons, including:
Where payment is unsuccessful:
Users should contact their financial institution if payment issues continue.
Where subscription-based services are offered:
Users may cancel future renewals in accordance with the subscription terms.
Cancellation of future renewals does not automatically entitle users to refunds for services already provided.
Refund eligibility depends on the type of service purchased and the stage at which the service has progressed.
Refund requests should be submitted as soon as reasonably possible after the relevant payment.
Each request will be assessed fairly and in accordance with applicable laws and contractual obligations.
Where payment relates solely to services provided directly by Genutive, refund requests will be considered having regard to:
Applicable contractual obligations.
Australian Consumer Law.
Where a refund is approved, it will generally be processed using the original payment method where practicable.
Many services available through the Platform are delivered by independent partner organisations.
These may include:
Where payment relates to services delivered by a partner organisation, refund eligibility will generally be determined by the relevant partner’s refund policy, contractual terms and applicable legislation.
Genutive may assist in facilitating communication between users and partner organisations but does not determine or guarantee refund outcomes for partner-delivered services.
Government application fees, statutory charges, assessment fees or regulatory fees are generally non-refundable unless the relevant government authority or applicable legislation provides otherwise.
Users may request cancellation of services before work has commenced where permitted.
Cancellation requests should be submitted through the Platform or by contacting the relevant service provider.
Where services have already commenced, cancellation eligibility will depend upon:
Applicable legislation.
Administrative costs already incurred.
Cancellation does not automatically entitle a user to a refund.
If a payment dispute or chargeback is initiated through a financial institution or card issuer:
Genutive may request supporting documentation regarding the disputed transaction.
Fraudulent or abusive chargebacks may result in suspension or termination of Platform access where permitted by law.
Unless otherwise stated, payments will be processed in the currency displayed during checkout.
International payments may be subject to exchange rate fluctuations, foreign transaction fees or bank charges imposed by financial institutions.
Such charges are outside the control of Genutive.
Where required by applicable law, taxes such as Goods and Services Tax (GST) or other statutory taxes will be included or separately identified during the checkout process.
Users remain responsible for any taxes applicable in their own jurisdiction unless otherwise stated.
From time to time, Genutive may offer promotional pricing, discounts or special offers.
Unless expressly stated:
Protecting payment information is a priority.
Payments are processed using secure payment technologies provided by Stripe.
While Genutive takes reasonable steps to protect payment transactions, users are responsible for protecting their own account credentials and payment methods.
Nothing in this Payment & Refund Policy excludes, restricts or modifies any rights or remedies that cannot lawfully be excluded under the Australian Consumer Law or any other applicable legislation.
Where statutory consumer guarantees apply, those rights remain unaffected.
Genutive may update this Payment & Refund Policy from time to time to reflect changes in:
The latest version will always be published on the Genutive website.
Continued use of the Platform following publication of updates constitutes acceptance of the revised Policy.
If you have any questions regarding payments, billing, cancellations or refunds, please contact Genutive using the contact details published on our website.
Where your enquiry relates to services delivered by a partner organisation, Genutive may coordinate with the relevant organisation to assist in resolving your enquiry.