Legal Center

This Payment and Refund Policy governs the Payment Services CharlieTalk provides to Students and Tutors. Capitalized terms not defined here have the meaning given in our Terms of Service.

1. Key Terms

CharlieTalk Credits — virtual currency used to pay for Tutor Services on the Platform. Credits have no value outside CharlieTalk.
Lesson/Package Fees — the amount a Student owes for a confirmed lesson or lesson package. Tutors, not CharlieTalk, set these prices.
Platform Service Fees — the fee CharlieTalk charges Tutors for using the Platform.
Student Wallet / Tutor Wallet — accounts that hold each Member's Credits.
Payment Method — how a Student buys Credits (credit/debit card, PayPal, etc.).
Withdrawal Method — how a Tutor converts Credits to cash.

2. Lesson Contract

Once a Student and Tutor confirm a lesson's time and price, they've entered a contract: the Student agrees to pay, and the Tutor agrees to deliver, the lesson. Both parties agree to act in good faith. CharlieTalk may suspend, cancel, or otherwise intervene in this contract if needed to protect the integrity of the Platform.

3. For Students

Buying Credits. Use an accepted Payment Method to add Credits to your Student Wallet. Purchases are authorized charges to your payment method on file.
No Refunds on Purchases. Credit purchases are final — we don't offer refunds on Credits themselves.
Third-Party Fees. Your Payment Method provider may charge its own fees, which are outside our control.
Cancelled or Declined Requests. If a lesson request is cancelled, declined, or expires unconfirmed, you get a full Credit refund to your Student Wallet.
Confirming a Lesson. Marking a lesson "successful" confirms the Tutor delivered it and authorizes transferring your Credits to their Tutor Wallet.
Feedback. Leaving a rating or review is optional, but must be honest — no fraud, spam, or harassment through the feedback system.
Lesson Packages. Packages must be completed within 6 months of purchase. We'll remind both parties before expiration, and offer the option to extend. Unused sessions in an expired package settle at the single-lesson rate, with any remaining Credits returned to the Student.

4. About CharlieTalk Credits

• Credits are a payment tool, not a bank deposit — CharlieTalk isn't a bank, and Wallet balances aren't insured.
• Credits expire after 12 months of account inactivity, but can be reactivated once (within 12 months of expiring) by contacting support.
• Credits are valued in [Insert Base Currency]; we're not responsible for currency conversion losses from your card issuer or payment provider.
• Credits are only valid if purchased directly on CharlieTalk or through official partners — Credits from unofficial resellers may be cancelled without notice.

5. Subscriptions (if applicable)

If CharlieTalk offers paid subscriptions, they'll auto-renew each billing period until cancelled. Cancelling stops future charges but doesn't refund the current period — you keep access through its end. Manage or cancel subscriptions in your account settings.

6. Fraud and Security

We may limit transaction size or frequency to prevent fraud, and can void Credit purchases found to be fraudulent. We may correct erroneous or duplicate transactions by adjusting a Wallet balance or seeking reimbursement.

Friendly fraud — disputing a legitimate charge with your card provider to force a refund — is strictly prohibited. Accounts found doing this will be deactivated and Credits confiscated. If you believe a charge was made in error, contact us directly first.

7. Prohibited Activity

You agree not to use Payment Services to break the law, commit fraud, register a payment method that isn't yours, probe or bypass our security systems, or help anyone else do the same. Violations may result in loss of Platform access and, where applicable, legal action.

8. Tutor–Student Disputes

If a Tutor and Student disagree over a lesson, we encourage direct communication first. If CharlieTalk is asked to mediate, we may request records from both sides and will resolve the dispute at our discretion — including reversing a transaction, issuing a refund, or deciding who bears any related fees. Our decision is final.

9. Contact Us

Questions or requests about this Policy:

• Online Support: [Insert Support Link]
• Online Report Form: [Insert Report Form Link]
• Email: [Insert Support Email]