4.1      The Course Fee for any Online Course or Workshop at any given time and any additional delivery charges payable in relation to the delivery of Course Materials, if applicable, will be displayed on the Website and/or in a Brochure and/or will be notified to you by a ATI customer services representative.  

4.2      All amounts are payable in Pounds Sterling.   Any currency conversion costs or other charges incurred in making a payment shall be borne by you, and shall not be deductible from the amounts due to ATI

4.3      Unless otherwise specified in respect of a particular Online Course or Workshop, the Course Fee is payable either:

(a)   with a one-off lump-sum payment, payable with your purchase offer; or

(b)   in instalments, with payments being due at certain times over a set period of time, as specified on the Website and/or in a Brochure and/or as notified to you by an ATI customer services representative, with the first instalment being payable with your purchase offer.  Subsequent instalments will be automatically deducted from the debit/credit card you used to pay for the first instalment. By selecting an instalment payment plan, you acknowledge that the total Course Fee remains immediately due and payable in full, and that instalments are a courtesy to assist with cash flow and do not constitute a pay-as-you-go arrangement.

4.4      By choosing to pay the Course Fee in instalments in accordance with Clause 4.3(b), you agree that:

(a)   it is your responsibility to ensure that the instalment payments are made on the due dates;

(b)  ATI and/or its service providers are authorised to collect the instalment payments from the debit/credit card you used to pay for the first instalment when such instalments become due and payable; 

(c)   you will inform us by email at liz@antenatal-training.co.uk if you change your debit/credit card or if your debit/credit card expires or is no longer valid prior to your next instalment becoming due and payable;

(d)   Failure to make payment on the due date shall be considered a material breach of the Contract triggering ATI’s right to demand immediate full payment of all outstanding sums and:

(i)   unless otherwise agreed in writing by ATI you will lose the right to pay by instalments and all outstanding instalment amounts will become immediately due and payable; and

(ii)   without prejudice to any other rights it may have, ATI may suspend or cancel your access to the Online Course or Workshop until the remaining instalment amounts are paid in full;  

(iii) if you miss two consecutive instalments or if an instalment is overdue by more than 30 days, ATI reserves the right to escalate the matter to a third-party debt collection agency without further notice to you for recovery. You will be liable for all debt recovery costs, including but not limited to administrative fees, legal fees and third-party collection charges; and

(iv) late payments will incur interest at a rate of 8% per annum above the Bank of England base rate, calculated daily from the due date until the outstanding balance is paid in full. ATI further reserves the right to apply a fixed late payment fee of £40 in addition to interest charges in line with the Late Payment of Commercial Debts (Interest) Act 1998.

(e)   subject to Clause 5.1, where ATI takes action under Clause 4.4(d)(ii) or (iii), you will not be entitled to a refund of any amount already paid; and

(f)   if you cancel your order in accordance with Clause 5.1, you shall only be entitled to a refund of any amount paid prior to such cancellation.

(g)   modules will be released in equal amounts in accordance to the instalment schedule. If paying in full the entire course is released. 

(h)   At ATI discretion, we may agree to allow for instalment payments to be paused for a maximum of three months per course purchased. ATI reserve the right to charge an administration fee of £25, to pause instalment payments and £25 to reinstate instalment payments.  

4.5      The option of paying the Course Fee in instalments is offered subject to availability. Acceptance of your offer to purchase the Online Course or Workshop and pay the Course Fee by instalments is at the sole discretion of ATI.  ATI may withdraw the option of paying the Course Fee in instalments at any time in its sole discretion. Any such withdrawal shall not affect customers who have already purchased an Online Course or Workshop and are paying the Course Fee in instalments at the date of such withdrawal. Any change to instalment options shall not affect customers who have already enrolled, provided they remain in good standing and continue to make timely payments.

4.6      The total amount paid for any Online Course or Workshop may differ depending on whether the Course Fee is paid for with a one-off lump sum payment or in instalments.

4.7      Where the Course Fee is paid for:

(a)   with a one-off lump sum payment, payments will be accepted by:

(i)   Stripe or other online payment processor

(ii)   credit card (including Visa, MasterCard and American Express) or debit card (including Visa Electron, Delta and Maestro); or

(iii)   bank transfer, which will need to be arranged directly with us over the telephone (please see the contact page for contact details)

(b)   in instalments, payments will only be accepted by Stripe or other online payment processor.

4.8      In the unlikely event that your purchase offer was accepted at a time when the amount of the Course Fee displayed on the Website and/or in any Brochure is incorrect, ATI will notify you as soon as it reasonably can.  If the correct amount of the Course Fee is higher than the amount displayed on the Website and/or in any Brochure, then ATI will contact you to notify you of the correct Course Fee, so you can decide whether or not you wish to continue with your order of the Online Course or Workshop at the increased Course Fee.  If you decide that you would like to cancel your order, ATI will give you a full refund in respect of any amount you have already paid.  If the correct Course Fee is lower, ATUK will refund you the difference between the amount which you have paid and the correct Course Fee payable.

4.9      At the discretion of ATI, you may 

(a)   Transfer to another course. No refunds will be given if the value of the new course is lower than that of the originally purchased course, and there is a positive balance. 

(b)   Where the cost of the new course is lower than the originally purchased course and there is still an outstanding amount, this becomes the remaining balance owed.

(c)  ATI reserves the right to charge a £50.00 administration fee for adjustment to your course. 

(d)   You are required to ensure the course meets your current and future needs, including that of further study prior to enrolling. No refunds or adjustments will be made if the course is later to be found unsuitable for your needs. 

4.10      Payment via Subscriptions / Instalments

(a)   Where payment has been chosen to be made by instalment an automatic subscription is set up through Stripe or other online payment processor. Depending on your course the payment amount frequency and duration will be as described on the course description page at the time of signing up.  Failure to maintain an active payment method will result in automatic suspension of course access and will trigger debt recovery procedures in accordance with clause 4.4 above.

(b)   If a student transfer courses the Stripe or other online payment processor subscription will be adjusted to reflect the new courses’ current price, instalment amount, and duration as listed on the course description page at the time of transfer.