Payments, Refunds and Payouts — Pratiqo

Version: 1.0 · Last updated: May 2026

⚠️ Important: This document explains how marketplace payments work on Pratiqo: prices, fees, refunds, teacher payouts, holds, chargebacks, and taxes. It supplements the other applicable legal documents and is not legal, tax, accounting, or financial advice. Pratiqo is not a bank, a financial institution, or a tax advisor. Where mandatory law conflicts with anything below, the law prevails.

1. Purpose and scope

This Policy applies to marketplace lessons booked through Pratiqo between students and independent teachers.

It applies to students, teachers, parents and legal guardians, and anyone else involved in a booking, payment, or payout on Pratiqo.
It covers online payments, booking-related charges, refunds, teacher payouts, adjustments, and related dispute matters.
Payment processing is performed by third-party providers such as Stripe, subject to their own terms, fees, and card-network rules. Pratiqo does not itself handle funds as a banking institution.
This document supplements the other legal documents listed in section 16 and does not waive any mandatory rights of a consumer, an independent worker, or a parent.

2. Price display and currency

Lesson prices are shown before booking.

Where applicable, taxes, service fees, platform fees, or other charges may be displayed before payment.
Where a currency conversion is shown, it may be approximate unless explicitly stated otherwise. The final amount actually charged may differ slightly because of the exchange rate applied by the card issuer or the payment processor.
The final amount displayed at checkout at the time of confirmation governs the transaction. That amount is what is binding between the student and Pratiqo, subject to manifest errors or corrections required by law.
Pratiqo may show a default currency based on region; a student may be redirected to another currency depending on account or payment-method configuration.

3. Student payments

All payments related to a booking discovered through Pratiqo must be processed through Pratiqo's official booking and payment system.

Pratiqo may, subject to platform rules and applicable law, pre-authorize, charge, confirm, cancel, adjust, or reverse a payment.
A booking is not confirmed until payment has been accepted, any required fraud review has cleared, and, where applicable, the teacher has accepted the request.
Pratiqo does not guarantee immediate confirmation. A delay may apply for verification, identity checks, fraud review, teacher acceptance, or payment-method availability.
Students must provide accurate and up-to-date payment information and use a payment method they are authorized to use.

4. Teacher payouts

Teachers are independent service providers. Pratiqo acts as a technology intermediary that connects students with teachers and facilitates the collection and remittance of lesson payments.

Pratiqo may collect student payments and remit to the teacher the eligible amount, after deduction of platform fees, commissions, applicable taxes, refunds, disputes, chargebacks, payment-processor fees, and any other applicable adjustments.
The timing of a payout may depend on several factors: confirmation of lesson delivery, platform rules, the payment provider's schedule (e.g., Stripe), bank delays, fraud or risk review, account or identity verification, tax compliance, and applicable law.
Pratiqo's operational target is a 48-hour payment processing / validation delay after lesson completion before payout, subject to Stripe, banking, compliance, safety, and applicable-law constraints.
Pratiqo does not guarantee an immediate payout. Teachers should plan for reasonable delays and keep their profile and payout details up to date.
The teacher acknowledges that Pratiqo is not the teacher's employer, agent, mandatary, or bank, and that any payout received may be subject to subsequent adjustments in the cases set out in these or other applicable documents.

5. Platform fees and commissions

Depending on the service used, Pratiqo may charge a platform fee, service fee, commission, transaction fee, or subscription fee (e.g., the Pro Member membership).

Applicable fees and commissions may be disclosed in the teacher dashboard, at student checkout, in the contractual documents, on the subscription page, or elsewhere on the platform before a transaction is confirmed.
Fee structures may evolve. Subject to mandatory law, material changes apply prospectively and will be communicated by means consistent with applicable law where required.
Payment-processor fees (e.g., Stripe acquiring fees) may be added to or deducted from the relevant amounts under applicable rules. Card-issuer fees or foreign-exchange fees applied by the student's bank remain the student's responsibility.
Pro Member membership fees are governed by the Pro Member Terms and are distinct from lesson payments and lesson payouts. Where a reduced commission or a conditional retroactive commercial volume rebate is tied to Pro Member status, its terms are described in the Pro Member Terms and disclosed on the platform.

6. Cancellations and refunds

Eligibility for a refund or credit on a marketplace lesson is governed primarily by the Cancellation Policy.

Eligibility may depend, depending on the case and subject to applicable law, on:

the timing of the cancellation relative to the lesson start;
whether there was a teacher cancellation, a student cancellation, a no-show, a significant late arrival, or a delivery issue;
a technical issue not attributable to the student (platform fault, planned video-conferencing outage, etc.);
a safety issue or a breach of the Code of Conduct;
a duplicate charge, a payment error, or established fraud;
mandatory rights under Quebec's Consumer Protection Act or any other applicable law.

Where a refund is granted:

it is normally returned to the original payment method where technically possible;
processing times depend on the payment provider and the student's financial institution; expect a few business days up to several weeks;
the refund is processed in the currency of the original payment; any exchange-rate differences are not guaranteed by Pratiqo.

7. No-shows and late arrivals

Late arrivals and no-shows are handled subject to applicable law and the Cancellation Policy.

A student no-show or significant student late arrival may reduce or eliminate eligibility for a refund or rescheduling.
A teacher no-show or significant teacher-side late arrival may give rise to a refund, credit, rebooking, payout adjustment, or enforcement measures under the Teacher Terms and the Code of Conduct.
Items such as connection timestamps, booking logs, on-platform messages, and other available evidence may be used to assess a no-show or late-arrival situation.

8. Failed payments and payment errors

A payment may fail for many reasons (declined card, insufficient funds, expiry, 3DS challenge, fraud check, payment-provider issue, etc.).

A failed payment may prevent confirmation of a booking and lead to its automatic cancellation.
Pratiqo may, subject to applicable law, suspend, restrict, or remove access to certain features when a payment fails or remains unpaid.
Users must provide accurate and up-to-date payment information.
Any duplicate charge, amount error, currency error, or obvious payment error should be reported promptly to support@pratiqo.ca with useful supporting evidence (transaction id, date, amount, screenshots).

9. Disputes and chargebacks

Before opening a dispute with the card issuer, the user should first contact support@pratiqo.ca to attempt an internal resolution.

Following a chargeback or payment dispute, Pratiqo may, to the extent permitted by law:

pause a booking or an in-progress lesson;
review the account activity and transaction history;
suspend, hold, reverse, or adjust a payout related to the disputed transaction;
request evidence (messages, supporting documents, attendance logs, screenshots);
temporarily restrict the affected account.

A teacher may be liable for reversals, fees, or adjustments related to a chargeback where the dispute relates to that teacher's lesson, conduct, cancellation, no-show, or breach of the Code of Conduct or the Teacher Terms, to the extent permitted by law.

Pratiqo may, where useful and permitted, provide the payment processor or card issuer with factual information in support of a dispute response. Nothing in this Policy limits any rights provided by card-network rules or by applicable law.

10. Payout holds, adjustments, and reversals

Pratiqo may, to the extent permitted by law and under applicable policies, delay, hold, offset, reverse, or adjust a payout to a teacher, including in the following cases:

suspected or established fraud or abuse;
safety issue or student complaint;
alleged breach of the Terms, Teacher Terms, or Code of Conduct;
refund requested or granted to a student;
chargeback or bank dispute;
duplicate payment, payment error, or technical issue at the payment provider;
identity, verification, or tax compliance issue;
legal requirement, request from a competent authority, or court order;
any other situation where keeping the payout in place creates a real risk for Pratiqo, for a student, or for platform compliance.

Where required by law, Pratiqo communicates the reasonable grounds for a hold or an adjustment.

11. Fraud, abuse, and off-platform payments

The following are prohibited on Pratiqo, subject to applicable law:

off-platform payment solicitation for a booking discovered through Pratiqo (Interac e-Transfer, cash, bank transfer, other apps, other websites);
fake bookings, fake cancellations, and fake no-shows;
review manipulation, fabricated reviews, and reviews exchanged for benefits;
abuse of promotional codes, referral programs, or segment-restricted offers;
collusion between linked accounts (using multiple accounts to bypass a rule or divert a promotion);
use of unauthorized or stolen payment methods;
any conduct aimed at fee avoidance or commission avoidance.

A breach may, depending on the circumstances and applicable law, result in: booking cancellation, enforcement measures under the Code of Conduct, payout hold or reversal, account suspension or termination, and referral to the authorities where required or permitted by law.

12. Taxes

The tax treatment of marketplace lessons depends on the student's jurisdiction, the teacher's jurisdiction, the nature of the service, and applicable law.

Applicable taxes (GST, QST, HST, provincial taxes, foreign taxes) may be shown at checkout where required.
Teachers are responsible for their own tax obligations, returns, invoices, permits, and licences, except where Pratiqo expressly collects and remits a specific tax on their behalf.
Pratiqo may issue receipts, transaction summaries, or tax-related information where required by law or where supported by the platform.
Pratiqo does not provide tax advice. Teachers and students should consult their own professional advisors for personal or business tax obligations.

13. Pro Member and subscriptions

The Pro Member membership is a service distinct from marketplace lesson payments and payouts.

Pro Member membership fees are governed by the Pro Member Terms.
Pro Member cancellation and refund rules may differ from rules that apply to a marketplace lesson; cancelling a membership does not automatically generate a lesson refund, and vice-versa.
Pro Member fees cannot be offset against lesson payouts, unless Pratiqo expressly offers that feature or applicable law requires it.
Where Pro Member status is tied to a reduced commission or a rebate on marketplace lessons, the calculation method, caps, and any clawback conditions are described in the Pro Member Terms and disclosed on the platform, in the dashboard, at checkout, on the subscription page, or in the applicable plan details.

14. YoPratiqo and self-paced products

Purchases of YoPratiqo self-paced courses are governed by the YoPratiqo Refund Policy and the YoPratiqo terms.

The access, refund, satisfaction-guarantee, withdrawal-right, and minor-protection rules that apply to YoPratiqo may differ from those that apply to marketplace lessons.
A YoPratiqo purchase and a marketplace booking are separate transactions, even where they relate to the same user, and may be charged and refunded independently.

15. Reporting a payment issue

Any payment, refund, payout, or billing issue may be reported to Pratiqo.

How to report: by email to support@pratiqo.ca.
Useful information: booking id, payment date, amount, currency, last payment method used, screenshots or receipts, and a factual summary of the situation.
Review: Pratiqo may, to the extent permitted by law, review transactions, on-platform messages, and account history when assessing the report.
Safety: any safety or conduct issue must be handled under the Code of Conduct. In an emergency, contact emergency services first (911 in Canada) — Pratiqo is not an emergency service and cannot intervene physically.

For general inquiries: info@pratiqo.ca. For formal notices: marc-andre.theberge@pratiqo.ca.

16. Relationship with other policies

This Policy supplements and must be read together with the following documents:

the Terms of Service ("Terms");
the Teacher Terms;
the Cancellation Policy;
the Pro Member Terms;
the YoPratiqo Refund Policy;
the Code of Conduct;
the Privacy Policy.

If there is a conflict between this Policy and another Pratiqo document on an administrative, contractual, or financial matter, the document specific to that matter governs, subject to mandatory applicable law. Nothing in this Policy limits rights that cannot be validly waived by contract (including those under Quebec's Consumer Protection Act).

Cours Pratiqo Inc. — Saint-Georges, Québec, Canada

support: support@pratiqo.ca general: info@pratiqo.ca management: marc-andre.theberge@pratiqo.ca

This document was originally drafted in French in compliance with the Charter of the French Language of Québec. The English version is provided as a courtesy translation.