GME | International Education Group

GME Global Payment Terms, Refund Policy, Payer Declaration and Chargeback/Dispute Policy

Operated by: Global Education Management Services LLC FZ, trading as GME ("GME").

Applies to: All payments collected by GME globally — including (without limitation) GME's operations in Uzbekistan — through any channel, platform, brand, payment link, checkout page or payment route, and to all current and future approved University of Greenwich programmes delivered by GME.

Version: 1.1 — Last updated: June 2026

Important: This page should be reviewed and approved by a qualified lawyer in each relevant jurisdiction before publication. Placeholders marked [ ... ] must be completed by GME. Nothing in this document is intended to override any mandatory consumer-protection law, statutory right or card-network rule that applies to you.

Plain-English Summary (Please Read First)

Before you pay, here are the key points in simple language. The full terms below add detail, but in short:

Who collects your payment. Payments are collected by Global Education Management Services LLC FZ, trading as GME. Paying GME is not always the same as paying a university, awarding body or partner institution directly. GME acts as an official franchise partner, authorised programme operator and/or education services provider, depending on the service.
Why accurate details matter. Please enter the correct student name, reference/ID, programme, intake and amount. Wrong or missing details can delay or misallocate your payment, and GME is not responsible for problems caused by inaccurate information you provide.
Payment alone does not guarantee a place. Receiving your payment does not by itself guarantee admission, enrolment, visa success, university registration, progression, an award, or partner-institution acceptance. All academic, admissions, document, compliance and payment requirements must be met.
Refunds depend on the stage of service. Whether a payment can be refunded — and how much — depends on the type of payment, the timing, whether work has already been done (for example application review, onboarding, system access or teaching) and any costs already incurred. Some fees are non-refundable. We do not say "no refunds ever", and your mandatory legal rights still apply.
Talk to GME first. If something looks wrong, or you do not recognise a charge, please contact GME before raising a bank dispute or chargeback. Most issues are resolved faster and more easily by contacting us directly.

A short, friendly summary cannot cover everything. The full terms below apply.

1. Introduction and Scope

These GME Global Payment Terms, Refund Policy, Payer Declaration and Chargeback/Dispute Policy (the "Terms") govern every payment made to GME, by any person, through any route.

These Terms apply to all payments made to GME through, without limitation: websites and web pages; online programme portals and university pathway websites; partner institution recruitment pages; payment links (including Stripe Payment Links); hosted checkouts (including Checkout Page); HubSpot-generated communications and offer letters; PandaDoc or DocuSign document and signature flows; emailed or system-generated invoices; bank transfers; card payments; physical or in-centre payments; and any other online or offline payment route approved or operated by GME.

These Terms apply to payments made through, or in connection with, GME-operated and GME-supported platforms and brands, including but not limited to: gmeeducation.com; GME Education; FinanceTopUp.com (operated globally and online, in every territory and through every online channel in which it is made available); MyFinance.com (where applicable); online programme portals; university pathway websites; partner institution recruitment pages; and any other GME payment link or checkout page. Payments collected through FinanceTopUp.com are collected by GME and are governed by these Terms wherever in the world the Payer is located and however the payment is initiated.

By making a payment, or by ticking the acceptance box, submitting a form, signing electronically, using a payment link or proceeding through any GME-approved payment route, you confirm that you have read, understood and accepted these Terms. If you do not accept these Terms, please do not make payment, and contact GME instead.

These Terms apply globally to all territories, jurisdictions, campuses, centres, partner institutions, online platforms and student recruitment channels where GME operates or may operate — including, for the avoidance of doubt, GME's operations, centres, partner arrangements, recruitment activity and online delivery in Uzbekistan — and to physical, online, hybrid, blended and distance delivery models, whether delivered directly, through partner institutions, through franchise arrangements, through recruitment channels or through other approved delivery arrangements. The express reference to Uzbekistan is illustrative of where GME operates and does not limit the global application of these Terms to all other territories in which GME operates or may operate.

2. Definitions

In these Terms, the following words have the following meanings:

GME — Global Education Management Services LLC FZ, trading as GME, including its authorised operations, brands, platforms, partners and agents acting on its behalf.
Student — the individual named as the applicant or enrolled person to whom a payment, application, account, invoice or programme relates.
Payer — any person who makes a payment to GME, whether or not they are the Student.
Third-Party Payer — a Payer who is not the Student, including (without limitation) a parent, guardian, relative, sponsor, employer, agent or other person paying on a Student's behalf.
Programme — any education programme, course, pathway, module, training, qualification route or education-related service offered, operated, supported or facilitated by GME, including any current or future University of Greenwich programme approved to be delivered by GME.
Partner Institution — any university, college, awarding body, academic partner, delivery partner, franchise partner, recruitment partner or other institution with which GME works to deliver, support, recruit for or administer a Programme.
Online Services — any digital element of a Programme or service, including online portals, virtual learning environments ("VLE"), recorded or live online teaching, online assessment support, digital onboarding, email support and student platform access.
Physical Delivery — teaching, support or services delivered in person at a campus, centre or other physical location.
Hybrid Delivery — a combination of Physical Delivery and Online Services, including blended and distance-supported models.
Payment — any sum paid or payable to GME of any of the types listed in Section 0 (Covered Payment Types) below or otherwise collected by GME.
Fees — any amount charged by GME in connection with a Programme or related service.
Offer Letter — any offer, conditional offer, admission letter, fee schedule, invoice or similar document issued or generated by GME or on GME's behalf (including via HubSpot, PandaDoc or DocuSign).
Enrolment — the formal recording of a Student onto a Programme after applicable requirements are met; distinct from mere payment.
Onboarding — the activation and set-up of a Student's records, accounts, access and administrative processing.
Service Commencement — the point at which GME begins providing services, as defined in Section 12.
Chargeback — a request by a Payer to their bank or card issuer to reverse a card payment, and any equivalent dispute, reversal or claim raised through a bank, card scheme or payment provider.

0. Covered Payment Types

These Terms apply to all Payments collected by GME, including but not limited to: (1) application fees; (2) registration fees; (3) admissions processing fees; (4) programme deposits; (5) tuition fees; (6) tuition instalments; (7) balance payments; (8) late payment fees; (9) administrative fees; (10) assessment fees; (11) examination fees; (12) resit and reassessment fees; (13) partner institution support fees; (14) online learning / VLE access fees; (15) local academic support fees; (16) digital onboarding fees; (17) document processing fees; (18) certification or transcript-related fees where applicable; (19) visa support, compliance, courier, banking, card processing or third-party service charges where applicable; (20) recruitment, pathway, progression, academic support or student-account payments; and (21) any other education-related, programme-related, pathway-related, recruitment-related, training-related, assessment-related, administrative or student-account payment collected by GME.

3. Identity of Merchant / Payment Collector

Payments are collected by Global Education Management Services LLC FZ, trading as GME.

GME is the merchant of record for payments processed through its payment routes. Payment to GME does not necessarily mean direct payment to any university, awarding body, partner institution or third-party provider, unless GME expressly states otherwise in writing.

Depending on the service, GME may collect Payment in one or more of the following capacities: as an official franchise partner; as an authorised programme operator; as an education services provider; as a recruitment or support provider; as a pathway provider; or as a payment collection entity for relevant services. The capacity in which GME collects a particular Payment does not change the application of these Terms.

4. University of Greenwich Franchise Programme Clarification

GME is the official franchise partner for relevant University of Greenwich programmes and may collect Payments in relation to those franchise Programmes and other education-related services. These Terms apply to any and all University of Greenwich programmes — current or future — that are approved to be delivered by Global Education Management Services LLC FZ (trading as GME), whether delivered directly, through partner institutions, through franchise or other approved arrangements, and whether delivered physically, online, in hybrid or blended form, or by distance learning, in Uzbekistan or in any other territory.

Payments may relate to any relevant or approved University of Greenwich Programme delivered through GME-approved direct, partner, physical, online or hybrid arrangements. GME may collect Fees for, without limitation: application; admissions support; tuition; academic administration; local delivery support; online support; programme access; student onboarding; and related services. As further University of Greenwich programmes are approved for delivery by GME from time to time, these Terms apply to those programmes automatically without the need to re-publish this page, subject to any programme-specific terms (see Section 38).

Final academic admission, registration, progression, assessment outcomes and awards in relation to University of Greenwich programmes remain subject to the University of Greenwich's own rules, requirements and decisions, and cannot be guaranteed by GME alone. See Sections 19 and 20.

5. Global, Online, Physical and Partner Delivery

These Terms apply globally and to all delivery models, including Online Services, Physical Delivery, Hybrid Delivery, blended and distance learning.

You acknowledge that the Student, the Payer, GME, the relevant university, the Partner Institution, the payment processor, the teaching location and the academic support team may each be located in different jurisdictions.

Refunds, Chargebacks, Onboarding, tuition delivery, partner services, academic support, digital access and administrative processing may be governed by a combination of: these Terms; Programme-specific rules; university and/or Partner Institution requirements; payment processor and card-network rules; and mandatory applicable law. Where these sources interact, the more specific terms may apply, and mandatory law prevails over any conflicting provision (see Sections 37 and 38).

6. Accuracy of Student and Payer Information

When making a Payment, the Payer must provide accurate and complete information, including: Student full name; Student reference / ID; Student email; Programme; intake; amount; Payer name; Payer email; Payer phone number; and payment details.

GME relies on the information provided to verify, reconcile and allocate Payments. GME is not responsible for delays, misallocation, holds or administrative issues caused by incorrect, incomplete, mismatched or outdated information provided by the Payer or Student. Where information is missing or inconsistent, GME may hold the Payment pending clarification (see Sections 9 and 11).

7. Authority to Pay

By making a Payment, the Payer confirms that:

they are the authorised user of, or are otherwise lawfully permitted to use, the payment method or account used; and
the Payment is made willingly and with proper authority; and
where the Payer is not the Student, the Payer is authorised to make Payment on behalf of the named Student and authorises GME to allocate the Payment to that Student's application, account, invoice or Programme.

GME may rely on these confirmations in good faith and is entitled to treat the Payment as validly authorised and allocated.

8. Third-Party Payer Declaration

These Terms apply equally to Third-Party Payers, including parents, guardians, relatives, sponsors, employers, agents and any other person paying on a Student's behalf.

A Third-Party Payer acknowledges that, by making Payment, they intend the Payment to be applied to the named Student's application, account, invoice or Programme. A Third-Party Payer has no automatic right to reverse, reclaim or dispute a validly authorised and correctly allocated Payment merely because they are not the Student, except where reversal is required by mandatory law or applicable card-scheme rules.

If a Third-Party Payer has any question, dispute or change of circumstances, they should contact GME first (see Section 22) so the matter can be reviewed before any Chargeback is raised.

9. Payment Purpose and Allocation

GME allocates Payments according to the Student details and payment metadata provided, together with Offer Letters, invoices, fee schedules and GME's internal records.

If the amount paid does not match the relevant Offer Letter, invoice or expected Fee, GME may, at its reasonable discretion: treat the Payment as a partial Payment toward the Student's account; hold the Payment pending clarification; or contact the Payer for further information. GME may also apply Payments to the oldest or most relevant outstanding Fee where appropriate, subject to applicable law.

10. Payment Does Not Automatically Confirm Admission or Enrolment

Receipt of Payment alone does not guarantee any of the following: admission; Enrolment; visa or immigration success; academic progression; timetable or session access; final university registration; an award or qualification; certification; any immigration outcome; or Partner Institution acceptance.

Such outcomes depend on all applicable academic, admissions, documentation, compliance and payment requirements being satisfied, and on the decisions of relevant universities, awarding bodies, Partner Institutions and authorities. Payment is one step in the process, not a guarantee of outcome.

11. Verification, Reconciliation and Allocation Period

After a Payment is made, GME may require 2–3 working days, or longer where reasonably necessary, to verify, reconcile and allocate the Payment to the correct Student account.

Additional time may be required for, without limitation: international payments; mismatched or missing references; Third-Party Payer payments; partial payments; currency-conversion matters; and compliance, identity or fraud checks. A Payment may show as received before it is fully reconciled and allocated; reconciliation does not change the date the Payment was received.

12. Commencement of Services

"Service Commencement" is defined broadly but fairly, and means the point at which GME begins providing services in connection with a Student or Payment. Service Commencement includes, without limitation, any of the following:

application review and assessment;
admissions processing;
document review and verification;
issuing, reviewing or amending an Offer Letter;
Student Onboarding;
creation or activation of Student records or accounts;
granting access to online systems, portals or the VLE;
timetable planning or scheduling;
academic support or guidance;
partner or university coordination;
compliance, identity or eligibility checks;
visa or immigration support work;
teaching, including live or recorded sessions;
administrative processing; or
communication with universities or Partner Institutions on the Student's behalf.

Service Commencement is relevant to refund eligibility (see Sections 13–21). Services may commence shortly after Payment and before any teaching begins.

13. Refund Policy Overview

GME operates a staged refund framework. GME does not operate a "no refunds ever" policy, and your mandatory legal rights are unaffected.

Whether a Payment is refundable, and how much may be refunded, depends on a combination of factors, including: the type of Payment; the timing of the refund request; whether and to what extent services have commenced (see Section 12); the work already performed (such as application review, admissions work, Onboarding, document issuance, system or VLE access, and teaching); charges already incurred to universities, Partner Institutions or third parties; administrative work undertaken; and costs already incurred by GME.

In general, the further along the process a Payment is, and the more work or cost GME has incurred, the smaller any available refund is likely to be. Specific rules for particular Payment types are set out below.

14. Non-Refundable or Normally Non-Refundable Items

Subject to mandatory applicable law, the following may be non-refundable, or may be deducted from any refund to reflect work done and costs incurred:

application fees;
admissions processing fees;
administrative fees;
banking charges and intermediary bank fees;
card processing and payment-gateway fees;
third-party fees and disbursements;
document processing fees;
assessment or application review fees;
onboarding costs;
system, portal or VLE access fees once access has been granted; and
any services already performed.

Where a fee is described as non-refundable at the point of payment, in an Offer Letter, invoice or fee schedule, that designation applies subject to mandatory law.

15. Deposit Refund Rules

Programme deposits perform important functions: they may reserve Programme capacity, secure administrative processing, activate services and trigger costs to GME and to third parties.

A deposit may be refundable only in accordance with the applicable Offer Letter, invoice, refund schedule or written policy in force at the time of Payment. A deposit may become non-refundable (in whole or in part) after specified stages, which may include, without limitation: offer acceptance; expiry of a stated deadline; Onboarding; registration; document issuance; Partner Institution or university processing; or Service Commencement.

Where applicable law gives a Student or Payer a mandatory right to cancel within a defined period, that right is preserved.

16. Tuition Fee Refund Rules

Tuition Fee refunds are assessed against the stage reached at the time of the refund request and the work and costs incurred. GME will complete the percentage figures in the table below; until completed, the figures are placeholders only and do not represent a binding entitlement.

Stage reached at time of refund requestIndicative refund of tuition (placeholder — GME to complete)Before application processing starts[ e.g. up to 100% less non-refundable fees ]After application review begins[ % ]After offer acceptance[ % ]After Enrolment or Onboarding[ % ]After online / VLE / system access granted[ % ]After academic support starts[ % ]After teaching starts[ % ]After partner or university registration[ % ]After visa / support / administrative work begins[ % ]After withdrawal, non-attendance or failure to provide documents[ % ]

Notes:

Non-refundable items (Section 14), deposits (Section 15) and third-party or university charges already incurred may be deducted before any tuition refund is calculated.
Where more than one stage has been reached, the stage representing the greatest extent of service / cost normally applies.
Programme-specific terms in an Offer Letter or invoice may set different figures and, to that extent, prevail (see Section 38), subject to mandatory law.

17. Withdrawal, Deferral and Non-Attendance

Withdrawal from a Programme, deferral to a later intake, or non-attendance does not automatically entitle the Student or Payer to a refund.

Any refund depends on the applicable refund policy, the stage of service reached (Section 12), the relevant Payment type and the costs incurred. Where a deferral is agreed, GME may carry Payments forward, in whole or in part, to the deferred intake rather than issuing a refund, subject to the applicable policy and any university or Partner Institution requirements.

18. Refusal of Admission / Failure to Meet Requirements

If a Student fails to meet applicable academic, English-language, documentation, compliance, visa, payment or university/Partner Institution requirements, the application or Enrolment may be declined, paused or withdrawn.

In such cases, GME may deduct reasonable processing, administrative and service costs for work already completed (such as application review, admissions work, document handling, Onboarding and partner coordination) before issuing any refund. Where no recoverable work has been done and mandatory law requires it, eligible amounts may be refunded. Where a refusal results from inaccurate, incomplete or fraudulent information provided by the Student or Payer, further deductions may apply, subject to law.

19. External Approval Disclaimer

GME cannot guarantee, and does not promise, any of the following: visas; immigration outcomes; government or regulatory approvals; university decisions; Partner Institution decisions; recognition decisions; transfer or credit decisions; assessment outcomes; professional recognition; graduate outcomes; employment outcomes; or any other external or regulatory approval.

These outcomes are determined by third parties — including universities, awarding bodies, Partner Institutions, professional bodies, regulators and government authorities — applying their own criteria. The absence of any such outcome does not, by itself, create an automatic right to a full refund; refund eligibility is determined under these Terms and the applicable policy.

20. University / Partner Decision Disclaimer

Final academic admissions, registration, progression, awards, assessment outcomes, examination decisions, recognition decisions and university/Partner Institution approvals may be subject to the rules and decisions of the relevant university, awarding body or Partner Institution.

GME facilitates, supports and administers Programmes but does not control, and cannot guarantee, these academic decisions solely by itself. Where such decisions affect a Student, refund eligibility is assessed under these Terms and the applicable policy, taking into account work done and costs incurred.

21. Online and Digital Services

For Online Services and digital delivery, the granting of access to, or use of, digital services may constitute Service Commencement and may affect refund eligibility.

This includes, without limitation: online account or portal access; digital Onboarding; VLE access; recorded teaching; live online teaching; online academic or assessment support; email support; and student-platform activation. Where digital access or onboarding has been granted or used, the relevant services may be treated as commenced even if the Student has not actively logged in, downloaded materials or attended sessions, subject to mandatory law.

22. Chargeback and Bank Dispute Policy

Please contact GME first before raising any bank dispute or Chargeback. Most payment issues — including unrecognised charges, duplicate payments, amount queries, allocation questions and refund requests — can be resolved faster and more easily by contacting GME directly at [INSERT DISPUTES / FINANCE EMAIL] and quoting the Student name and reference.

Raising a Chargeback in respect of a valid, authorised and correctly allocated Payment may: delay services to the Student; place the Student account on hold; and require GME to submit evidence to the bank or card network to defend the Payment. This can take longer than resolving the matter directly with GME.

Nothing in this Section removes any mandatory right you may have under applicable law or card-scheme rules to dispute a payment; GME asks only that you contact GME first so the matter can be reviewed and, where appropriate, resolved without a Chargeback.

23. Consequences of Improper Chargebacks

If a valid, authorised and correctly allocated Payment is reversed through a Chargeback, then, subject to applicable law:

the Student account may show an outstanding balance equal to the reversed amount;
services may be suspended or paused;
access to systems, the VLE, sessions or support may be placed on hold;
documents (such as certain letters, confirmations or transcripts) may be withheld where lawful to do so;
GME may seek to recover the unpaid amount, together with reasonable administrative costs, third-party costs incurred and any dispute or Chargeback fees charged to GME, where lawful; and
GME may rely on its evidence (see Sections 24 and 42) to defend the Payment with the bank or card network.

These consequences are intended to address improper or mistaken Chargebacks on valid Payments and do not apply to refunds properly due under these Terms or mandatory law.

24. Evidence of Acceptance

By doing any of the following, the Payer confirms acceptance of these Terms: ticking the checkout acceptance box; submitting the form; signing electronically; completing payment; using a payment link; paying an invoice; or otherwise proceeding through any GME-approved payment route.

To verify Payments, defend disputes and administer Programmes, GME may rely on (and retain) records including, without limitation: Stripe records; Checkout Page records; HubSpot records; PandaDoc and DocuSign records; IP address and timestamp; the Offer Letter; the invoice; email records; payment metadata; Student details; the audit trail; receipts; service and access records; and communications between GME, the Payer, the Student and any university or Partner Institution.

25. Electronic Acceptance and Legal Effect

The Payer agrees that electronic acceptance is intended to be legally binding to the fullest extent permitted by applicable law. This includes, without limitation: clickwrap acceptance; checkbox acceptance; typed-name acceptance; electronic and digital signatures; online form submission; and confirmation by completing payment.

Such electronic acceptance has the same effect as a handwritten signature to the extent permitted by applicable law, and the Payer agrees not to dispute the validity or enforceability of these Terms solely on the basis that they were accepted electronically.

26. Cardholder Recognition / Statement Descriptor

Card or bank statements relating to a Payment may show a descriptor such as "GME", "GME Education", "GME Greenwich", "FinanceTopUp" or a similar identifier [CONFIRM EXACT DESCRIPTOR(S)].

If you do not recognise a transaction, please contact GME first at [INSERT EMAIL / PHONE], quoting the date, amount and any reference, before disputing it with your bank or card issuer. Many "unrecognised" charges are simply our descriptor, and we can confirm and explain the Payment quickly.

27. Refund Request Procedure

To request a refund, please email [INSERT REFUNDS EMAIL] with the following:

Student name and reference / ID
Payer name (and relationship to the Student, if a Third-Party Payer)
Payment date
Amount paid and currency
Reason for the refund request
Supporting evidence (for example receipt, Offer Letter, invoice, correspondence)

GME will acknowledge the request and aim to provide a substantive response within [INSERT TIMEFRAME, e.g. 10–15 working days], subject to the checks described in Section 28. Approved refunds are normally returned to the original payment method used for the Payment, unless that is not possible, in which case GME will agree an alternative lawful method with the Payer.

28. Processing Time for Refunds

Where a refund is approved, the time taken to complete it may vary due to: internal review and approval; reconciliation with universities or Partner Institutions; payment-processor timelines; bank processing times; compliance and identity checks; and currency or international banking matters.

GME will process approved refunds without undue delay and within any timeframe required by mandatory law, but cannot control timelines applied by banks, card schemes, intermediary banks or payment processors.

29. Currency, Exchange Rate and Bank Charges

Exchange rates, international bank charges, card fees, intermediary bank fees, payment-gateway fees and currency-conversion differences are set and applied by banks, card schemes and processors and are not controlled by GME.

As a result: the amount GME receives may differ from the amount the Payer sent; any refund may be affected by exchange-rate movements between the date of Payment and the date of refund; and such charges and differences may not be refundable, subject to mandatory law. GME is not responsible for losses arising solely from currency fluctuation or third-party banking charges.

30. Fraud, Misuse and Suspicious Payments

To protect Students, Payers and GME, GME may hold, review, refund, decline, request documents for, or report any Payment where it reasonably suspects, without limitation: fraud; mismatched or unverifiable cardholder details; unauthorised payment attempts; duplicate payments; excessive or repeated payment attempts; money-laundering or sanctions concerns; or other unusual or suspicious payment activity.

GME may take such steps before, during or after Service Commencement, and may cooperate with banks, card schemes, processors, regulators and law-enforcement authorities where appropriate or required by law.

31. Duplicate or Incorrect Payments

If a Payment is duplicated, overpaid, underpaid or incorrectly referenced, GME will, after verification and reconciliation, handle it as follows, subject to applicable law:

Duplicate payments / overpayments: the excess may be refunded to the original payment method or, with agreement, credited to the Student account.
Underpayments: the shortfall remains payable, and GME may treat the amount received as a partial Payment.
Incorrectly referenced payments: GME may hold the Payment until the correct Student and Programme are confirmed.

Any refund or credit may be subject to bank and card costs, currency differences and reconciliation checks (see Sections 28–29).

32. Instalments and Late Payments

Where an instalment plan is offered or agreed, each instalment is a binding payment obligation, and agreeing to a plan does not reduce the total Fees due.

Late or missed payments may, subject to applicable law and any cure period: attract late payment fees; and affect Enrolment, system or VLE access, registration, progression, certification, support, continuation of services or the release of documents where lawful. GME will, where reasonable, contact the Student or Payer before taking such steps, but is not obliged to provide services while payments are overdue.

33. Programme Changes, Cancellation or Force Majeure

GME may need to change, reschedule, relocate, move online, suspend or cancel a Programme or service due to circumstances including, without limitation: university or Partner Institution requirements; regulatory or compliance issues; low enrolment; force majeure; political instability; sanctions; banking or payment restrictions; platform, software or internet disruption; health emergencies; travel disruption; war or civil unrest; supplier failure; or other events beyond GME's reasonable control.

Where this materially affects a Student, GME will, acting reasonably and subject to university/Partner Institution rules and applicable law, offer one or more fair remedies, which may include: an alternative intake or schedule; deferral; a credit toward Fees; or a refund of the affected, undelivered portion of Fees, taking into account work done and costs incurred.

34. Communications and Notices

GME's official communication channels are [INSERT OFFICIAL EMAIL DOMAIN(S), PORTAL AND/OR PHONE]. GME may communicate by email, through its portals and platforms (including HubSpot, PandaDoc and DocuSign flows) and by other channels notified to the Student or Payer.

The Student and Payer must keep their contact details accurate and up to date and must check their email (including spam/junk folders) regularly. GME is not responsible for the consequences of communications not being received due to incorrect or outdated contact details or filtering by the recipient's email provider.

35. Data Protection and Privacy

GME processes personal and payment data in accordance with its Privacy Policy, available at [INSERT PRIVACY POLICY URL], and applicable data-protection law.

Payment and Student data may be used for, without limitation: payment processing; reconciliation and allocation; compliance and regulatory checks; fraud prevention and detection; identity verification; dispute and Chargeback defence; Programme administration; and communication with universities, Partner Institutions, payment processors, banks and card schemes where necessary. Where GME shares data with such parties, it does so only as permitted by its Privacy Policy and applicable law.

36. Limitation of Liability

To the fullest extent permitted by applicable law, and subject to the mandatory rights set out below:

GME's total aggregate liability arising out of or in connection with a Payment or the related services shall not exceed the total amount actually paid to GME by the Payer for the relevant service;
GME shall not be liable for indirect, incidental, special or consequential losses, or for loss of opportunity, loss of expected outcomes (such as visa, admission, progression or employment outcomes) or losses arising from third-party decisions; and
nothing in these Terms excludes or limits GME's liability where it cannot lawfully be excluded or limited, including (where applicable) liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that mandatory law does not permit to be excluded.

Your mandatory statutory and consumer rights are not affected by this Section.

37. Governing Law and Jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or any Payment, are governed by [INSERT GOVERNING LAW — GME TO CONFIRM WITH LEGAL ADVICE], and the parties submit to [INSERT COURTS / DISPUTE FORUM — GME TO CONFIRM WITH LEGAL ADVICE].

This Section does not deprive a Student or Payer of the protection of any mandatory consumer-protection law, or of rights to bring proceedings in a forum, that cannot be excluded by agreement under the law applicable to them. GME must confirm the appropriate governing law and jurisdiction with qualified legal advisers before publication; do not rely on these placeholders.

38. Conflict with Offer Letter / Programme-Specific Terms

If a Programme-specific Offer Letter, invoice, university rule, Partner Institution rule or other written agreement contains more specific payment, fee or refund terms, those more specific terms may apply in addition to or instead of these general Terms for that Programme or Payment.

In the event of conflict, the order of precedence is normally: (1) mandatory applicable law and card-scheme rules; (2) Programme-specific written terms (such as the Offer Letter or invoice); and (3) these general Terms. GME will seek to interpret all such documents consistently wherever possible.

39. Final Acceptance Statement (Checkout)

The following statement is presented at checkout for acceptance before payment:

"I confirm that I have read, understood and accepted the GME Global Payment Terms, Refund Policy and Payer Declaration before making payment. I understand that payment is collected by Global Education Management Services LLC FZ, trading as GME, in relation to the relevant programme and that I must contact GME before raising any bank dispute or chargeback."

40. Short Stripe / Checkout Page Description

Payment to Global Education Management Services LLC FZ (GME). By paying you accept GME's Payment Terms & Refund Policy. Refunds depend on the stage of service; some fees are non-refundable. Contact GME before any chargeback. (Under 250 characters.)

(Character count is within 250; confirm in your processor's field.)

41. Confirmation Page Message (Post-Payment)

Thank you — your payment has been received.
A receipt will be sent to your email shortly. Please allow 2–3 working days for us to verify, reconcile and allocate your payment to the correct student account; international payments or mismatched references may take a little longer. If anything looks incorrect, or you do not recognise the charge, please contact us at [INSERT EMAIL] before raising a dispute with your bank — we can usually resolve it quickly. Please keep your receipt and student reference for your records.

42. Chargeback Evidence Checklist (Internal — GME Use)

For every Payment, GME should retain the following evidence to support dispute defence:

Offer Letter (HubSpot/PandaDoc/DocuSign as applicable)
Checkout acceptance record (checkbox / clickwrap)
Version of Terms accepted (number + date)
Stripe payment ID / charge ID
Checkout Page payment record
Student name and reference / ID
Payer details (name, email, phone, relationship)
IP address and timestamp of acceptance/payment
Receipt issued to Payer
Invoice / fee schedule
Full email trail with Student/Payer
Proof of services delivered (and dates)
Onboarding / account activation logs
System / portal / VLE access logs
Refund or dispute correspondence
Signed documents (if any)
Partner / university communications (where relevant)
Statement descriptor confirmation
Notes on any clarification, hold or partial allocation

Legal Review Note

This document is a comprehensive draft template. It has not been tailored to the laws of any specific jurisdiction. GME should have this page reviewed and approved by a qualified lawyer in each relevant jurisdiction (including for consumer-protection, distance-selling/cooling-off, electronic-acceptance, data-protection and education-regulation compliance) and should confirm all placeholders, the statement descriptor, governing law and jurisdiction, and the refund percentages, before publishing it or linking it at checkout.

Because GME operates in Uzbekistan and collects payments there and through FinanceTopUp.com globally and online, GME should additionally confirm with qualified local advisers, before publication: (1) Uzbek consumer-protection and distance-selling rules, including any mandatory cancellation/cooling-off period and how it interacts with the "Service Commencement" provisions; (2) Uzbek education and licensing requirements applicable to delivering University of Greenwich programmes locally and to the description of GME's role; (3) the validity and formalities of electronic acceptance and electronic signatures under applicable Uzbek law; (4) data-protection, data-localisation and cross-border data-transfer requirements relevant to processing student and payment data; (5) currency, foreign-exchange and payment-processing rules affecting cross-border collection and refunds; and (6) whether any provision (such as governing law, jurisdiction or limitation of liability) is enforceable against consumers under applicable law. The same checks should be repeated for any other territory into which GME expands.

Additional Deliverables (A–F)

A. Short Checkbox Label (Checkout Page)

☐ I have read and accept GME's Payment Terms & Refund Policy, and I'll contact GME before any bank dispute.

B. Longer Checkbox Label (High-Value Payments)

☐ I confirm I am authorised to make this payment and that I have read, understood and accepted the GME Global Payment Terms, Refund Policy and Payer Declaration. I understand payment is collected by Global Education Management Services LLC FZ (trading as GME); that payment alone does not guarantee admission, enrolment, visa or university registration; that refunds depend on the stage of service and that some fees are non-refundable (subject to my legal rights); and that I will contact GME before raising any bank dispute or chargeback.

C. Stripe Product / Payment Description (Under 250 Characters)

(229 characters — verify in Stripe's field before saving.)

D. Post-Payment Confirmation Message

Payment received — thank you. A receipt is on its way to your email. Please allow 2–3 working days for us to verify, reconcile and allocate your payment to the correct student account (international or mismatched-reference payments may take longer). If anything looks wrong or you don't recognise the charge, email [INSERT EMAIL] before contacting your bank — we can usually fix it fast. Please keep your receipt and student reference.