Billing Policy
Total Pro Collective Billing Policy
Overview
This Billing Policy explains how payments are processed for purchases made through the Total Pro Collective website, including digital products, physical goods, courses and invoice‑based services. Our objective is to provide clear, transparent billing practices and ensure compliance with the Consumer Protection Act 1999 and other applicable Bermuda laws.
Accepted Payment Methods
- Creditand debit cards: We accept major credit and debit cards (Visa, MasterCard, American Express) through our secure payment gateway.
- Butterfield & Son Bank transactions: We partner with Butterfield & Son Bank of Bermuda to process direct payments and invoice settlements. You may pay invoices via wire transfer or direct depositto our Butterfield account using the instructions provided on your
- Digitalwallets: Select transactions may be processed via digital wallets as offered at
All payments are processed in Bermudian Dollars (BMD) unless otherwise stated. Additional currencies may be supported; currency conversions are handled by our payment processor and may include conversion fees.
Invoice Generation and Payment Terms
- Instantpurchases: For digital downloads, physical merchandise and course registrations purchased directly through the website, payment is due in full at the time of checkout. You will receive an electronic receipt via email once payment has been
- Coursesand events: For multi‑session courses or event registrations, a non‑refundable deposit may be required at the time of The remaining balance must be paid on or before the start date indicated on your invoice. Failure to pay the balance by the due date may result in cancellation of your registration and forfeiture of the deposit.
- Invoice‑based services: Certain services—such as custom consulting, agency retainers or large physicalproduct orders—may be Invoices will specify the services rendered, the amount due, the due date and any applicable taxes. Unless otherwise agreed in writing, invoice payments are due within 30 days of the invoice date. Late payments may incur interest charges or service suspension until the outstanding amount is settled.
Taxes and Duties
Prices displayed on the website include any applicable taxes unless otherwise stated. Customers are responsible for any import duties or tariffs that may apply for physical goods shipped outside Bermuda.
Payment Security
We use industry‑standard encryption and security protocols to protect your payment information. Your card details are not stored on our servers. Payments processed via Butterfield & Son Bank adhere to the bank’s compliance and anti‑fraud requirements.
Non‑Payment and Service Suspension
If payment is not received by the due date, we reserve the right to suspend access to courses, digital content, ongoing services or physical product shipments until the outstanding balance is paid in full. We may also charge interest on overdue amounts as permitted by law. Continued non‑payment may result in collection efforts and termination of your account.
Modifications to the Billing Policy
We may update this Billing Policy from time to time to reflect changes in our services, banking partners or legal requirements. The most current version will always be available on our website. By making a purchase, you agree to the terms of the Billing Policy in effect at the time of your transaction.
For questions about billing, please contact us at billing@totalprocollective.com or call us during normal business hours (Atlantic/Bermuda time).