By clicking the submit button on the payment page and authorising the charges on your card for today or at a future date, you understand you are entering into a legal and binding contract with the business to pay the total amount shown on the payment page, to be paid on each date as shown in the payment schedule accessible via the payment page, a copy of which will also be emailed to you for reference.

You acknowledge that the credit card(s), debit card(s), or other payment method(s) you are using to make this purchase will be active, valid, and have sufficient funds available during the entire term of the payment schedule.

If for any reason, any of your payments are declined, you agree to provide an alternative, valid payment method. You understand that you may be charged a late fee(s) if a payment is missed on any of the agreed-upon payment dates for any reason whatsoever.

You understand and accept that by securing your place in the course with this payment plan, you are obligated to pay the full amount, regardless of whether you decide to cancel your participation in the training. No refunds will be provided for cancellations, and the full payment will still be due.

You also acknowledge that if sufficient funds are not available in your account on any of the agreed payment dates, your bank may charge you overdraft fees or penalties. IRM is not responsible for any bank fees, overdraft charges, or penalties you incur as a result of insufficient funds.

If the business is providing an ongoing physical or digital product or service, the business may decide to withhold or terminate the provision of this product or service if you fail to make the agreed-upon payments as shown in the payment schedule, with no refunds issued as a result of payments already made.

You understand that you are legally bound to these terms and required by law to make all payments on the agreed-upon payment dates, or via an early payment, if the business has provided that option.

The business reserves the right to report delinquent payments to credit agencies and collections agencies.

By proceeding, you confirm that you have read, understood, and agree to these terms.