Pricing & Payment Terms

1. Current prices

Current prices are shown on our pricing page, on each exam page and at checkout. At the effective date of these terms:

• Free: sample questions for every exam, practice mode and progress tracking. No payment required.
• Exam Pass: the price shown on each exam page (one-time), 90 days of access to one exam.
• Exam Pass + PDF: the Exam Pass price plus Rs 1,000 in Pakistan / $10 internationally (one-time), including the exam's PDF study guide.
• All-Access Monthly: Rs 2,999 in Pakistan / $29 internationally per month.
• All-Access Yearly: Rs 19,999 in Pakistan / $199 internationally per year.

We use regional pricing: visitors in Pakistan see and pay prices in Pakistani rupees (PKR), and visitors elsewhere see and pay prices in US dollars (USD). We decide which applies from the location of your internet connection when you check out. The price and currency shown at checkout when you confirm your purchase are the ones that apply. If you pay in a currency other than your card's, your bank may charge a conversion fee.

You must not use a VPN, proxy or other means to misrepresent your location in order to obtain a different regional price. If the details of a payment (for example, the country that issued your card) do not match the pricing region of your order, we may cancel and refund the order, or ask you to pay the difference before granting or continuing access.

2. Taxes

Unless stated otherwise, prices exclude any sales tax, VAT or similar taxes that apply in your location. Where we or our payment provider are required to collect tax, it will be shown at checkout before you pay. Your bank or card issuer may charge currency-conversion or foreign-transaction fees, which are outside our control.

3. Payment processing

Payments are processed by third-party payment providers, such as PayFast, Safepay, 2Checkout (Verifone) or Stripe, depending on your location and payment method. By paying, you also agree to the provider's terms. We do not store your card or wallet details. Access is granted only after the provider confirms your payment to us; this is usually instant but can occasionally take a few minutes.

4. One-time purchases

Exam Passes are one-time payments and do not renew. Access starts when payment is confirmed and ends automatically after 90 days. If you buy another Exam Pass for an exam you already have access to, the new period is added as a separate entitlement.

5. All-Access subscriptions and renewals

• Where your payment method supports it, All-Access renews automatically at the end of each billing period (monthly or yearly) and is charged to the same payment method, until you cancel.
• Where automatic renewal is not available (for example some local wallets and bank transfers), All-Access is sold as a prepaid period that ends automatically, and you can renew it manually.
• You can cancel at any time from Account & billing. Cancellation stops future renewals; you keep access until the end of the period you have already paid for.
• If a renewal payment fails, we or the payment provider may retry it. If payment is still unsuccessful, access ends at the end of the paid period.

6. Price changes

We may change prices at any time. Changes do not affect purchases already completed. For automatically renewing subscriptions, we will give you at least 14 days' notice before a price increase takes effect at your next renewal, and you may cancel before then.

7. PDF study guides and download limits

Plans that include PDF study guides allow up to 5 downloads of each exam's guide in any rolling 30-day period during your access period. Each PDF is generated from the current question bank and personalised with your name, email address and an order reference. PDFs are for your personal use only, as described in our Terms of Service.

8. Promotions and complimentary access

Discount codes, trials and complimentary access are subject to the conditions stated when they are offered, cannot be exchanged for cash, and may be withdrawn if misused.

9. Pricing errors

If a product is listed at an obviously incorrect price because of an error, we may cancel the order and refund any amount paid, and we will tell you before doing so.

10. Disputes and chargebacks

If you have a problem with a charge, please contact ustadamorg@gmail.com first, as we can usually resolve it quickly. If you file a chargeback for a valid purchase, we may suspend access while the dispute is open.