Payment Policy

1What this covers

This policy applies to paid access to the Lanalyste exam simulator, sold by Abdessamad Tirhzaoui, carrying on business as Lanalyste, a sole proprietorship registered in Québec, Canada (NEQ 2280937873). It sits alongside the Terms of Service; where the two speak to the same point, the Terms govern.

Business address:
1308-1180 Rue de Bleury
Montréal, Québec H3B 0H2
Canada
Telephone: 579-366-2566
Email: contact@lanalyste.ca

Paid access is offered for the CBAP®, CCBA® and ECBA™ simulators. PMI-PBA® is coming soon. ECBA access is sold for 14, 30 or 60 days, includes all four language banks and does not renew automatically. Checkout shows your selection, applicable taxes and total before you confirm payment through Stripe.

The provisions below about 30/90/180-day CBAP and CCBA plans, automatic renewal, extensions in 30-day units and separate French explanation blocks concern CBAP and CCBA. ECBA uses its displayed 14/30/60-day plans, with no automatic renewal or separate language charge. The general payment, tax and refund provisions apply to all three simulators.

CCBA prices are C$59 for 30 days, C$129 for 90 days and C$199 for 180 days, before tax. The CBAP renewal and extension rules also apply to CCBA: one automatic 30-day renewal for the 30-day plan unless cancelled; no automatic renewal for the longer plans. French explanation blocks cost C$9 per 10 days and are shared between CBAP and CCBA. Paid main access to each simulator used is required; sharing a French block does not grant main access. French coverage runs continuously and never renews automatically.

2What is sold

Lanalyste sells access to the exam simulator for one certification. There are two ways to buy it, and they behave differently — which one you chose determines when you are charged, whether anything renews, and what cancelling means.

• CBAP: buying the 30-day plan authorizes one automatic renewal for 30 more days at the amount disclosed at checkout, plus applicable taxes. No second authorization is required. Your account shows the scheduled date and amount. We send a reminder before renewal when possible. You can cancel in Account → Renewal before the charge without losing your current paid access. This is not an ongoing subscription.
• 90 days and 180 days: a single payment for the period chosen. These never renew automatically.
• Further access, on any plan: an extension you expressly choose and pay for. Extensions are sold in units of 30 days, in quantities of one, two, three or six. No extension renews automatically, and buying one never authorises a later charge.
• Certification: one per purchase, either way. Access does not extend to another certification's simulator.
• CBAP/CCBA French explanations: an optional addition, priced separately at checkout. CBAP and CCBA questions and answer choices remain in English. ECBA includes questions and explanations in the selected bank's language, without a separate language charge.
• Promotional codes: where one is offered, a valid code can change the price on the conditions disclosed with that code. No standing discount applies automatically.

A purchase buys access to the Lanalyste simulator and learning content only. Official certification, application, membership, examination, course, book and rescheduling fees are charged by other organisations and are not included.

Access is to the exam simulator as it exists at the time of purchase. Territories described on the platform page as direction rather than availability are not included in any purchase, and no purchase is a commitment to build them.

3Prices, currency and taxes

• CBAP main access: 30 days C$64; 90 days C$149; 180 days C$239. ECBA main access: 14 days C$29; 30 days C$44; 60 days C$69, with no automatic renewal.
• Extensions follow the same structure: 30 days C$64; 60 days C$128; 90 days C$149; 180 days C$239.
• French explanations: C$9 for each block of 10 consecutive days — C$18 for twenty days, C$27 for thirty, C$54 for sixty. There is no duration discount: the total is always the number of blocks times the block price.
• All prices, charges and invoices are in Canadian dollars (CAD). Any USD or EUR equivalents displayed elsewhere on the website are approximate and informational only, not alternative billing prices or live exchange-rate quotes. Your bank or card issuer determines any conversion rate and fees. The CAD total, including applicable taxes and discounts, is shown before payment is confirmed.
• Taxes: displayed prices are shown before tax. Tax is calculated from your billing location and the law that applies there, and the total including tax is shown before payment is confirmed.
• In Canada: GST and QST are collected where they are required, and our registration numbers appear on every receipt.
• Outside Canada: where Lanalyste is legally required to calculate and collect a tax on your purchase, that tax is added at checkout and shown before payment is confirmed. Where we are not required to collect it, you may still be responsible for reporting and paying whatever tax your own jurisdiction requires on the purchase. We cannot advise you on that obligation.

The price shown at the point of purchase is the price charged. Where tax is added at checkout, the total including tax is shown before payment is confirmed.

Purchase availability depends on the billing country and payment methods supported at checkout. Applicable taxes and the final total are displayed before confirmation.

4How payment is taken

Available credit and debit card methods are displayed by Stripe at checkout. Lanalyste does not receive or store full card numbers: the processor handles card data under its own terms and security standards, and we receive only the confirmation that a payment succeeded together with the details needed to open the matching access.

Stripe handles payment details securely. The checkout displays the accepted payment methods, applicable taxes and final CAD total before confirmation.

By purchasing, you confirm that you are authorised to use the payment method you provide.

5When you are charged, and renewal

On every plan, access begins once payment is confirmed; email confirmation does not block paid access. On the 90- and 180-day plans it ends when the period purchased ends. On the 30-day plan it ends 30 days later, or 60 days later if the automatic extension is charged. After that, access continues only if you buy an extension.

6Extensions you choose

Once an initial plan — and, on the 30-day plan, its single automatic extension — has run, any further access is an extension you buy expressly. Nothing is charged unless you choose it and pay for it.

• Extensions are sold in units of 30 days, in quantities of one, two, three or six.
• Extensions are priced on the same structure as the initial plans: 30 days at the 30-day price, 60 days at that price taken twice, 90 days at the same discounted rate as the initial 90-day plan, and 180 days at the same discounted rate as the initial 180-day plan. Optional French explanations are priced separately by the number of 10-day blocks.
• Every extension needs your explicit acceptance and payment. Accepting one extension never authorises a later charge.
• No extension renews automatically. There is no standing arrangement and nothing to cancel.
• An extension adds its days to the end of your current access. It does not restart or replace the period you are in.
• You choose separately, each time, whether that extension includes French explanations.

Where a promotional code is offered, a valid code can change the price of an extension on the conditions disclosed with it.

7French explanations

French explanations are a separate product, bought on their own and never bundled into a plan price. They explain, in French, why the correct option is the strongest and why each incorrect one is weaker. Questions and answer choices remain in English.

• Price: C$9 for each block of 10 consecutive days. Choose your quantity at checkout; the total is always the number of blocks times the block price. There is no duration discount and no monthly rate.
• Activation: coverage does not begin when you pay for it. It begins when you choose to activate it.
• Continuous once activated: choose how many stored blocks to activate from each group. Selected blocks run consecutively — three blocks are thirty days. Other blocks stay stored without expiry. Activated coverage cannot be paused.
• Never automatic: French coverage never renews. Buying more is always a separate, explicit purchase, and buying some never authorises a later charge.
• Adding more: purchases store blocks without activating them, even while coverage is running. You choose when and how many blocks to activate; activation can extend current coverage, subject to sufficient paid main access.
• Bound to main access: French coverage requires active main simulator access, and it never extends when that access ends.
• Never beyond paid access: activation cannot create coverage running past the main access you have already paid for. A scheduled but unpaid automatic extension does not count towards the time available, because it may still be declined or fail. If you do not have enough paid time left for the duration you want, extend your main access first.
• Not part of the automatic extension: the one automatic main-access charge on the 30-day plan is C$64 for main access only. French blocks are never included in that charge. Separately purchased blocks are preserved and can be activated when sufficient paid main access is available.

You can buy and store French blocks without an active main plan. Blocks you have bought but not yet activated do not expire. They stay in your account until you choose to activate them with sufficient paid main access.

• What they need is active paid main access, not a deadline. If your main access lapses, unused blocks are kept — they simply cannot be activated while there is no main access running.
• Buying or extending main access makes those stored blocks activatable again. Nothing is lost in the meantime.
• Once you activate them, the days run continuously from that moment and cannot be paused or stopped.

If you close your account, unused blocks you have never activated are lost. We tell you so before you confirm the closure, so the choice is made with that in front of you.

8Refunds

For an automatic-renewal charge, you can request a full refund in your account within three days (72 hours) of the charge, regardless of usage. The refund removes only that renewal’s remaining access; separate purchases, including French passes, are preserved. After 72 hours, contact support for review. This automatic refund rule does not apply to initial purchases, manual extensions or French-pass purchases. Except where required by applicable law, those purchases are non-refundable once access is available.

Cancellation, expiry, purchases and refunds have different effects:

• Declining the automatic extension: stops that one future charge. It does not refund the period already paid for, and it does not end your current access.
• Access expiring: the paid period simply runs out. Nothing is charged and nothing is refunded.
• Buying an extension: a new purchase you chose. It adds time; it does not alter or refund what came before.
• Closing your account: your choice to stop using the service. Closing an account does not create a refund on its own.
• A refund required by law: where applicable law entitles you to one, you receive it. If a refund is issued, the access it paid for may be revoked or shortened to match.

For automatic-renewal refunds within 72 hours, use your account. For other refund requests, write to contact@lanalyste.ca. We normally acknowledge a request within two business days. Where a refund is required by applicable law, it is processed within the period that law requires. Nothing in this policy waives a right you have under Quebec or Canadian consumer-protection law.

Nothing in a refund policy limits rights you have under applicable consumer-protection law, which continue to apply regardless of what is written here.

One point is settled and does not depend on the model chosen: no refund is conditional on an exam result, and no exam outcome is guaranteed. See the Terms of Service.

9Cancellation

Cancelling a future charge and refunding a past one are different things. See Refunds above.

10Failed payments

11Price changes

We may change prices. A change never affects a payment already taken.

The price charged is the price shown when you bought, for the whole period bought. The single automatic extension is charged at the C$64 disclosed to you and accepted at that checkout, in CAD, and a later price change never alters it. An extension you buy later is charged at the price displayed when you buy it. We do not change a price you have already agreed to.

12Receipts and records

A written confirmation is sent by email for every purchase, to the address used at checkout, and it is yours to keep. It states the certification and plan bought, the access duration and when access begins, the price before tax together with the currency charged, the taxes applied, the total charged, and, where Canadian tax was collected, our GST and QST registration numbers.

Where the purchase is the 30-day plan, the confirmation also states that a single automatic extension of 30 days at C$64, in CAD, is scheduled, the date it falls, and how to decline it. Where French-access blocks were bought, it states how many, that they do not expire, and that you activate them yourself. Our registration numbers are GST 777762170RT0001 and QST 4054562271TQ0001.

13Disputes and chargebacks

Closing your account cancels any automatic extension that has not yet been charged, so no further payment is taken. Closing an account does not create a refund on its own, and it does not by itself end access you have already paid for — we ask you to confirm before any active paid access is ended. Unused French-access blocks that you have never activated are lost when an account is closed, and we warn you of that before you confirm.

If something looks wrong on a charge, write to contact@lanalyste.ca before raising it with your card issuer — most billing problems are resolved faster directly. Messages are read and answered individually rather than through a support queue, so allow a few days for a reply; no shorter response time is promised.

Where a chargeback is raised, we may suspend access to the account concerned while the dispute is being resolved.

14Contact

Billing questions go to contact@lanalyste.ca. Messages sent through the contact form on this website reach the same mailbox.