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REFUND POLICY

Online Payments & Refund Policy

The Student Revolving Loan Fund (SRLF) offers you this online Payment Portal. As a convenient option to you our valued customer, payments for your loan can be made online via credit card or direct deposit through this website. Please note that you should also review our Privacy Policy and Terms of Use. These Terms & Conditions, together with our Privacy Policy and Terms of Use apply to the Payment Portal. By using our Payment Portal, you agree to the following Terms and Conditions.

AUTHENTICATION

  • This Payment Portal incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment. We cannot accept your payment until the Payment Portal authenticates the information provided based on the valid loan number associated with that loan (which is reflected on the printed statements or correspondence you receive from SRLF).
  • You will not be allowed to use the Payment Portal to make payments to SRLF until you have read these Online Payment Terms and Conditions and have acknowledged doing so by clicking the “I Accept” button on the payment page.
  • As the user of the Payment Portal, and upon your acceptance of these Online Payment Terms and Conditions, you will have submitted credit card account (your “Designated Account”) information. You are responsible for any legal, regulatory, or banking penalties and fees that arise if you supply false information for use with the Payment Portal.

 

AUTHORISATION FOR PAYMENT PORTAL USAGE

  • By accepting these Online Payment Terms and Conditions, each time you use the Payment Portal you authorise SRLF, through the Payment Portal, to initiate a charge to your Designated Account according to your instructions.
  • By accepting these Online Payment Terms and Conditions, you agree that:
    1. No payment, or any portion of a payment, will be considered paid until SRLF receives payment;
    2. It is not necessary for any officer or employee of SRLF to authorise a debit to your account.

By providing SRLF with the account information for your Designated Account, you authorise SRLF to follow the payment instructions we received from you through the Payment Portal. When you use this Payment Portal to send SRLF a payment instruction, you authorise SRLF to initiate a message to your credit card provider to charge your Designated Account and to send those funds to SRLF for payment.

YOUR REPRESENTATIONS TO US

By accepting these Online Payment Terms and Conditions, you represent and warrant that:

  1. You are 18 years old or older;
  2. You are using your actual identity and any information you provide is accurate and complete;
  3. The credit card is issued in your name and that you are authorised to incur charges against that credit card;
  4. You are legally authorised to make payments using your Designated Account;
  5. You have verified that the information is accurate and complete before submitting the information for processing;
  6. You have read and agreed to our Privacy Policy;
  7. You have read and agreed to our general Terms of Use; and
  8. Your use of the Payment Portal will not violate any local, or international laws or regulations.

SRLF shall have no liability to you whatsoever and howsoever arising if your warranties above are untrue.

ANTI-MONEY LAUNDERING MEASURES 

If your payment is in the sum of $10,000.00 or more, please note that you may be contacted by personnel from SRLF to confirm your identity and to request information concerning the source of your funds. You may be required to produce original documentation for identification purposes. These measures are in compliance with the Money Laundering and Financing of Terrorism (Prevention and Control) Act, Chapter 129 of the Laws of Barbados.

 

LATE PAYMENTS

If your payment is received after the due date which is the last day of each month, then, you will remain responsible for any late fees, even if you are unable to access the system due to problems with the Internet, or our servers being temporarily unavailable. We recommend that you use the Payment Portal to make payments to SRLF at least four (4) business days before the actual due date. (Business days are Monday through Friday, except for bank holidays).

 

CONFIRMATION

SRLF will issue a confirmation to you about your payment transaction, whether via the website, by email or otherwise.

CANCELLATION OF PAYMENTS

If you wish to cancel a payment and obtain a refund, kindly contact our Accounts Department at 246-535-0828 / 246-535-0831 or 246-535-0832.

CHARGEBACK ISSUES

“chargeback” occurs when a customer disputes a credit card charge. If you intend to dispute or deny a charge, please contact us directly. Please note that it is fraudulent to dispute a valid charge.

 

SECURITY

At SRLF we aim to protect consumers' sensitive information. As a result, we provide you with a confidential and secure environment by using the latest security techniques. In addition, we restrict access to your personal information to our designated employees and others who need to know that information in order to service your account. 

However, you are responsible for keeping your computer from which you are making the payment free from viruses and malicious programmes. You are responsible for maintaining all appropriate security measures, including but not limited to ensuring that you have installed a virus protection programme and that such programme is up to date.  You acknowledge that a failure to do so may lead to the viewing of your data by unauthorised parties.  SRLF will have no liability to you whatsoever if you suffer loss that is caused by your failure to keep your computer secure. 

We remind you that submitting information over the internet is not risk-free. You are responsible for maintaining the secrecy and security of any payment information that you submit. No guarantees are made against unauthorised access to your information.

 

LIMITATIONS OF LIABILITY AND EXCLUSIONS OF WARRANTIES

SRLF does not make any warranties, representations or guarantees that the Payment Portal will function as intended, be secure or its operation will be continuous or be uninterrupted. All implied terms conditions and warranties regarding the functionality and security of the Payment Portal are fully excluded, except for those that cannot be lawfully excluded.

You agree and acknowledge that internet transactions are never entirely secure or private and that any information sent to you (including credit card information) may be read or intercepted by others. We have no duty to you arising out of or in connection with the interception of data by unauthorised parties or for any events beyond the reasonable control of SRLF.

To the extent permitted by law, we disclaim liability, whether based in contract tort, negligence, strict liability or otherwise for damages of any kind (including but not limited to direct, indirect, incidental, consequential, special, punitive, or exemplary damages) in any way arising from the functionality or operation of our website (including but not limited to damages arising from interruptions of service or delays in operation or transmission) even if we were expressly advised of the possibility of such damages.

ALTERATIONS AND AMENDMENTS

These Online Payment Terms and Conditions are the legal binding agreement between SRLF and you with respect to the Payment Portal. You will be agreeing to the current provisions of these Online Payment Terms and Conditions each time a payment is made using the Payment Portal according to your instructions. These Online Payment Terms and Conditions may be altered or amended at any time. You should ensure that you review these Terms & Conditions each time you make a payment to be certain that you agree with any new provisions. Your use of the Payment Portal after any changes to these Online Payment Terms and Conditions will constitute your agreement to such change(s).

TERMINATION OR DISCONTINUATION

We reserve the right to terminate the Payment Portal at any time, or to terminate your use of the Payment Portal. If we terminate your use of the Payment Portal, you will need to pay your SRLF’s loan at one of the other locations identified here: https://srlfloan.edu.bb/Repayment/MethodsofLoanRepayment.aspx

 

DISPUTES
If there is a dispute regarding the Payment Portal, you agree to resolve the dispute in accordance with recognised dispute resolution procedures and governing law.

These Online Payment Terms and Conditions are the complete and exclusive statement of the agreement regarding the Payment Portal between you and SRLF. It supersedes any proposal or prior agreement, oral or written, and any other communications between you and SRLF specifically relating to the Payment Portal. If there is a conflict between any other SRLF communication and the terms of this document, these Online Payment Terms and Conditions will prevail.

You should print and retain this document for safekeeping and reference at any time during usage of the Payment Portal.

BY CLICKING THE ACCEPTANCE BOX ON THE PAYMENT PAGE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THESE ONLINE PAYMENT TERMS AND CONDITIONS, THE GENERAL TERMS AND CONDITIONS, AND OUR PRIVACY POLICY AND YOU AGREE TO BE BOUND BY THEIR TERMS, AND ANY FUTURE AMENDMENTS, WHICH MAY BE MADE BY SRLF FROM TIME TO TIME.