Payments and Refunds

This Policy may apply to payments for:

• legal consultations;
• legal services;
• retainer payments;
• document review services;
• notary public services;
• commissioning services;
• webinars, workshops, courses or educational sessions;
• digital products, templates, guides, downloadable materials or online resources;
• administrative fees, invoices, disbursements or other amounts payable to MBLAW.

Some services or products may have specific terms listed on the relevant booking page, invoice, checkout page, webinar page, product page, retainer agreement or written communication from MBLAW. If specific terms are provided for a particular service or product, those specific terms will apply together with this Policy.

Unless otherwise stated, all prices are listed in Canadian dollars.

Applicable taxes, including Harmonized Sales Tax where required, may be added to the listed price. The total amount payable will be shown on the invoice, checkout page, payment link, booking page, or other payment request where applicable.

You are responsible for reviewing the total amount, service description, product description, date, time, currency, tax amount, payment processing charge, and any applicable terms before making a payment.

MBLAW is not responsible for currency conversion fees, foreign transaction fees, bank charges, card issuer fees, wire transfer fees, payment processor fees, or other charges imposed by your financial institution or third-party payment provider.

MBLAW may accept payment by one or more of the following methods:

• credit card;
• debit card;
• electronic transfer;
• online payment link;
• client portal payment;
• bank draft, certified cheque or other method approved by MBLAW;
• any other payment method expressly accepted by MBLAW.

Available payment methods may vary depending on the type of service, amount, client location, matter type, risk assessment, professional obligations and administrative requirements.

MBLAW may refuse, delay or return a payment where required or permitted by law, professional obligations, risk management procedures, anti-fraud measures, source of funds concerns, payment processing issues, conflict concerns, or other reasonable business or professional reasons.

Payments may be processed by third-party payment processors, including Stripe or other providers used by MBLAW. These providers may collect and process payment information according to their own terms, privacy policies and security standards.

MBLAW does not intentionally store full payment card details on our own website systems. Payment card information may be submitted directly to a third-party payment processor when you complete an online payment.

You are responsible for ensuring that the payment information you provide is accurate and that you are authorized to use the selected payment method.

When you choose to pay an invoice by credit card or another card payment method processed through Stripe or another payment processor, MBLAW may charge a payment processing charge to offset processing fees charged by the payment processor.

Unless otherwise stated on the invoice, payment page or written communication from MBLAW, the card payment processing charge is CAD 4.52 for each CAD 100.00 of the invoice amount, calculated proportionally where applicable.

This charge applies only where it is disclosed before payment and where it is permitted by applicable law, Law Society of Ontario requirements, payment processor rules, card network rules and the terms applicable to the payment method.

Where available and appropriate for the type of payment, you may be offered an alternative payment method that does not include the same card payment processing charge.

Payment processing charges, bank fees, wire fees, foreign transaction fees, currency conversion differences and other third-party charges may be non-refundable unless otherwise required by law or expressly agreed by MBLAW in writing.

A payment is not considered received by MBLAW until the funds have been successfully received and cleared in the applicable MBLAW trust account or general account, as determined by the nature of the payment and applicable professional requirements.

Depending on the payment method, financial institution, payment processor, transfer system, currency, location and banking review, funds may take up to five business days, or longer in some circumstances, to be received and cleared.

MBLAW is not responsible for service delays, filing delays, booking delays, access delays, transaction delays, document release delays, application preparation delays, or other consequences caused by a delay in receipt or clearance of funds.

You are responsible for making payment sufficiently in advance of any deadline, appointment, closing date, filing date, consultation date, webinar date, service start date, or access date. MBLAW does not guarantee that services will begin, continue, or be completed before payment has been received and cleared, unless MBLAW has expressly agreed otherwise in writing.

A legal consultation is intended to provide legal information or legal advice based on the information available during the consultation and within the scope of the booked service.

Unless expressly stated otherwise, a consultation does not include ongoing representation, document preparation, application preparation, court or tribunal representation, communication with third parties, written legal opinions, follow-up work, or review of documents after the consultation.

The quality and usefulness of a consultation depend on the accuracy and completeness of the information provided by you. MBLAW may rely on the information and documents you provide before or during the consultation.

Booking or paying for a consultation does not guarantee that MBLAW will accept your matter for ongoing representation.

If you need to reschedule a consultation, you must contact MBLAW as soon as possible.

Unless the booking page or written communication from MBLAW states otherwise, a consultation may be rescheduled once without an additional fee if you request the change at least 48 hours before the scheduled appointment time.

Rescheduling requests made less than 48 hours before the scheduled appointment time may be treated as a late cancellation, unless MBLAW agrees otherwise.

MBLAW may reschedule a consultation due to lawyer availability, emergency, conflict concerns, technical issues, illness, professional obligations or circumstances beyond our control. If MBLAW reschedules a consultation, we will offer a new appointment time.

Unless the booking page or written communication from MBLAW states otherwise, a consultation cancellation request must be received at least 48 hours before the scheduled appointment time to be considered for a refund or rescheduling.

If you cancel less than 48 hours before the scheduled appointment time, arrive late, fail to attend, provide incorrect contact information, do not join the meeting, or are unavailable when MBLAW attempts to contact you, the consultation fee may be non-refundable.

If you are late, the consultation may still end at the originally scheduled end time. MBLAW is not required to extend the consultation or provide a refund for time missed due to your delay.

If MBLAW cancels a consultation and cannot offer a reasonable alternative appointment time, you may receive a refund for the consultation fee paid.

Payments for legal services may be governed by a retainer agreement, engagement letter, invoice, written fee quote or other written communication from MBLAW.

Payment of a retainer, deposit, invoice or other amount does not by itself create a lawyer-client relationship unless MBLAW has agreed to act for you and the required engagement steps have been completed.

Payments may be deposited into MBLAW’s trust account or general account depending on the nature of the payment, the applicable invoice, the status of the work, the retainer arrangement and Law Society of Ontario requirements.

Before accepting or continuing a matter, MBLAW may be required to complete client identification, client verification, source of funds inquiries, conflict checks, risk management reviews and other professional compliance steps.

MBLAW may decline or discontinue services where required information is not provided, where a conflict exists, where professional obligations cannot be met, where instructions are unclear or improper, where payment requirements are not met, or where we are otherwise required or permitted to do so by law or professional rules.

Refunds for legal services, retainers or deposits will be handled in accordance with the applicable retainer agreement, invoice terms, professional obligations and work completed. Where a refund is available, it may be limited to the unearned portion of fees or unused portion of funds, after deduction of earned fees, disbursements, taxes, administrative charges where applicable, and any other amounts properly payable.

You are responsible for paying invoices by the due date stated on the invoice or as otherwise agreed in writing.

If an invoice remains unpaid, or if payment has not been received and cleared, MBLAW may suspend work, decline further services, stop work on a file, delay access to materials, delay submission or release of documents where permitted, withdraw from representation where permitted, charge applicable interest or administrative fees if provided in the applicable agreement, or take reasonable steps to collect the outstanding amount.

Failure to pay an invoice, late payment, delayed payment clearance, reversed payment, chargeback, or payment dispute may affect timelines, service delivery, file progress, transaction steps, application preparation, document release, access to materials, or our ability to continue acting.

MBLAW may offer paid webinars, workshops, courses or educational sessions. These materials are provided for general informational and educational purposes only, unless expressly stated otherwise in writing.

A webinar, workshop, course or educational session is not a private legal consultation and does not create a lawyer-client relationship. Information provided during such sessions should not be relied upon as legal advice for your specific situation.

Unless the event page or written communication from MBLAW states otherwise, registration fees for webinars, workshops, courses or educational sessions are non-refundable once payment has been made and registration has been confirmed.

If you register for a live webinar, workshop or educational session and do not attend, arrive late, leave early, experience personal scheduling conflicts, or fail to access the session for reasons not caused by MBLAW, the fee is non-refundable.

MBLAW may, at its discretion, provide access to a recording, materials, alternative session date, or other accommodation, but is not required to do so unless expressly stated on the event page or in written communication from MBLAW.

If MBLAW cancels an event and does not offer a reasonable replacement date, recording or alternative access, you may receive a refund for the fee paid for that event.

MBLAW may offer digital products, templates, guides, checklists, forms, downloadable materials, recordings or online resources.

Digital products are provided for informational and educational purposes only, unless expressly stated otherwise. They are not legal advice, do not replace a legal consultation, and do not create a lawyer-client relationship.

Because digital products can be accessed, downloaded, copied or used immediately, purchases of digital products are final and non-refundable once access has been provided, unless a refund is required by applicable law or MBLAW determines that a refund is appropriate in the circumstances.

Access is considered provided when MBLAW sends a download link, grants portal access, provides login access, sends the file by email, makes the material available through an online platform, or otherwise makes the digital product available to you.

Refunds may be considered where there has been a duplicate payment, technical error, incorrect charge, or failure of access that MBLAW cannot reasonably resolve. You must contact MBLAW promptly if you experience a technical issue with accessing a digital product.

You may not share, resell, reproduce, distribute, publish, modify, upload, license, or commercially use digital products unless MBLAW has expressly permitted such use in writing.

MBLAW may, at its discretion, allow payment plans or installment payments for certain services or products. Payment plans must be confirmed in writing.

If you fail to make an installment payment when due, or if a payment has not been received and cleared when required, MBLAW may suspend access to services, materials, products, client portal functions, or ongoing work where permitted, and may require payment of outstanding amounts before resuming services.

A payment plan does not waive the total amount owing unless MBLAW expressly agrees in writing.

MBLAW may offer promotional pricing, discounts, bundled services or special offers from time to time. Any promotion or discount is subject to the specific terms stated at the time it is offered.

Promotions and discounts are not retroactive and cannot be applied to previous purchases, invoices, retainers or payments unless MBLAW expressly agrees in writing.

MBLAW may modify, suspend or discontinue a promotion at any time, unless a specific written offer has already been accepted and paid for under its stated terms.

To request a refund, you must contact MBLAW in writing and provide:

• your full name;
• the email address used for the booking or purchase;
• the payment date;
• the amount paid;
• the service, product, invoice or event related to the payment;
• the reason for the refund request;
• any relevant payment confirmation or receipt.

Refund requests will be reviewed based on this Policy, the applicable service terms, product terms, booking terms, invoice terms, retainer agreement, work completed, access already provided, applicable law and professional obligations.

Submitting a refund request does not guarantee that a refund will be issued.

Where a refund is approved, MBLAW will usually issue the refund to the original payment method, unless another method is required or agreed.

Refund processing times may depend on the payment method, financial institution, payment processor, currency conversion process and administrative requirements.

MBLAW is not responsible for delays caused by banks, card issuers, payment processors or other third parties.

Any processing fees, foreign exchange differences, bank charges, wire transfer fees, card issuer fees or third-party charges may be non-refundable unless otherwise required by law.

If you believe that a payment was made in error or that there is an issue with a charge, you should contact MBLAW promptly so that we can review the matter.

Starting a chargeback, payment dispute or reversal does not cancel your obligation to pay amounts properly owing to MBLAW.

MBLAW may suspend services, access to materials, access to client portal functions, future bookings or ongoing work while a chargeback, payment dispute or reversal is being reviewed.

MBLAW reserves the right to provide relevant records, invoices, access logs, communication records, service records and payment records to the payment processor, bank, card issuer or other relevant party in response to a chargeback or payment dispute.

You are responsible for ensuring that you have the technology needed to access online consultations, webinars, digital products, client portal tools, video meetings, downloadable materials or online resources.

This may include a stable internet connection, compatible device, updated browser, working email account, ability to receive links or access codes, and any required software.

MBLAW is not responsible for technical issues caused by your device, internet connection, email settings, spam filters, browser settings, software, location restrictions, or third-party platforms outside our control.

If a technical issue is caused by MBLAW or by a platform used by MBLAW and prevents access to a paid service or product, we will take reasonable steps to provide alternative access, reschedule, or consider a refund where appropriate.

Nothing in this Policy is intended to limit any rights, remedies or protections that cannot be limited under applicable law.

Certain consumer protection laws may apply to some purchases or agreements. Where applicable law gives you a cancellation right, refund right, disclosure right or other mandatory protection, MBLAW will comply with those requirements.

If there is a conflict between this Policy and a mandatory legal requirement, the mandatory legal requirement will apply to the extent of the conflict.

MBLAW is located in Ontario, Canada. If you make a payment from outside Canada, you are responsible for any currency conversion, foreign transaction fees, local taxes, transfer fees, banking restrictions, payment processor requirements or legal requirements that may apply in your jurisdiction.

We do not represent that all payment methods, products, services, webinars or digital materials are available in every jurisdiction.

This Policy is published in English. If you access this Policy from a Russian-language page, the English version remains the official version.

If a translated version is made available for convenience, the English version will govern in the event of any inconsistency, unless applicable law requires otherwise.

MBLAW may update this Policy from time to time without prior notice. The updated version will be posted on this page with a revised “Last Updated” date.

Your continued use of our websites, payment links, booking tools, products or services after changes are posted means that you acknowledge the updated Policy.

We encourage you to review this Policy before making a payment.

If you have questions about this Payments and Refunds Policy or wish to request a refund, please contact us:

MBLAW Professional Corporation
5050 Dufferin Street, Suite 216
North York, Ontario M3H 5T5
Canada

Phone: +1 (416) 513-9418
Fax: +1 (416) 513-9340
Email: info@mblawpc.ca
Website: mblawpc.ca