DETAILED BUSINESS EXPLANATION,
PRODUCT/SERVICE DELIVERY MODEL & REFUND POLICY

Peace College of Technology (PCT) | www.pct.edu.pk

1. Executive Summary

Peace College of Technology (PCT) is an education and skills-development business operating through its website, www.pct.edu.pk. The website provides an online learning environment where customers can browse courses, create a student account, enroll in paid courses, access digital learning material, and obtain certificates of completion where applicable. The site also offers digital e-books and other educational resources for purchase.

The commercial model is primarily based on the sale of educational content and learning services. The website lists courses across areas including business and making money, health and fitness, marketing and promotion, productivity and self-help, social media and networks, web and development, and related skills. Course listings show level, duration, price, enrollment/cart functionality and, for individual courses, learning-material details.

Payments collected through the payment gateway are therefore business-to-consumer educational payments for legitimate products/services. Depending on the selected offering, the customer receives access to digital/on-demand educational content or related educational products. The website also provides a customer support/contact channel and a physical business address in Islamabad, Pakistan.

2. Business Profile

ItemBusiness Information
Business / BrandPeace College of Technology (PCT)
Websitewww.pct.edu.pk
Business TypeEducation, vocational/skills learning and digital educational content
Primary CustomersStudents, learners, professionals, entrepreneurs and individuals seeking practical skills
Primary ProductsOnline/on-demand courses, educational training content and digital e-books
Sales MethodWebsite-based course/product browsing, registration, cart and online checkout
Service AreaPakistan-based business with online delivery capable of serving customers remotely
Business AddressOffice # 01, First Floor, Plot # 760, Main PWD Road, O-9 B Block, Police Foundation, Islamabad 44000, Pakistan
Telephone+92 6112268
Mobile+92 321-5680114
Website ContactContact form and email support are provided on the website

3. Detailed Business Explanation

Peace College of Technology operates as an education and skills-development provider. Its website is structured as a learning and e-commerce platform: visitors can review available courses, identify the appropriate skill level, view course duration and pricing, register for an account, and purchase selected educational products. The platform is designed to allow customers to obtain training without requiring the customer to attend a physical retail store.

The website’s course catalogue covers practical and professional subjects. Current catalogue examples include social-media marketing, Facebook pages and groups marketing, email marketing, Instagram marketing, SEO, LinkedIn marketing, YouTube advertising/SEO, WhatsApp marketing, business and entrepreneurship, productivity and personal development, and health and fitness topics.

The website also contains a separate e-book catalogue. These are digital educational products sold through the same website/cart infrastructure. The business therefore has two complementary revenue streams: (1) paid training/course access and (2) low-cost digital educational publications/resources.

PCT’s online platform supports customer accounts. A student can register using name, username/email and password and then use the account to access purchased learning services. Course pages may include video lessons, requirements, audience information, course duration, learning materials, and certificate information. For example, the YouTube Channel SEO course page states that it contains on-demand video, lifetime access, mobile/tablet/desktop access and a certificate of completion.

4. Products and Services

CategoryExamplesDeliveryCustomer Outcome
Digital / Online CoursesMarketing, SEO, social media, business, productivity, health & fitnessOnline/on-demand through customer accountSkill development and course completion
Short Skill CoursesFacebook, Instagram, LinkedIn, YouTube, email and WhatsApp marketingWebsite-based digital accessPractical knowledge and applied skills
Digital E-booksBusiness, self-development, technology and other educational publicationsDigital delivery/accessEducational reading/reference material
CertificatesCertificate of completion for applicable coursesIssued electronically/through learning platform where applicableEvidence of course completion
Learner SupportAccount/technical support and contact channelEmail/contact form/website supportAssistance with account and service access

5. Product / Service Delivery Model

1. Customer Discovery: Customer visits www.pct.edu.pk and browses courses or digital educational products.

2. Product Selection: Customer reviews the course/product title, category, level, duration, price and available learning information.

3. Account Registration: Where required, the customer creates a learner account using the registration form.

4. Checkout & Payment: Customer adds the selected product/service to the cart and proceeds through the website checkout/payment process.

5. Payment Confirmation: The payment processor confirms the transaction. PCT records the order/payment against the customer’s purchase.

6. Digital Fulfilment: For online courses, access is provided through the website/customer account. For digital publications, access/download is provided electronically as applicable.

7. Learning / Use: Customer accesses the purchased material on supported devices such as desktop, tablet or mobile, subject to the specific product.

8. Completion / Certificate: Where a course includes a certificate of completion, the certificate is made available according to the course/platform rules.

9. Support: Customers can contact PCT for account, technical or service-related assistance through the website contact channel and published business contacts.

Digital delivery reduces physical fulfilment requirements and allows PCT to provide educational services to customers after successful payment. The exact access period and included features may vary by product; the applicable product/course page is the primary reference for those details.

6. Purpose of Payment Gateway Transactions

The payment gateway will be used to collect legitimate customer payments for PCT’s own educational products and services available through its website. Typical transaction descriptions may include course enrollment, online training, digital educational content, e-book purchase, or another clearly identified educational product shown at checkout.

  • Customers select the product/service before payment and are shown the applicable price.
  • The gateway is not intended for cash withdrawals, money transfers between individuals, remittances, or unrelated third-party transactions.
  • PCT will retain transaction/order records and use them for customer support, accounting and reconciliation.
  • Any applicable taxes, fees or charges will be presented according to the checkout configuration and applicable law.

7. Refund & Cancellation Policy

This section is drafted as the operational refund policy for payment-gateway review and customer disclosure. It should be published on the website and kept consistent with the checkout terms before the gateway goes live.

7.1 General Principle

Because most PCT products are digital educational services, refunds are considered on a case-by-case basis. A customer should contact PCT as soon as a problem is identified. PCT will review the order, payment status, product type, access status and reason for the request before approving a refund.

7.2 Eligible Refund Situations

  • Duplicate payment for the same order caused by a verified technical/payment error.
  • Payment was successfully captured but the purchased service was not delivered or access was not made available due to a PCT/platform error.
  • A material technical problem prevents access to the purchased digital course/product and PCT cannot reasonably correct the issue within a reasonable support period.
  • A transaction is cancelled by PCT before the purchased service has been delivered.
  • Any other refund required by applicable consumer-protection or payment law.

7.3 Non-Refundable / Normally Excluded Situations

  • Change of mind after the customer has received or accessed substantial digital course/content material.
  • Failure to use a purchased course or e-book after access has been successfully provided.
  • Inability to achieve a particular academic, professional, business or financial result from using educational content.
  • Issues caused by the customer’s device, internet connection, browser, email account or other third-party technical environment where the PCT service is functioning normally.
  • Requests made solely because the customer did not review the product description, requirements, duration or price before purchase.

7.4 Refund Request Procedure

Customers should submit a refund request through the PCT contact channel and provide the purchaser’s name, email address, order/reference number (if available), date of payment, product/course name and a short description of the issue. PCT may request reasonable evidence such as a payment receipt or screenshot of an access problem.

7.5 Refund Processing

Once approved, refunds will normally be returned through the original payment method where technically possible. The time required for the funds to appear in the customer’s account may depend on the payment gateway, card issuer or bank. PCT will not request or store a customer’s full card number or security code for the purpose of processing a refund.

7.6 Chargebacks and Payment Disputes

Customers are encouraged to contact PCT first so that account-access or service issues can be investigated and resolved. PCT will respond to legitimate gateway/card disputes with the relevant order, payment and service-delivery records.

8. Customer Protection, Terms & Data Handling

PCT’s website contains Terms of Service governing use of the website and services. The published terms state that customers must provide accurate billing/account information and that credit-card information is encrypted during transmission. The terms also address service modifications, billing/order information, prohibited uses, limitations of liability, termination and changes to the terms.

PCT should ensure that the final payment-gateway configuration, checkout page, refund policy, privacy notice, contact information and business identity remain consistent across the website and gateway onboarding documents.

9. Operational Controls Relevant to Rapid Gateway

  • Use clear product names and prices at checkout; avoid ambiguous transaction descriptors.
  • Maintain order IDs, customer account details, payment confirmations and fulfilment/access records.
  • Provide a visible customer-support route for payment, access and refund queries.
  • Do not manually request or store complete card numbers, CVV/security codes or other sensitive payment credentials.
  • Reconcile gateway settlements against website orders and accounting records.
  • Investigate duplicate, failed, reversed and disputed transactions promptly.
  • Keep the refund policy publicly accessible and ensure staff follow the same policy for all customers.
  • For any physical classroom/training product added later, publish separate attendance, cancellation and refund terms for that product before accepting payment.

10. Merchant Declaration

Peace College of Technology intends to use Rapid Gateway for the collection of payments arising from its education and skills-development business. The underlying transactions relate to educational courses, digital learning content, e-books and related learner services offered through www.pct.edu.pk. Products are described to customers before purchase and are fulfilled through the PCT learning platform or other stated digital delivery method. Customer support is available through PCT’s published contact channels.

11. Website Information Reviewed

This document was prepared from publicly accessible information on www.pct.edu.pk, including the homepage, course catalogue, individual course information and contact/terms pages. The website currently presents an online course marketplace with paid course listings, e-books, customer registration and cart/checkout functionality.

  • Homepage: www.pct.edu.pk — describes PCT as a learning platform offering quality courses, skills and online certificates.
  • Courses catalogue: www.pct.edu.pk/courses/ — shows course categories, levels, free/paid filtering, prices and enrolment/cart options.
  • Individual course page example: YouTube Channel SEO — shows on-demand video, lifetime access, device access and certificate of completion.
  • Contact page: provides PCT’s Islamabad office address, telephone/mobile numbers and email contact channels.
  • Terms of Service: sets website/service terms, billing/account requirements, payment information handling, service conditions and limitations.

12. Important Implementation Note

For payment-gateway approval, this document should be accompanied by a live website that displays the same business identity, product/service descriptions, prices, contact information and refund policy. If Rapid Gateway requires a signed/stamped PDF, the final version should be placed on PCT letterhead and signed by an authorized representative before submission.

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Privacy Policy

Last updated: November 15, 2024

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.
  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Peace College of Technology.
  • Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  • Country refers to: Pakistan
  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Website.
  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
  • Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • Website refers to PTC.EDU, accessible from https://pct.edu.pk/
  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Information from Third-Party Social Media Services

The Company allows You to create an account and log in to use the Service through the following Third-party Social Media Services:

  • Google
  • Facebook
  • Twitter

If You decide to register through or otherwise grant us access to a Third-Party Social Media Service, We may collect Personal data that is already associated with Your Third-Party Social Media Service’s account, such as Your name, Your email address, Your activities or Your contact list associated with that account.

You may also have the option of sharing additional information with the Company through Your Third-Party Social Media Service’s account. If You choose to provide such information and Personal Data, during registration or otherwise, You are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies: Cookies: What Do They Do?.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies
    Type: Session Cookies Administered by Us
    Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
  • Cookies Policy / Notice Acceptance Cookies
    Type: Persistent CookiesAdministered by Us
    Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
  • Functionality Cookies
    Type: Persistent CookiesAdministered by Us
    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
  • Change or Withdraw Consent
    Should you decide to change your preferences later through your browsing session, you can come back to this page and click on Cookie Settings. If you would like to withdraw your consent entirely, you can come back to this page and click here Reject All.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.
  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
  • To manage Your requests: To attend and manage Your requests to Us.
  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children’s Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective, and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us: