Terms & Conditions/Privacy Policy/Disclaimer
i) Return / Refund Policy

All products are non-returnable and are non-refundable under all circumstances (save except where the contrary is specified for the particular product).

ii) Security Capabilities Policy

PayDollar is a leading, secure and reliable international payment service provider to banks and online merchants since 2000. Customers’ payment details are securely transmitted to the acquiring bank, card and payment companies for real-time transaction authorisation using 256-bit Extended Validation Certificates (EV) SSL transaction encryption. PayDollar supports CVV/CVC check as well as 3-D secure authentication of Visa and MasterCard namely: Verified By VISA, MasterCard SecureCode for added security protection for both customers and merchant.


iii) privacy policy


  1. Our Commitment We are committed to protecting your privacy. We value the trust that you place in us by providing to us your personal data and we are committed to taking all reasonable precautions to protect your personal data from misuse and keeping it secure by complying with all applicable data protection laws and regulations in Hong Kong, as amended from time to time. We regularly review this Privacy Policy and may revise it from time to time. Please read on for more details on how we collect, use, transfer and retain your personal data.
  2. Provision of Your Personal Data You may be asked to provide your personal data to us when purchasing our products or using our services, website or mobile applications. You are not required to provide the personal information that we request, but we may not be able to provide you with our products or services or you may not be able to login to our website or mobile applications without those information.
  3. The Types of Personal Data We CollectThe types of personal data we collect may include:
    (a) your name, telephone number, email address, home, mailing, billing or delivery address, your day and month of birth, your payment and credit card information and other personal data you voluntarily provide to us; and
    (b) IP address, real-time geographic location data, browser settings, browsing records and other internet log on information of your computer or mobile device.
  4. Purposes of CollectionYour personal data may be used for one or more of the following purposes (“Purposes”):
    (a) communicating with you;
    (b) verifying your identity and any accounts you have with us;
    (c) administrating any membership or other marketing, promotional or corporate programs that you participate in;
    (d) processing your orders for products and services you place with us (including maintaining your shopping cart on our website, billing and payments);
    (e) handling and responding to your inquiries, suggestions or complaints;
    (f) developing new products and services;
    (g) conducting customer surveys;
    (i) conducting data, research, statistical and behavioural analysis to help us better understand you and to improve our services and products;
    (j) customising our website and its contents to your particular preferences;
    (k) with your consent, conducting direct marketing activities; and
    (l) any other purposes directly related to any of the above purposes.
  5. Transfer of Personal DataWe may disclose or transfer your personal data to our related companies including Karisma Learning Institute Ltd or any third party service providers, whether within or outside Hong Kong, as necessary on a need-to-know basis to fulfill any of the Purposes or process your personal data. We may also disclose or transfer your personal data to any other party when we believe such disclosure or transfer is required for legal or regulatory  reasons or where it is necessary to protect our interests (as permitted by law).
  6. Retention of Personal DataWe will retain your personal data for as long as it is necessary to fulfill the Purposes for which the personal data is to be used and delete any of your personal data that we have stored as soon as reasonably practicable, subject to, or where otherwise required by law or permitted by law.
  7. Direct MarketingWe intend to use your personal data for direct marketing including:
    (a) marketing our products and services, activities, contests, promotional offers (benefits and privileges), special events and any other information which we think may be of relevance, or sending out free product samples;
    (b) marketing products and services, activities, contests, promotional offers (benefits and privileges) and special events of our business partners or third party service providers; and
    (c) conducting researches and evaluation.Such marketing activities may be provided to you in various methods in accordance with the personal data you provide to us, including advertisement, postal mail, telephone call, email, text or messages on your mobile devices.We will not use your personal data for direct marketing activities unless we have received your consent (which includes an indication of no objection). You may partially or entirely opt-out of receiving information in relation to the direct marketing activities by indicating your preference where appropriate or request us to change your preference (without any fees), at any time by contacting our Customer Service Representative as set out below under “Further Information” or the unsubscribe link provided.
  8. Protection of InformationTo protect your personal data while you are using our website, we use sophisticated encryption technology and secured servers to keep your personal data safe. All your ordering information is protected during transmission by using the Secure Sockets Layer, which encrypts the information that you input so that it cannot be read in transit. Other security measures include restricting access to personal data to employees who have a need to use the data and who have been trained to handle such data properly and observe confidentiality. No unauthorized access will be allowed.
  9. CookiesWe use cookies to automatically collect information about you when you visit our website (such as the type of the internet browser and operating system you are using and the domain name of your internet service provider). Cookies are small pieces of information that your web browser stores on your computer when you visit a website. Our cookies identify your computer to us and allow us to personalize your shopping experience and recognize you when you return. Information collected from these cookies may be used for the Purposes.Most browsers automatically accept cookies. You may choose to disable cookies on your computer by changing your browser’s settings. If you disable cookies, you may not be able to use all features and services offered on our website.
  10. Websites of Third PartiesThis Privacy Policy only applies to us and our website, but not to any other third parties (including any websites maintained by them). When you click on links and/or ad banners that take you to either third parties’ websites or websites of companies associated with us, you will be subject to the privacy policies of those parties. Whilst we support the protections of privacy on the internet, we do not accept responsibility for any actions taken by third parties outside our web domain.
  11. Changes to Privacy PolicyWe may change this Privacy Policy from time to time by posting the updated version of the Privacy Policy on our website (karismalearning.com). We encourage you to visit frequently to stay informed of our most updated version.
v) Terms of Use
To ensure a safe, enjoyable environment for all of our users, we have established our Terms of Use. They spell out what you can expect from us and what we expect from you. Please note that by accessing any area of Karismalearning.com, you agree to be bound and to abide by these Terms of Use. We also strongly advise you to see our full privacy policy statement. Karismalearning.com is owned and operated by Karisma Learning Institute Limited (智富學苑有限公司). Any reference in these Terms of Use to Karismalearning.com shall include reference to Karisma Learning Institute Limited  and their respective employees and agents.Compliance with laws

Karisma Learning Institute Limited is a company incorporated under the laws of Hong Kong. We operate in Hong Kong and comply with all the laws and regulations of Hong Kong. All our products are in compliance with all the requirements and specifications under the laws of Hong Kong. We are not in a position to guarantee compliance with specific local requirements or specifications under the local jurisdictions of customers.

We recommend delivery services for shipping of the products you ordered. However, should you prefer other delivery services or forwarders, you may contact us or make your own arrangement.

Our products prices are denominated in HK Dollars.

Delivery Terms

The prices of products include delivery fees (except specified otherwise). Under typical circumstances where the products ordered are in stock, the products will be sent out by post within 15 days counting from the date successful payment. Notwithstanding, Karismalearning.com will not be responsible for any and whatsoever loss due to late delivery and/or any other reasons.

Use of forwarder

We recommend delivery services for shipping of the products you ordered. Your rights regarding the delivery of the products shall be governed by the terms and conditions of such a forwarder, which will be available for perusal upon request. By choosing the forwarder we recommend, you agree that we will appoint such a forwarder to handle all the aspects of the delivery on your behalf. We will not be responsible for any act or failure to act on the part of such a forwarder. We disclaim any liability whatsoever and you assume all risks and liabilities associated with its use.

However, you are free to choose other delivery services or use whichever forwarder for the delivery. In case you wish to use a forwarder which is different from our own suggestion, please contact us as by the ways stated in the contact us section of our website. The delivery time may take longer if you choose your own forwarder.


Our trademarks, service marks and copyright

The following trademarks and service marks belong to Karisma Learning Institute Ltd. or its affiliates and all rights in them are reserved: Karismalearning.com. These and other Karismalearning.com graphics, logos, service marks and trademarks of Karisma Learning Institute Ltd. and its affiliates and subsidiaries may not be used without the prior written consent of Karisma Learning Institute Ltd. or its affiliates or subsidiaries. All other trademarks, product names, company names and logos appearing on Karismalearning.com are the property of their respective owners. All content on our site, including design, text, graphics, logos, button icons, images, software and audio clips; any improvements or modifications to such content; any derivative works thereof; the collection, arrangement and assembly of all content appearing on Karismalearning.com, are the exclusive property of Karismalearning.com and are protected by Hong Kong and international copyright and other applicable intellectual property laws. All software used on our site is the property of Karismalearning.com or its software suppliers and is protected by Hong Kong and international copyright and other applicable intellectual property laws.

Use of Site

This site may currently only be used as a shopping resource or to conduct on-line communications. You may not distribute or commercially exploit the site or any part of its content (whether by reproduction, retransmission, dissemination, sale, broadcast, circulation, republication, amendment, re-delivery using “framing” or similar technology or otherwise). Any use of the on-line communication features of this site may only be used for lawful purposes and you may not post or transmit any material which is objectionable (whether harmful, threatening or otherwise); Karismalearning.com reserves the right (but without the obligation or liability) to prohibit or remove any such material.


The site and its content are provided on an “as is” basis without warranties of any kind, whether express or implied (except only as may be implied by applicable law).

Karismalearning.com is only providing a venue for the sale of products on its site and shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages (including damages for loss of profit or intangible loss related to your use of the site or use of any of the products purchased at its site). Please read all information, warranties or warnings provided by the manufacturer owner or seller of the products on or in the product packaging and labels before using any product purchased on Karismalearning.com.

Karismalearning.com shall not be liable for the accuracy, fitness for a particular purpose or quality of such products or reliability of any information provided by any manufacturer owner or seller of such products and it is your responsibility to evaluate such information.

Indemnity and Limitation of Liability

You agree to indemnify, defend and hold harmless Karismalearning.com from and against all losses, expenses, damages and costs (including reasonable legal fees) arising from any breach of these Terms of Use or any other activity by you in connection with your use of the site. You further agree that Karismalearning.com shall not be held liable howsoever for your use of the site and you agree to waive all claims that you may have against Karismalearning.com for any loss or damages you may sustain in connection with your use of the site. In the event that this disclaimer is unenforceable, the total liability of Karismalearning.com, if any, for losses or damages shall not exceed the fees you paid for the particular service or product upon which liability is based.

Links to other sites

Occasionally, Karismalearning.com may make available a link to a third party’s web site. These links will let you leave Karismalearning.com. The linked sites are not under Karismalearning.com control and Karismalearning.com is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Karismalearning.com is not responsible for webcasting or any other form of transmission received from any linked site.

Karismalearning.com provides the links only as a convenience.

Karismalearning.com does not endorse the site or its use or contents.

Our Privacy Policy

You agree to our use of information about you as described in our privacy policy.


Karismalearning.com may terminate or suspend your access to all or part of the site, without notice, for any conduct thatKarismalearning.com, in its sole discretion, believes is in violation of any applicable law or is harmful to Karismalearning.com or a third party.


Karismalearning.com may deliver notices to you by means of electronic mail, a general notice on

Karismalearning.com or by post. You may give notice to Karismalearning.com at any time by means of electronic mail to Karismalearning.com.

Modification of Terms

These Terms of Use may be modified from time to time. You should therefore read these Terms of Use and the order terms before you place any order.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region. You irrevocably agree that the courts of Hong Kong Special Administrative Region shall have exclusive jurisdiction in relation to any claim or dispute concerning or arising from these Terms of Use and the order terms.

These Terms of Use were last updated on June 2016