Policy Sections
Definitions
Parties to the Transaction
Price Composition
Payment Processing
Coach Payouts
Fee Compensation
Refund Policy
Coach Responsibilities
Platform Rights
Currency & Exchange
Analytics & Reporting
Platform Availability
Data & Recordkeeping
Limitation of Liability
Amendments
Contact
Last updated: March 23, 2026
PathMind ("we", "us", or "our") is committed to providing secure transactions while using our web application, services, and website. This Transaction Policy explains how we process and manage transactions on the platform, including how prices are composed, how payments are processed, how payouts reach course creators ("coaches"), how refunds work, and what responsibilities each party holds. We believe in transparency, and this document is intended to give buyers, coaches, and all users a clear understanding of the financial mechanics behind every transaction on PathMind.
For the purposes of this policy, the following terms apply:
PathMind acts solely as an intermediary in every course sale. The sale contract is between the buyer and the coach (seller). PathMind is not the seller of any course or digital product listed on the Platform. The coach is the rightful seller, and the coach alone is responsible for the content, quality, accuracy, and legality of the courses they offer.
The Platform provides the technical infrastructure that enables the transaction to take place: the marketplace for discovery, the checkout flow, the integration with Stripe for payment processing, and the enrollment system for course access. PathMind facilitates the connection between buyer and coach but does not participate in the sale agreement itself.
Because the Platform uses Stripe Connect with destination charges, funds may temporarily pass through or appear on the Platform's Stripe balance during the normal course of processing a transaction. This should be regarded as a technical transfer imposed by the mechanics of the Stripe Connect system and does not constitute the Platform holding, owning, or claiming those funds. The Platform collects revenue only from leftover funds within the PathMind Platform Fee after Stripe processing costs are accounted for. In the event of a faulty or irregular transaction, funds may temporarily land in the Platform's balance, but this is incidental and will be resolved in a short period of time through appropriate corrective action.
Every course listed on PathMind has a total price that the buyer pays at checkout. This total is composed of exactly two components:
There is only one fee in the transaction: the 10% PathMind Platform Fee. There are no hidden charges, additional service fees, or supplementary costs imposed by the Platform beyond this single fee.
Example: If a coach sets a course price of €50.00, the buyer pays €55.00 at checkout (€50.00 base price + €5.00 PathMind Platform Fee).
All payments on PathMind are processed through Stripe, a PCI-compliant third-party payment processor. PathMind does not store, process, or have access to buyers' full credit card numbers or sensitive payment credentials. All card data is handled exclusively by Stripe in accordance with Stripe's own security and compliance standards.
When a buyer initiates a purchase, PathMind creates a Stripe Checkout session. If the coach has a connected Stripe account, the session is configured as a destination charge: the payment is directed to the coach's connected account, and PathMind's Platform Fee is collected as an application fee on the charge. This means the coach's Stripe balance is credited with the transaction amount, and the Platform Fee is separated and retained by PathMind.
Stripe may charge its own processing fees (card fees, cross-border fees, currency conversion fees, etc.) on each transaction. These Stripe fees are separate from the PathMind Platform Fee and are determined entirely by Stripe based on the buyer's payment method, location, currency, and other factors outside PathMind's control.
After a successful purchase, the coach's connected Stripe account is credited with the transaction amount minus the PathMind Platform Fee. The actual amount the coach receives in their bank account may be further reduced by Stripe's own processing fees, which are deducted by Stripe from the coach's balance before payout.
Payout timing, minimum payout thresholds, and payout frequency are determined by the coach's Stripe account settings and Stripe's policies. PathMind does not control when or how often Stripe disburses funds to the coach's bank account. Coaches must connect a valid bank account to their Stripe dashboard to receive payouts.
The coach's username or display name is visible throughout the purchase flow on the course listing, on the checkout page, and in purchase confirmations to ensure that the buyer is always aware of who the seller is.
PathMind may, at its discretion, provide automated or manual compensation to coaches for Stripe transaction fees or currency conversion costs that reduce the coach's net earnings below the expected base course price minus the Platform Fee.
This compensation is not guaranteed. It is an optional measure that the Platform may undertake to support coaches, particularly in cases where cross-currency transactions result in elevated Stripe fees. The compensation mechanism works as follows: when the Stripe fees charged on the coach's side of a transaction exceed the PathMind Platform Fee, the Platform may issue a separate transfer to the coach to cover part or all of the difference. This compensation transfer is recorded internally for audit purposes.
Buyers may request a refund for a course purchase within thirty (30) calendar days from the date of enrollment. After 30 days, the purchase is considered final and no refund will be issued through the Platform's automated system. In exceptional circumstances, buyers may contact support@pathmind.app to discuss their situation.
To request a refund, the buyer submits a refund request through the Platform, providing the course in question and a written reason for the refund. The refund request is then forwarded to the coach (seller) for review.
The coach is responsible for reviewing and responding to refund requests. The coach may approve or deny the refund based on the circumstances described by the buyer. The coach is obliged to respond to refund requests in a timely and fair manner, whether through the PathMind refund request system or through the Stripe dashboard directly.
When a refund is approved and processed, the buyer receives a refund equal to the base course price only. The 10% PathMind Platform Fee is non-refundable under all circumstances. This fee was charged as compensation for the processed platform transaction and the technical service already rendered at the time of purchase — the checkout was facilitated, the enrollment was processed, and the Platform's infrastructure was utilized. Because the service associated with this fee has already been delivered at the point of sale, it is not subject to refund.
Example: If a buyer paid €55.00 for a course (€50.00 base price + €5.00 Platform Fee), the maximum refund the buyer can receive is €50.00. The €5.00 Platform Fee is retained by the Platform.
When a coach approves a refund, the Platform initiates a refund through Stripe for the base course price amount. The destination transfer to the coach is reversed, meaning the refunded amount is clawed back from the coach's Stripe balance. The Platform does not reverse the application fee (the Platform Fee), as it is non-refundable.
If a compensation transfer was previously issued to the coach for the transaction being refunded, the Platform absorbs that compensation cost. The compensation transfer is not automatically reversed from the coach's account upon refund. This means the Platform may incur a net loss on refunded transactions where compensation was issued.
Upon successful refund processing, the buyer's enrollment in the course is removed, and the associated payment and earnings records are updated accordingly.
If a purchase was recorded without a valid Stripe Payment Intent identifier (for example, due to a system error or manual enrollment), the automated refund system cannot process the refund. In such cases, the buyer should contact support@pathmind.app for manual resolution.
Courses on PathMind may be listed in various currencies as determined by the coach. When a buyer's payment currency differs from the coach's Stripe account default currency, currency conversion may occur at one or more points during the transaction. Currency conversion is handled by Stripe and is subject to Stripe's exchange rates and conversion fees.
PathMind does not control exchange rates, conversion timing, or conversion fees applied by Stripe. Small differences between the listed price and the amount received by the coach may occur due to exchange rate fluctuations, rounding, or Stripe's conversion spread. The Platform may hold balances in multiple currencies as a result of processing transactions across different currency pairs; this is a normal operational characteristic and does not affect the amounts owed to coaches or buyers.
PathMind provides sales analytics, earnings reports, and transaction history to coaches through the Platform's dashboard. These reports are provided for informational purposes only. While we strive for accuracy, the Platform does not guarantee full consistency or real-time accuracy of analytics data. Discrepancies may arise due to processing delays, currency conversion timing, pending refunds, or Stripe reporting lag.
Coaches should use Stripe's own dashboard as the authoritative source for payout amounts, fee breakdowns, and bank transfer records. PathMind's analytics are a convenience tool and should not be relied upon as the sole basis for financial, tax, or business decisions.
PathMind does not guarantee full 24/7 uptime or uninterrupted availability of the Platform. The service may undergo scheduled maintenance, updates, or experience sudden outages due to technical issues, infrastructure problems, or circumstances beyond our control.
We will make reasonable efforts to notify users in advance of planned maintenance or service interruptions, but advance notice is not guaranteed in all cases — particularly for unexpected outages or emergency maintenance. During periods of downtime, transactions may not be processable, course access may be temporarily unavailable, and payout processing may be delayed.
The Platform is not liable for any losses, missed sales, or inconvenience resulting from service downtime or unavailability, except where such losses are directly and solely caused by a Platform error covered under Section 9(e) of this policy.
PathMind stores minimal transaction-related data necessary for the proper functioning of the Platform, including:
This data is used for transaction processing, earnings calculation, refund processing, dispute resolution, and internal auditing. Sensitive payment information (card numbers, CVVs, bank account numbers) is handled exclusively by Stripe and is never stored on PathMind's servers.
Transaction records are retained for the period required by applicable tax and financial regulations. Users may request information about their transaction history by contacting support@pathmind.app.
PathMind's liability in connection with any transaction is limited to the amounts actually processed through the Platform for that specific transaction. The Platform is not liable for:
The Platform's total aggregate liability for any claim arising from or related to a transaction shall not exceed the amount of the PathMind Platform Fee collected on that transaction.
PathMind reserves the right to amend, update, or replace this Transaction Policy at any time. Changes will be posted on the Platform and will take effect upon publication unless otherwise stated. Continued use of the Platform after changes are published constitutes acceptance of the updated policy.
We encourage all users — buyers and coaches — to review this policy periodically to stay informed of any changes.
For questions, concerns, disputes, or support requests related to transactions, refunds, payouts, or any matter covered by this policy, please contact:
PathMind Support
Email: support@pathmind.app
We aim to respond to all inquiries in a timely manner and will work with users to resolve any transaction-related issues fairly and transparently.