The following explains porchlight.ca's billing procedures and refund policy.

Monthly Unlimited Internet	Annual Unlimited Internet
Monthly Unlimited Internet Fees	Annual Unlimited Internet Fees
Monthly Partial Month Fee	Annual Partial Month Fee
Credit Card Payment (VISA or Mastercard)
Pre-Authorized Payment
Cancelling Service
Cancelling Monthly Service	Cancelling Annual Service
Monthly Cancel in First Month	Annual Cancel in First Month
Refund Policy

For the Monthly Unlimited Internet package, porchlight.ca processes billing transactions very early in the morning (1:00 am ) on the first of each month (with the exception of the first partial month fee --- see below). Monthly Unlimited Internet fees are paid in advance for the month of service.

The smallest unit of Monthly Unlimited Internet available is the single month. A month runs from the first calendar day of the month to the last calendar day of the month. With the exception of the first partial month, it is not possible to purchase fractions of a month of Internet.



The charge for Monthly Unlimited Internet is $ 14.95 per month. The amount of GST is $0.75 and the total including GST is $15.70.



When a user first signs up, there will be a partial month charge for each day remaining in the month not including the day of sign up. The fee is 50 cents per day or $ 14.95 total which ever is less.

For example: If a user signs up on April 12, 2008, the partial month fee is calculated as follows

Monthly Partial Month Fee Example
Days remaining in April (not including April 12)	18
Daily charge	$ 0.50
Subtotal	18 x $ 0.50 = $ 9.00
GST	$ 0.45
	=======
Total	$ 9.45

If the user signs up on the last day of the month there is no partial month fee.

The partial month is charged to the customer during the next billing run following the day of sign up. porchlight.ca processes billing runs early in the morning (1:00 am) on the first of each month and on every Monday.

If a user continues service into the next month, a charge for renewal of service will be applied on the next first of the month. This will continue for subsequent months, if the user continues service.

For example: If the user signs up on April 12, 2008 and continues service for May 2008 the payments are as follows:

On Monday, April 14, 2008 the user will be charged the partial month amount $ 9.45
On May 1, 2008 (and subsequent firsts of the months) the user will be charged $ 15.70.



For the Annual Unlimited Internet package, porchlight.ca processes billing transactions very early in the morning (1:00 am ) on the first of the month (with the exception of the first partial month fee --- see below). Annual Unlimited Internet fees are paid in advance for the year of service.

The smallest unit of Annual Unlimited Internet available is the single year. A year of service will begin on a first of the month and run up to but not including that same day next year. With the exception of the first partial month, it is not possible to purchase fractions of a Annual Unlimited Internet.



The charge for Annual Unlimited Internet is $ 119.40 per year ($ 9.95 per month). The amount of GST is $5.97 and the total including GST is $125.37.



When a user first signs up, there will be a partial month charge for each day remaining in the month not including the day of sign up. The fee is 30 cents per day or $ 9.95 total which ever is less.

For example: If a user signs up on April 12, 2008, the partial month fee is calculated as follows

Annual Partial Month Fee Example
Days remaining in April (not including April 12)	18
Daily charge	$ 0.30
Subtotal	18 x $ 0.30 = $ 5.40
GST	$ 0.27
	=======
Total	$ 5.67

If the user signs up on the last day of the month there is no partial month fee.

The partial month is charged to the customer during the next billing run following the day of sign up. porchlight.ca processes billing runs early in the morning (1:00 am) on the first of each month and on every Monday.

If a user continues service into the next month, a charge for renewal of service for one full year will be applied on the first of that month. This will continue for subsequent years, if the user continues service.

For example: If the user signs up on April 12, 2008 and continues service for the year from the start of May 2008 through to the end of April 2009, the payments are as follows:

On Monday, April 14, 2008 the user will be charged the partial month amount $ 5.67
On May 1, 2008 the user will be charged $ 125.37.



Users who use a credit card payment method (Visa or Mastercard) will have their cards charged during the first days of the month (normally the first). The first partial month payment is an exception. It will be charged on the next billing run after the day of signup. porchlight.ca processes billing runs early in the morning (1:00 am) on the first of each month and on every Monday.

If a user wishes to make changes to the credit card information porchlight.ca has on file, the changes must be brought to porchlight.ca's attention on or before the last day of the month. Changes made on the first of the month will not apply until the following month.

If porchlight.ca does not have valid credit card information on file or the credit card on file has expired, a user's Internet access will be deactivated after the term for which service is paid.
If when porchlight.ca applies a charge to a credit card, the charge is not authorized, the user's Internet access will be deactivated. A user can have their service reactivated by calling porchlight.ca. porchlight.ca must be able to authorize the charge to a credit card before service is reactivated.



Users who use the pre-authorized payment method (by providing a voided cheque) will have their fees charged on the first of the month, although processing may take several days. The first partial month payment is an exception. It will be charged on the next billing run after the day of signup. porchlight.ca processes billing runs early in the morning (1:00 am) on the first of each month and on every Monday. Again, although porchlight.ca may process the payment on a specific day, it may take several days before the funds are actually removed from the users' bank accounts.

porchlight.ca cannot arrange pre-authorized payments to be charged on a specific day of the month at the users request.

If a user wishes to make changes to the pre-authorized information porchlight.ca has on file, ie. the user wishes to use a different bank account, the changes must be brought to porchlight.ca's attention on or before the last day of the month. Changes made on the first of the month will not apply until the following month.

Pre-authorized payments may take several days for complete processing. ALTHOUGH PORCHLIGHT PROCESSES PRE-AUTHORIZATION PAYMENTS ON A PRESCRIBED DAY, THE FUNDS MAY NOT NECESSARILY BE DEBITED FROM THE USER'S ACCOUNT ON THAT DAY. THE PROCESSING OF THE PAYMENT MAY TAKE ONE OR MORE DAYS BEFORE THE FUNDS ARE ACTUALLY DEBITED FROM THE BANK ACCOUNT.

A user's Internet access will be deactivated after the term for which service is paid if porchlight.ca does not have valid pre-authorized payment information on file.

The user is responsible for ensuring the bank account for which funds are debited from is active, and has sufficient funds AT THE TIME THAT THE DEBIT OF THE FUNDS IS ATTEMPTED.

If payment is not collectable, the user's Internet access will be deactivated. A user can have their service reactivated by calling porchlight.ca. For service to be reactivated, the user can either:

i) charge outstanding fees to an authorized credit card
or,
ii) arrange to have the outstanding charges paid via preauthorized payment on the following billing run.

If payment is not collectable the second attempt via preauthorized payment, the user's Internet access will be deactivated once again. Then, the user can only receive Internet service by paying outstanding fees with an authorized credit card.



If a user contacts porchlight.ca five (5) days before the account would be renewed, they can cancel their Unlimited Internet service and it will not renew for the next period of service.



If a user contacts porchlight.ca five (5) days before the account would be renewed (the account is renewed on the first of the month), they can cancel their Monthly Unlimited Internet service and it will not renew for the next month.



If a user cancels service during the same month they signed up, only the partial month charge applies. The charge will be applied on the next Monday after the day of signup.

For example: Suppose a user signs up on April 12, 2008 and cancels service on or before April 30, 2008

Cancel Monthly in First Month
April 13 to April 30	$ 9.45
	=======
TOTAL	$ 9.45

On Monday, April 14, 2008 the user will be charged $ 9.45 and no further charges will apply.





Annual accounts are non-refundable.



If a user contacts porchlight.ca during the same month they signed up, they can request to have their Annual Unlimited Internet service cancelled before the full year payment has been applied.

Then only the partial month fee will be charged. The charge will be applied on the next Monday after the day of signup.

For example: Suppose a user signs up on April 12, 2008 and cancels service on or before April 30, 2008

Cancel Monthly in First Month
April 13 to April 30	$ 5.67
	=======
TOTAL	$ 5.67

On Monday, April 14, 2008 the user will be charged $ 5.67 and no further charges will apply.





porchlight.ca prepaid Unlimited Internet service is not refundable.

If a user signs up with porchlight.ca and is unable to get the Internet service to work reasonably, the user may cancel within 2 days of signing up and a credit will be granted for any charges applied. The user must be willing to work with porchlight.ca's technical support personnel to resolve any technical issues. porchlight.ca reserves the right to determine if the user showed willingness to resolve technical issues.

Annual Unlimited Internet package users will not receive a refund if they wish to terminate their service.