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Financial Analyst

Disclaimer 

Consumer Financing

Legal Disclosures & Consumer Loan Notice

BLE Enterprises (“BLE Schools”) is committed to ensuring transparency, legal compliance, and informed decision-making for all families engaging with our tuition-based services. The following legal disclosures apply to all enrollment, tuition, and financing agreements under BLE Schools, which include Preference Academy, Wollingsford Academy, BLE International, and Bridgeview Academy.

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🔹 1. Refund Policy – Legal Disclosure

By enrolling in BLE Schools and submitting any form of tuition or fee payment, families agree to the following refund terms and limitations:

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Non-Refundable Fees

  • Application and Enrollment Fees are non-refundable under any circumstance. These cover administrative processing and seat reservation regardless of attendance.

Monthly Tuition Payments

  • Tuition refunds are only available by written request within ten (10) calendar days of the payment date and must be received before the 15th of the same month.

  • No refunds will be issued after this period or once services have been accessed (e.g., classes, coaching, platforms, orientation).

Partial Attendance and Withdrawal

  • Refunds are not issued for partial-month attendance unless due to a verifiable and documented school error.

  • Withdrawal from the program does not release the family from financial responsibility for any months attended or contractually agreed.

Processing Timeline

  • Approved refunds will be processed within 30 business days.

  • Transaction fees from payment processors (e.g., Stripe, PayPal) and administrative costs will be deducted from refund amounts.

 

🔹 2. Suspension Policy – Legal Disclosure

BLE Schools reserves the legal right to suspend student access to academic services due to non-payment or breach of tuition agreement.

Suspension Triggers

  • Tuition is due on the date selected during payment plan setup or per the in-house financing contract.

  • A 3-day grace period is provided.

  • Automatic suspension occurs on the 10th day past the due date if no payment is received.

Suspension Effects

Suspended students lose access to:

  • Live instruction and virtual classrooms

  • Teacher communication and coaching

  • Grading portals, course materials, and support services

Reinstatement Requirements

  • Payment of all outstanding balances

  • A $25 reinstatement fee

  • Review of tuition status if this is a repeat suspension

Note: Suspension is not equivalent to withdrawal. Full tuition remains due unless a withdrawal is formally submitted and approved.

 

🔹 3. Chargeback & Dispute Policy – Legal Disclosure

Initiating a chargeback, payment dispute, or unauthorized reversal of tuition without first contacting BLE Schools violates your signed Tuition Agreement and may lead to serious financial and legal consequences.

 

Consequences of Unauthorized Chargebacks

  • Immediate suspension of enrollment

  • $50 dispute processing fee

  • Responsibility for:

    • Full unpaid tuition balance

    • Legal fees, collections costs, and damages

  • Permanent ineligibility for:

    • BLE in-house financing

    • Future discounts or scholarships

  • Student records/transcripts will be held until the balance is resolved

 

Dispute Resolution Requirement

Families must:

  • First contact BLE Tuition Management Team at FinanceTeam@BLESchools.org

  • Allow up to 5 business days for review and resolution before pursuing external actions

 

By submitting any payment, families agree to resolve billing concerns internally before engaging in outside dispute or chargeback procedures.

 

🔹 4. In-House Financing – Consumer Loan Disclosure

BLE Enterprises provides in-house tuition financing as a consumer credit product, legally classified as a private, interest-bearing educational loan.

 

Consumer Loan Terms

  • Loan Type: Closed-end consumer installment loan

  • Lender: BLE Enterprises (Virginia-based entity)

  • APR: Ranges from 0% to 3.5% depending on amount and agreement

  • Administrative Fee: $50 (flat)

  • Loan Term: Typically 10 months (custom terms available)

  • Prepayment Penalty: None

  • Late Fee: $15 if payment is 3+ days past due

  • Returned Payment Fee: $25

 

 Legal Obligations

By signing the financing agreement, the borrower agrees to:

  • Repay the full financed tuition according to the scheduled terms

  • Accept liability for the total amount financed, including applicable fees

  • Understand that default (30+ days late) may result in:

    • Suspension from academic access

    • Debt collections

    • Litigation and judgment enforcement

    • Impact on eligibility for future BLE services

 

Truth-in-Lending Act (TILA) Compliance

A full TILA-compliant disclosure statement is provided at the time of financing approval, detailing:

  • Finance charges

  • Total amount financed

  • Payment schedule

  • APR

  • Late fees and default terms

 

Families are encouraged to review all terms carefully and may request clarification before signing.

 

🔹 5. Jurisdiction & Governing Law

All BLE Schools contracts, policies, tuition agreements, and financing documents are governed by the laws of the Commonwealth of Virginia, USA.

 

Legal Venue

  • Any disputes, legal actions, or proceedings relating to enrollment or financial obligations shall be resolved in the City of Alexandria, Virginia.

  • This includes, but is not limited to, tuition debt recovery, contract enforcement, and collections disputes.

 

Entity Authority

  • BLE Schools operates under BLE Enterprises, a Virginia-based entity with jurisdictional oversight of all student accounts and contractual matters across its virtual school system.

 

🔹 6. Consumer Rights Statement

As a consumer, you have the right to:

  • Request a copy of your tuition or financing agreement

  • Receive a full disclosure of loan or billing terms

  • Withdraw from BLE Schools in accordance with policy

  • File disputes through our internal resolution channels

  • Receive documentation of your payments and account standing

 

For all inquiries or concerns, contact us directly:

BLE Tuition Management Team
📧 FinanceTeam@BLESchools.org
🕒 Office Hours: Tuesday–Friday, 10:00 AM – 2:00 PM EST

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