FINANCIAL & REFUND TERMS

Effective Date: August 22, 2026

This page sets out our standard financial terms — how invoices are structured, what happens if a payment is late, and how we handle refund requests. It applies to every engagement unless a signed proposal or Statement of Work (SOW) states otherwise.

1. Standard Payment Structure

Unless your signed Order/SOW specifies different terms, project-based engagements follow this default split:

Stage	Default Split
Upfront / Booking	40% of total project fee, before work begins
On Completion of Core Work	40% of total project fee, on completion of the agreed scope
Before Final Delivery	20% of total project fee, before final files, credentials, or access are handed over
Retainer / Ongoing Services	Monthly, in advance

2. Invoicing, Currency & Taxes

• Invoices are issued in the currency agreed in your proposal or SOW
• All fees are exclusive of applicable taxes (e.g., GST), added where required by law
• Bank or payment-gateway conversion fees for international payments are the client's responsibility
• Ad spend, licensing fees, premium assets, and other pass-through costs are billed separately unless explicitly included

3. Late Payment

Invoices not paid by their due date accrue a late fee of 0.1666% per day (approximately 5% over 30 days) on the outstanding amount, calculated daily until paid in full. We may pause work on any active engagement while payment is overdue.

4. Payment Disputes & Chargebacks

If you have a concern about an invoice, please contact us at legal@navritu.digital before initiating a chargeback with your bank or payment provider (Razorpay or Stripe) — this lets us resolve billing questions directly and quickly. An unauthorized chargeback for delivered or in-progress work may be treated as a breach of the engagement and can result in suspension of services.

5. Refund Policy

Because our services involve time, labor, and third-party costs committed from the point work begins, refunds are considered on a case-by-case basis at our discretion, taking into account work already completed, third-party costs incurred, and the stage of the engagement. Amounts paid for work already delivered or in progress are generally non-refundable.

6. Cancellations

For ongoing/retainer services, either party may terminate with 60 days' prior written notice; fees for the notice period remain payable. We may terminate immediately for non-payment or breach.

7. Contact Us

Billing questions can be sent to legal@navritu.digital.