付款与分期条款

1. Payment processing

Payments are processed by Stripe, Inc. on our website. We accept the payment methods shown at checkout, which may include credit and debit cards, Apple Pay, Google Pay, Link and PayPal where available. Your full card details are sent directly to Stripe and are never stored on our servers. All amounts are in US dollars.

2. Your price

The amount you pay is the price confirmed at checkout or in your Order, calculated by our system from your selections. The price shown to you is fixed for the scope in your Order. Instalment plans have no interest and no finance charge: the total of your instalments equals the price of the services.

3. Payment plans for Software Services

Depending on eligibility and your Order, you may choose to pay: (a) in full at checkout; (b) a deposit at checkout and the balance in equal payments every three (3) months; (c) a deposit and twelve (12) equal monthly payments; or (d) a deposit and twenty-four (24) equal monthly payments. Your Order and the checkout screen show the deposit, the amount of each payment, the number of payments, the dates and the total.

An instalment plan is a payment schedule for services, not a loan or a line of credit. You owe the full price of the Order; the plan only spreads when it is paid. Approving a payment plan is at our discretion.

4. Marketing plans

Marketing plans have a one-time setup amount (where applicable), one-time add-ons, and a monthly management fee. The fixed monthly fee covers advertising spend up to the level stated in your plan for each platform; where actual spend on a platform exceeds that level, a percentage fee on the excess is charged monthly in arrears based on the platform's spend reports, as shown in your plan.

Marketing plans have a minimum term of three (3) months and then continue month to month until cancelled as described below. Advertising spend is paid by you directly to each platform and is never collected by us.

5. Authorization for recurring charges

By choosing an instalment plan or a marketing plan and checking the box at checkout, you authorize 360 Brand Craft, through Stripe, to save your payment method and to charge it automatically: (a) for each scheduled instalment, in the amount and on the dates shown at checkout, until the plan is paid in full; and (b) for marketing plans, each month in the amount of your monthly fee (plus any percentage fee on spend above the included level and any add-ons you approve), on or about the same day each month, until your plan is cancelled.

We send an electronic receipt for every charge. If an amount will change for a reason other than spend-based fees or add-ons you approved, we will notify you at least ten (10) days before charging the new amount. You can update your payment method at any time in your client portal.

6. How to cancel

You can cancel a marketing plan at any time, effective at the end of the minimum term or, after it, at the end of the current monthly period, by using the cancellation option in your client portal or by emailing support@360brandcraft.com with the words "cancel my plan". We confirm every cancellation by email. Cancelling stops future monthly charges; it does not refund fees for periods already started (see the Refund Policy).

Instalment plans for Software Services pay for work you ordered. Stopping instalment payments does not cancel the amount owed. If you want to end a software project early, write to us: termination is handled under the Terms (you pay for work performed and costs incurred to that date) and any remaining instalments are adjusted accordingly.

7. Failed or late payments

If a scheduled payment fails, Stripe may retry it over the following days and we will notify you so you can update your payment method. If a payment remains unpaid for fifteen (15) days after the due date, we may pause work, portal access to undelivered items and, for marketing plans, campaign management, until the account is brought current.

If a payment remains unpaid for thirty (30) days after written notice, we may declare the remaining balance of the Order due immediately and use lawful collection methods. You agree to pay reasonable costs of collection, including attorneys' fees, to the extent permitted by Florida law. We do not charge interest on instalments.

8. Questions and card disputes

If you think a charge is wrong, please contact us first at support@360brandcraft.com; we will review it within five (5) business days and refund any charge made in error. Filing a chargeback without contacting us first does not cancel your obligation to pay for services received. If a chargeback is filed, we may pause services and will provide the payment provider with your Order, your acceptance of these terms and the record of work delivered.

9. Contact

360 Brand Craft LLC, 255 S Orange Avenue, Suite 104 #1669, Orlando, FL 32801, United States. Email: support@360brandcraft.com.