This policy ensures transparent and secure payment processes.

• Pricing:
  • Based on project scope, complexity, and timeline.
  • Detailed in quotes (valid 30 days) including applicable taxes (e.g., Guinea VAT, NJ sales tax).
  • Scope changes may adjust costs, agreed in writing.
• Payment Methods:
  • Bank transfer, credit/debit cards (Visa, MasterCard), mobile money (Orange Money, MTN), PayPal.
  • PCI-DSS compliant; client covers transaction fees (e.g., bank charges).
• Payment Terms:
  • Projects: 50% deposit, 50% on delivery or per milestones.
  • Subscriptions: Monthly/annual, payable upfront, auto-renewed unless canceled (30-day notice).
  • Training: Full payment 14 days prior; group discounts available.
  • Physical Products: Full payment before shipment; credit terms for approved institutions.
  • Late Payments: 1.5% monthly penalty; services may be suspended.
• Invoicing:
  • Sent via email or secure portal with service details and payment instructions.
  • Clients provide accurate billing info (e.g., tax ID).
  • Archived for 7 years per tax regulations.
• Currencies:
  • GNF (Guinea), USD (USA/international), EUR (select clients).
  • Client bears exchange rate fluctuations; rates based on invoice date (e.g., Banque Centrale de Guinée).
• Disputes:
  • Reported within 7 days to billing@digitalvoguewellness.com with invoice details.
  • Resolved within 14 days; unresolved disputes escalate to mediation.