This AGREEMENT OF PURCHASE and REFUND POLICY is made and entered into by and between the person identified below in the AGREEMENT OF PURCHASE and REFUND POLICY Sign-Off Section (“You”) and “PAGECRAFT PUBLISHING” (“We” or “Us”) and shall be effective on the date on which it is first signed by You, whether electronically or by hand (“Effective Date”). The parties acknowledge and agree to this Agreement of Purchase and Refund Policy to perform certain services.

Payment Contract

1. Acceptable Payment Forms. The only permitted forms of payment pursuant to this Payment Contract are those credit cards, debit cards (credit charge), and wire transfers accepted by Us at the time You sign this Agreement.

2. Currency. All purchase prices are expressed in US dollars. You should pay all amounts due under this Payment Contract, including the purchase price, indemnification, and any other amounts owned under the Agreement or this Payment Contract in US dollars. If you make a payment in any currency other than US dollars (“Local Currency”), you shall pay any difference between the conversions of the amount paid in Local Currency converted into US dollars at the prevailing conversion rate (“US dollar equivalent”) compared to the US dollar purchase price (“Shortfall”).

3. Non-refundable processing fee. A one-time, non-refundable processing fee of $30 (Processing Fee) will be assessed and added to your first payment under this Payment Contract. If you later seek, or become eligible, for a refund pursuant to the terms of the Agreement, the Processing Fee shall not be refunded and shall be deducted from the amount of any refund issued to you.

4. Payment Schedule. You may choose to pay the total amount due for the Service Order to which this Payment Contract applies (“Total Amount Due”) in installments (“installments”). The amount due for the first installment (the “Initial Payment”) shall be the Total Amount Due divided by the total number of installments, or $30.00, whichever is higher (“Initial Payment Total”). The Initial Payment is due on the date you sign this Payment Contract. The amount due each month for the remaining installments shall be the Outstanding Balance (the Total Amount Due less the Initial Payment Total) divided by the number of installments remaining after the Initial Payment (“Recurring Monthly Payments”). The Recurring Monthly Payments are due and payable every month, starting on the due date set forth below for the first Recurring Monthly Payment, and continuing each month thereafter until the Total Amount Due is paid in full. You may or may not skip or change payment dates.

5. Fees and Charges Responsibility. We are not responsible for any fees that you may incur due to insufficient funds at the time we process payment through the payment information you have supplied to us.

Refund Policy

In certain cases, and within certain limits, purchases may be refunded if the permitted work has NOT started yet.