Terms and Conditions

1. Payment Methods

Csek Creative accepts the following payment methods:

● Cheques

● Credit cards (processed via Stripe)

● Bank transfers

● Wire transfers

● E-transfers

2. Payment Terms

● Payment structures vary based on project scope and will be outlined in the client agreement. However, a minimum deposit of 25% is typically required before work begins.

● Late payments may be subject to a 2% interest charge. Accounts overdue by 90+ days with no reasonable effort made to settle the balance may be sent to collections.

● Refunds are only provided for work that has not yet been completed.

● Payments are processed in CAD or USD. Additional fees may apply for USD transactions; please request a custom estimate for details.

3. Payment Processing

● All credit card payments are securely processed through Stripe.

● A 2.75% credit card fee applies to cover processing costs.

4. Refunds and Cancellations

● Refunds are only available if work has not yet commenced.

● Any requests for refunds or cancellations must be submitted before work begins and will be reviewed on a case-by-case basis.

5. Dispute Resolution

● Payment disputes will first be addressed through mediation. If no resolution is found, disputes may escalate to the appropriate local jurisdiction.

● Clients with payment-related concerns can reach out to us at accounting@csekcreative.com or contact their designated Csek Creative representative.

6. Intellectual Property

● Upon full payment, clients gain ownership of the final deliverables. However, Csek Creative retains ownership of all source files unless otherwise agreed upon in writing.

7. Governing Law

● These terms and conditions are governed by the laws of British Columbia, Canada.

8. Limitation of Liability

● Csek Creative is not liable for any indirect, incidental, or consequential damages resulting from payment processing, service delivery, or any other financial transactions related to our services.

● Clients acknowledge that any disputes or issues arising from payments must follow the dispute resolution process outlined above.