🧾 HopeTex Private Limited – Payment Terms and Conditions

Effective Date: 14 March 2020
Company: HopeTex Private Limited
Registered Offices: Pakistan | United Kingdom | United States
Website: www.hopetexx.com

1. Payment Acceptance

• All payments must be made in advance before any service or application processing begins.
• We accept payments via Bank Transfer, Debit/Credit Cards, Wise, Payoneer, PayPal, JazzCash, and Easypaisa.
• In some cases, partial payments may be accepted only if approved by management.

2. Currency

• All prices are quoted in USD ($) unless otherwise specified.
• For payments made in PKR, GBP, or EUR, the exchange rate will be based on the current market rate at the time of transaction.

3. Invoice and Receipts

• An official receipt/invoice will be issued upon successful payment.
• Customers are advised to keep a copy of the receipt for future reference.

4. Refund Policy

• No refunds will be provided once the service is initiated, unless:
  • A package includes a written money-back guarantee.
  • A government body (IRS, Companies House, etc.) officially rejects the application due to reasons not caused by the customer.
• In the case a refund is granted, HopeTex will deduct 12% from the total paid amount to cover income tax, processing, and bank charges.
• Refunds (if applicable) will be processed within 7–14 business days.

5. Service-Specific Warranties

• For services like PayPal, Wise, Stripe, Slash, Payoneer approvals, HopeTex provides a 24-hour checking warranty from the time of delivery.
• Beyond 24 hours, the customer agrees that HopeTex is not responsible for account suspension, limitation, or rejection.
• These decisions are taken by the respective platforms and not in our control.

6. Delayed Payments

• Orders with pending payments will not be processed or delivered until full payment is received.
• HopeTex reserves the right to cancel unpaid orders after 7 calendar days unless otherwise agreed.

7. Disputed Transactions

• If a payment is disputed (chargeback or reversal), the customer’s service access will be suspended until the matter is resolved.
• HopeTex may report fraudulent chargebacks to relevant legal and banking authorities.

8. Taxes & Fees

• Customers are responsible for any bank charges, foreign exchange fees, or local taxes imposed by their payment provider or government.

9. Changes to Terms

• HopeTex reserves the right to update or modify these Payment Terms at any time. Updated versions will be posted on our website.

10. Contact & Support

For billing questions or clarification:
📧 Email: support@hopetexx.com
📞 Phone / WhatsApp: +92-300-34-77777