Refund Policy

At Philo Creatives, we aim to deliver high-quality creative and digital services while keeping project expectations, payments, and refund terms clear from the beginning.

This Refund Policy explains when a refund may or may not be available for services provided by Philo Creatives.

Our services include, but are not limited to:

• Logo Design
• UI/UX Design
• Web Development
• Ecommerce Development
• Content Writing
• Social Media Marketing
• Search Engine Optimization
• Related creative and digital services

This Refund Policy should be read together with our Terms & Conditions and any project-specific proposal, quotation, Statement of Work, or service agreement.

1. Non-Refundable Scenarios

Refunds will generally not be provided in the following circumstances.

Approval of Initial Design or Mockup

Once the Client has approved an initial design, mockup, concept, or preview, payments relating to that project are non-refundable.

Approval confirms that the project has moved beyond the initial concept stage and that Philo Creatives may continue allocating time and resources toward completion.

Change of Mind

Refunds will not be provided where the Client decides not to continue with the project after payment has been made and work has commenced.

A change in preference, business direction, internal priorities, or personal circumstances does not automatically qualify the Client for a refund.

Choosing a Cheaper Service Provider

Refunds will not be available if the Client decides to move the project to another agency, freelancer, or service provider because a lower price becomes available after the project has started.

Pricing decisions made by third parties do not affect the Client’s existing payment obligations to Philo Creatives.

Final Deliverables

Refunds will not be provided once the final deliverable has been completed and accepted by the Client.

This may include final:

• Logos
• Designs
• Website files
• Ecommerce stores
• Website content
• Marketing materials
• Social media assets
• SEO deliverables
• Other completed project work

Acceptance may be demonstrated through written approval, publication, launch, use, download, transfer, or other reasonable evidence that the Client has accepted or used the deliverable.

Third-Party Services and Purchases

Refunds will not be provided for third-party products or services purchased or committed to on the Client’s behalf.

These may include:

• Website hosting
• Domain names
• SSL certificates
• Plugins
• Website themes
• Software licenses
• Stock assets
• Premium fonts
• APIs
• Paid tools
• Platform subscriptions
• Other third-party services

Such costs are generally governed by the terms and refund policies of the relevant third-party provider.

Client Inactivity

Refunds will not be available where the Client becomes unresponsive or stops participating in the project for more than seven (7) days.

Client inactivity may include failure to provide:

• Feedback
• Content
• Credentials
• Approvals
• Requested files
• Project information
• Payment
• Other materials necessary to continue the work

Extended inactivity may also affect project timelines and may be subject to the project inactivity provisions in our Terms & Conditions.

Business Performance or Failure

Refunds will not be provided because the Client’s business, website, campaign, ecommerce store, SEO campaign, social media activity, or other commercial activity does not achieve the Client’s expected business outcome.

Philo Creatives does not guarantee a specific level of:

• Revenue
• Sales
• Leads
• Search rankings
• Traffic
• Engagement
• Followers
• Conversions
• Business growth

Commercial performance depends on many factors outside our control.

2. Refundable Scenarios

A refund may be considered in the following limited circumstances.

Project Has Not Started Within 72 Hours

A refund may be available if Philo Creatives has not commenced the project within 72 hours of receiving payment, provided that no initial design, preview, draft, mockup, concept, strategy, or other project work has been shared with the Client.

If any initial project preview or work is shared within that 72-hour period, the payment will no longer qualify for a refund under this provision.

Failure to Complete the Project

A refund may be considered if Philo Creatives fails to complete the project according to the agreed scope, terms, and timeline.

Any refund under this provision will be assessed based on:

• The work completed
• The applicable project agreement
• Client participation and responsiveness
• Approved changes to scope or timelines
• Delays caused by third parties
• Other circumstances affecting delivery

A delay caused by the Client, a third-party provider, a scope change, missing information, or another factor outside Philo Creatives’ reasonable control will not automatically qualify as failure to complete the project.

Cancellation Within 12 Hours

A refund may be available where the Client submits a cancellation request within 12 hours of making payment.

This applies provided that substantial work has not already commenced and no non-refundable third-party costs have been incurred.

Requests submitted after the 12-hour period will be handled according to the other provisions of this Refund Policy and the applicable project agreement.

3. Partial Refunds

Where appropriate, Philo Creatives may approve a partial refund rather than a full refund.

The amount may take into account:

• Work already completed
• Project hours already used
• Approved milestones
• Internal resources allocated
• Third-party costs
• Administrative expenses
• Deliverables already provided
• Other non-recoverable project costs

Any partial refund is subject to review and written approval by Philo Creatives.

4. Refunds for Ongoing Services

For ongoing services such as:

• Search Engine Optimization
• Social Media Marketing
• Content Writing
• Website maintenance
• Ongoing creative support
• Other recurring services

payments relating to work already completed, commenced, scheduled, or resourced are generally non-refundable.

Cancellation of an ongoing service will apply according to the notice period, billing terms, and termination conditions stated in the applicable service agreement.

Unused future service periods may be handled according to the relevant contract or written agreement.

5. Scope Changes and Additional Work

A request for additional work, new deliverables, significant revisions, or a change in project direction does not create a right to a refund for previously completed work.

Where the Client changes the original scope, Philo Creatives may:

• Revise the project timeline
• Issue an additional quotation
• Charge for additional work
• Reallocate resources
• Update the project agreement

Payments already made for completed or commenced work remain subject to the terms of this Refund Policy.

6. Chargebacks and Payment Disputes

Clients are encouraged to contact Philo Creatives directly before initiating a payment dispute or chargeback.

We will make reasonable efforts to review and resolve legitimate concerns.

Where a chargeback is initiated for properly authorized services that have already been delivered, commenced, approved, or used, Philo Creatives may provide relevant project records, approvals, communication history, invoices, and delivery evidence to the applicable payment provider.

Nothing in this section limits any rights available to the Client under applicable law.

7. How to Request a Refund

To request a refund, contact the Philo Creatives support team and provide sufficient information for us to review the request.

Email: support@philocreatives.com

Phone: [Phone Number]

Please include:

• Your full name
• Business or company name, where applicable
• Project or service name
• Invoice or payment reference
• Date of payment
• Reason for the refund request
• Any relevant supporting information

Incomplete requests may require additional information before they can be reviewed.

8. Refund Review Time

Philo Creatives will review eligible refund requests and aim to respond within three (3) business days.

Approval is not automatic merely because a refund request has been submitted.

Each request will be evaluated against:

• This Refund Policy
• The applicable Terms & Conditions
• The relevant project agreement
• Work already completed
• Project communications
• Payment records
• Other relevant circumstances

If a refund is approved, the Client will be informed of the amount and applicable processing arrangements.

9. Refund Processing

Approved refunds will generally be returned using the original payment method where reasonably possible.

Actual processing times may vary depending on:

• Payment provider
• Bank
• Card issuer
• Payment method
• Country
• Other third-party processing requirements

Philo Creatives is not responsible for delays caused by banks, payment processors, or other financial service providers after an approved refund has been submitted for processing.

10. Relationship With Other Agreements

This Refund Policy forms part of the broader terms governing Philo Creatives services.

Where a signed project agreement, proposal, Statement of Work, or other written agreement contains specific refund or cancellation provisions, those provisions may apply to that project.

If there is a conflict between this general Refund Policy and a signed project-specific agreement, the project-specific terms will apply to the extent of that conflict.

11. Changes to This Refund Policy

Philo Creatives may update this Refund Policy from time to time to reflect changes in:

• Services
• Payment processes
• Business practices
• Legal requirements
• Project procedures

The latest version will be published on our website with an updated Last Updated date.

Changes will not ordinarily affect refund rights that have already arisen under an existing signed agreement unless permitted by applicable law.

12. Contact Information

Questions about this Refund Policy or a specific refund request may be directed to:

Philo Creatives

Email: support@philocreatives.com

Phone: +1 732 398 6956

Address: 127 Church Ln, East Brunswick, NJ 08816, USA

Website: www.philocreatives.com