Payment Policy

1. Currency & Pricing

All prices quoted and invoiced by Vivek Expert are in UAE Dirhams (AED) unless otherwise agreed in writing. Quotes are valid for 30 days from the date of issue. Prices are exclusive of VAT where applicable under UAE Federal Tax Authority regulations.

2. Payment Schedule

Our standard payment structure is designed to protect both parties:

For larger projects exceeding AED 50,000, milestone-based payment schedules may be agreed upon in the project contract.

3. Accepted Payment Methods

• Bank Transfer (Preferred) — UAE bank transfers to our designated business account. Details provided on invoice.
• Online Payment Link — Secure payment links via our payment gateway, accepting major credit and debit cards.
• Cheque — Payable to Vivek J Krishnan. Cheques must clear before work commences.

Cash payments are not accepted. All transactions must be traceable for accounting and compliance purposes.

4. Invoice Terms

• Invoices are due within 7 calendar days of the invoice date.
• Invoices not paid within 7 days are considered overdue.
• Overdue invoices may incur a late payment charge of 2% per month on the outstanding balance, calculated from the due date.
• We reserve the right to pause or suspend work on any active project where an invoice remains unpaid beyond 14 days.

5. Monthly Retainer Services

For ongoing services (SEO, social media management, maintenance retainers), the following terms apply:

• Retainer fees are invoiced monthly, in advance, on the 1st of each month.
• Payment is due within 5 days of invoice date.
• Services will be suspended if payment is not received within 10 days of the due date.
• Retainer agreements require 30 days written notice to cancel.

6. Refund Policy

• Deposits are non-refundable once work has commenced, as they cover initial research, planning, and resource allocation.
• If Vivek Expert is unable to deliver the agreed services through no fault of the client, a pro-rata refund will be issued for work not yet completed.
• Refunds are not provided for completed work that has been delivered and approved.
• Disputes regarding work quality must be raised within 14 days of delivery. We are committed to resolving all issues through our revision process before any refund is considered.

7. Disputed Invoices

If you believe an invoice contains an error, please notify us within 5 days of receipt at talk@vivek.expert. We will review and respond within 3 business days. Undisputed portions of an invoice remain payable by the due date.

8. Third-Party Costs

Third-party costs such as domain registrations, hosting, stock imagery, premium plugins, advertising spend, or software licences are not included in our service fees unless explicitly stated. These are either invoiced separately or require the client to provide their own accounts. We will never charge a markup on third-party costs without prior disclosure.

9. Contact

For billing enquiries, contact us at talk@vivek.expert or call +971 55 830 0695.