Scope & Application
This Payment Policy governs all financial transactions between Gitardor Limited ("the Company", "we", "us") and any individual, business, or organisation ("Client", "you") that engages our services. By commissioning any service from Gitardor Limited, you confirm that you have read, understood, and agreed to be bound by this policy in its entirety.
This policy applies to all service categories offered by Gitardor Limited, including but not limited to: Web Development, Ecommerce Store Development, Digital Marketing, Content Creation & Writing, Online School Development, AI Chatbot Development, Digital Product Creation, Marketing Funnel Design, and Writers' Hub subscription membership.
This policy forms part of and must be read in conjunction with Gitardor Limited's Terms of Service and Privacy Policy. In the event of any conflict between this Payment Policy and a separately executed Project Agreement or Service Contract, the terms of the signed agreement shall take precedence for that specific engagement.
Integrity is our Watchword. We believe honest and transparent financial practices are the foundation of every lasting professional relationship. We will always be clear about what we charge, when we charge it, and why — before you commit.
Accepted Payment Methods
We offer multiple secure payment channels to accommodate clients across Nigeria and internationally. All payment channels listed below are verified and monitored to ensure the security and integrity of every transaction.
Bank Transfer (Nigeria)
Direct bank-to-bank transfer to our verified Gitardor Limited business account. Our bank details — including account name, account number, and bank name — will be stated clearly on every invoice issued.
Card Payment (Online)
Visa and Mastercard debit/credit card payments processed via our secure, PCI-compliant payment gateway. Supported for both Naira and international card transactions.
Mobile Money & USSD
Nigerian mobile payment platforms including but not limited to Opay, Palmpay, Kuda, and USSD transfers from any Nigerian commercial bank are accepted for local transactions.
International Wire Transfer
For international clients, wire transfers to our designated USD/GBP/EUR receiving accounts are accepted. All SWIFT/BIC and IBAN details will be provided upon invoice issuance for international projects.
PayPal & Payoneer
Accepted for international clients by prior arrangement. Please notify our accounts team at the time of project confirmation so the appropriate invoice can be prepared for these platforms.
Crypto (By Request)
USDT (TRC-20) and other stable digital currencies may be accepted for select international projects on written request and at Gitardor Limited's sole discretion. Applicable transaction fees are borne by the client.
Important: Gitardor Limited will never request payment via personal accounts, unverified third-party platforms, or informal channels (e.g., personal WhatsApp requests for account numbers). All payment details originate only from official Gitardor invoices sent from [email protected]. If in doubt, contact us before transferring any funds.
Pricing & Quotations
All project pricing at Gitardor Limited is custom-scoped to each client's specific requirements. We do not offer generic off-the-shelf packages that may be misaligned with your actual needs. Every quotation is a considered, professional estimate reflecting the true scope of work.
Upon receipt of your project brief or enquiry, our team will prepare a detailed written Quotation or Proposal document specifying the scope of work, deliverables, timeline, and total fee. This document will be sent to your registered email address for review.
Quotations are valid for 30 calendar days from the date of issue. After this period, we reserve the right to revise pricing to reflect any changes in scope, resource availability, or market conditions.
Fixed-Price Projects
Ideal for projects with a clearly defined scope. A total project fee is agreed upon upfront and paid in structured milestones. Scope changes after project commencement will require a formal Change Order and may attract additional fees.
Time & Materials
Applied to ongoing retainers, consulting engagements, and projects with evolving scope. Billed monthly based on actual hours worked and deliverables completed, against an agreed hourly or daily rate.
Scope Change & Variation Orders
Any additions to the original project scope requested by the Client after work has commenced will be assessed separately. A written Change Order will be issued detailing the additional cost and timeline impact. Work on scope additions will only begin upon written approval and, where applicable, payment of the additional fee or deposit.
Price Lock Guarantee: Once a Quotation is accepted in writing and the initial deposit is received, the agreed project price will not be increased, provided the project scope remains unchanged. We honour our word.
Payment Schedule
To ensure the fair distribution of risk for both parties and to maintain consistent project momentum, Gitardor Limited operates a milestone-based payment structure for all project-based engagements. This approach protects you as a client while enabling us to dedicate focused resources to your project.
Initial Deposit — 50% of Total Project Fee
A non-refundable deposit equal to 50% of the total agreed project fee is due before any work commences. Upon receipt of this payment, your project is formally scheduled, and your dedicated team is assigned. This deposit covers strategy, planning, initial design work, and resource allocation.
Interim Payment — 25% of Total Project Fee
Due upon delivery of the mid-project review package — typically including design mockups, development previews, draft content, or a staging environment, depending on the service engaged. This payment unlocks the development, integration, and final production phase of your project.
Final Payment — 25% of Total Project Fee
The remaining balance is due upon completion of the project and prior to the final delivery, handover, or go-live. Final deliverables — including source files, credentials, live website access, or published materials — will only be released upon confirmation of full payment. An invoice for this amount will be issued alongside the final review package.
Note on Small Projects (Under ₦150,000 / $100 equivalent): For smaller commissions — including single-page websites, short-form content packages, social media design sets, and similar — full payment upfront may be required at Gitardor's discretion. This will be clearly stated in your Quotation.
For ongoing retainer arrangements, digital marketing campaigns, and content creation packages, a monthly advance payment model applies. Retainer fees are invoiced on the 1st of each calendar month and are due within 7 working days. Work for the coming month commences only upon receipt of the monthly retainer.
Invoicing Terms
All financial transactions are documented through formal Gitardor Limited invoices. Invoices are issued exclusively in digital format and constitute the only official requests for payment from our company.
| Invoice Item | Detail | Standard Term |
|---|---|---|
| Deposit Invoice | Issued upon acceptance of Quotation / Proposal | Due Immediately |
| Mid-Project Invoice | Issued upon delivery of Milestone 2 review package | Due Within 3 Days |
| Final Invoice | Issued alongside final deliverables / go-live package | Due Within 3 Days |
| Monthly Retainer | Issued on the 1st of each calendar month | Due Within 7 Days |
| Change Order Invoice | Issued upon agreed scope change / variation | Due Before Work Starts |
| Ad-Hoc / Additional Services | Issued at point of service delivery | Due Within 5 Days |
All invoices are sent to the email address provided at the time of project engagement. It is the Client's responsibility to ensure this address is active and monitored. If you have not received an expected invoice within 24 hours of an agreed milestone, please contact us immediately at [email protected] before assuming non-receipt.
All invoices contain a unique reference number, itemised description of services, applicable taxes, total amount due, accepted payment methods, and the due date. Clients are advised to retain all invoices for their records. Gitardor Limited maintains records of all issued invoices for a minimum of 7 years.
Subscription & Recurring Billing
Several of Gitardor Limited's offerings are provided on a subscription or recurring-service basis. This includes Writers' Hub membership, hosted Online School platform fees, AI Chatbot maintenance plans, Digital Marketing retainers, and ongoing Website Care Plans.
Billing Cycles
Subscriptions are available on monthly, quarterly, or annual billing cycles depending on the service tier. Annual plans attract a discount — please refer to your individual service agreement for the applicable rate.
Auto-Renewal
Unless formally cancelled in writing at least 7 days before the next billing date, all subscriptions renew automatically at the current applicable rate. Renewal invoices are sent 5 days in advance of each billing date.
Cancellation of Subscriptions
To cancel a subscription, submit a written cancellation request to [email protected] at least 7 days before the next renewal date. Access to subscription services will remain active until the end of the current billing period. No partial-period refunds are issued once a billing cycle has commenced.
Pricing Changes
Gitardor Limited reserves the right to revise subscription pricing. Existing subscribers will be notified by email at least 30 days before any price change takes effect. You may cancel without penalty within that 30-day notice window if you do not accept the new rate.
Late Payment Policy
Timely payment enables us to maintain dedicated team resources, meet project deadlines, and uphold the service quality our clients expect. The following provisions apply in cases of delayed or missed payment.
Payment Reminder
A courtesy payment reminder is sent via email on the due date or up to 2 days after, acknowledging that delays can sometimes occur unintentionally. No penalties apply at this stage.
Work Suspension — Day 7
If payment remains outstanding 7 days after the due date, all active work on the Client's project will be suspended until the overdue amount is settled in full. Any project timelines will be adjusted accordingly; Gitardor Limited accepts no liability for delays resulting from payment suspension.
Late Payment Charge — Day 14
A late payment surcharge of 5% of the outstanding invoice amount is applied to any invoice unpaid after 14 calendar days from the due date. A further 2% per additional 14-day period may be applied for continued non-payment.
Access Revocation — Day 21
For subscription services and hosted platforms (including online schools, hosted ecommerce stores, and chatbot integrations), access and services will be suspended after 21 days of non-payment. Data is retained for 30 days pending settlement, after which it may be permanently removed.
Debt Recovery — Day 30
Accounts outstanding beyond 30 days from the due date may be referred to our legal advisors or a registered debt recovery agency. All associated legal costs, collection fees, and charges will be added to the outstanding balance and are the sole responsibility of the Client.
Payment Plans: We understand that cash flow challenges can arise. If you anticipate difficulty meeting a payment deadline, please contact us proactively at [email protected] before the due date. We are open to discussing reasonable structured payment arrangements, and we will always treat such requests with discretion and professionalism.
Refund Policy
Due to the bespoke, time-intensive, and intellectually proprietary nature of our digital services, refunds are governed by the stage of project completion at the time any cancellation request is received. We encourage all clients to review their project briefs carefully before commencement.
Cancellation Before Commencement
If a project is cancelled in writing before any work has commenced — typically within 48 hours of the deposit being received and before project briefing — a full refund of the deposit will be issued within 10 business days, less any applicable transaction/processing fees.
Cancellation Within 72 Hours of Commencement
Where work has commenced but is in the early strategy and research phase, a 50% refund of the deposit paid may be considered at Gitardor's sole discretion, based on the volume of work already completed.
Cancellation After Significant Work is Underway
No refund is available once a project has entered the active development, content production, or design execution phase. All payments made to that point compensate for work already rendered and resources committed. You will be provided with all completed deliverables at the time of cancellation.
Subscription Services
Monthly subscription fees are non-refundable once a billing cycle has commenced. Clients may cancel future renewals at any time without penalty, provided written notice is received at least 7 days before the next billing date.
Service Failure: In the rare event that Gitardor Limited is unable to deliver the agreed scope of work due to circumstances within our control, we will offer a full or partial refund proportional to the undelivered work, or an equivalent credit toward future services — at the Client's preference.
All refund requests must be submitted in writing to [email protected] and include your project reference number, original invoice, and a brief description of your reason for cancellation. Refunds are processed within 10 business days of approval.
Currency & Exchange Rates
Gitardor Limited serves clients across Nigeria and internationally. Our pricing and invoicing currency varies based on the client's location and the nature of the engagement.
Nigerian Naira (₦)
The primary currency for all domestic Nigerian clients. All Naira invoices are processed at face value with no conversion risk. This is our default currency for projects scoped and quoted locally.
USD / GBP / EUR
International clients outside Nigeria may be invoiced in US Dollars, British Pounds, or Euros, as agreed at project engagement. Exchange rates applied to any Naira conversion follow the CBN official rate on the date of invoice issuance.
Exchange Rate & Currency Risk
For projects quoted in Naira but involving international payment channels, any shortfall arising from exchange rate fluctuation between quotation and payment dates is the responsibility of the Client. Gitardor Limited reserves the right to re-quote in cases where currency movement exceeds 10% between the date of quotation and date of payment. All applicable bank charges, transfer fees, and intermediary bank charges for international transfers are borne by the Client.
Taxes & Statutory Levies
Gitardor Limited is a registered Nigerian business and operates in full compliance with the Federal Inland Revenue Service (FIRS) and all applicable Nigerian tax regulations.
Where applicable under Nigerian law, Value Added Tax (VAT) at the current statutory rate (currently 7.5%) will be added to invoice totals for qualifying services rendered to Nigerian-based clients. VAT is itemised separately on all invoices where applicable so that you have full transparency on the breakdown of amounts charged.
For international clients, invoices may be issued exclusive of VAT depending on your jurisdiction and the applicable tax treaty provisions. Clients are responsible for meeting any tax obligations arising from payments made to Gitardor Limited in their own country or jurisdiction, including any applicable withholding taxes, digital services taxes, or equivalent levies.
Withholding Tax (WHT) deductions are recognised where required by Nigerian law for corporate clients. Please ensure that WHT credit notes are issued alongside any deductions made, as these are required for our tax compliance filings. Failure to provide WHT credit notes may result in invoices for the deducted amounts being reissued.
Payment Disputes
We take every billing concern seriously. Our goal is always to resolve disputes quickly, fairly, and professionally — without recourse to formal processes unless absolutely necessary.
Submit in Writing Within 5 Days
Any dispute relating to an invoice must be raised in writing to [email protected] within 5 business days of the invoice date. Your email should reference the invoice number, specify the disputed amount and the reason for the dispute. Disputes received after 5 business days of invoice issue will be treated as acceptance of the invoice.
Gitardor Review Within 3 Business Days
Our accounts team will acknowledge your dispute within 24 hours and complete a full internal review within 3 business days. We will respond with either a corrected invoice, a written explanation, or a request for further information from both parties.
Mutual Agreement or Escalation
We expect the vast majority of billing disputes to be resolved at Step 2. If a mutually satisfactory resolution cannot be reached, either party may escalate to a formal mediation process governed by Nigerian law. During an active dispute, the undisputed portion of any invoice remains due and payable in accordance with standard terms.
Billing Enquiries & Disputes
For all invoice queries, payment confirmations, and billing disputes, contact our accounts team at [email protected] — clearly marking your email subject line as "Invoice Query — [Your Invoice Reference]". We respond within 24 business hours.
Governing Law & Jurisdiction
This Payment Policy, along with all financial obligations and agreements arising from engagements with Gitardor Limited, is governed by and shall be construed in accordance with the laws of the Federal Republic of Nigeria.
Any dispute, controversy, or claim arising out of or in connection with this policy or any financial transaction with Gitardor Limited — including any question regarding its existence, validity, or termination — shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria, unless otherwise agreed in a separately executed contract.
For international clients, while Nigerian law governs all contractual and financial matters, Gitardor Limited acknowledges its obligations under applicable international commercial law and data protection standards where relevant. Any arbitration shall be conducted in Lagos, Nigeria, in the English language, in accordance with the Arbitration and Conciliation Act (as amended) of Nigeria.
This policy was last updated on January 1, 2025 and supersedes all prior versions. Gitardor Limited reserves the right to update this policy at any time. Material changes will be communicated to active clients via email with at least 14 days' notice before taking effect. Continued engagement with Gitardor Limited following such notification constitutes acceptance of the revised policy.
Questions about this Policy? We welcome any questions or clarifications. Reach our team at [email protected] — marking your subject line "Payment Policy Enquiry." We will respond within one business day. Our business hours are Monday to Friday, 9 AM – 6 PM (WAT), and Saturday, 10 AM – 2 PM.