PAYMENT POLICY

Last updated: May 05, 2026

1. GENERAL PAYMENT TERMS

This Payment Policy governs all payments made to Altun Novruzov (C.F.

NVRLTN84E04Z253O) for professional consulting, strategic marketing, business

development, project management, creative, and event-related services provided

through https://altunnovruzov.com.

By purchasing, booking, or engaging any services through our website, you agree to this

Payment Policy in full, in addition to our Terms and Conditions, Privacy Policy, and

Cancellation & Refund Policy.

2. ACCEPTED PAYMENT METHODS

We currently accept payments through the following providers:

• Stripe

• Visa

• Mastercard

• PayPal

• American Express

• Bank Transfer (where applicable and approved)

All transactions are processed securely through authorized third-party payment processors.

3. CURRENCY

All payments are charged and processed exclusively in:

Euro (EUR €)

Customers are responsible for any:

• currency conversion fees

• international banking fees

• card issuer fees

• transfer commissions

4. PRICING

• All service prices are listed in Euros unless otherwise stated.

• VAT, taxes, or additional statutory charges may be applied where legally required.

• We reserve the right to modify pricing at any time without prior notice.

• Pricing errors may be corrected even after payment has been requested or received.

5. DEPOSITS & ADVANCE PAYMENTS

For selected services, including but not limited to:

• strategic consulting

• project retainers

• event planning

• custom business development services

• creative production

an advance deposit may be required to secure booking.

Deposit terms:

• Deposits are generally non-refundable.

• Work may not begin until payment is confirmed.

• Failure to complete payment may result in cancellation of services.

6. INVOICING

Where applicable:

• Official invoices may be issued in compliance with Italian tax regulations.

• Clients are responsible for providing accurate billing details.

• Incorrect invoicing information may delay service activation.

7. PAYMENT AUTHORIZATION

By submitting payment, you:

• confirm authorization to use the selected payment method

• agree to pay all applicable fees

• confirm billing information is accurate and current

• authorize recurring charges where retainer/subscription agreements apply

8. FAILED OR DECLINED PAYMENTS

We reserve the right to:

• suspend services

• delay project delivery

• cancel bookings

• refuse future service

in cases of:

• declined cards

• failed bank transfers

• chargebacks

• suspected fraud

• incomplete payments

9. CHARGEBACKS & PAYMENT DISPUTES

Customers agree to contact us directly before initiating any payment dispute or chargeback.

Fraudulent or unjustified chargebacks may result in:

• legal enforcement

• debt recovery procedures

• service bans

• additional administrative costs

10. REFUNDS

Refunds are governed exclusively by our official Cancellation & Refund Policy:

https://altunnovruzov.com/cancellation

Payment processing fees charged by third parties may be excluded from approved refunds.

11. SUBSCRIPTIONS / RETAINERS (IF APPLICABLE)

For ongoing advisory or retainer services:

• payments may be billed monthly or by contract schedule

• missed payments may pause services immediately

• long-term contracts may include separate billing agreements

12. SECURITY

We use commercially reasonable measures and secure third-party processors to protect

payment transactions.

However, we do not directly store full payment card details unless explicitly required by

authorized processors.

13. INTERNATIONAL PAYMENTS

For international clients:

• transfer timing may vary

• intermediary bank fees may apply

• exchange rates are determined by your provider

• compliance checks may delay transfers

14. RIGHT TO REFUSE SERVICE

We reserve the right to reject or cancel any transaction where:

• fraud is suspected

• payment cannot be verified

• legal compliance concerns arise

• project requirements materially change

• abusive conduct occurs

15. POLICY UPDATES

We reserve the right to modify this Payment Policy at any time.

Updated versions will be posted on our website with the revised effective date.

16. CONTACT INFORMATION

For payment inquiries, billing support, or transaction issues, please contact:

Altun Novruzov (C.F. NVRLTN84E04Z253O)

4 Via Aldo Moro

Rho, Milano, Lombardia 20017

Italy

Email: [email protected]

Phone: (+39)3458321508

17. FINAL NOTE

By using our Services, you acknowledge that you have read, understood, and agreed to this

Payment Policy.

This policy should be read together with:

• Terms & Conditions

• Privacy Policy

• Cookie Policy

• Cancellation & Refund Policy