Billing Policy

1. Billing Overview

DistressNow provides a marketplace platform that may include optional paid features and services. This Billing Policy outlines how we handle payments, billing practices, and associated terms.

2. Payment Methods

2.1 Accepted Payment Methods

DistressNow accepts the following payment methods:

• Debit cards (Visa, Mastercard, Verve)
• Credit cards (Visa, Mastercard)
• Bank transfers
• Mobile money (where available)
• Digital wallets

2.2 Third-Party Payment Processors

DistressNow does not directly process payments. All payment transactions are handled by trusted third-party payment processors including Paystack, Flutterwave, and similar PCI-DSS compliant providers. By making a payment, you agree to their terms and privacy policies.

3. Fees & Charges

3.1 Service Fees

DistressNow may charge service fees for premium features, verified seller status, featured listings, and promotional tools. All applicable fees will be clearly disclosed before purchase.

3.2 Transaction Costs

Payment processors may charge transaction fees, currency conversion fees, or other charges. These fees will be displayed at checkout and are separate from DistressNow service fees.

3.3 Price Changes

DistressNow reserves the right to modify fees and pricing. We will notify users of significant changes at least 30 days in advance. Continued use of premium features after notification constitutes acceptance of new pricing.

4. Payment Processing & Security

4.1 Secure Transactions

All payment transactions are processed through encrypted channels using industry-standard SSL/TLS protocols. We do not store complete payment card information on our servers.

4.2 Billing Information

You are responsible for providing accurate billing information. Incorrect information may result in failed transactions or incorrect billing.

4.3 Payment Verification

DistressNow may require additional verification for suspicious transactions, including SMS verification, security questions, or identity documentation.

5. Invoices & Receipts

5.1 Digital Invoices

DistressNow provides digital invoices and receipts for all transactions. These are automatically sent to your registered email address.

5.2 Invoice Records

You can access past invoices and billing history through your account dashboard at any time.

6. Refunds & Credits

6.1 Service Fees

Non-Refundable: Service fees paid for platform features (verified seller status, featured listings, promotional tools) are generally non-refundable unless the service was not provided due to our error.

6.2 Transaction Refunds

Refunds for transaction disputes must be requested within 30 days. Refunds are processed on a case-by-case basis and may take 5-10 business days to appear in your account.

6.3 Chargeback Disputes

If you initiate a chargeback with your bank, DistressNow reserves the right to:

• Suspend or terminate your account
• Prevent future transactions
• Pursue legal action for fraudulent chargebacks

6.4 Credits & Vouchers

Credits and vouchers issued by DistressNow have no cash value and cannot be refunded. They may only be used for eligible services within their validity period.

7. Disputed Charges

7.1 Reporting Disputes

If you notice an unauthorized or incorrect charge, contact our support team immediately:

• Email: billing@distressnow.com
• Support: support@distressnow.com
• Phone: 0904 210 7990

7.2 Investigation Process

DistressNow will investigate disputed charges and provide a response within 10 business days. Refunds (if approved) will be processed within 15-30 business days.

8. Subscriptions & Recurring Billing

8.1 Subscription Services

Some DistressNow services may be offered on a subscription basis with automatic recurring charges. You will be notified of subscription terms before enrolling.

8.2 Auto-Renewal

Subscription services automatically renew on a monthly or annual basis unless canceled. You are responsible for canceling before the renewal date to avoid charges.

8.3 Cancellation

You can cancel subscriptions anytime through your account settings. Cancellation takes effect at the end of the current billing cycle. No refunds are provided for partial periods.

9. Failed Payments

9.1 Payment Failure

If a payment fails, DistressNow may:

• Attempt to charge your payment method again
• Notify you of the failure via email
• Suspend services until payment is received

9.2 Retry Policy

DistressNow may retry failed payments up to 3 times over 7 days. After failed retries, your account may be suspended.

10. Tax & Compliance

10.1 Applicable Taxes

Prices displayed on DistressNow may be exclusive of applicable taxes. VAT, GST, or other taxes will be calculated and added at checkout where applicable.

10.2 Invoice Compliance

All invoices issued by DistressNow comply with Nigerian tax regulations and include necessary identification information.

11. Contact Information

For billing questions or support, please contact: