Billing Policies for Products by Laura Escude / Electronic Creatives 

By purchasing products or services from Laura Escudé / Electronic Creatives, you have accepted and agreed to our billing policy which applies to all customers and clients. Please also refer to the specific billing and return policies attached to the particular program or product your purchased. Please direct any questions to: support@electroniccreatives.com

General Policies

All customers are responsible for keeping any all credit/debit card receipts and details and contact information current. Please email support@electroniccreatives.com and inform us of any changes right away.

If you need to update your credit card information, please use this form.

All product and contracted fees are automatically charged to the credit/debit card we have on file. If we have more than one credit/debit card on file, we will attempt to charge all cards on file. If you would like a card removed from your file, you need to contact us at support@electroniccreatives.com  no more than 72 hours before your payment is due.

Payment Types

Electronic Creatives accepts Debit/Credit Cards and Paypal.

Defaults and or Late Payments:

Credit/Debit Card Billing: As outlined in your contract, all credit/debit cards are automatically charged on your specific billing cycle date.

If the credit/debit card is declined, we will continue to attempt to charge the card on file every 3 days for 30 days (up to 10 times).

If your account becomes more than 7 days past due, you will lose access to any and all programs and services until your balance is paid in full.

Delinquent Accounts: Please know: If your account falls 60 days past due, with no communication or arrangements from you, your account will be sent to a third party collections agency.

Fees

Returned Item Fee: There is a $50 insufficient funds fee for returned checks in addition to the amount still due.

Late Fee: Invoices which remain unpaid after 30-days may be assessed a late fee of $50.00 per month.

Chargebacks: If a customer initiates a chargeback, we will assess a $200.00 processing fee for each individual chargeback.

Collections Fee: If an account is submitted to a third-party collections agency, the client will be responsible for the full amount of the collections fees, in addition to any other fees previously assessed on the account, including the original balance, returned item fees and/or late fees.

Cancellations

You are welcome to cancel your account, however, please know a 30 day notice of cancellation of your account is required. This cancellation does not dismiss outstanding invoices or any contracted commitments. At the time of cancellation, any outstanding balance must be settled. All cancelled accounts with an outstanding balance may be automatically turned over to a third-party collection service. In order to cancel your membership please email support@electroniccreatives.com

Billing Disputes

You agree to provide 30 days to attempt resolution of any billing dispute before disputing with any third-party credit/debit card company or bank. Should Electronic Creatives receive a chargeback from a third-party credit/debit card company or bank on the customer’s behalf before we have been given a chance to resolve the issue, we have the right to collect on the rendered services plus any fees associated with those disputes.

Regardless of the outcome of the chargeback, we retain the right to collect on any rendered services or fees that are due. We will submit any disputed amounts to a collection agency if not resolved in-house

Once a chargeback is initiated, we will immediately suspend the account until the matter is resolved

Refunds

Please refer to the refund policy for the specific program you purchased. You are responsible for the total amount of your purchase plus any finance fees if applicable, whether you pay in full or choose a payment plan.

We understand there are special circumstances that may prevent you from adhering to your original purchase agreement or payment plan. In that case, you must contact Electronic Creatives in writing, where you may then be approved to reevaluate your payment plan. These requests must be made within 30 days of submitting payment.

*By purchasing a product or service from Laura Escude / Electronic Creatives, you are indicating your agreement to these terms laid out in this billing policy.

Payment Plan Policy

We reserve the right to remove access to all groups, programs and materials should any automatic monthly payments decline.

All payments must be paid on time and the total amount must be paid in full in order for the account to be considered current. By purchasing with a monthly payment plan, you are agreeing to give us 30 days notice to pay the last month due in full.