Refund, Dispute & Revenue Protection Policy

1.1 — No Refund Policy

Unless otherwise required by applicable law or expressly agreed to in writing by Castiglia AI, all sales, subscriptions, implementation fees, setup fees, consulting fees, custom development fees, AI services, and recurring service charges are final and non-refundable.

Due to the immediate allocation of resources, technology, infrastructure, labor, and intellectual property associated with service delivery, customers acknowledge that refunds are generally unavailable once services have been purchased or access has been granted.

1.2 — Customer Acknowledgment

By completing a purchase, the customer acknowledges and agrees that:

• Services may begin immediately upon purchase
• Resources may be allocated immediately upon purchase
• Access to software, AI systems, automations, consulting, or digital services constitutes delivery of value
• Refund requests based upon dissatisfaction, non-use, misunderstanding, change of business circumstances, or cancellation after purchase do not entitle the customer to a refund

2.1 — Responsibility for Charges

Customers are responsible for all fees, charges, usage costs, subscription fees, implementation fees, and other charges associated with their account. Customers are responsible for maintaining accurate billing information and ensuring sufficient funds are available to satisfy payment obligations.

2.2 — Failed Payments

Castiglia AI reserves the right to suspend, restrict, or terminate services immediately if payment cannot be successfully collected. Outstanding balances remain due and payable regardless of service suspension.

3.1 — Required Notice Prior to Dispute

Customers agree to first contact Castiglia AI regarding any billing concern and provide a reasonable opportunity for resolution before initiating any chargeback, payment reversal, bank dispute, credit card dispute, processor claim, or similar payment challenge.

3.2 — Material Breach

Initiating a chargeback, payment reversal, or dispute for services that were delivered, rendered, performed, made available, or otherwise provided by Castiglia AI shall constitute a material breach of this agreement.

Upon such breach, Castiglia AI may immediately:

• Suspend services
• Disable accounts
• Revoke software access
• Cancel subscriptions
• Withhold future deliverables
• Refuse future service

without prior notice.

3.3 — Recovery of Costs

If Castiglia AI successfully demonstrates that disputed services were delivered, provided, performed, or made available, the customer agrees to reimburse Castiglia AI for all reasonable costs incurred in defending, responding to, or recovering amounts associated with the dispute, including:

• Chargeback fees
• Payment processor fees
• Bank fees
• Collection fees
• Administrative expenses
• Investigation costs
• Legal fees and attorney's fees where permitted by law
• Court costs where permitted by law

3.4 — Administrative Dispute Fee

Because chargebacks and payment disputes create significant operational burdens, customers agree that Castiglia AI may assess an administrative dispute fee of up to $250 per disputed transaction, in addition to any actual costs incurred, where permitted by applicable law.

3.5 — Fraudulent or Bad-Faith Chargebacks

Customers acknowledge that initiating a chargeback or dispute after receiving services, deliverables, software access, consulting, implementation services, AI services, custom work, or other contracted value may constitute a fraudulent or bad-faith chargeback if material facts are knowingly misrepresented. Castiglia AI reserves all rights and remedies available under applicable law to recover damages resulting from fraudulent or bad-faith disputes.

4.1 — Right to Collection

Customers agree that Castiglia AI may pursue collection of any unpaid balances through lawful collection methods, including:

• Internal collections
• Third-party collection agencies
• Legal proceedings
• Arbitration, where applicable

4.2 — Continuing Liability

Termination, suspension, cancellation, expiration, or non-use of services does not relieve the customer of responsibility for previously incurred charges.