Payment Terms

These Payment Terms apply to all project engagements, retainer agreements, and discovery sessions with Paddock20. By executing a Statement of Work or submitting a deposit, you agree to these terms in full.

1. Project Deposit

Projects under $1,500 are paid in full at the time of engagement. For projects of $1,500 to $4,999, a deposit of 50% of the total project fee is due before work begins. For projects of $5,000 or more, a deposit of 15–25% of the total project fee is due before work begins, depending on project size. No discovery, design, or development work commences until the deposit is received and cleared. The deposit is credited in full against the final invoice, which is due upon delivery of the final deliverable, prior to transfer of any code, credentials, or production assets.

For projects exceeding $50,000, a milestone-based payment schedule may be negotiated and documented in the Statement of Work. All milestone payments must be received on time for work to continue on schedule.

2. Fit Call and Project Deposits

Paddock20 charges $249 for the Fit Call, a 60 to 90 minute working session that is the entry point for all engagements. Projects under $1,500 are paid in full at the time of engagement. For projects of $1,500 to $4,999, a 50% deposit is due before work begins. For projects of $5,000 or more, a deposit of 15–25% (depending on project size) is due before work begins. Deposits are credited in full against the final invoice. The $249 Fit Call counts toward the project fee when the client signs the written scope within 30 days of receiving it.

3. Accepted Payment Methods

All payments are processed through Stripe. We accept:

• Major credit and debit cards (Visa, Mastercard, Amex, Discover)
• ACH bank transfers (US accounts)
• Wire transfers (for amounts over $10,000 — contact us for wire instructions)

Invoices are issued via Stripe and include a secure payment link. Card payments may incur a processing fee passed through at cost (typically 2.9% + $0.30). ACH and wire transfers carry no additional fee.

4. Invoice Terms

All invoices are due within 7 days of the invoice date unless otherwise specified in the Statement of Work. Invoices are sent electronically to the billing email on file.

5. Late Payments

If an invoice is not paid within 7 days of its due date:

• A late fee of 1.5% per month (18% per annum) is applied to the outstanding balance, compounded monthly.
• All active work pauses immediately until the overdue balance — including accrued late fees — is paid in full.
• Paddock20 reserves the right to withhold delivery of code, designs, or credentials until all outstanding balances are cleared.

We understand that payment delays happen. We ask that you communicate proactively. Work will resume promptly upon cleared payment.

6. Project Cancellation & Kill Fee

Either party may cancel an active project engagement with written notice. The following kill fee schedule applies:

• Cancellation before work begins: Deposit is refunded minus a $500 administrative fee.
• Cancellation after work has begun: The deposit is non-refundable. In addition, a kill fee equal to 25% of the remaining unbilled balance is due within 7 days of cancellation notice.
• Cancellation at 75%+ completion: Full remaining balance is due. Partial deliverables completed to date will be transferred upon receipt of full payment.

The kill fee compensates for reserved capacity, work performed, and opportunity cost of holding that project window.

7. Make It Right: 30-Day Fix Guarantee

Every build and one-time service engagement includes a 30-day fix period from the date of delivery. If something we shipped is not functioning as agreed in the Statement of Work, we fix it at no additional charge. This covers bugs, broken functionality, and material deviations from the delivered scope.

The 30-day fix guarantee does not cover new features, scope changes, or issues caused by third-party services, client-side modifications, or hosting configuration outside of Paddock20's control. New feature requests following delivery are treated as new scope and quoted accordingly.

8. Monthly Plan Cancellation

Monthly retainer and subscription plans are month-to-month with no long-term commitment. You may cancel at any time by providing written notice to [email protected]. Cancellation takes effect at the end of the month you have paid for. Billing stops after that month, and no further charges follow.

If you cancel within 30 days of your plan's start date, you may instead end the plan at once, and the unused portion of your most recent payment is refunded on a prorated basis, calculated by the number of days remaining in that billing period. Cancellations after the 30-day window are not eligible for a refund of amounts already paid, but no further charges will be made. All active work and deliverables completed through the cancellation date remain yours to keep.

9. Refunds

Deposits are non-refundable once work has commenced. If Paddock20 is unable to fulfill a project engagement for reasons within our control, a prorated refund of the deposit will be issued based on work completed to date. Discovery fees are non-refundable.

10. Currency

All fees are denominated in US Dollars (USD). International clients are responsible for any currency conversion fees charged by their financial institution.

11. Disputes

If you believe an invoice contains an error, notify us in writing within 7 days of the invoice date. We will investigate and respond within 5 business days. Undisputed portions of any invoice remain due on the original due date.

12. Contact for Billing

• Email: [email protected]