Payment Terms
and Conditions

Updated: April 2026

Introduction

At Black Anchor Design, we strive to make the purchasing process as seamless as possible. To facilitate this, you can pay your invoices through Clover or PayPal.

Financing Options

Black Anchor Design does not offer financing or membership-style websites involving long-term monthly payments. However, we have partnered with PayPal's "Buy Now, Pay Later"  as an alternative option for our clients.

Project Payment Structures

When retaining Black Anchor Design's services, clients agree to adhere to the due dates outlined in the contracts and payment breakdowns as follows:

• 60% Down Payment: Due upon signing of the contract.
• 25% Mid-Project: Due at the midpoint of the project timeline.
• 15% End Project: Due upon completion.

Rush Fee: Rush projects require us to immediately reprioritize our schedule, dedicate focused resources, and operate outside standard hours to deliver the same high-fidelity output on a compressed timeline. A 50% rush fee applies to the total project cost, and full upfront payment is required — no exceptions.

Discount Policy: All discounts are honored with full upfront payment only — no exceptions. Discounts cannot be combined with any other offer.

Holding Deposit: Before a single keystroke is made, a non-refundable 10% holding deposit is required to secure your position on the Black Anchor deployment schedule. This deposit guarantees our team's availability for your engagement. Upon the project start date, it is applied directly toward your 60% down payment.

Termination of Agreements

Black Anchor Design reserves the right to terminate all agreements immediately if:

• The client fails to pay any invoices and fees as stipulated.

• The client fails to cooperate with Black Anchor Design or hinders our ability to perform the services outlined in the agreement.

Payment Methods

1:1 Consultations: Web consultations are not taxable. A flat fee of $220 per hour applies when scheduling an appointment.

Online Invoices: Customers can view and pay invoices online 24/7.

Accepted Payment Methods: We accept all major credit cards, but do not accept debit cards, personal, or commercial checks.

Taxation: An 8.25% state and local tax is applied to all digital goods and services, excluding consultations.

Credit Card Surcharge:  A 4% surcharge fee is added to the final bill for credit card transactions.

Recurring Payments: You may set up automatic recurring payments online to draft your monthly account balance from your credit card. Recurring yearly payments are required for hosting services.

Late Fees

Payments are due on the scheduled date. A $150 late fee applies to each occurrence. If payments are more than three times late, we reserve the right to consider the project abandoned and terminated in accordance with the contract terms.

Refund Policy

Black Anchor Design is committed to ensuring customer satisfaction by adhering to our standards of practice. We reserve the right to limit or decline services outside the scope of the signed contract. While we can adjust, modify, or add service items to the agreement, we retain the right to decline or proceed with proposals for "add-ons." We encourage clients to retain their working contract throughout the project. All contractual agreements between Black Anchor Design and the client are binding and available for review upon request.

Additional Services

We offer repair services through additional clause services (operational agreements).

Disclaimer: Black Anchor Design reserves the right to decline or terminate any engagement that does not align with our standards of professionalism and mutual respect. This isn't arrogance — it's the standard that enables us to deliver exceptional work to clients who deserve it.