Refund & Billing Policy

1. What you are paying for

Our invoices cover professional services only: strategy, account management, creative production, development and reporting hours as set out in your scope of work. Advertising media is purchased by you, on your own payment method, inside accounts you own. We never mark up media.

2. Billing cycle

• Monthly fees are invoiced on the first business day of the service month, in advance.
• Payment terms are net 15 from the invoice date.
• Accepted methods: ACH bank transfer or business check. We do not accept cash or cryptocurrency.
• One-off projects such as the two-week audit are invoiced 50% at kickoff and 50% on delivery.

3. Late payment

Balances more than 15 days past due accrue interest at 1.5% per month or the maximum rate permitted by California law, whichever is lower. If an invoice reaches 30 days past due we may pause work after written notice; campaigns already live in your own accounts are unaffected because they run on your payment method.

4. Refunds

• Monthly retainers. Because fees are billed in advance for a service month, a cancellation mid-month does not generate an automatic refund; we complete the paid month and hand over. If you cancel before any work has started in a paid month, we refund that month in full.
• Two-week audit. If you are not satisfied with the audit deliverable, tell us within 14 days of delivery and we will either revise it once at no cost or refund 50% of the fee, at your choice.
• Work not delivered. Any service invoiced but not delivered is refunded in full.
• Media spend. Refunds of advertising spend are governed by the platform’s own policies, since the money went from you to them directly.

Approved refunds are issued by the original payment method within 10 business days.

5. Cancellation

After the three-month initial term, either party may cancel with 30 days’ written notice to legal@rayadvertising.a2hosted.com. During the notice period we continue to manage campaigns normally and prepare a handover pack: account documentation, creative source files, tracking configuration notes and outstanding recommendations.

6. Scope changes

Additional work outside the signed scope is quoted in writing and only begins after you approve it. We do not add charges retroactively.

7. Disputes

If you believe an invoice is incorrect, contact us within 15 days of the invoice date. We will hold collection on the disputed portion while we review it and respond within five business days.

8. Contact

Billing questions: legal@rayadvertising.a2hosted.com or 510-551-0634, Monday to Friday, 9:00 AM to 6:00 PM Pacific.