Terms & Conditions

1. Services

Karim Advisory (17951574 Canada Limited) provides professional consulting services including web development, content strategy, branding, and AI integration, delivered remotely via phone, video call, email, or digital documents.

All Services are advisory and/or deliverable-based in nature. Unless expressly agreed in writing, we do not guarantee specific business outcomes, search rankings, traffic, revenue, or conversion results. The specific scope and deliverables for each engagement are defined in a signed Client Services Agreement.

2. Payment Terms

• Payment in full is due only upon completion and delivery of the Services. We do not require a deposit or upfront payment.
• "Completion" means the Services have been delivered per the agreed scope and, where applicable, the revision process in Section 4 has concluded.
• Payment is processed securely through PayPal unless another method is agreed in writing, and is due within 30 days of the completion invoice being issued.
• Late payments may accrue interest at 2% per month (24% per annum) on the overdue balance, or the maximum permitted by law, whichever is lower.
• By paying an invoice, the Client confirms they are the authorized holder of the payment method used.

3. Refund Policy / Void Engagement

• Because payment is due only upon completion, no fee is charged or owed for an engagement that doesn't proceed.
• If, based on the initial consultation, we determine we'll likely be unable to satisfy the Client's requirements, we may declare the engagement void. In that case, the consultation is free, no Services are rendered, and no fee applies.
• Where a partial or milestone payment was made by written agreement and we're unable to complete the Services for reasons within our control, the Client receives a pro-rata refund for undelivered work.
• No refunds apply to Services completed and delivered per the agreed scope, or to consultations where we reasonably agreed to proceed and later completed the engagement.
• Refund requests must be submitted in writing within 7 days of the applicable notice. Approved refunds are returned to the original payment method within 10 business days.

4. Revisions & Scope

Each deliverable includes unlimited revisions until the Client is satisfied that it meets the scope defined in the Statement of Work. Satisfaction is assessed against that agreed scope — requests for new pages, features, or functionality not in the original scope are treated as scope changes, quoted separately, and require written approval before work begins. We may decline to continue revisions where feedback conflicts with prior direction, isn't provided within a reasonable time, or doesn't identify a specific, actionable gap against the agreed scope, in which case the matter proceeds under Section 5.

5. Dispute Resolution

Before opening a dispute with PayPal or any payment processor, or pursuing any external remedy, we ask that you follow this process:

Initiating a chargeback or third-party payment dispute before completing Step 1 constitutes a breach of the applicable Client Services Agreement and may be contested using the signed agreement, invoices, and delivery records as evidence.

6. Intellectual Property

• Upon receipt of full payment, ownership of final deliverables created specifically for the Client transfers to the Client.
• We retain ownership of pre-existing tools, frameworks, code libraries, and methodologies used to deliver the Services, and grant the Client a non-exclusive license to use them as embedded in the final deliverable.
• We may reference completed work in our portfolio and marketing unless the Client requests confidentiality in writing.

7. Governing Law & Termination

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Either party may terminate an active engagement with 14 days' written notice; the Refund Policy in Section 3 applies to any prepaid, undelivered work.