Empyrean Creations

1. Zero-Tolerance Fraud Policy

Empyrean Creations maintains a strict zero-tolerance policy toward fraud, payment disputes made in bad faith, and unauthorized transaction claims.

By purchasing our website development, design, hosting, maintenance, consulting, or digital services, you agree that:

• All billing information provided is accurate and truthful.
• You are the authorized user of the payment method submitted.
• You have full legal authority to enter into a binding agreement.
• You understand the services being purchased prior to payment.

Any attempt to misrepresent identity, submit false billing details, use an unauthorized payment method, or initiate a fraudulent dispute will be treated as intentional fraud.

Empyrean Creations reserves the right to:

• Suspend services immediately.
• Refuse future service.
• Report fraudulent activity to law enforcement.
• Submit documentation to payment processors and issuing banks.
• Pursue civil recovery of losses and fees.

2. Accepted Payment Methods

Empyrean Creations accepts payments through:

• Stripe
• QuickBooks
• Credit and debit cards
• ACH / bank transfers
• Business and personal checks (cheques)

All payments are processed through secure third-party payment processors. We do not store full card numbers on our servers.

3. Payment Authorization & Proof of Consent

By submitting payment via Stripe, QuickBooks, credit card, ACH, or check, you expressly authorize Empyrean Creations to charge the agreed amount for services outlined in:

• Signed proposals
• Service agreements
• Invoices
• Email confirmations
• Approved project scopes
• Online checkout pages

The following constitute binding proof of authorization:

• Signed contracts (digital or physical)
• Invoice acceptance
• Email approval of scope and pricing
• IP address logs
• Timestamped payment confirmations
• Project onboarding forms
• Communication records
• Delivered files or website access credentials

4. Digital Services & Non-Refundable Work

Empyrean Creations provides custom digital services. Due to the nature of website development and digital asset creation:

• Deposits are non-refundable.
• Completed milestones are non-refundable.
• Custom development work is non-refundable.
• Consultation and strategy sessions are non-refundable.
• Delivered digital files, source code, design files, or deployed websites are non-refundable.

Work begins immediately upon payment unless otherwise agreed in writing.

5. Chargeback & Dispute Policy

You agree to contact Empyrean Creations directly at sales@empyreancreations.com before filing any dispute with your bank or payment processor.

Filing a chargeback without first attempting resolution constitutes a breach of these Terms.

If a chargeback is filed:

• Services will be suspended immediately.
• Website access, hosting, or deliverables may be paused until the dispute is resolved.
• All documentation will be submitted to Stripe, QuickBooks, and the issuing bank.
• We will provide proof of authorization, delivery, communication history, and signed agreements.

You acknowledge that chargebacks after services are rendered may be considered fraudulent disputes.

6. Returned Checks & Failed Payments

For payments made via check:

• Returned checks are subject to a $35 returned payment fee.
• Services will be paused until full payment is received.
• Repeated failed payments may result in termination of service.

7. Fraudulent “Unauthorized Transaction” Claims

Empyrean Creations maintains detailed records including:

• IP address tracking
• Device/browser metadata (where available)
• Payment confirmation records
• Email communications
• Signed agreements
• Project milestone approvals
• File delivery confirmations

False claims of unauthorized transactions after services have been delivered may be pursued as fraud.

8. Recovery of Chargeback Fees & Damages

If a chargeback is filed and later ruled in favor of Empyrean Creations, or if fraud is determined, the client agrees to reimburse:

• Chargeback fees
• Administrative costs
• Time spent responding to the dispute
• Legal fees (if applicable)
• Collection costs

Unpaid balances may be sent to collections or pursued through legal action.

9. Legal Remedies

Empyrean Creations reserves the right to pursue all available legal remedies in cases of:

• Payment fraud
• Intentional chargeback abuse
• Misrepresentation of identity
• Breach of contract

Legal proceedings may be initiated in the jurisdiction where Empyrean Creations operates.