Payment Policy

1. Introduction

This Payment Policy outlines how Vertex, operated by CODEGENIX LTD. (Company Number: 16808123), handles payments, credit purchases, and financial transactions on our platform. By using our services and making purchases, you agree to this Payment Policy.

CODEGENIX LTD. is registered at Academy House 11 Dunraven Place, Bridgend, Mid Glamorgan, United Kingdom, CF31 1JF. For payment-related inquiries, contact us at support@vertex.boutique.

2. Credit System

2.1 Credit Value and Conversion

Vertex operates on a credit-based payment system with the following conversion rate:

• 10 credits = $1.00 USD
• Credits are purchased in advance and stored in your digital wallet
• Credits never expire once purchased
• Credits are non-transferable between user accounts

2.2 Credit Usage

Credits are deducted from your wallet when you:

• Purchase consulting services from AI specialists
• Access premium platform features

The credit cost is always displayed before you confirm any purchase. Credits are only debited upon successful service completion or confirmed delivery.

3. Payment Methods

3.1 Accepted Cards

We accept the following payment methods for credit purchases:

• Visa (credit and debit cards)
• Mastercard (credit and debit cards)

3.2 Payment Processing

All payments are processed securely through PCI-DSS Level 1 certified payment processors. We do not store your full card details on our servers.

4. No Subscriptions - One-Time Purchases Only

Vertex operates on a one-time purchase model only. This means:

• No recurring charges or automatic renewals
• No subscription fees or membership dues
• Each credit purchase is a separate, individual transaction
• You have full control over when and how much you spend
• No hidden fees or automatic billing cycles

Each time you wish to add credits to your wallet, you must explicitly initiate and confirm a new purchase. We will never charge your payment method without your express authorization.

5. Refund Policy Summary

Our refund policy is designed to be fair to both users and service providers:

• Unused credits: May be refunded within 30 days of purchase
• Used credits: Credits spent on completed services are generally non-refundable
• Service disputes: Contact us within 7 days of service completion for review

For complete details on our refund terms and eligibility criteria, please see our full Refund Policy.

6. Payment Security

6.1 Data Protection

We implement robust security measures to protect your payment information:

• All transactions are encrypted using TLS 1.3 (Transport Layer Security)
• We do not store complete card numbers or CVV codes on our servers
• Payment data is handled exclusively by PCI-DSS Level 1 certified processors
• 3D Secure (3DS) authentication is supported for enhanced cardholder verification

6.2 Fraud Prevention

We employ industry-standard fraud detection systems:

• Real-time transaction monitoring for suspicious activity
• Machine learning-based fraud detection
• Address Verification System (AVS) checks
• Velocity checks to detect unusual purchasing patterns

Suspicious transactions may be temporarily held for verification to protect both you and our platform.

7. Dispute Resolution

7.1 Internal Resolution

If you have a payment-related dispute:

• Contact our support team at support@vertex.boutique as your first step
• Provide your transaction reference number and details of the issue
• We aim to respond to all payment inquiries within 2 business days
• Most disputes are resolved within 14 business days

7.2 Chargebacks

We encourage you to contact us before initiating a chargeback with your bank. Many issues can be resolved faster through direct communication. If you do initiate a chargeback:

• Your account may be suspended pending resolution
• We will provide evidence to your bank for legitimate transactions
• Fraudulent chargebacks may result in permanent account termination

8. Currency and Pricing

8.1 Display Currency

Prices are displayed in USD by default. Your bank may apply currency conversion fees for cross-currency transactions.

8.2 Price Changes

We reserve the right to modify credit package prices. Any price changes will be communicated in advance and will not affect credits you have already purchased.

9. Policy Updates

We may update this Payment Policy from time to time to reflect changes in our practices or applicable regulations. Material changes will be communicated via email or platform notification at least 30 days before taking effect. Your continued use of Vertex after changes constitutes acceptance of the updated policy.