Billing Terms & Overage Policy

1. Subscription Plans

Choose monthly or annual billing. Annual plans receive a discount as published.

2. Billing Cycle

• All charges processed via Stripe on behalf of YourDigitalExpert Inc.
• Subscription fees billed automatically at the start of each billing cycle
• Subscriptions auto-renew unless cancelled before the next cycle
• You authorize recurring charges for your selected plan plus taxes and overages

3. Overage Policy

3.1 When Overages Apply

If your usage exceeds plan quotas (storage, bandwidth, team seats), overage charges begin immediately and are billed in the next invoice.

3.2 Overage Rates

• Storage overage: Published rate per GB/month
• Bandwidth overage: Published rate per GB transferred
• Additional team seats: Published rate per seat/month

Current rates displayed in your account dashboard. Usage rounded to nearest 0.1 GB.

3.3 Notifications

You receive alerts when approaching (80%, 100%) and exceeding quotas. Configure notification thresholds in account settings.

4. Plan Changes

4.1 Upgrades

Upgrading mid-cycle triggers a prorated charge for the remainder of the cycle. New features activate immediately.

4.2 Downgrades

Downgrades take effect at the next billing cycle. If current usage exceeds new plan quotas, you must reduce usage or upgrade back.

4.3 Proration Example

5. Payment Methods

• Valid credit/debit card required via Stripe
• We store tokenized payment credentials only
• Update payment method anytime in dashboard
• Enterprise customers may request custom invoicing

6. Failed Payments

6.1 Retry Schedule

Failed payments trigger automatic retries:

• Day 1: Initial failure notification
• Day 3: First retry
• Day 5: Second retry with warning
• Day 7: Final retry before suspension

6.2 Account Status

• Grace Period: Limited access during retry window
• Suspension: Read-only access after final failure
• Termination: Data deletion after 30 days suspended

7. Taxes

• All fees exclusive of taxes unless stated
• We collect and remit taxes where required (Canadian GST/HST, VAT)
• You're responsible for any withholding taxes
• Tax-exempt? Provide valid exemption certificate

8. Invoicing

Invoices generated at each billing cycle include:

• Base plan charges
• Prorated adjustments
• Overage charges from previous period
• Applicable taxes
• Credits applied

Access invoices anytime in your dashboard. PDF receipts sent automatically via email.

9. Credits and Adjustments

• Promotional credits expire after 12 months
• Credits are non-transferable and non-refundable
• Applied automatically to future invoices
• Billing errors adjusted within 60 days of incident

10. Disputes

To dispute charges:

1. Submit within 30 days of invoice date
2. Email legal@yourdigitalexpert.com with invoice number and description
3. Continue paying undisputed portions
4. We investigate and respond within 14 days

Initiating chargebacks without contacting us may result in account suspension.

11. Price Changes

We may adjust pricing with 30 days notice to existing subscribers. Continue using the service after notice constitutes acceptance. Cancel anytime to avoid new pricing.

12. Contact