Refund Policy

SwiftLine Trade ("Company," "we," "us," or "our") is a U.S.-based media buying and digital advertising agency. We provide professional paid advertising campaign management services on behalf of our clients across the following platforms: Google Ads, Meta Ads (Facebook & Instagram), TikTok Ads, and Snapchat Ads.

Our services are professional, knowledge-based, and time-delivered. The scope of work may include, but is not limited to:

• Advertising account audits and business analysis
• Campaign strategy development and media planning
• Campaign setup, structure, and conversion tracking configuration
• Ongoing campaign optimization, bid management, and budget allocation
• Audience research, creative testing, and A/B experimentation
• Scaling of profitable campaigns and performance reporting

All service engagements are formalized through a written service agreement or proposal accepted by the client prior to any payment being processed.

SwiftLine Trade collects payment for services exclusively through Stripe, a PCI-DSS Level 1 certified third-party payment processor. Stripe supports the following payment methods:

• Credit & Debit Cards — Visa, Mastercard, American Express, and Discover
• ACH Direct Debit — for U.S.-based clients via bank account
• Invoice-based billing — all charges are tied to a specific invoice issued by SwiftLine Trade prior to service delivery

Payment terms are specified in the client's service agreement. Most engagements require payment prior to or at the start of each service period. SwiftLine Trade does not store, view, or handle raw card numbers — all payment data is encrypted and managed securely by Stripe. For details on how Stripe processes and protects your payment information, see stripe.com/privacy.

By submitting payment, the client acknowledges that they have read, understood, and agreed to this Refund Policy and the applicable service agreement.

Due to the nature of professional services, all fees paid to SwiftLine Trade are non-refundable once work has commenced. This includes, but is not limited to, the moment any of the following activities begin:

• Account or business onboarding
• Campaign audit or account review
• Strategy development or media planning
• Campaign setup or technical configuration
• Any active campaign management or optimization

Unlike physical product purchases, professional services involve the immediate investment of time, expertise, proprietary methodology, and operational resources that cannot be recovered once work has been performed. This policy reflects industry-standard practice for professional service firms.

Clients are encouraged to review their service agreement thoroughly and contact us with any questions prior to making payment.

Notwithstanding the general no-refund policy above, SwiftLine Trade will review and may approve refund requests in the following specific circumstances:

• Billing error: The client was charged an incorrect amount due to an administrative or technical error on our part
• Duplicate charge: The same invoice was charged more than once
• Service not initiated: Payment was collected but no work was started and no onboarding was completed
• SwiftLine Trade failure to deliver: We are unable to fulfill the agreed scope of work due to circumstances entirely within our control and unrelated to client cooperation or third-party platform changes

Refund eligibility must be raised within 14 calendar days of the charge in question. Requests submitted after this window will not be considered.

Approval of a refund request does not guarantee a full refund. A partial refund or service credit may be issued based on the proportion of work already completed at the time of the request.

The following are strictly non-refundable under all circumstances:

• Service fees for any work already performed, including partial completion of a deliverable
• Onboarding, strategy, consultation, or audit fees
• Campaign setup fees once configuration has begun
• Monthly or retainer management fees for periods already in progress
• Fees for completed performance reports or campaign reviews
• Any fees for services cancelled after work has commenced
• Ad spend paid directly to advertising platforms — these are subject to each platform's own policies
• Fees tied to dissatisfaction with campaign performance, results, or outcomes (see Section 06)

Our obligation is to apply professional expertise, industry best practices, and dedicated effort to managing and optimizing your campaigns. Underperformance relative to expectations is not a valid basis for a refund request.

Clients acknowledge this limitation by accepting their service agreement and submitting payment. If you have questions about realistic performance expectations for your business, we encourage you to discuss them during your onboarding call before any fees are paid.

To submit a formal refund request, follow the steps below:

• Send an email to info@swiftlinetrade.com with the subject: "Refund Request – [Your Business Name]"
• Include your full name, business name, invoice number, and the date the payment was processed
• Provide a clear written explanation of the reason for the refund request
• Attach any supporting documentation (e.g. bank statement, invoice copy, correspondence)
• Submit the request within 14 calendar days of the original charge

We will acknowledge your request within 2 business days and provide a written decision within 5 business days of receipt.

All refund decisions are made in writing. Verbal communications do not constitute approval of a refund.

When a refund is approved, it will be processed according to the following schedule:

SwiftLine Trade is not responsible for delays caused by the client's bank or payment processor after the refund has been initiated on our end.

Clients may cancel their service engagement at any time by providing written notice via email to info@swiftlinetrade.com. Cancellation is effective upon written confirmation from SwiftLine Trade.

The following terms apply upon cancellation:

• All fees for services already delivered up to the cancellation date are non-refundable
• Prepaid fees covering future, unstarted billing periods may be partially refunded on a prorated basis at SwiftLine Trade's discretion, based on work already completed
• Outstanding invoices for work already performed remain due and payable regardless of cancellation
• SwiftLine Trade will complete an orderly handoff of all campaign assets, access credentials, and a final performance summary within 5 business days of confirmed cancellation
• Cancellation of service does not constitute a waiver of any debt owed to SwiftLine Trade

SwiftLine Trade takes chargeback filings seriously. Before initiating any chargeback or payment dispute with your bank or card network, you are required to contact us directly and allow us the opportunity to resolve the matter through our formal refund request process (Section 07).

We are committed to resolving all legitimate billing concerns fairly and promptly. If you have a concern about a charge, please reach out to us first — we will respond within 2 business days.

This Refund Policy, and any disputes arising under it, shall be governed by and construed in accordance with the laws of the State of Missouri, United States of America, without regard to its conflict of law provisions.

Any legal action or proceeding arising under this policy shall be brought exclusively in the state or federal courts located in Boone County, Missouri, and the parties consent to the personal jurisdiction and venue of such courts.

This policy is subject to all applicable U.S. federal and state consumer protection laws and regulations.

SwiftLine Trade reserves the right to modify this Refund Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. We may also notify active clients via email for significant changes.

Continued use of our services following the effective date of any update constitutes your acceptance of the revised policy. We recommend reviewing this page periodically.

For refund requests, billing questions, or any inquiries related to this policy, please contact us using the details below. We are committed to responding within 2 business days.