1. Introduction

This Payment Policy outlines the terms and conditions governing all payments made through GBELONDEZ Travel & Logistics ("GTLo") services. By making a payment, you agree to be bound by this policy.

2. Accepted Payment Methods

GTLo accepts payments through the following methods:

• Credit Cards (Visa, Mastercard, American Express)
• Debit Cards
• Bank Transfers
• Mobile Money Transfers
• Digital Payment Platforms (Paystack, Flutterwave, Korapay)
• Other payment methods as made available

3. Payment Processing

When you submit a payment:

• Payment details are securely transmitted using industry-standard encryption (SSL/TLS)
• Your payment information is processed through secure third-party payment gateways
• GTLo does not store complete card details on our servers
• A confirmation email will be sent upon successful payment processing
• Payment processing may take 1-3 business days depending on your bank

4. Payment Confirmation

Upon successful payment, you will receive:

• An on-screen confirmation message
• A confirmation email with receipt details
• An invoice or receipt available in your account
• A unique transaction reference number

Please save your confirmation for your records. If you don't receive a confirmation within 30 minutes, contact our support team.

5. Pricing and Fees

All prices are displayed in the currency specified on our website. Pricing includes:

• Service charges as listed for each booking or service
• Processing fees (if applicable)
• Applicable taxes and duties
• Payment gateway fees (if applicable)

GTLo reserves the right to update pricing with 30 days' notice. Changes do not affect previously confirmed bookings.

6. Refund Policy

Refunds are subject to the following terms:

• Service Cancellation: Cancellations within 48 hours of booking are eligible for a 100% refund
• Late Cancellation: Cancellations within 24 hours may incur a 25% service fee
• No-show: Full service charge applies for no-shows
• Partial Services: Services partially completed are non-refundable
• Service Failure: GTLo's failure to deliver may result in a full or partial refund at GTLo's discretion

Refund requests must be submitted within 30 days of the transaction. Refunds are processed within 5-10 business days.

7. Duplicate or Erroneous Charges

If you believe you've been charged twice or for an incorrect amount:

• Contact our support team immediately with your transaction reference
• Provide evidence of the duplicate or erroneous charge
• GTLo will investigate within 5 business days
• If confirmed as an error, a full refund will be issued promptly

Contact: [email protected]

8. Failed Payments

If your payment fails:

• You will receive a notification with the reason for failure
• Your booking will not be confirmed until payment is successful
• You may retry payment using the same or different method
• Contact your bank or payment provider if issues persist

9. Disputed Transactions

If you dispute a transaction:

• Contact GTLo support within 30 days with your transaction reference
• Provide detailed information about why you dispute the charge
• GTLo will investigate and respond within 10 business days
• You may also contact your bank or payment provider to dispute the charge
• Chargebacks may result in service suspension pending resolution

10. Currency and Exchange Rates

If payment is made in a currency different from the service currency:

• Exchange rates are determined by your payment provider
• GTLo is not responsible for currency conversion rates or fees
• The final amount charged may differ from the displayed amount due to exchange rate fluctuations

11. Taxes

Applicable taxes and duties (VAT, GST, sales tax, etc.) are included in the displayed price. You are responsible for understanding tax implications of your payment and any additional taxes in your jurisdiction.

12. Account Credits and Prepayment

GTLo may offer account credits or prepayment options. Terms:

• Credits expire after 12 months of inactivity
• Credits are non-transferable and non-refundable
• Credits cannot be exchanged for cash
• GTLo is not liable for lost or stolen credit codes

13. Liability and Disputes

GTLo is not responsible for:

• Payment delays caused by your bank or payment provider
• Failed payments due to insufficient funds
• Service issues resulting from incorrect payment information provided by you
• Third-party payment gateway errors or outages

14. Changes to Payment Policy

GTLo may update this Payment Policy at any time. Changes will be posted on our website with 30 days' notice. Continued use of our services constitutes acceptance of the updated policy.