Terms of Use

1. Introduction

Welcome to the Arrow Marketing Group ("Company", "we", "our", "us") website. By accessing or using our website (the "Site"), you agree to comply with and be bound by these Terms and Conditions (the "Terms"). If you do not agree to these Terms, please do not use our Site.

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In add, the Agency, Arrow Marketing Group, agrees to provide branding, marketing, and public relations (PR) services as outlined in the proposal (the "Services").

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2. Use of the Site

You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. You agree not to:

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• Use the Site for any fraudulent or unlawful purpose.
• Interfere with the operation of the Site or access to it by others.
• Transmit any viruses or other harmful code.

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3. Intellectual Property

3.1 Website Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, icons, images, audio clips, and software, is the property of Arrow Marketing Group or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, or otherwise use the content for any commercial purpose without our prior written consent.

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3.1 Agency-Provided Materials ​

The Agency warrants that all materials, including but not limited to designs, images, and written content, used to create the Client’s brand, marketing, and PR campaigns, will be properly licensed and legally obtained. The Agency shall indemnify and hold the Client harmless against any claims related to licensing violations for materials provided by the Agency. ​

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3.2 Client-Provided Materials ​

The Client warrants that any media, content, or materials provided to the Agency for use in the Services are legally obtained, free of third-party claims, and available for commercial use. The Client shall indemnify and hold the Agency harmless against any claims related to unauthorized or illegal use of Client-provided materials.

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4. Links to Third-Party Websites

Our Site may contain links to third-party websites. These links are provided for your convenience only, and we have no control over the content or availability of these sites. The inclusion of any link does not imply endorsement by us of the site or any association with its operators.

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5. Disclaimers

The content on our Site is provided "as is" and without warranties of any kind, either express or implied. We do not warrant that the Site will be error-free, that defects will be corrected, or that the Site or the server that makes it available is free of viruses or other harmful components. Your use of the Site is at your own risk.

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6. Limitation of Liability

6.1 Website Limitations

To the fullest extent permitted by law, Arrow Marketing Group shall not be liable for any damages of any kind arising from the use of or inability to use the Site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

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6.2 Contract Limitations

The Agency’s liability for any claims arising under your Contract shall be limited to the amount of fees paid by the Client under the Contract. The Agency shall not be liable for indirect, consequential, or punitive damages. ​

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7.  Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

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8. Governing Law

These Terms and any disputes arising out of or related to the use of the Site shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions.

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9. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of the Site after any such changes constitutes your acceptance of the new Terms.

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10. Contact for Terms

If you have any questions about these Terms, please contact us at:

Email: contact @arrowmarketinggroup.com

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11. Fulfillment Policy

Payment Processing (Arrow Marketing Group Uses Stripe for Credit Card Processing)

• All automated payments, including recurring subscriptions and one-off invoices, are processed on the 1st of each month. Customers must ensure sufficient funds are available in their linked payment method (e.g., credit/debit card, bank account, or digital wallet) to avoid payment failures.
• Stripe supports a variety of payment methods, including major credit/debit cards, ACH Direct Debits, digital wallets (e.g., Apple Pay, Google Pay), and local payment methods in 135+ currencies. Customers must provide valid payment details and authorize recurring charges.
• For failed payments, Stripe’s Smart Retries feature will automatically attempt to retry the charge at optimal times based on AI-driven signals, unless custom retry rules are defined. Customers will receive email notifications for failed payments and may be sent a link to a Stripe-hosted payment page to update their payment method.
• Businesses must comply with Stripe’s Terms of Service and ensure that ACH Direct Debits (if used) are enabled in the Stripe Dashboard under Settings > Payment Methods. Customers must authorize ACH payments by accepting the ACH Terms of Service.

Refunds

• Refunds, when applicable, will be processed within 10-15 business days from the date of approval. The exact timeframe depends on the payment method, card network, and issuing bank. Customers will be notified via email once the refund is initiated.
• Refunds are issued to the original payment method used for the transaction. Refunds to expired or canceled cards are typically credited to a replacement card by the card issuer or delivered via an alternate method (e.g., check or bank deposit).
• Stripe may charge a fee for refunds, depending on the pricing schedule. Processing fees from the original transaction are not returned. Customers should review Stripe’s pricing page for details.
• Refunds require sufficient funds in the Stripe account balance. If the balance is insufficient, the refund will remain pending until funds are available or may result in a negative balance, which Stripe may recover by debiting the linked bank account.
• For certain payment methods (e.g., ACH credit transfers), Stripe may contact the customer to collect banking information before processing the refund. Refunds can be canceled via the Stripe Dashboard or API if banking information is not yet provided.

Compliance and Security Requirements

• All transactions must comply with Payment Card Industry Data Security Standards (PCI DSS). Stripe is a PCI Level 1 compliant provider, and businesses using Stripe must maintain secure systems for handling customer data.
• Businesses must adhere to Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. Stripe automatically screens transactions against high-risk lists and may require additional customer verification for compliance.
• Automated payment systems use encryption, tokenization, Secure Sockets Layer (SSL), and Transport Layer Security (TLS) to protect sensitive data. Customers are responsible for safeguarding their payment method details.
• Businesses must provide clear instructions to customers on how to manage their payment methods and subscriptions, including access to a Stripe-hosted customer portal for self-service updates.

Payouts and Account Management

• Funds from processed payments are paid out to the business’s linked bank account based on the selected payout schedule (e.g., daily, weekly, or monthly). Payouts are subject to Stripe’s standard payout speeds (e.g., T+3 business days for manual schedules) and may vary by country or industry. The bank account must support both credit and debit transactions to handle payouts and potential negative balances.
• Businesses must maintain accurate bank account details in the Stripe Dashboard to avoid payout failures. Failed payouts may take up to 5 additional business days to be returned and will trigger email notifications.
• For businesses operating internationally, payouts in multiple currencies require separate bank accounts per supported currency. Charges in unsupported currencies are converted to the default settlement currency, incurring a conversion fee.

Customer Notifications and Transparency

• Customers will receive automatic email notifications for finalized invoices, failed payments, and refund confirmations. Businesses can enable or disable these notifications in the Stripe Dashboard under Settings > Subscriptions and Emails.
• For unpaid invoices, Stripe can send automated reminders based on schedules set in the Invoices tab of the billing settings. Reminders are not sent if payments are under processing to avoid confusion.
• Businesses must provide a clear reason for refunds (e.g., “Requested by customer”) and may include additional details in the refund email for transparency.

Disputes and Chargebacks

• Fully refunded transactions are not subject to disputes or chargebacks for credit card payments. However, for non-refunded transactions, customers may initiate disputes, which may incur additional fees. Businesses must respond to disputes promptly via the Stripe Dashboard.

Stripe’s fraud prevention tools, including AI and machine learning, monitor transactions for anomalies and suspicious activities to minimize dispute risks.

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12. Term and Termination of Contracts​‍‍

12.1 Term ​
Any contract signed with Arrow Marketing Group shall commence on the date stated in the contract and continue for the agreed duration, unless terminated earlier in accordance with this Section. ​
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12.2 Termination by Notice ​
Either Party may terminate its Contract by providing at least thirty (30) days' written notice to the other Party. ​
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12.3 Termination for Cause ​
The Agency may terminate this Contract immediately if the Client: ​
- Fails to make payments as agreed. ​
- Breaches any material term of this Contract. ​
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The Client may terminate this Contract immediately if the Agency: ​
- Fails to deliver Services in accordance with agreed specifications. ​
- Breaches any material term of this Contract. ​
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12.4 Incomplete Work ​
In the event of early termination, the Client shall be responsible for payment of all completed work and work-in-progress up to the effective date of termination. The Agency will deliver all completed materials and will cease work upon termination.