Payment & Refund Policy

This Payment & Refund Policy applies to payments, wallet credits, professional credits, manual admin top-ups, PayMongo or other payment processor transactions, refunds, chargebacks, and booking-related financial records on PuntaGo.

You do not need to accept this policy just to create an account. PuntaGo asks you to accept it immediately before wallet top-ups, credit purchases, payments, or other financial transactions.

PuntaGo may store the accepted payment policy version, acceptance time, IP address, user agent, and related payment record so we can prove which rules applied to a transaction.

This policy is designed to be adapted to Philippine payment, consumer, and tax requirements as the platform matures.

PuntaGo may use third-party payment processors such as PayMongo. Payment pages, card processing, e-wallets, bank transfer methods, fraud checks, and payment authentication may be handled by the payment processor.

A payment may be marked pending, paid, failed, expired, refunded, or disputed depending on processor confirmation and PuntaGo records.

You must provide accurate payment details and use only payment methods you are authorized to use.

PuntaGo may provide wallet credits or professional credits for platform actions such as quote submission, promotions, adjustments, or refunds.

Credits are not cash, bank deposits, stored-value money, or legal tender. Credits may be limited to specific platform uses and may not be transferable unless PuntaGo expressly allows it.

Professional quote fees, currently including the standard quote credit deduction, are charged according to the active platform rules shown in the product or admin settings.

Refund eligibility depends on the transaction type, booking status, payment processor status, service progress, professional actions, customer cancellation, duplicate payment, failed service, or administrative decision.

PuntaGo may issue refunds to the original payment method, wallet credits, platform credits, or another method allowed by the payment provider and applicable law.

Processor fees, promotional credits, already-consumed quote credits, completed service fees, or amounts paid directly outside PuntaGo may not be refundable unless required by law or approved by PuntaGo.

Customers and professionals should use PuntaGo messages and booking tools to document schedule changes, cancellations, no-shows, incomplete work, or service quality issues.

PuntaGo may review chat history, booking status, payment records, uploaded files, and user reports when deciding whether to reverse credits, issue refunds, or restrict accounts.

If a payment is disputed or charged back, PuntaGo may suspend wallet use, reverse credits, request information, restrict account access, or cooperate with payment processors and authorities.

Fraudulent payments, fake bookings, off-platform payment pressure, refund abuse, or misuse of credits may result in account suspension.

For payment or refund questions, contact support@puntago.net with your account email, booking ID, payment reference, amount, date, and a clear explanation.

We may ask for additional documents, screenshots, or communication records before completing a review.

Users must be at least 18 years old to make payments or use financial features on PuntaGo. You may also request account deletion or personal data removal, subject to legal, tax, payment, fraud-prevention, dispute, and safety retention requirements.