1. Overview

This Refund and Payment Policy outlines the payment structure, refund eligibility, and financial obligations associated with engaging I&G Construction Services LLC (“Company”). By signing any contract or estimate or remitting any payment, the Client acknowledges and agrees to this policy in full.

2. Payment Structure

3. Accepted Payment Methods

• Cash — Accepted for all payment amounts.
• Check — Made payable to “I&G Construction Services LLC.” Returned checks incur a $50 fee.
• ACH / Bank Transfer — Accepted; bank information provided upon request.
• Credit / Debit Card — Accepted with a processing fee of up to 3.5%, disclosed at time of payment.

We do not accept third-party payment apps (e.g., Venmo, PayPal, Cash App) as primary payment methods unless otherwise agreed in writing.

4. Deposits — Non-Refundable Policy

Deposits may be forfeited in whole or in part if:

• The Client cancels the project for any reason after materials are ordered.
• The Client delays the project start by more than 30 days from the agreed start date without prior written agreement.
• The Client fails to provide site access on the scheduled start date without prior notice.
• The project cannot proceed due to conditions misrepresented by the Client at the time of estimate.

5. Refund Eligibility

Refunds are not issued for completed work. Refund requests must be submitted in writing within 30 days of project completion. The Company will evaluate each request individually.

Situations where a partial refund or credit may be considered:

• A confirmed overpayment or billing error.
• Project cancellation by the Company prior to work commencing, in which case deposit amounts may be refunded after deducting documented costs.

Situations where refunds will NOT be issued:

• Dissatisfaction with natural wood characteristics (checking, color variation, grain, weathering) as outlined in our Limitation of Liability.
• Damage caused by Client neglect, modification, or Acts of God after project completion.
• Change of mind after project completion.
• Delays caused by weather, permitting, or supply chain factors outside the Company’s control.

6. Late Payments

Invoices not paid within ten (10) days of the due date are subject to a late fee of 1.5% per month (18% per year) on the outstanding balance, beginning the day after the due date.

The Company reserves the right to:

• Suspend ongoing work until the account is brought current.
• Require cash or certified funds for all future payments after one or more late or returned payments.
• Pursue collection action, including the recovery of attorney’s fees and collection costs, for unpaid balances.
• Place a mechanic’s lien on the property in accordance with Tennessee lien law (T.C.A. § 66-11-101 et seq.) for unpaid amounts related to labor and materials provided.

7. Disputed Invoices

If the Client disputes any portion of an invoice, the Client must notify the Company in writing within five (5) days of the invoice date, specifying the basis for the dispute. Undisputed portions of any invoice remain due by the original due date. Failure to dispute an invoice within this period constitutes acceptance of all charges.

8. Chargebacks & Payment Disputes

Initiating a chargeback or payment dispute without first attempting resolution directly with the Company is a breach of this agreement. The Client agrees to first contact the Company to resolve any billing concerns before engaging their financial institution. If a chargeback is found to be unwarranted, the Client shall be responsible for all resulting fees and costs incurred by the Company.