Terms of Service

1. Overview & Service Scope

GoPayNag ("we", "our", or "us") operates an independent, non-custodial milestone tracking and deliverable release platform for creative studios, freelance designers, and their clients. GoPayNag does not act as a licensed escrow agent, bank, or money transmitter, and does not hold, pool, or custody client funds. Our platform enables creative professionals to issue deposit-first invoices, provides clients with a secure payment and deliverable handoff portal, and ensures automated, cryptographically secured release of master project files upon milestone settlement.

2. Subscription Plans & Pricing

GoPayNag offers monthly subscription access:

• Standard SaaS Plan: $19.00 USD per month following public availability.
• Founding Member Tier: $9 USD per month for the first 20 verified founding designers.
• Preview & Sandbox Periods: While GoPayNag is in preview or sandbox mode, checkout is labeled "Demo — No Real Charge" and no real cards are charged. Live client payments activate only after a designer connects their own payment account and GoPayNag enables live billing.

3. Cross-Border & International Invoicing

GoPayNag supports international digital service exports. Invoices may be generated in supported currencies (including USD, EUR, and INR). Client payments are processed by Razorpay and settle directly into the designer’s Razorpay account. GoPayNag does not hold, route, or reverse client funds.

Direct payment links. Where a designer supplies their own payment link or bank details, payment settles directly between the client and the designer. GoPayNag is not a payment processor, escrow agent, or money transmitter for those transactions, does not hold or custody funds, and does not verify, guarantee, reverse, or refund them. A payment reported through the client portal is client-reported and remains unverified until the designer confirms receipt. Designers are solely responsible for their gateway configuration, chargebacks, taxes, RBI purpose codes, FIRC/eFIRC records, GST treatment of exports, and FEMA realisation obligations.

4. Designer & Client Responsibilities

• Platform Role: GoPayNag is not the designer, seller, escrow agent, or payment processor for client invoices. We do not guarantee that a designer will deliver, that a client will pay, or that either party will honour the agreed scope. Disputes about the work, price, timing, quality, taxes, or refunds are between the designer, the client, and their payment provider.
• Work Ownership: Designers represent that they own or hold rights to invoice for deliverables uploaded.
• Late Fees: Day-14 late-fee notices are included solely when explicitly consented to on the upfront invoice summary. No fee is ever charged automatically.
• Deliverable Protection: Watermarked low-resolution previews are presented to the client prior to payment. Master source files are released automatically upon full payment receipt.

5. Payment Terms, Mid-Project Cancellation & Kill Fees

GoPayNag operates on a milestone and deliverable-locked model designed to maintain transparency and fair dealing between designers and clients:

• Upfront Deposits & Kill Fees: Deposits (default 30%, or as designated on the invoice within the account cap) secure designer calendar allocation, preliminary research, ideation, and draft concepts. Deposits are non-refundable once creative work has commenced, serving as an agreed kill fee.
• Mid-Project Termination: Either party may discontinue the engagement prior to final delivery. In the event of early termination, the client is fully released from paying any remaining unpaid balance or unbilled milestones. The designer retains the deposit for time and concept development already expended.
• Intellectual Property & Draft Protection: Ownership of draft sketches, watermarked previews, and unapproved concepts remains exclusively with the designer. No commercial rights, copyright transfer, or publication licenses are granted unless the invoice is settled in full.
• Deliverable Quality: GoPayNag verifies payment status only. We do not inspect, validate, or guarantee the quality, completeness, format, or fitness of any file a designer uploads, and we do not verify that a file matches what the client expected. The client portal shows a delivery manifest (file name, size, and upload time) for transparency, not an endorsement of the file.
• Client Review Before Balance: Clients should review the preview, the delivery manifest, and any available file details before paying the balance. Once the balance is settled, the finals unlock automatically.
• Designer Non-Delivery: If a designer fails or refuses to provide agreed deliverables after a payment is settled, the client should contact the designer first and may use Report a delivery problem in the client portal. GoPayNag records these reports and may suspend or remove a designer, but because payments settle directly to the designer (not to GoPayNag), GoPayNag cannot reverse, refund, or recover funds. Any refund, chargeback, or buyer-protection claim is between the client, the designer, and the payment provider used. See our Refund Policy for details.

6. Contact & Legal Entity Information

Last updated: November 2026