Cashless Payment Policy
AI Auto‑Tech Agency Ltd.

1. Purpose
This Cashless Payment Policy establishes the mandatory financial procedures governing all transactions conducted with AI Auto‑Tech Agency Ltd. The policy ensures transparency, security, regulatory compliance, and operational efficiency across all services, including automation solutions, ERP implementations, educational programs, consulting, and digital products.

2. Scope
This policy applies to:

• All clients, partners, and vendors engaging with AI Auto‑Tech Agency Ltd.

• All payments for services, subscriptions, retainers, licenses, and deliverables.

• All staff, contractors, and representatives acting on behalf of the agency.

3. Policy Statement
AI Auto‑Tech Agency Ltd. operates a strict cashless financial system. The agency does not accept cash payments under any circumstances, whether in person, through intermediaries, or via informal channels. All payments must be completed using approved digital methods to ensure traceability, compliance, and protection against fraud, theft, and financial mismanagement.

4. Accepted Payment Methods
The following digital payment channels are authorised for all transactions:

• Bank Transfer (GBP, USD, EUR, NGN)

• Debit or Credit Card

• PayPal or Stripe

• Secure Invoice Payment Links

• Standing Orders or Direct Debit for recurring retainers

• Approved Mobile Money platforms (where jurisdictionally valid)

Payments made through any unapproved method are invalid and will not be processed.

5. Payment Conditions

• Payment must be received and verified before commencement of any project, onboarding, or release of deliverables.

• Milestone‑based projects require settlement of each invoice prior to progression to the next phase.

• Subscription and retainer fees are billed on a recurring basis and must be settled by the due date to avoid service interruption.

• Refunds, where contractually applicable, are issued only through the original digital payment method.

• Third‑party payments are prohibited unless expressly authorised in writing by AI Auto‑Tech Agency Ltd.

6. Security and Verification Requirements

• All transactions generate a digital receipt, which serves as the official proof of payment.

• Clients must use verified accounts bearing their legal or registered business name.

• Any payment flagged as suspicious, unverifiable, or inconsistent with compliance standards will result in immediate suspension of service delivery pending investigation.

• AI Auto‑Tech Agency Ltd. will never request payment through personal accounts, informal channels, or unverified representatives.

7. Official Account Details and Inclusivity‑Based Exceptions
Any bank account details, payment identifiers, or transfer instructions displayed on the official AI Auto‑Tech Agency Ltd. website or authorised digital platforms shall be deemed official and valid for the purposes of this Cashless Payment Policy.
In jurisdictions where clients experience legitimate difficulty accessing or using the agency’s standard online payment systems, AI Auto‑Tech Agency Ltd. may, at its sole discretion, provide rare and strictly controlled alternative digital payment options. Such alternatives are offered exclusively under the agency’s inclusivity value, and they remain fully subject to all provisions of this Cashless Payment Policy, including verification, compliance, and audit requirements.
No alternative payment method is valid unless it originates directly from the agency’s official website or is issued in writing by an authorised representative of AI Auto‑Tech Agency Ltd.

8. Compliance and Regulatory Alignment
This policy aligns with:

• Anti‑Money Laundering (AML) regulations

• Know Your Customer (KYC) requirements

• International digital‑payment governance standards

• UK financial compliance obligations applicable to Birmingham‑based businesses

• Internal audit and financial‑control frameworks

Failure to comply may result in service suspension, contract termination, or reporting to relevant authorities where required by law.

9. Communication and Enforcement
This policy must be communicated to all clients at the proposal, contracting, and onboarding stages. AI Auto‑Tech Agency Ltd. reserves the right to decline or terminate engagements where payment terms are not honoured or where attempts are made to circumvent this policy.

Contractual Clause:
 
The Client acknowledges and agrees that AI Auto‑Tech Agency Ltd. operates a cashless payment system. All fees must be paid exclusively through authorised digital channels. Cash payments are strictly prohibited and shall not constitute valid settlement of any invoice or obligation. Any account details displayed on the agency’s official website shall be treated as valid and binding. In jurisdictions where online payment systems are inaccessible, the agency may provide limited alternative digital payment options under its inclusivity value, and such alternatives remain fully subject to this policy.

10. Amendments
AI Auto‑Tech Agency Ltd. may amend this policy at any time to reflect regulatory changes, operational requirements, or risk‑management considerations. Updated versions will be communicated in writing and take effect immediately unless otherwise stated.