Privacy & Chargeback Policies

Effective Date: July 6, 2026

Welcome to Spectra BDC These Terms and Conditions (“Terms”) govern your use of our website and services. By accessing our website or engaging with our services, you agree to be bound by these Terms. If you do not agree with these Terms, please refrain from using our website or services.

Chargeback Policy

At Spectra BDC we are committed to delivering high-quality services and maintaining complete customer satisfaction. Our Chargeback Policy is designed to prevent fraudulent disputes while ensuring a fair and transparent resolution process for all clients.

Steps to Follow

1. Eligibility for Refunds

Refunds are issued only under the conditions outlined in our Refund Policy. Requests that do not meet our refund eligibility criteria may not qualify for reimbursement.

2. Dispute Resolution

Before initiating a chargeback with your bank or credit card provider, clients must first contact our support team. We are committed to resolving any billing or service-related concerns promptly and fairly.

3. Non-Refundable Services

Once work has commenced on any design, development, software, website, application, AI solution, or other custom service, payments are considered non-refundable unless otherwise stated in a written agreement.

4. Unauthorized Chargebacks

Any chargeback initiated without first contacting our support team will be considered a violation of these Terms and Conditions. We reserve the right to dispute such chargebacks and pursue any legal remedies available under applicable law.

Refund Policy

Effective Date: July 7, 2026

At Spectra BDC, we strive to deliver high-quality software development and digital solutions that meet our clients’ requirements. Because our services involve significant time, expertise, and custom development, the following refund policy applies.

1. Custom Development Services

Payments made for custom software development, website development, mobile application development, UI/UX design, CRM solutions, AI automation, and consulting services are generally non-refundable once work has commenced.

2. Project Cancellation

If you choose to cancel your project before work has started, you may be eligible for a full refund, less any payment processing fees incurred.

If work has already begun, refunds will be calculated based on the portion of the project that has not yet been completed. Charges for completed work, research, planning, design, development, and consultation are non-refundable.

3. Milestone Payments

Projects are typically divided into milestones. Once a milestone has been completed, reviewed, and approved by the client, payments made for that milestone are non-refundable.

4. Monthly Services

For recurring services such as website maintenance, hosting, technical support, or software maintenance subscriptions:

You may cancel at any time before your next billing cycle.
No partial refunds are provided for unused portions of the current billing period.

5. Revision Policy

We are committed to client satisfaction and include reasonable revisions according to the agreed project scope. Requests outside the original scope may require additional charges.

6. Refund Processing

Approved refunds will be processed to the original payment method within 5–10 business days, depending on your financial institution.

7. Chargebacks

If you experience an issue with our services, please contact us before initiating a chargeback. We are committed to resolving concerns promptly and professionally.

8. Contact Us

For any questions regarding this Refund Policy or to request a refund, please contact us through the contact information provided on our website.

Privacy Policy

Your privacy is important to us. This Privacy Policy explains how Spectra BDC collects, uses, stores, and protects your personal information.

Information We Collect

Name, email address, phone number, and other contact information.
Billing and payment information processed securely through trusted third-party payment providers.
Website usage information, including browser type, IP address, and analytics data to improve our services.

How We Use Your Information

To provide and improve our services.
To process payments securely.
To communicate project updates and customer support.
To send important account or service notifications.

Data Protection

We implement industry-standard security measures to safeguard your personal information against unauthorized access, disclosure, alteration, or misuse.

SMS Policy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will never be shared with any third parties.

Spectra BDC uses SMS communications only for:

Service notifications.
Order and project updates.
Security verification (OTP, password reset, login verification).
Customer support follow-ups.
Promotional offers (only for customers who have opted in).

Consent

SMS messages are sent only to customers who have expressly provided their consent through our website, forms, or subscription process.

Message Frequency

Service-related messages are sent only when necessary.
Promotional messages are limited to a maximum of four (4) messages per month unless additional consent has been provided.

Opt-Out

Customers may unsubscribe at any time by replying STOP to any promotional SMS or by contacting our support team.

Data Privacy

Phone numbers are securely stored and are never sold, rented, or shared with third parties for marketing purposes.

Message & Data Rates

Standard carrier message and data rates may apply depending on your mobile service provider.

Compliance

Our SMS communications comply with applicable regulations, including TCPA, GDPR, and relevant carrier requirements.

Support

For assistance regarding SMS communications, please contact:

Website: https://spectrabdc.online

Email: Info@spectrabdc.online

Phone: (276) 352-7785

Terms of Service

Services

We provide professional services including:

Website Development
Custom Software Development
Mobile Application Development
UI/UX Design
CRM Development
AI Voice Agents
AI Chatbots
Business Automation Solutions

All services are provided under a written proposal, quotation, or agreement outlining project scope, pricing, timelines, and deliverables.

Client Responsibilities

Clients agree to:

Provide complete and accurate project information.
Review and approve work within agreed timelines.
Make payments according to the agreed schedule.
Respect our intellectual property rights.

Intellectual Property

All deliverables remain the property of Spectra BDC until full payment has been received.

Upon full payment, clients receive a license to use the completed work for its intended business purpose.

Unless otherwise agreed in writing, we reserve the right to display completed projects within our portfolio and marketing materials.

Payment Terms

Payment schedules are specified in project agreements.

Late payments may result in project delays, suspension of services, or additional charges where applicable.

Revisions & Cancellation

Project revisions are provided according to the agreed project scope.

Additional revisions outside the agreed scope may incur extra charges.

If either party terminates the project, the client remains responsible for payment of all completed work.

Confidentiality

We treat all client information as confidential and will never disclose confidential information without written permission unless required by law.

Limitation of Liability

While we strive to deliver the highest quality services, Spectra BDC cannot guarantee specific business results and shall not be liable for indirect, incidental, or consequential damages arising from the use of our services.

Website Use

By using this website, you agree not to:

Violate any applicable laws.
Attempt unauthorized access to our systems.
Copy or reproduce website content without permission.

We reserve the right to suspend or terminate access to our website for violations of these Terms.

Amendments

These Terms may be updated from time to time.

The latest version will always be available on Spectra BDC Continued use of our website or services constitutes acceptance of any updates.

Governing Law

These Terms and Conditions shall be governed by the applicable laws of the jurisdiction in which Spectra BDC operates.