Terms of Service & Refund Policy

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client") and Virtual Partner Holdings LLC, a limited liability company registered in the State of Wyoming, United States ("Company," "we," "us," or "our"). By engaging our services, signing a proposal, or making a payment, you agree to be bound by these Terms in full.

Virtual Partner Holdings LLC operates through two primary service divisions: Virtual Partner Agency (marketing and creative services) and Stitch N Scale (clothing brand launch services). These Terms apply to all engagements across both divisions.

2. Services Provided

Virtual Partner Agency provides digital marketing, branding, creative, and consulting services to businesses and entrepreneurs, delivered remotely.

Stitch N Scale provides a done-with-you clothing brand launch program, including branding, clothing design, tech pack creation, Shopify store setup, supplier sourcing, social media setup, and first sale strategy — delivered over a 90-day engagement period.

The specific scope, deliverables, and timeline for each engagement will be outlined in a separate Proposal or Service Agreement provided to the Client prior to commencement.

3. Milestone-Based Payment Structure

All services are delivered and billed on a milestone basis. Payment milestones will be defined in the Proposal or Service Agreement for each engagement. The general structure is as follows:

• Milestone 1 (Kickoff Payment): Due before work begins — typically 50% of total project value
• Milestone 2 (Mid-Project Payment): Due upon completion of defined mid-project deliverables
• Milestone 3 (Final Payment): Due upon delivery of final deliverables and project completion

Work on each subsequent milestone will not begin until payment for the preceding milestone has been received and cleared. Payments are processed via Stripe or Wise.

4. Payment Terms

• All prices are quoted and billed in United States Dollars (USD)
• Invoices are due within 3 business days of issuance unless otherwise stated
• Late payments may result in a pause or suspension of services until payment is received
• The Company reserves the right to charge a late fee of 1.5% per month on overdue balances
• Clients are responsible for any transaction fees charged by Stripe, Wise, or other payment processors

5. Client Responsibilities

The Client agrees to:

• Provide timely feedback, approvals, and required materials within agreed timeframes
• Designate a primary point of contact for the engagement
• Attend scheduled calls and check-ins as defined in the Service Agreement
• Ensure that all content, assets, and information provided to the Company do not infringe on third-party intellectual property rights

Delays caused by the Client's failure to meet these responsibilities may result in project timeline extensions without adjustment to the total fee.

6. Intellectual Property

Upon receipt of full and final payment, the Client will own all final deliverables produced specifically for their engagement. The Company retains the right to display the work in its portfolio and marketing materials unless the Client requests otherwise in writing.

The Company retains ownership of all underlying methodologies, frameworks, tools, templates, and proprietary processes used in delivering services. Nothing in these Terms grants the Client a license to resell or reproduce the Company's processes.

7. Confidentiality

Both parties agree to keep confidential any proprietary or sensitive information shared during the course of the engagement. The Company will not disclose Client business information to third parties without prior written consent, except as required by law.

8. Refund & Cancellation Policy

Given the nature of our digital services and the resource commitment required at each milestone, the following refund and cancellation terms apply:

8.1 Cancellation by the Client

• If the Client cancels before work has commenced on a milestone, a full refund of that milestone payment will be issued
• If the Client cancels after work has commenced on a milestone, a partial refund may be issued based on the percentage of work remaining at the time of cancellation
• No refund will be issued for milestones where work has been fully completed and delivered

8.2 Refund Request Window

Refund requests must be submitted within 3 calendar days of the relevant milestone payment date. Requests submitted after this window will not be eligible for a refund, regardless of project status.

8.3 How to Request a Refund

To request a refund, the Client must submit a written request via email to the Company's designated contact email address. The request must include:

• Client name and project name
• Date of payment and milestone reference
• Reason for the cancellation or refund request

The Company will review and respond to all refund requests within 5 business days of receipt.

8.4 Non-Refundable Items

The following are non-refundable under any circumstances:

• Payment processing fees charged by Stripe or Wise
• Any third-party costs incurred on the Client's behalf (e.g., domain registration, Shopify subscription fees, stock assets, printing or sampling costs)
• Any milestone payment for work that has been fully delivered and accepted

8.5 Cancellation by the Company

The Company reserves the right to cancel an engagement if the Client fails to meet their responsibilities as outlined in Section 5, or if the Client behaves in a manner that is abusive, fraudulent, or otherwise in breach of these Terms. In such cases, a prorated refund for undelivered work may be issued at the Company's discretion.

9. Limitation of Liability

To the fullest extent permitted by law, Virtual Partner Holdings LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to the use of our services. Our total liability in any matter arising from these Terms shall not exceed the total fees paid by the Client in the three months preceding the claim.

10. Dispute Resolution

Any disputes arising under these Terms shall first be attempted to be resolved through good-faith negotiation between the parties. If a resolution cannot be reached within 30 days, the dispute shall be submitted to binding arbitration in the State of Wyoming, in accordance with the rules of the American Arbitration Association.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions.

12. Amendments

The Company reserves the right to modify these Terms at any time. Clients will be notified of material changes via email or through our website. Continued use of our services after any modification constitutes acceptance of the updated Terms.

13. Contact Information

For questions, disputes, or refund requests, please contact us at: