Last Update: July 2025  

 1. Key Definitions  

 Payment Processors: Third-party service providers handling payment processing for NUVEXN transactions.  

 Service Fees: Administrative charges applied to transactions.  

NUVEXN Balance: discounts issued to Customers for refunds, promotions, or loyalty programs.  

 2. Purchasing Terms (For Customers)  

 2.1 Payment Processing  

 All payments for services/products are made directly to NUVEXN via our platform.  

 Accepted payment methods:  

   Credit/Debit Cards  

   PayPal  

   NUVEXN Balance (discount)

   Bank Transfers (region dependent)  

 Service Fees:  

   5.5% of transaction value + $3.50 for purchases <$100.  

   Hourly services: 5.5% service fee.  

 2.2 Taxes  

 Prices displayed include applicable taxes (e.g., VAT, GST, sales tax).  

 Additional tax may apply based on Customer’s jurisdiction.  

 2.3 Currency & Conversion  

 Transactions default to USD. Local currency prices are estimates and subject to exchange rates.  

 Non-USD payments may incur conversion fees by Payment Processors.  

 3. Refunds & Cancellations  

 3.1 Policy  

 Refunds are issued to original payment method or as NUVEXN Balance discounts.  

 Digital Products: Nonrefundable after delivery unless defective.  

 Services:  

   Cancel >24h predelivery: Full refund  

   Cancel <24h predelivery: 50% refund  

   Postdelivery: Casebycase review  

 3.2 Dispute Resolution  

 Contact Support within 7 days of purchase for issues.  

 Chargebacks without prior contact may result in account suspension.  

 4. Security & Compliance  

 Payment data is encrypted and processed by PCIDSS compliant Payment Processors.  

 NUVEXN reserves the right to:  

   Hold funds for suspected fraud  

   Modify these terms with 30 days’ notice  

   Suspend accounts for payment policy violations  

 5. General Provisions  

 Governing Law: New York State law (U.S. transactions) or Cyprus law (nonU.S. transactions).  

 Updates: Revised terms take effect immediately upon posting. Continued use constitutes acceptance.  

 Contact: billing@nuvexn.com for payment inquiries.  

> NUVEXN acts solely as the merchant of record. Payment Processors (e.g., Stripe, PayPal) are independent contractors. Thirdparty fees may apply.  

Key B2C Adaptations:  

1. Removed all freelancer/Seller references (earnings, withdrawals, gigs)  

2. Simplified flow: Customer → Payment Processor → NUVEXN  

3. Added standard ecommerce refund windows  

4. Clarified digital product non-refundability  

5. Introduced NUVEXN Balance as customer credit system  

6. Included regulatory compliance (PCIDSS, tax inclusion)