Payment Policy

Effective Date: 16 - 10 - 2025

42 Creative Hub is committed to ensuring secure and compliant payment processing for all transactions involving our digital products and services. This Payment Policy outlines the accepted payment modalities, implemented security protocols for the protection of personal and financial data, and our billing procedures, in accordance with the relevant legislation of the European Union and Ireland.

1. Accepted Methods of Payment

The following payment methods are accepted for the purchase of digital products and services:

• Credit and Debit Cards: Transactions are facilitated through major card schemes, including Visa, MasterCard, and American Express.

• PayPal: Secure online payment processing via the PayPal platform.

• Bank Transfers: Direct bank transfers may be accommodated for specific transactions. Interested parties should contact our support team for further information and arrangements.

• Alternative Payment Solutions: Additional payment methods may be available depending on the specific service or the user's geographical location. Available options will be presented during the checkout process.

All payment processing is conducted through reputable third-party payment service providers, ensuring the secure handling of financial information.

2. Security Protocols

The security and privacy of our customers' payment information are paramount. All payment transactions are conducted over secure, encrypted channels utilizing the following security measures:

• Secure Socket Layer (SSL) Encryption: All data transmitted between the user's browser and our website is protected by SSL encryption, safeguarding financial details during transmission.

• Payment Card Industry Data Security Standard (PCI DSS) Compliance: Our practices adhere to the stringent requirements of the PCI DSS to maintain a high standard of security for all card-based transactions.

• Two-Factor Authentication (Optional): For enhanced security, we may implement two-factor authentication protocols for certain transactions, particularly those involving significant amounts or sensitive purchases.

42 Creative Hub™ does not retain sensitive payment card details on its internal systems. All payment information is securely processed by our certified third-party payment processors.

3. Billing Procedures

• Order Confirmation: Upon successful completion of a purchase, an order confirmation email will be dispatched, detailing the order specifics, including the payment method utilized, the total amount charged, and any applicable taxes or fees.

• Invoicing: Electronic invoices are generated automatically for all transactions. Requests for paper-based invoices or specific billing information should be directed to our customer support team at finance@42creativehub.com.

• Subscription-Based Services: For users subscribing to recurring services or products, payments will be processed on the designated billing date as per the subscription terms. Notifications will be provided in advance of any renewal charges.

• Value Added Tax (VAT) and Other Charges: All prices displayed on our platform include VAT at the prevailing rate as mandated by Irish and EU law. Any additional taxes, fees, or duties applicable based on the user's jurisdiction will be clearly itemized during the checkout process.

• Payment Disputes: In the event of a payment discrepancy, users are requested to notify us within 14 calendar days of the transaction date. We will undertake to resolve the matter in accordance with the applicable Consumer Protection Laws of the European Union and Ireland.

4. Refunds and Cancellations

Where a user is entitled to a refund or cancellation pursuant to our Cancellation & Refund Policy, the corresponding amount will be remitted to the original payment method used for the transaction. Please refer to our dedicated Cancellation & Refund Policy for comprehensive details regarding refund procedures.

5. Legal Rights of the Consumer

This Payment Policy is formulated to be consistent with the provisions of Irish and EU consumer protection legislation, including the EU Consumer Rights Directive and the Irish Consumer Protection Act. Consumers are afforded specific rights, including the right to transparent and accurate billing information, the right to cancel certain transactions under specific conditions, and the right to redress in cases of non-conforming goods or services. Should a user believe that any aspect of their payment, billing, or transaction has infringed upon their legal rights, we encourage them to contact us for resolution.

6. Contact Information

For any inquiries or concerns regarding this Payment Policy, or for assistance with any payment-related matters, please contact our customer support team at:

• Email: finance@42creativehub.com

• Registered Address: HQ Rivercourt Penthouse Floor, Cornmarket Square, Limerick V94 FVH4 - Ireland