LEGAL POLICIES & TERMS OF SERVICE

1. TERMS AND CONDITIONS

1.1 General Information

This website and all associated digital platforms are operated by Creative Capital Studio (hereinafter referred to as the “Company,” “we,” “us,” or “our”), a legally registered business operating under the laws of its jurisdiction of incorporation.

1.2 Scope of Services

Creative Capital Studio provides creative, strategic, and digital services. The scope of our offerings includes, but is not limited to, the following:

• Brand strategy, identity design, and visual branding systems

• Graphic design, illustration, and art direction

• Web design and development, including UI/UX design

• Digital marketing strategy, content creation, and social media management

• Consulting services related to creative strategy and business communications

• Photography, video production, and multimedia content creation

All services are described as accurately as possible on our website and in proposals delivered to clients. However, we do not guarantee absolute completeness or absence of errors in service descriptions. Final deliverables and scope are governed by individual project agreements or statements of work (SOW) signed between the Company and the client.

1.3 Acceptance of Terms

By accessing, browsing, or using this website or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any provision of these Terms, you must immediately discontinue use of the website and all related services.

These Terms constitute a legally binding agreement between you (the “User,” “Client,” or “you”) and Creative Capital Studio. Your continued use of the website following any modifications to these Terms constitutes your acceptance of such changes.

1.4 User Obligations and Acceptable Use

When accessing or using our website and services, you agree to the following obligations:

• Use the website and services only for lawful purposes and in compliance with all applicable local, national, and international laws and regulations.

• Refrain from engaging in any activity that could damage, disable, overburden, or impair the functionality of our website or interfere with any other party’s use of the website.

• Not attempt to gain unauthorized access to any portion of the website, other accounts, computer systems, or networks connected to our servers.

• Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the website or its content without express written permission from Creative Capital Studio.

• Provide accurate, current, and complete information when requested, including but not limited to contact details, project briefs, and feedback.

• Not upload or transmit any viruses, malware, or other harmful code through our platforms.

We reserve the right to restrict or terminate access to our website and services at our sole discretion if these obligations are violated, without prior notice and without liability.

1.5 Project Agreements and Statements of Work

Individual projects undertaken by Creative Capital Studio are governed by separate project agreements, proposals, or statements of work (SOW) that outline the specific scope, deliverables, timelines, and compensation terms. In the event of any conflict between these general Terms and Conditions and a specific project agreement, the terms of the project agreement shall prevail.

Key provisions typically addressed in project agreements include:

• Detailed description of deliverables and project milestones.

• Payment schedule, including deposits, milestone payments, and final payments.

• Timeline and deadlines for deliverables and client feedback.

• Revision rounds included and terms for additional revisions.

• Intellectual property transfer or licensing terms upon full payment.

• Confidentiality obligations and non-disclosure provisions.

• Termination conditions and associated fees.

1.6 Pricing and Payment Terms

All prices for services are quoted in the currency specified in the relevant proposal or project agreement. Prices are subject to change without prior notice for new projects; however, prices agreed upon in a signed proposal or SOW will remain fixed for the duration of that engagement unless otherwise mutually agreed in writing.

Payment terms are as follows:

• A non-refundable deposit (typically 50% of the total project fee) is required before work commences, unless otherwise specified in the project agreement.

• Remaining payments are due according to the milestone schedule outlined in the project agreement, or upon delivery of the final deliverables.

• Payments may be processed through third-party payment providers, including but not limited to Stripe, PayPal, MercadoPago, or bank wire transfers.

• All invoices are due within fifteen (15) business days of issuance unless otherwise specified.

• Late payments may incur a late fee of 1.5% per month on the outstanding balance, compounded monthly.

Failure to make timely payments may result in suspension of work, withholding of deliverables, or cancellation of the project. Creative Capital Studio reserves the right to pursue legal remedies to recover outstanding amounts, including reasonable attorney’s fees and collection costs.

1.7 Intellectual Property Rights

All content, materials, and works created by or on behalf of Creative Capital Studio, including but not limited to logos, text, designs, graphics, illustrations, photographs, videos, software, and any other creative works (collectively, “Company Content”), are the exclusive property of Creative Capital Studio or its licensors and are protected by applicable intellectual property laws, including copyright, trademark, and trade dress laws.

With respect to client work:

• Upon full and final payment of all fees associated with a project, intellectual property rights to the final approved deliverables will transfer to the client as specified in the project agreement.

• Creative Capital Studio retains the right to use any work produced for portfolio, case study, marketing, and promotional purposes unless explicitly prohibited by a written agreement.

• Preliminary concepts, drafts, unused designs, and working files that were not selected as part of the final deliverables remain the property of Creative Capital Studio.

• Any third-party assets (stock photography, licensed fonts, third-party software) used in deliverables are subject to their respective license terms, which the client is responsible for maintaining.

1.8 Confidentiality

Both parties agree to maintain the confidentiality of any proprietary, sensitive, or non-public information disclosed during the course of the engagement. Confidential information includes, but is not limited to, business strategies, financial data, client lists, project specifications, trade secrets, and any information designated as confidential.

Confidentiality obligations do not apply to information that:

• Was already publicly available at the time of disclosure

• Becomes publicly available through no fault of the receiving party

• Was already in the possession of the receiving party prior to disclosure

• Is independently developed by the receiving party without reference to the confidential information

• Is required to be disclosed by law, regulation, or court order

This confidentiality obligation survives the termination of any project agreement for a period of two (2) years, unless a different period is specified in the applicable project agreement.

1.9 Limitation of Liability

To the fullest extent permitted by applicable law, Creative Capital Studio, its directors, officers, employees, agents, and affiliates shall not be liable for any of the following:

• Indirect, incidental, special, consequential, or punitive damages of any kind

• Loss of data, profits, revenue, business opportunities, or goodwill

• Damages arising from interruption of business or loss of use

• Any damages resulting from unauthorized access to or alteration of your transmissions or data

• Any damages arising from the conduct of any third party related to the services

All services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall Creative Capital Studio’s total aggregate liability for any claims arising out of or relating to these Terms or the use of our services exceed the total amount paid by the client to Creative Capital Studio for the specific project giving rise to the claim during the twelve (12) months preceding the event giving rise to the liability.

1.10 Indemnification

You agree to indemnify, defend, and hold harmless Creative Capital Studio, its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney’s fees) arising from:

• Your use of the website or services in violation of these Terms.

• Your violation of any applicable law, regulation, or third-party right.

• Any content or materials provided by you to Creative Capital Studio for use in a project that infringe upon the intellectual property rights of a third party.

• Any breach of your representations or obligations under these Terms or any project agreement.

1.11 Force Majeure

Neither party shall be liable for any failure or delay in the performance of its obligations under these Terms or any project agreement to the extent that such failure or delay is caused by circumstances beyond the reasonable control of the affected party, including but not limited to natural disasters, pandemics, epidemics, acts of government, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, power outages, or failures of third-party service providers.

The affected party shall promptly notify the other party of the force majeure event and use commercially reasonable efforts to mitigate its effects. If a force majeure event continues for more than sixty (60) consecutive days, either party may terminate the affected project agreement upon written notice.

1.12 Third-Party Links and Services

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by Creative Capital Studio. We are not responsible for the content, privacy policies, practices, or availability of any third-party websites or services. The inclusion of any link does not imply endorsement by Creative Capital Studio.

You acknowledge and agree that Creative Capital Studio shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any third-party websites or services.

1.13 Governing Law and Dispute Resolution

These Terms and Conditions, and any disputes arising out of or in connection with them, shall be governed by and construed in accordance with the laws of the jurisdiction where Creative Capital Studio is legally registered, without regard to its conflict of law provisions.

In the event of any dispute, controversy, or claim arising out of or relating to these Terms, the parties agree to first attempt to resolve the matter through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may submit the dispute to binding arbitration administered under the rules of the applicable arbitration institution in the Company’s jurisdiction, or, alternatively, to the exclusive jurisdiction of the competent courts in that jurisdiction.

1.14 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms. The invalidity of any single provision shall not affect the validity and enforceability of the remaining provisions.

1.15 Modifications to Terms

Creative Capital Studio reserves the right to update, amend, or modify these Terms and Conditions at any time and at its sole discretion. Any changes will be effective immediately upon posting on the website, with an updated “Last Updated” date. It is your responsibility to review these Terms periodically. Continued use of the website or services after any modifications constitutes acceptance of the updated Terms.

For material changes that significantly affect your rights or obligations, we will make reasonable efforts to provide advance notice through the website or via email to registered clients.

2. REFUND POLICY

2.1 General Provisions

Creative Capital Studio is committed to delivering high-quality services and ensuring client satisfaction. This Refund Policy outlines the circumstances under which refunds may be granted and the procedures for requesting them.

Refund requests must be submitted within five (5) business days of the date of purchase or payment, provided that the conditions outlined below are met.

2.2 Eligibility for Refunds

Refunds may be considered under the following circumstances:

• The service for which payment was made has not been initiated or substantially commenced by Creative Capital Studio.

• There is a documented and verifiable discrepancy between the services described in the approved proposal/SOW and the services actually delivered.

• A material failure on the part of Creative Capital Studio to meet agreed-upon specifications, provided that the client has communicated the issue in writing and allowed a reasonable opportunity for correction.

2.3 Non-Refundable Items

The following are explicitly excluded from refund eligibility:

• Completed services that have been delivered and accepted by the client (whether acceptance is express or implied through silence after a reasonable review period).

• Custom work that has been commenced, including but not limited to design concepts, strategy documents, brand guidelines, and any deliverables in progress.

• Digital products, templates, or assets that have been delivered or made accessible to the client.

• Project deposits, which are non-refundable and serve to reserve Creative Capital Studio’s capacity and resources.

• Delays, project extensions, or scope changes caused by the client, including but not limited to late feedback, incomplete briefs, or changes in project direction.

• Third-party costs incurred by Creative Capital Studio on behalf of the client, such as stock image licenses, domain registrations, hosting fees, or printing costs.

2.4 Refund Request Procedure

To request a refund, clients must follow this procedure:

• Submit a written request via email to hello@creativecapital.studio.

• Include the following information: full name, company name (if applicable), invoice or receipt number, the specific service for which the refund is requested, and a detailed explanation of the reason for the request.

• Attach any relevant supporting documentation, such as correspondence, project agreements, or evidence of the issue.

Creative Capital Studio will acknowledge receipt of the refund request within three (3) business days and will review and process the request within ten (10) business days from the date of acknowledgment.

2.5 Refund Method and Processing

Approved refunds will be issued as follows:

• Refunds will be processed via the original payment method used at the time of purchase.

• Processing times typically range from five (5) to ten (10) business days after approval, depending on the payment provider.

• Creative Capital Studio is not responsible for any delays caused by banks, payment processors, or other financial intermediaries.

• If the original payment method is no longer available, Creative Capital Studio will work with the client to identify an alternative refund method.

2.6 Partial Refunds

In cases where work has been partially completed, Creative Capital Studio may, at its discretion, offer a partial refund. The partial refund amount will be calculated based on:

• The percentage of work completed relative to the total project scope

• Time and resources invested by Creative Capital Studio up to the date of the refund request

• Any third-party costs already incurred on behalf of the client

• The terms specified in the applicable project agreement

Creative Capital Studio will provide a transparent breakdown of costs and work completed when issuing a partial refund determination.

2.7 Project-Specific Agreements

Where a specific project agreement or SOW contains refund or cancellation terms that differ from this general Refund Policy, the terms of the project-specific agreement shall prevail. Clients are advised to carefully review the cancellation and refund provisions in their individual project agreements.

2.8 Dispute Resolution for Refund Claims

If a refund request is denied and the client disagrees with the determination, the client may escalate the matter by submitting a written appeal to hello@creativecapital.studio within ten (10) business days of receiving the denial notice. The appeal will be reviewed by a senior member of the Creative Capital Studio team, and a final determination will be issued within fifteen (15) business days.

2.9 Modifications to This Policy

Creative Capital Studio reserves the right to modify this Refund Policy at any time. Changes will be effective upon posting on the website. Refund requests will be governed by the policy in effect at the time of the original purchase.

3. PRIVACY POLICY

3.1 Information We Collect

We collect limited information to understand how our website is used and to improve our services.

We use Google Analytics (GA4) to collect anonymized usage data, including:

• Pages visited and navigation paths

• Device type, browser, and operating system

• Approximate geographic location (city / country level)

• Time spent on pages and interaction events

This data does not allow us to personally identify you.

3.2 How We Use This Information

We use collected data to:

• Understand website performance and usage patterns

• Improve content, structure, and user experience

• Evaluate the effectiveness of communications and launches

We do not sell, rent, or trade your data.

3.3 Cookies and Tracking Technologies

Google Analytics uses cookies or similar technologies to function.

Depending on your location, you may be asked to consent to the use of non-essential cookies before analytics are enabled. You can manage or withdraw your consent at any time via your browser settings or our cookie preferences (where applicable).

3.4 Legal Basis for Processing (GDPR)

Where applicable under the GDPR, we process data based on:

• Your consent (for analytics cookies, when required)

• Legitimate interest, limited to understanding and improving our website

3.5 Data Sharing and International Transfers

Analytics data may be processed by Google LLC, which may store data on servers located outside your country, including the United States.

Google participates in applicable data-transfer frameworks and applies safeguards in line with its privacy obligations.

Learn more: https://policies.google.com/privacy

3.6 Data Retention

We retain analytics data only for as long as necessary to fulfill its purpose or as required by law. Data is automatically deleted or anonymized according to our Google Analytics retention settings.

3.7 Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you

• Request corrections or deletion

• Withdraw consent at any time

• Object to or restrict certain processing

To exercise these rights, contact us at the email below.

3.8 How to Opt Out of Analytics

You can opt out of Google Analytics by:

• Adjusting your browser cookie settings

• Using Google’s opt-out browser add-on: https://tools.google.com/dlpage/gaoptout

3.9 Third-Party Links

Our website may contain links to external sites. We are not responsible for the privacy practices or content of those third-party websites.

3.10 Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated revision date.

3.11 Contact

If you have questions about this Privacy Policy or how we handle data, you can contact us at: hello@creativecapital.studio

4. CONTACT INFORMATION

If you have any questions, concerns, or requests regarding these policies, or if you wish to exercise any of your rights described herein, please contact us:

Company

Creative Capital Studio

Email

hello@creativecapital.studio

Website

www.creativecapital.studio

Response Time

Within 3 business days of receipt

For privacy-related inquiries or data subject access requests, please include “Privacy Request” in the subject line of your email to help us route your request appropriately.

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