Chargeback Policy

Last updated: August 08, 2026

This Chargeback Policy explains how ZainClouds handles payment disputes and chargebacks for our digital services, including web development, mobile application development, backend services, cloud services, design, SEO, maintenance, and support.

Contact Us Before Filing a Chargeback

If you have a billing issue, duplicate charge, service concern, or refund request, please contact us first at info@zainclouds.com. We will review the issue and work with you to resolve it quickly. Many billing issues can be corrected faster by contacting us directly than by opening a bank dispute.

Valid Billing Concerns

Please contact us immediately if:

• You do not recognize a payment to ZainClouds.
• You believe your card, account, or payment method was used without permission.
• You were charged more than once for the same invoice.
• You believe the payment amount does not match the approved invoice or agreement.

Chargeback Review

When a chargeback is received, ZainClouds will review the transaction, invoice, project agreement, communication history, delivery records, access logs, and any completed work or service records. We may submit this information to the payment gateway, acquiring bank, issuing bank, or card network as part of the dispute process.

Service Status During a Dispute

If a chargeback is opened for an active project, subscription, hosting service, maintenance service, or support service, ZainClouds may pause work, suspend access, or place the account on hold until the dispute is resolved. This helps prevent additional costs while the payment status is under review.

Unauthorized or Fraudulent Payments

If you believe a payment was unauthorized or fraudulent, contact your bank and notify ZainClouds at info@zainclouds.com as soon as possible. We will cooperate with the payment provider and may request documents or information to verify the claim.

Invalid or Abusive Chargebacks

Chargebacks filed after services have been delivered, project milestones have been approved, or work has been completed may be contested. ZainClouds reserves the right to recover chargeback fees, administrative costs, unpaid invoices, and costs related to completed or delivered services where permitted by applicable law and agreement terms.

No Double Recovery

A client may not receive both a refund from ZainClouds and a chargeback reversal from the bank for the same transaction. If a refund has already been approved or processed, the client should not open a chargeback for the same payment.

How to Resolve a Dispute

To resolve a billing dispute, email info@zainclouds.com with your name, invoice number, payment date, payment amount, and a clear description of the issue. We will review the case and respond with the next steps.

Contact Us

If you have any questions about this Chargeback Policy, please contact ZainClouds at info@zainclouds.com or +92-339-2003974.