Finance Policy

Finance Policy – Co.Design4All

Effective Date: 15/07/2025
Version: 1.0
Applies to: All clients and customers of Co.Design4All

1. Purpose and Scope

This Finance Policy outlines Co.Design4All’s approach to payments, invoicing, and refunds for services delivered to clients and partners. The policy is designed to ensure transparency, consistency, and compliance with applicable Australian consumer protection and financial regulations.

This policy applies to all individuals, organisations, or entities that engage Co.Design4All for design, facilitation, training, evaluation, research, or consulting services.

2. Payment Terms

2.1 Invoicing

Invoices will be issued upon:

Execution of a service agreement or acceptance of a proposal, or

Completion of a milestone, or

Delivery of a service as agreed in the scope of work.

Invoices will include:

Description of services provided

Date(s) of service

GST (if applicable)

Payment due date

Bank details or payment method options

2.2 Payment Methods

Co.Design4All accepts payments via:

Electronic Funds Transfer (EFT)

Credit card (where applicable)

Purchase order and invoicing arrangements for organisations

Other agreed-upon institutional payment methods

2.3 Payment Due Dates

Unless otherwise specified in a signed agreement or invoice, full payment is due 14 days from the invoice date.

Late payments may incur a 2% monthly interest charge on outstanding balances.

3. Refunds and Cancellations

3.1 Client-Initiated Cancellations

If a client cancels a scheduled service or engagement:

Cancellation Period Before Service	Refund / Charges
More than 14 days	Full refund (if pre-paid) or no charge
7 to 14 days	50% refund or 50% of agreed fee payable
Less than 7 days	No refund or 100% of agreed fee payable

Note: These terms apply unless alternative cancellation terms are agreed upon in writing within a formal contract.

3.2 Co.Design4All – Initiated Cancellations

If Co.Design4All is required to cancel or reschedule a service due to unforeseen circumstances:

Clients will be offered a full refund for pre-paid services, or

Services will be rescheduled at a mutually convenient time, or

Credit may be applied to future engagements, subject to client preference.

3.3 Refund Eligibility

Refunds will be processed in cases where:

A service has been paid for but not delivered and was cancelled in accordance with this policy.

The client has overpaid or paid in error.

A material error or breach of contract occurred on the part of Co.Design4All.

Refunds will not be provided for:

Change of mind after services have commenced or been delivered.

Missed appointments or late attendance by the client (unless prior arrangements are made).

4. Disputes and Special Circumstances

Any concerns regarding charges, payment disputes, or special financial arrangements should be directed to hello@codesign4all.com within 14 days of the invoice or issue arising.

Co.Design4All is committed to resolving financial disputes promptly and fairly, and may consider reasonable exceptions on a case-by-case basis.

5. Financial Assistance or Fee Waivers

Co.Design4All may offer reduced-fee services or pro bono arrangements for eligible community-led, not-for-profit, or First Nations organisations as part of its equity commitment.

All fee reductions or waivers must be formally approved in writing by Co.Design4All management.

6. Changes to This Policy

Co.Design4All reserves the right to review and amend this Finance Policy at any time. The most current version will be made available on our website or upon request.