1. Purpose and Acceptance

These Terms of Use ("Terms") constitute a binding agreement between Appigma LLC ("Appigma," "we," "our," or "us") and the individual or legal entity ("Client," "you," or "your") that engages or utilizes Appigma's professional services, software, digital solutions, or related products (collectively, the "Services"). By accessing, registering for, or using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. You further acknowledge that all work performed by Appigma is conducted in reliance upon these Terms.

2. Scope of Application

These Terms govern all engagements, proposals, agreements, and communications pertaining to Services rendered by Appigma. They apply to all projects, deliverables, and intellectual property produced or managed by Appigma, whether delivered via website, email, or direct contractual engagement. These Terms do not extend to: - Third-party entities or subcontractors not under Appigma's management or ownership; - Individuals or organizations unrelated to Appigma's contractual structure; or - External websites or links not controlled by Appigma.

3. Client Cooperation and Good Faith

Client cooperation is essential to the timely and successful completion of any project. The Client agrees to: - Provide accurate, timely, and complete information as reasonably requested; - Communicate promptly regarding approvals, materials, and feedback; and - Make timely payments pursuant to any invoicing or proposal schedule. Appigma shall not be liable for any delay, deficiency, or failure in performance resulting from the Client's failure to cooperate, communicate, or provide information in a timely manner.

4. Complaints and Dispute Process

In the event of dissatisfaction, the Client must notify Appigma in writing at hello@appigma.com and allow a reasonable opportunity for resolution. Appigma maintains a no-chargeback policy. Clients expressly agree not to initiate or request any chargeback with their financial institution. Instead, any concerns shall be addressed through good-faith negotiation, followed—if necessary—by mediation or arbitration under Section 9. This cooperative process is a mandatory condition precedent to any potential refund or financial adjustment.

5. Refund Policy

Appigma delivers Services in a professional and commercially reasonable manner. Refund eligibility will be evaluated only after good-faith efforts to resolve the issue internally have failed.

A. Custom Software / Application Development - A full refund may be issued if a project has not yet commenced. - If a project has commenced, Appigma may issue a partial refund proportionate to the uncompleted portion of work, as reasonably determined by Appigma. - Where no written contract exists, Appigma shall assess project completion and refund eligibility based on documented deliverables and resource allocation.

B. Dedicated Hiring / Resource Engagement - A full refund may be granted if Appigma fails to initiate the engagement due to unavailability of personnel. - A partial refund may be considered if the Client cancels prior to completion. - No refunds shall apply for days or hours already worked, or services rendered. - The Client must promptly notify Appigma's Project Manager of any dissatisfaction to permit corrective measures. Retroactive claims shall not be entertained.

6. Delivery Obligations

Appigma shall use reasonable commercial efforts to deliver projects in accordance with mutually agreed timelines. Delays caused by client inaction, incomplete information, or change in project scope shall not constitute a breach by Appigma. Unless a separate written agreement includes a penalty clause, no compensation shall be payable for delays attributable to factors beyond Appigma's control.

7. Limitation of Liability

To the fullest extent permitted by law, Appigma's aggregate liability, whether in contract, tort, or otherwise, shall be limited to the portion of fees actually paid and attributable to the uncompleted portion of the Services. Under no circumstance shall Appigma be liable for any consequential, incidental, indirect, punitive, or special damages, including without limitation loss of data, business interruption, or loss of profits. For the avoidance of doubt, a refund—if any—is the Client's sole and exclusive remedy for claims arising under these Terms.

8. Refund Processing

Once approved, refunds shall be issued within five (5) business days. Refunds will be returned through the original method of payment unless otherwise agreed in writing.

9. Dispute Resolution and No-Chargeback Policy

Appigma and the Client agree that all disputes, claims, or controversies arising from or related to the Services shall be resolved exclusively through the following process: 1. Good-Faith Negotiation: Both parties will first attempt to resolve disputes through direct, documented communication. 2. Mediation: If a resolution cannot be achieved, the parties shall participate in mediation administered by a neutral third party. 3. Arbitration: Should mediation fail, the matter shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA). The decision rendered by the arbitrator shall be final and enforceable in any court of competent jurisdiction.

Chargebacks are strictly prohibited. By engaging Appigma, the Client irrevocably waives the right to initiate or request a chargeback for any payment related to the Services. Refunds, if any, shall only be determined through mutual agreement, mediation, or arbitration as set forth above.

10. Amendments and Modifications

Appigma reserves the right to modify or amend these Terms at any time. Updated Terms shall become effective upon publication to https://www.appigma.com. Continued use of Appigma's Services constitutes acceptance of any revisions.

11. Contact Information

Appigma LLC Email: hello@appigma.com Website: https://www.appigma.com

IN WITNESS WHEREOF, by engaging Appigma's Services, the Client acknowledges and agrees to the foregoing Terms of Use.