By accessing and using the services of Noctivo Creative Marketing Agency ("Noctivo", "we", "our", or "us"), you agree to be bound by these Terms and Conditions. All content, designs, strategies, and deliverables created by Noctivo remain the intellectual property of the agency unless otherwise agreed in writing. Clients are responsible for providing accurate information, timely feedback, approvals, and all necessary materials required to complete the project. Payment terms are typically 50% upfront and 50% upon project completion unless otherwise stated in the service agreement. Late payments may incur a fee of 5% per month, and Noctivo reserves the right to pause work until payment is received. All payments are non-refundable once work has commenced, as time, strategy, and creative resources are allocated immediately. In rare cases where a refund is issued, it is solely at Noctivo's discretion and will reflect the portion of work not yet completed. Revisions beyond the scope of the original agreement may be subject to additional charges and extended timelines. While Noctivo strives for exceptional results, we do not guarantee specific outcomes from marketing campaigns or business performance and are not liable for indirect or consequential damages. These terms are governed by the laws of the State of Illinois and may be updated at any time without prior notice. Continued use of our services indicates your acceptance of these terms. For questions, please contact us at peyton.michelle.rack@gmail.com.