Billing Policy

Effective Date: February 23, 2026

This Billing Policy outlines the payment terms, refund policy, and billing practices for services provided by Garner ATM LLC, doing business as Otto ("Otto," "we," "us," or "our"). By engaging our services and making payment, you agree to be bound by this policy.

1. Payment Terms

Our standard engagement terms are as follows:

• Payment Required Before Services Begin: No services will commence until payment is received in full. This includes onboarding, strategy sessions, list building, infrastructure setup, and campaign execution.
• Payment Methods: We accept payment via credit card, ACH transfer, wire transfer, or other methods as agreed upon in your service agreement.
• Invoice Terms: Unless otherwise specified in your service agreement, all invoices are due upon receipt.
• Late Payments: Payments not received within 5 business days of the due date may incur late fees and result in suspension of services.

2. Refund Policy

All payments are non-refundable once services have commenced.

By making a payment, you acknowledge and agree that:

• You have reviewed and agreed to the scope of services outlined in your service agreement
• You understand that our services involve significant upfront work including strategy development, infrastructure setup, domain acquisition, inbox creation, and other resources that cannot be reclaimed
• You authorize the payment being made and confirm it is not fraudulent
• You have the authority to make this payment on behalf of yourself or your organization

Limited Exception for Non-Performance

The only exception to our no-refund policy is as follows: If Otto fails to begin onboarding or deliver any initial deliverables within fourteen (14) calendar days after payment is received, you may terminate the agreement and receive a prorated refund for any unperformed portion of services. This exception does not apply once onboarding has begun or any deliverables have been provided.

3. Chargeback Policy

Initiating a chargeback or payment dispute after services have been rendered or commenced is prohibited and constitutes a material breach of your agreement with Otto.

By engaging our services and making payment, you expressly agree that:

• Authorization: You have authorized all payments made to Otto and confirm that you are the rightful cardholder or authorized representative
• No Disputes: You will not dispute, initiate chargebacks, or file complaints with your payment provider, credit card company, or bank for services that have been delivered or are in progress
• Resolution First: You agree to contact Otto directly at hello@ottoresults.com to resolve any billing concerns before taking any action with your payment provider

Consequences of Chargebacks

If a chargeback or payment dispute is initiated in violation of this policy:

• All services will be suspended immediately without notice
• We will provide evidence to the payment processor demonstrating the validity of the charge, including signed agreements, proof of service delivery, and communication records
• You will be liable for the disputed amount plus any chargeback fees, administrative costs, and collection costs incurred by Otto
• We reserve the right to pursue legal action to recover all amounts owed, including reasonable attorney's fees
• Any assets, infrastructure, or deliverables created during the engagement may be withheld until the dispute is resolved

Fraudulent Chargebacks

Initiating a chargeback for services that were properly delivered, while in possession of deliverables, or after receiving the benefits of our services, may constitute fraud. We maintain detailed records of all agreements, communications, deliverables, and service delivery, and will pursue all available legal remedies against fraudulent chargebacks.

4. Termination and Outstanding Balances

Upon termination of services for any reason:

• All outstanding payments become immediately due and payable
• No refunds will be issued for services already rendered or for the remainder of any prepaid engagement period
• Access to deliverables and infrastructure may be withheld until all outstanding balances are paid in full

5. Billing Disputes

If you believe there is an error in your billing:

• Contact us immediately at hello@ottoresults.com or (480) 529-6106
• Provide specific details about the charge in question
• We will investigate and respond within 5 business days
• We are committed to resolving legitimate billing errors promptly and fairly

We strongly encourage direct communication to resolve any billing concerns. Our goal is to maintain positive relationships with our clients and address any issues promptly.

6. Governing Law

This Billing Policy shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Contact Us

If you have questions about this Billing Policy, please contact us at:

Garner ATM LLC (dba Otto)
1633 Linwood St
San Diego, CA 92103
Phone: (480) 529-6106
Email: hello@ottoresults.com