Payment Policies

These Payment Policies apply to all services provided by Zinam Consulting Inc., operating as Buzzmax.ca (“Buzzmax”), including AI Answering Service, Business Phone / Hosted PBX / Cloud PBX, Call Centre Solutions, Internet Service, and any other service we offer (collectively, the “Services”). These policies form part of, and are incorporated into, our Terms of Service. For billing questions, contact us at sales@buzzmax.ca.

1. Billing Cycle

Services are billed monthly in advance, on the plan and pricing selected at the time of your order, unless your service order specifies a different billing arrangement. Your billing date is generally linked to the date your Service was activated. All rates are exclusive of applicable taxes (including HST) unless stated otherwise, and are subject to change for future billing periods on reasonable notice as described in our Terms of Service.

2. Method of Payment

Depending on the Service and plan, payment may be made by:

• credit card (Visa, Mastercard, or Visa Debit); or
• pre-authorized debit from a chequing or savings account.

By providing payment information, you authorize Buzzmax to charge or debit the applicable fees on each billing date until your Service is cancelled in accordance with Section 5.

3. Refunds

Payments are generally final and non-refundable, except where a payment was charged in error, in which case Buzzmax will investigate and apply a correction or refund where appropriate. We do not prorate or refund fees for a partial billing period following a mid-cycle cancellation, unless required by applicable law or expressly stated in your service order.

4. Late or Declined Payment

If a scheduled payment is declined, we will attempt to notify you by email or phone. If payment in full is not received within a reasonable period after notice (generally 3 to 5 business days, depending on the Service), your Service may be suspended until payment is received. Buzzmax may, at its discretion, offer a short courtesy extension on request. Overdue amounts may be referred to a third-party collection agency, and Buzzmax may terminate the Service in accordance with our Terms of Service if payment remains outstanding.

5. Cancellation and Disconnection

You may cancel a Service at any time by contacting Buzzmax at sales@buzzmax.ca, subject to any minimum term or notice period stated in your service order. Buzzmax may disconnect a Service where:

• payment has not been made by the due date; or
• you have agreed to a payment arrangement with Buzzmax and failed to comply with its terms.

If Buzzmax disconnects a Service in error, the Service will be restored without any reconnection charge. Where practical, disconnection notices will include the reason for disconnection, any amount owing, the scheduled disconnection date, and how to contact us to resolve the issue. Buzzmax reserves the right to disconnect a Service without further notice where the account has been significantly overdue or where required for security or legal reasons.

6. Hardware and Equipment

Most Buzzmax Services, including AI Answering Service, Business Phone, and Call Centre Solutions, do not require dedicated hardware. Where you choose to use optional hardware (for example, an IP desk phone) or where a Service such as Internet Service requires equipment (such as a modem or router), any associated purchase, shipping, or installation fees will be disclosed in your service order before you are charged. Equipment provided by Buzzmax remains Buzzmax’s property unless your service order states that you are purchasing it, and a reasonable replacement fee may apply if Buzzmax-owned equipment is lost or damaged through misuse.

7. Changes to These Policies

We may update these Payment Policies from time to time by posting a revised version on our website with an updated “last updated” date.