Payment & Stored-Payment Authorization Policy

1. Scope & Purpose

This policy explains how we collect credit-card payments, store card data, and process automatic charges, fully compliant with New York law.

2. Accepted Payment Methods

You may submit your credit-card information via:

• Our online account-application form
• A signed proposal/quote
• Our secure payment portal on Demar’s website

All card data is vaulted through a PCI-compliant processor.

3. Service Fees & Billing Rules

• Initial Service Fee:
  • $270.00 + tax, charged automatically upon scheduling your first service appointment.
  • Credited in full toward your invoice for that visit.
• Subsequent Services (Time & Materials):
  • Plumbing Repairs: $270/hr + tax & materials
  • Boiler / HVAC / Technical Repairs: $360/hr + tax & materials
• Demar does not pro-rate. We bill in full-hour increments, rounding up to the next hour.
• Billed time includes travel time to your location.

4. Overtime & Holiday Rates

• After-Hours (before 8 AM or after 4:30 PM): 1.5× standard rate
• Sundays & Holidays: 2× standard rate
• Emergency Calls During Business Hours (8:00am – 4:30pm)
  • First hour billed at the emergency rate (1.5x standard)
  • Remaining time billed at the regular business rate
• Emergency Calls Outside Business Hours or on Holidays: Billed at the applicable overtime or holiday rate

5. Credit Card on File & Automatic Charges

By providing your card, you authorize Demar to:

1. Charge approved progress invoices and/or final payment invoice for any work under a signed quote.
2. Charge remaining balances for T&M service jobs within 5 business days of your final service appointment.
3. Charge past-due balances in full if any invoice remains unpaid 30 days after issuance.

You will receive an email notifying you of each scheduled charge—and you may revoke this authorization at any time (see §6).

6. Cancellation & Opt-Out

To stop future automatic charges, simply notify us in writing or by email at accountsreceivable@demarnyc.com or call 212-614-9717—any time before the scheduled charge date. Revocation applies only to future charges.

7. Interest & Collection Costs

• Late Payment Interest: Past-due balances accrue interest at 16% APR (1⅓% per month).
• Collection Expenses: You agree to reimburse Demar for reasonable collection costs, including but not limited to attorney fees, incurred to enforce payment.

8. Account Suspension

Account balances past due may be temporarily suspended and future service appointments canceled, until payment is received in full.

9. Invoice Content

Every invoice will show:

• Invoice #
• Date(s) of Service
• Detailed Billing Description
• Total Amount Due
• Amount Paid (if any)

10. Dispute Rights

You retain all rights under federal and state law to dispute unauthorized or incorrect charges (e.g., Regulation E and Regulation Z protections). This policy does not waive or limit those rights.

11. Customer Responsibilities

• Maintain current card and contact information.
• Notify us of any changes as soon as possible—and at the least when you receive notice of a scheduled charge.
• Ensure sufficient funds or credit are available on your card for any upcoming charges.

12. Amendments

Demar may update this policy at any time. Changes take effect for transactions processed after the revised policy is posted on our website.

13. Contact Information

For questions or to revoke automatic-charge authorization, contact:
Demar
147 Attorney Street, New York, NY 10002
Phone: 212-614-9717