Payment Policy
Clear, transparent payment terms for all consulting engagements.
This Payment Policy outlines all payment terms, methods, and procedures for services provided by Harry Kohlmann. By engaging our services, you agree to these terms.
1. General Payment Terms
1.1 Currency: All fees are quoted and processed in United States Dollars (USD) unless otherwise specified in a written agreement.
1.2 Payment Processor: All payments are securely processed through Stripe, Inc., a PCI-compliant payment processor. By making a payment, you agree to Stripe's Terms of Service and Privacy Policy.
1.3 Invoice Terms: Invoices are due upon receipt unless otherwise specified. For custom projects over $500, a 50% deposit may be required before work begins.
1.4 Late Payments: Invoices not paid within 14 days of the due date may be subject to a late fee of 1.5% per month (18% annually) or the maximum allowed by law, whichever is lower.
1.5 Disputed Charges: If you dispute a charge, please contact us at info@harrykohlmann.com within 7 days of the charge date. Unresolved disputes may result in service suspension.
2. Accepted Payment Methods
Primary Methods
- 💳
Credit/Debit Cards
Visa, MasterCard, American Express
- 🏦
Bank Transfers (SEPA)
For EU clients, available upon request
Important Notes
- ✓All payments are processed in real-time
- ✓Receipts are automatically emailed after payment
- ⚠We do not accept cash, checks, or cryptocurrency
3. Pricing Models
Project-Based
- Fixed price for defined scope
- 50% deposit, 50% on completion
- Clear deliverables & timeline
Best for: Specific implementation projects
Monthly Retainer
- Fixed monthly fee
- Billed automatically on 1st of month
- 30-day notice for cancellation
Best for: Ongoing strategic partnership
Hourly Consulting
- Pay-as-you-go
- Billed in 15-minute increments
- Invoiced weekly or monthly
Best for: Specific advice sessions
4. Tax Information
German Tax Regulations
VAT Status: As a sole proprietor (Einzelunternehmer) operating under the German small business regulation (§19 UStG), I do not charge Value Added Tax (VAT) on services until annual turnover exceeds €22,000.
Invoice Requirements: All invoices include:
- Business name and address (Habenhauser Landstr 63, 28277 Bremen)
- Invoice number and date
- Clear description of services
- Tax ID statement: "Kleinunternehmer nach §19 UStG"
International Clients: Clients outside Germany are responsible for any taxes, duties, or fees applicable in their jurisdiction.
5. Refund & Cancellation Policy
Consulting Sessions
Scheduled one-on-one sessions must be cancelled or rescheduled at least 24 hours in advance. Sessions cancelled with less than 24 hours notice may be charged at 50% of the session rate.
Refund Eligibility
| Service Type | Refund Policy | Timeframe |
|---|---|---|
| Consulting Sessions | Non-refundable once service has commenced | N/A |
| Pre-purchased Hours | Refundable if no work has begun | Within 14 days |
| Project Deposits | Non-refundable once planning begins | Case-by-case |
| Monthly Retainers | Current month non-refundable | 30-day notice required |
6. Payment Security & Privacy
6.1 Data Security: We never store your payment information. All payment data is handled securely by Stripe, which is PCI DSS Level 1 certified (the highest level of certification in the payments industry).
6.2 Privacy: We collect only necessary payment information and protect it according to our Privacy Policy and GDPR regulations.
6.3 Fraud Prevention: We reserve the right to refuse or cancel any transaction that appears fraudulent or violates our terms.
Payment Questions?
Contact us for clarification on any payment-related matters.