Terms & Conditions for website financing and Frequently Asked Questions can be found below!nnnnnnnnnnnnm

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We have in-house website financing. We finance websites and SEO services for projects starting at $1500 or higher.

Although we may finance some projects, our terms and conditions are strict with specific limitations of usage of the website during the financing period. We review every request on a case by case basis. We do not require a credit check, we do not require collateral other than the website itself. All money applied towards a financing agreement is non-refundable so please read and be sure you understand our terms and conditions of the payment plan. We are willing to help, but we also have to protect ourselves as well.

Once the terms of the financing have been completed the website then becomes the exclusive property of you the owner.

Terms & Conditions Of Financing

1. All financing requires a written agreement
2. We DO NOT CHARGE INTEREST.. All Financing is interest free.
3. We only finance projects of $1500 dollars or more.
4. 189, 299, 499 & 599 packages do not qualify for financing unless they are a combination of services totaling a minimum of $1500 USD.
5. A minimum of $500 must be paid prior to the financing to become available and is NON REFUNDABLE.
6. Total Price Should Be A Minimum of $1500 with a Non Refundable Deposit of $500 and a minimum of $1000 financed for a period of no longer than 12 consecutive months. Balance may be paid early with no penalties.
7. All financed projects must be hosted with Discovery Towers Hosting Only. (Once the final payment is made, the client may transfer the hosting to any other hosting they wish)
8. All financed projects must utilize a domain name purchased by Discovery Towers and DT will retain ownership and management until the final payment is made. At that time, the domain name will be transferred to the person on the agreement form.
9. The Domain Name Server Address must be changed to our hosting company (This is not a transfer but merely pointing the domain name to correct hosting server to view the website)
10. The client will not have access to the backend Control Panel until the financing is successfully completed, then at that time they will be provided full access and control of their website and hosting.
11. Maximum term of financing is 12 consecutive months “No Exceptions” unless specifically authorized by the owner of Discovery Towers Multimedia.
12. All payments have a 7 day grace period and if a monthly payment is not made by then, the site will be suspended and the public will not have access to your website.
13. If the payment is not made within 14 days the site will be permanently deleted from the hosting account.
14. If you wish to re-setup your site after the 14 day period there will be a $45 setup fee however, the next payment will be based on the original agreement.
15. All payments must be setup through a PayPal subscription service so..
    the payment is auto deducted either from your credit card or paypal account.
16. If you decline to continue payments or walk away from the agreement, we reserve the right to retain full ownership of the website and may make the website available for resale to the public at our discretion.

A note from the owner! Please Read…

Although it is not our intention to be distrusting, we do have to take appropriate precautions. We are not in the business of funding every project out there and we reserve the right to refuse financing to anyone at anytime without cause or reason. If for any reason you do not agree with our terms and conditions for financing, it’s ok. You do not have to use our financing services. This is a service specifically targeted at those that are serious about building an effective website project but don’t have all the funds available for a 50% deposit and a 50% balance due on completion.

If we are going to share the risk of your business and extend financing for up to 12 months, we have to set in place limitations and restrictions. However, they will be completely removed once the final payment is made. We will do everything we can to help your business but we as prudent business people, have to be cautious, show due diligence and protect our equity investment as well.

We hope to hear from you soon and we wish you the best for 2010!

Rich S.
Owner

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Financing Q&A

1. What if I already have a domain name and want the website under that domain name?
   Unfortunately we won’t budge on this issue, but there is an amiable work around. Example: Your domain name is www.yourdomainname.com, the one that we will probably purchase will be something as close as possible to your existing domain name like www.your-domainname.com , see the dash in between the word your-domain.com? We will create the custom website, host it under the name of the your-domain.com so we have control over the project until fully paid for. However, WE CAN point your www.yourdomainname.com url to the www.your-domainname.com so everyone is happy. Remember, as soon as you make your final payment, we will officially transfer the www.your-domainname.com into your possession as well as give you complete access to your website cpanel etc. We will no longer have any further control over your site, hosting or domain name.
   
2. Do you really have to have such tight controls, I’ve never heard of this before?
   Unfortunately the answer is yes, put yourself in our shoes. We are literally building and funding your site for as long as the financing term is. If you for any unfortunate, unexpected reason have to walk away, we are left holding the bag and just like you, we want to be paid for our products and services. Again, remember this is only temporary. It is not in our interest to make things difficult for you at all.
   
3. Does Discovery Towers get any other perks during the financing period?
   No, we do not ask for a percentage of your sales, we are not interested in being a partner nor receive commissions or any portion of your business.
   
4. How do I know if I qualify?
   Financing a website is not easily done by any bank, credit union or private lending agency and if it is, you will certainly have to jump through a lot of hoops, qualify with a credit report and pay a high interest rate and in addition may have to have some sort of collateral. With Discovery Towers, we don’t charge an interest rate, it’s interest free! We don’t require a credit report! We do require your website as collateral though as that is the only recourse we have in case of default. So qualifying is based on an individual basis.
   
5. Can I pay off my financing early?
   Yes you can pay off the financing early with no penalties or additional fees. We would like that as well. The sooner you take full control over your own website the better we like it.
   
6. Can I make my own website changes while I’m in my financing period?
   Actually, you can make as many changes that you wish based on our normal update services, however, you simply need to access our update page on our website and submit your update requests into our work flow system and the updates should be done within a day or two on the average. But if you are asking if you can access the cpanel web editor, not until your financing is finished.
   
7. What If I want to discontinue my online business, am I still on the hook for the financing?
   Legally, this is a binding agreement and yes you are still on the hook or are responsible for the full financing amount whether you choose to bail or not. It is up to our discretion to pursue you legally or not. The owner is an ex-lending officer for a US Bank and will determine on a case by case basis whether to pursue this in civilian court or not. Again! it’s not our intention to make life difficult. The owner uses a common sense approach and if you
   run into financial difficulties, simply step up to the plate and discuss it directly with him. You may be pleasantly surprised at the outcome.

   Last year we only had one client walk away from his online business. He was dedicated, made payments on time and was always upfront with his intentions. Unfortunately, the economy hit his vendors pretty hard and he was unable to acquire products at the same low price from other vendors which simply priced him out of his market. We released him of his financial obligation and was able to resell the “High Ranking” website to another
   new client already in the same industry. In addition he was able to recoup about 50% of his “Paid” fee back from the sale of the website. So It really helps to be in good standing with us as we can help on many different levels.