{% extends 'rental_app/base_rental.html' %}
{% load static %}

{% block title %}Refund & Payment Policy | Rent in Sri Lanka{% endblock %}

{% block content %}

<style>
    /* =========================================================
       RENT IN SRI LANKA - REFUND & PAYMENT POLICY PAGE
    ========================================================= */

    .rental-payment-hero {
        position: relative;
        min-height: 540px;
        display: flex;
        align-items: center;
        overflow: hidden;
        background-color: #0d1b2a;
    }

    .rental-payment-hero-bg {
        position: absolute;
        inset: 0;
        background:
            linear-gradient(
                90deg,
                rgba(8, 20, 32, 0.95) 0%,
                rgba(8, 20, 32, 0.87) 45%,
                rgba(8, 20, 32, 0.72) 100%
            ),
            url("{% static 'expat_life/images/rental_hero.webp' %}") center center / cover no-repeat;
        transform: scale(1.03);
        z-index: 0;
    }

    .rental-payment-hero::after {
        content: "";
        position: absolute;
        inset: 0;
        background:
            radial-gradient(circle at 20% 40%, rgba(255, 193, 7, 0.18), transparent 35%),
            radial-gradient(circle at 80% 65%, rgba(13, 110, 253, 0.18), transparent 38%);
        z-index: 1;
    }

    .rental-payment-hero-content {
        position: relative;
        z-index: 2;
        padding-top: 90px;
        padding-bottom: 90px;
    }

    .rental-payment-badge {
        display: inline-block;
        background: rgba(255, 193, 7, 0.18);
        color: #ffc107;
        border: 1px solid rgba(255, 193, 7, 0.38);
        padding: 8px 16px;
        border-radius: 50px;
        font-weight: 700;
        font-size: 0.85rem;
        letter-spacing: 0.04em;
        text-transform: uppercase;
        backdrop-filter: blur(10px);
    }

    .rental-payment-hero h1 {
        color: #fff;
    }

    .rental-payment-hero p {
        color: rgba(255, 255, 255, 0.88);
    }

    .payment-intro-card {
        background: #fff;
        border-radius: 28px;
        padding: 34px;
        box-shadow: 0 18px 45px rgba(15, 23, 42, 0.08);
        border: 1px solid rgba(15, 23, 42, 0.06);
    }

    .payment-highlight-card {
        height: 100%;
        border-radius: 28px;
        padding: 32px;
        color: #fff;
        background: linear-gradient(135deg, #0d1b2a 0%, #0d6efd 100%);
        box-shadow: 0 22px 45px rgba(13, 27, 42, 0.20);
    }

    .payment-highlight-card i {
        color: #ffc107;
        font-size: 2rem;
    }

    .payment-toc-card {
        background: #0d1b2a;
        color: #fff;
        border-radius: 28px;
        padding: 30px;
        position: sticky;
        top: 110px;
        box-shadow: 0 18px 45px rgba(15, 23, 42, 0.18);
    }

    .payment-toc-card h5 {
        color: #ffc107;
    }

    .payment-toc-card a {
        display: block;
        color: rgba(255, 255, 255, 0.88);
        text-decoration: none;
        padding: 8px 0;
        border-bottom: 1px solid rgba(255, 255, 255, 0.12);
        transition: 0.2s ease;
    }

    .payment-toc-card a:last-child {
        border-bottom: 0;
    }

    .payment-toc-card a:hover {
        color: #ffc107;
        padding-left: 5px;
    }

    .payment-section-card {
        background: #fff;
        border-radius: 26px;
        padding: 34px;
        box-shadow: 0 16px 40px rgba(15, 23, 42, 0.07);
        border: 1px solid rgba(15, 23, 42, 0.05);
        margin-bottom: 26px;
    }

    .payment-section-card h2 {
        font-weight: 800;
        color: #0d1b2a;
        margin-bottom: 18px;
        font-size: 1.55rem;
    }

    .payment-section-card h3 {
        font-weight: 700;
        color: #111827;
        font-size: 1.15rem;
        margin-top: 22px;
        margin-bottom: 12px;
    }

    .payment-section-card p,
    .payment-section-card li {
        color: #475569;
        line-height: 1.8;
    }

    .payment-section-card ul,
    .payment-section-card ol {
        padding-left: 1.2rem;
    }

    .payment-section-card li {
        margin-bottom: 10px;
    }

    .payment-number {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        width: 42px;
        height: 42px;
        border-radius: 14px;
        background: #eaf3ff;
        color: #0d6efd;
        font-weight: 800;
        margin-right: 12px;
        flex-shrink: 0;
    }

    .payment-title-row {
        display: flex;
        align-items: center;
        margin-bottom: 18px;
    }

    .payment-note-box {
        border-radius: 20px;
        padding: 20px;
        background: #fff7df;
        border-left: 5px solid #ffc107;
        margin-top: 20px;
        color: #334155;
    }

    .payment-blue-box {
        border-radius: 20px;
        padding: 20px;
        background: #eef5ff;
        border-left: 5px solid #0d6efd;
        margin-top: 20px;
        color: #334155;
    }

    .payment-green-box {
        border-radius: 20px;
        padding: 20px;
        background: #ecfdf5;
        border-left: 5px solid #198754;
        margin-top: 20px;
        color: #334155;
    }

    .payment-danger-box {
        border-radius: 20px;
        padding: 20px;
        background: #fff1f2;
        border-left: 5px solid #dc3545;
        margin-top: 20px;
        color: #334155;
    }

    .payment-grid-box {
        background: #f8fafc;
        border-radius: 22px;
        padding: 22px;
        border: 1px solid rgba(15, 23, 42, 0.06);
        margin-top: 20px;
    }

    .payment-mini-card {
        height: 100%;
        background: #fff;
        border-radius: 18px;
        padding: 20px;
        box-shadow: 0 8px 20px rgba(15, 23, 42, 0.05);
    }

    .payment-mini-card i {
        display: inline-block;
        font-size: 1.4rem;
        color: #0d6efd;
        margin-bottom: 10px;
    }

    .payment-final-cta {
        border-radius: 32px;
        padding: 58px 36px;
        background:
            linear-gradient(
                135deg,
                rgba(13, 27, 42, 0.97) 0%,
                rgba(13, 110, 253, 0.93) 100%
            );
        box-shadow: 0 30px 65px rgba(13, 27, 42, 0.20);
    }

    @media (max-width: 991px) {
        .rental-payment-hero {
            min-height: auto;
        }

        .rental-payment-hero-content {
            padding-top: 70px;
            padding-bottom: 70px;
        }

        .payment-toc-card {
            position: static;
            margin-bottom: 30px;
        }
    }

    @media (max-width: 767px) {
        .payment-intro-card,
        .payment-highlight-card,
        .payment-toc-card,
        .payment-section-card {
            padding: 24px;
        }

        .payment-final-cta {
            padding: 42px 22px;
        }

        .payment-title-row {
            align-items: flex-start;
        }
    }
</style>


<!-- =========================================================
     HERO
========================================================= -->
<section class="rental-payment-hero">
    <div class="rental-payment-hero-bg"></div>

    <div class="container rental-payment-hero-content">
        <div class="row">
            <div class="col-lg-9">
                <span class="rental-payment-badge mb-3">
                    Rent in Sri Lanka | Payments, Refunds &amp; Settlements
                </span>

                <h1 class="display-5 fw-bold mb-3">
                    Refund &amp; Payment Policy
                </h1>

                <p class="lead mb-0">
                    This Policy explains how payments, service charges, featured profile fees,
                    guest security deposits, monthly rental transactions, owner payouts, refund reviews,
                    and rental settlement matters are handled within the Rent in Sri Lanka rental portal.
                </p>
            </div>
        </div>
    </div>
</section>


<!-- =========================================================
     INTRO
========================================================= -->
<section class="py-5 bg-light">
    <div class="container">
        <div class="row g-4 align-items-stretch">

            <div class="col-lg-8">
                <div class="payment-intro-card h-100">
                    <span class="section-mini-title">Payment Framework</span>
                    <h2 class="fw-bold mb-3">
                        A Transparent Process for Property Owners, Guests, and Ensolanka
                    </h2>

                    <p class="text-muted">
                        Rent in Sri Lanka is designed as a guided rental coordination system, not merely a classified listing site.
                        As a result, certain payments may be collected, reviewed, recorded, allocated, refunded,
                        transferred, or settled through Ensolanka’s operational process.
                    </p>

                    <p class="text-muted mb-0">
                        This Policy should be read together with the Terms &amp; Conditions, Privacy Policy,
                        Cookie Policy, any payment instructions displayed in the Payment Center,
                        and any specific rental agreement or transaction record related to a property.
                    </p>
                </div>
            </div>

            <div class="col-lg-4">
                <div class="payment-highlight-card">
                    <i class="bi bi-credit-card-2-front-fill d-block mb-3"></i>

                    <h4 class="fw-bold mb-3">
                        Core Payment Principle
                    </h4>

                    <p class="mb-0">
                        Payments are handled according to the stage of the rental journey.
                        Some payments purchase immediate platform benefits, while others remain subject
                        to verification, settlement, agreement terms, or refund review.
                    </p>
                </div>
            </div>

        </div>
    </div>
</section>


<!-- =========================================================
     MAIN POLICY CONTENT
========================================================= -->
<section class="py-5 bg-white">
    <div class="container">
        <div class="row g-5">

            <!-- TABLE OF CONTENTS -->
            <div class="col-lg-4">
                <div class="payment-toc-card">
                    <h5 class="fw-bold mb-3">Policy Overview</h5>

                    <a href="#payment-1">1. Scope of This Policy</a>
                    <a href="#payment-2">2. Accepted Payment Categories</a>
                    <a href="#payment-3">3. Free Signup and Free Listings</a>
                    <a href="#payment-4">4. Featured Owner Profile Fee</a>
                    <a href="#payment-5">5. Guest Security Deposit</a>
                    <a href="#payment-6">6. Monthly Rental Payments</a>
                    <a href="#payment-7">7. Owner Payouts</a>
                    <a href="#payment-8">8. Ensolanka Service Charge</a>
                    <a href="#payment-9">9. Legal and Government Charges</a>
                    <a href="#payment-10">10. Refundable and Non-Refundable Payments</a>
                    <a href="#payment-11">11. Duplicate, Failed, or Mistaken Payments</a>
                    <a href="#payment-12">12. Unauthorized Payments and Chargebacks</a>
                    <a href="#payment-13">13. Rental Cancellation and Pre-Finalization</a>
                    <a href="#payment-14">14. Deposit Settlement at Rental Closure</a>
                    <a href="#payment-15">15. Furniture Package Payments</a>
                    <a href="#payment-16">16. Refund Request Process</a>
                    <a href="#payment-17">17. Processing Time and Method</a>
                    <a href="#payment-18">18. Payment Disputes</a>
                    <a href="#payment-19">19. Changes to This Policy</a>
                    <a href="#payment-20">20. Contact Us</a>
                </div>
            </div>


            <!-- POLICY SECTIONS -->
            <div class="col-lg-8">

                <!-- 1 -->
                <div class="payment-section-card" id="payment-1">
                    <div class="payment-title-row">
                        <span class="payment-number">01</span>
                        <h2 class="mb-0">Scope of This Refund &amp; Payment Policy</h2>
                    </div>

                    <p>
                        This Policy applies to payment and refund matters connected with the Rent in Sri Lanka rental portal,
                        including but not limited to:
                    </p>

                    <ul>
                        <li>Featured Rental Owner Profile fees;</li>
                        <li>Rental Owner payment center transactions;</li>
                        <li>Guest-paid rental security deposits connected with a selected property;</li>
                        <li>Monthly rental collections and Rental Owner payouts;</li>
                        <li>Ensolanka service charge deductions;</li>
                        <li>Agreement-related legal or government charges where applicable;</li>
                        <li>Refund reviews, duplicate payments, failed transactions, mistaken payments, and settlement matters.</li>
                    </ul>
                </div>


                <!-- 2 -->
                <div class="payment-section-card" id="payment-2">
                    <div class="payment-title-row">
                        <span class="payment-number">02</span>
                        <h2 class="mb-0">Accepted Payment Categories</h2>
                    </div>

                    <p>
                        Depending on the user role and transaction stage, the platform may display one or more payment items
                        through the Payment Center or related checkout flow.
                    </p>

                    <div class="payment-grid-box">
                        <div class="row g-3">

                            <div class="col-md-6">
                                <div class="payment-mini-card">
                                    <i class="bi bi-stars"></i>
                                    <h6 class="fw-bold">Featured Owner Profile Fee</h6>
                                    <p class="small text-muted mb-0">
                                        Optional payment to improve owner-profile and listing visibility.
                                    </p>
                                </div>
                            </div>

                            <div class="col-md-6">
                                <div class="payment-mini-card">
                                    <i class="bi bi-shield-lock-fill"></i>
                                    <h6 class="fw-bold">Rental Security Deposit</h6>
                                    <p class="small text-muted mb-0">
                                        Guest-paid refundable deposit linked to an agreed property arrangement.
                                    </p>
                                </div>
                            </div>

                            <div class="col-md-6">
                                <div class="payment-mini-card">
                                    <i class="bi bi-house-check-fill"></i>
                                    <h6 class="fw-bold">Monthly Rental Payment</h6>
                                    <p class="small text-muted mb-0">
                                        Guest-paid monthly rental collected through Ensolanka’s payment process.
                                    </p>
                                </div>
                            </div>

                            <div class="col-md-6">
                                <div class="payment-mini-card">
                                    <i class="bi bi-file-earmark-text-fill"></i>
                                    <h6 class="fw-bold">Transaction-Related Charges</h6>
                                    <p class="small text-muted mb-0">
                                        Legal, document, government, or other arrangement-specific charges where applicable.
                                    </p>
                                </div>
                            </div>

                        </div>
                    </div>
                </div>


                <!-- 3 -->
                <div class="payment-section-card" id="payment-3">
                    <div class="payment-title-row">
                        <span class="payment-number">03</span>
                        <h2 class="mb-0">Free Signup and Free Property Listings</h2>
                    </div>

                    <p>
                        Creating a Rental Owner account and submitting property listings are free of charge,
                        subject to platform approval, listing permission, and compliance with the portal’s Terms &amp; Conditions.
                    </p>

                    <p>
                        Since signup and basic listing submission are free, there is no refund issue for those basic access features.
                    </p>
                </div>


                <!-- 4 -->
                <div class="payment-section-card" id="payment-4">
                    <div class="payment-title-row">
                        <span class="payment-number">04</span>
                        <h2 class="mb-0">Featured Rental Owner Profile Fee</h2>
                    </div>

                    <p>
                        Rental Owners may choose to pay the applicable Featured Rental Owner Profile fee,
                        currently presented as <strong>USD 5</strong>, to receive enhanced visibility benefits.
                    </p>

                    <p>
                        Featured status may include:
                    </p>

                    <ul>
                        <li>Priority visibility for the Rental Owner profile;</li>
                        <li>Higher display emphasis for that owner’s linked property listings;</li>
                        <li>Highlighted or prioritized placement within relevant listing views;</li>
                        <li>Other reasonable promotional presentation benefits determined by Ensolanka.</li>
                    </ul>

                    <div class="payment-note-box">
                        <strong>Featured status is a visibility benefit, not a rental guarantee.</strong>
                        Payment of the featured fee does not guarantee inquiries, tenant selection, occupancy,
                        income, or a completed rental agreement.
                    </div>

                    <h3>Refund position for Featured Profile Fees</h3>

                    <ul>
                        <li>Once Featured Profile status has been activated or visibility benefits have been applied, the fee is generally <strong>non-refundable</strong>.</li>
                        <li>If a duplicate payment, technical error, or payment taken without service activation is confirmed, Ensolanka may review the case for refund, reversal, wallet credit, or another appropriate correction.</li>
                        <li>Refund approval remains subject to transaction verification and platform records.</li>
                    </ul>
                </div>


                <!-- 5 -->
                <div class="payment-section-card" id="payment-5">
                    <div class="payment-title-row">
                        <span class="payment-number">05</span>
                        <h2 class="mb-0">Guest-Paid Three-Month Rental Security Deposit</h2>
                    </div>

                    <p>
                        After a Guest selects a property, completes the required review process,
                        and agrees to proceed with the rental arrangement, the Guest may be required to pay
                        a refundable security deposit equal to <strong>three months’ rent</strong>,
                        unless a different amount is agreed in writing.
                    </p>

                    <p>
                        The security deposit is collected through the Ensolanka Payment Center or another approved
                        payment method and is handled according to the rental process, the property-specific arrangement,
                        and applicable written agreement terms.
                    </p>

                    <div class="payment-blue-box">
                        <strong>Important:</strong> A security deposit is not treated in the same way as a simple cancellation refund.
                        It is a refundable rental protection amount, subject to final settlement for unpaid rent,
                        damage, loss, agreed charges, or other valid claims at the end of the rental arrangement.
                    </div>
                </div>


                <!-- 6 -->
                <div class="payment-section-card" id="payment-6">
                    <div class="payment-title-row">
                        <span class="payment-number">06</span>
                        <h2 class="mb-0">Monthly Rental Payments by the Guest</h2>
                    </div>

                    <p>
                        Once a rental arrangement has commenced, monthly rental payments may become due for the Guest
                        through Ensolanka’s Payment Center according to the rental cycle and payment schedule displayed
                        or otherwise communicated.
                    </p>

                    <p>
                        As currently designed for this rental process:
                    </p>

                    <ul>
                        <li>The monthly rental may be shown as due on or before the point at which twenty-five days have elapsed from the start of the relevant rental consumption period;</li>
                        <li>The Guest is expected to complete payment within the required monthly rental cycle;</li>
                        <li>Ensolanka then processes the corresponding Rental Owner payout subject to payment receipt, clearance, applicable service charges, and absence of unresolved disputes.</li>
                    </ul>
                </div>


                <!-- 7 -->
                <div class="payment-section-card" id="payment-7">
                    <div class="payment-title-row">
                        <span class="payment-number">07</span>
                        <h2 class="mb-0">Rental Owner Payouts</h2>
                    </div>

                    <p>
                        Where monthly rental payments are collected through Ensolanka’s approved payment process,
                        Ensolanka will arrange Rental Owner payouts according to the relevant payment cycle and transaction records.
                    </p>

                    <p>
                        Owner payouts may be processed:
                    </p>

                    <ul>
                        <li>After the Guest’s payment is successfully received and cleared;</li>
                        <li>After deduction of Ensolanka’s applicable service charge;</li>
                        <li>After accounting for agreed adjustments, if any;</li>
                        <li>Subject to submitted banking details being accurate and usable;</li>
                        <li>Subject to absence of unresolved chargebacks, compliance holds, or legitimate payment disputes.</li>
                    </ul>

                    <div class="payment-green-box">
                        Rental Owners should ensure that their banking details are correct and updated.
                        Incorrect bank information may delay or prevent payout processing.
                    </div>
                </div>


                <!-- 8 -->
                <div class="payment-section-card" id="payment-8">
                    <div class="payment-title-row">
                        <span class="payment-number">08</span>
                        <h2 class="mb-0">Ensolanka’s 10% Monthly Service Charge</h2>
                    </div>

                    <p>
                        Rental Owners agree that Ensolanka may deduct a service charge of
                        <strong>10% from each monthly rental amount</strong> handled through the platform,
                        unless another percentage is separately agreed in writing.
                    </p>

                    <p>
                        This service charge supports Ensolanka’s role in:
                    </p>

                    <ul>
                        <li>Platform operation and rental portal maintenance;</li>
                        <li>Guest-owner coordination;</li>
                        <li>Payment handling and process management;</li>
                        <li>Property selection support and verification workflow;</li>
                        <li>Rental communication and mediation;</li>
                        <li>Closing support, security deposit settlement, and dispute coordination.</li>
                    </ul>

                    <div class="payment-note-box">
                        <strong>Illustration:</strong> If the monthly rent is USD 300,
                        Ensolanka’s 10% service charge would be USD 30,
                        and the owner-side payout would be calculated from the balance,
                        subject to applicable transaction conditions.
                    </div>
                </div>


                <!-- 9 -->
                <div class="payment-section-card" id="payment-9">
                    <div class="payment-title-row">
                        <span class="payment-number">09</span>
                        <h2 class="mb-0">Legal, Documentation, and Government Charges</h2>
                    </div>

                    <p>
                        Where a rental arrangement requires legal documentation, agreement drafting,
                        stamp duties, government fees, registration costs, or similar transaction-related charges,
                        those charges may be allocated according to the specific agreement or payment notice issued for that rental.
                    </p>

                    <p>
                        Under the current operating understanding described for this portal:
                    </p>

                    <ul>
                        <li>The Rental Owner may be responsible for 50% of applicable legal or government agreement charges;</li>
                        <li>The Ensolanka/Guest side may bear or bill the remaining 50% to the Guest, as applicable;</li>
                        <li>The final allocation should be confirmed in writing for the specific rental arrangement.</li>
                    </ul>

                    <div class="payment-danger-box">
                        Charges already incurred for documentation, government processes, professional services,
                        or completed administrative work may be non-refundable unless Ensolanka expressly confirms otherwise.
                    </div>
                </div>


                <!-- 10 -->
                <div class="payment-section-card" id="payment-10">
                    <div class="payment-title-row">
                        <span class="payment-number">10</span>
                        <h2 class="mb-0">Refundable and Non-Refundable Payment Categories</h2>
                    </div>

                    <h3>Payments that may be refundable or reviewable</h3>

                    <ul>
                        <li>Confirmed duplicate payments;</li>
                        <li>Payments captured due to a verified technical issue;</li>
                        <li>Payments received for a service that was not activated or not delivered, where no benefit has been used;</li>
                        <li>Amounts approved for refund following internal review of a mistaken or unauthorized transaction;</li>
                        <li>Refundable balance of a Guest security deposit after final rental settlement.</li>
                    </ul>

                    <h3>Payments that are generally non-refundable</h3>

                    <ul>
                        <li>Featured Owner Profile fees after featured status or visibility benefits are activated;</li>
                        <li>Charges for completed administrative, documentation, legal, or processing work already performed;</li>
                        <li>Payment gateway, banking, exchange, or processor fees where those are not recoverable by Ensolanka;</li>
                        <li>Valid service charges already earned through completed platform handling or rental coordination;</li>
                        <li>Deposit amounts properly deducted for confirmed arrears, damage, loss, repair, cleaning, or other agreed settlement items.</li>
                    </ul>
                </div>


                <!-- 11 -->
                <div class="payment-section-card" id="payment-11">
                    <div class="payment-title-row">
                        <span class="payment-number">11</span>
                        <h2 class="mb-0">Duplicate, Failed, Mistaken, or Excess Payments</h2>
                    </div>

                    <p>
                        If a user believes they have:
                    </p>

                    <ul>
                        <li>Paid the same charge more than once;</li>
                        <li>Been charged despite receiving a failed checkout message;</li>
                        <li>Paid an incorrect amount;</li>
                        <li>Paid against the wrong payment item;</li>
                        <li>Experienced a technical or gateway error;</li>
                    </ul>

                    <p>
                        they should contact Ensolanka with the relevant payment evidence,
                        transaction reference, email address, payment date, and explanation of the issue.
                    </p>

                    <div class="payment-blue-box">
                        Ensolanka may verify the transaction against platform records, payment gateway records,
                        and bank confirmations before approving a refund, adjustment, reallocation, or wallet credit.
                    </div>
                </div>


                <!-- 12 -->
                <div class="payment-section-card" id="payment-12">
                    <div class="payment-title-row">
                        <span class="payment-number">12</span>
                        <h2 class="mb-0">Unauthorized Payments, Fraud Reports, and Chargebacks</h2>
                    </div>

                    <p>
                        If a user believes a payment was made without authorization,
                        they should notify Ensolanka promptly and, where relevant,
                        also contact their bank, card issuer, or payment provider.
                    </p>

                    <p>
                        Ensolanka may:
                    </p>

                    <ul>
                        <li>Request supporting information;</li>
                        <li>Temporarily pause service activation or payout;</li>
                        <li>Review transaction logs and account history;</li>
                        <li>Cooperate with reasonable bank, processor, or legal inquiries;</li>
                        <li>Restrict accounts where suspicious activity is identified.</li>
                    </ul>

                    <div class="payment-danger-box">
                        Fraudulent refund claims, dishonest chargebacks, or misuse of payment systems
                        may lead to account restriction, cancellation of benefits, withholding of pending benefits where lawful,
                        and any other appropriate platform or legal action.
                    </div>
                </div>


                <!-- 13 -->
                <div class="payment-section-card" id="payment-13">
                    <div class="payment-title-row">
                        <span class="payment-number">13</span>
                        <h2 class="mb-0">Rental Cancellation Before Finalization</h2>
                    </div>

                    <p>
                        Before a rental arrangement is fully finalized, a Guest may decide not to proceed with a selected property,
                        including after reviewing inspection feedback or after personally checking the property.
                    </p>

                    <p>
                        In such circumstances:
                    </p>

                    <ul>
                        <li>The Rental Owner is not guaranteed a completed transaction merely because the property was selected for verification;</li>
                        <li>Any Guest-side refund or reallocation will be handled according to the stage of payment, the amount already incurred, and applicable written terms;</li>
                        <li>If no final rental agreement exists and funds have not been irrevocably allocated or costs incurred, Ensolanka may review refund eligibility or property-change arrangements;</li>
                        <li>Where professional, legal, inspection, or administrative costs have already been incurred, those amounts may affect the refundable balance.</li>
                    </ul>
                </div>


                <!-- 14 -->
                <div class="payment-section-card" id="payment-14">
                    <div class="payment-title-row">
                        <span class="payment-number">14</span>
                        <h2 class="mb-0">Security Deposit Settlement When the Rental Ends</h2>
                    </div>

                    <p>
                        When the Guest wishes to close the rental arrangement, Ensolanka will notify the Rental Owner
                        and begin the closing and settlement process.
                    </p>

                    <p>
                        The refundable security deposit may be reviewed against:
                    </p>

                    <ul>
                        <li>Outstanding rent or approved arrears;</li>
                        <li>Utility bills or other agreed unpaid charges;</li>
                        <li>Property damage beyond normal fair wear and tear;</li>
                        <li>Loss of agreed inventory or items;</li>
                        <li>Repair or cleaning costs reasonably assessed and agreed through the settlement process;</li>
                        <li>Any other amount properly provided for under the rental arrangement.</li>
                    </ul>

                    <div class="payment-green-box">
                        Ensolanka acts as mediator in the settlement process.
                        Rental Owners should not claim arbitrary deductions, and Guests should not expect refund of amounts
                        reasonably needed to settle confirmed obligations.
                    </div>
                </div>


                <!-- 15 -->
                <div class="payment-section-card" id="payment-15">
                    <div class="payment-title-row">
                        <span class="payment-number">15</span>
                        <h2 class="mb-0">Furniture Package Payments for Unfurnished Properties</h2>
                    </div>

                    <p>
                        If a selected rental property is unfurnished or requires a suitable furniture setup,
                        the Guest may choose to purchase or arrange a furniture package through Ensolanka.
                    </p>

                    <p>
                        Furniture package payments, rental furniture charges, delivery costs,
                        purchase costs, furniture deposits, or related charges may be governed by:
                    </p>

                    <ul>
                        <li>The Guest-side payment center;</li>
                        <li>The applicable furniture package terms;</li>
                        <li>A separate refund or product policy where provided;</li>
                        <li>The specific payment notice shown before checkout.</li>
                    </ul>

                    <div class="payment-note-box">
                        The Rental Owner should not treat furniture package payments as owner rental income
                        unless Ensolanka clearly states otherwise in writing.
                    </div>
                </div>


                <!-- 16 -->
                <div class="payment-section-card" id="payment-16">
                    <div class="payment-title-row">
                        <span class="payment-number">16</span>
                        <h2 class="mb-0">How to Request a Refund or Payment Review</h2>
                    </div>

                    <p>
                        To request a refund review, payment correction, duplicate charge review,
                        or transaction clarification, the user should contact Ensolanka with:
                    </p>

                    <ul>
                        <li>Full name;</li>
                        <li>Registered email address;</li>
                        <li>Account type, if applicable;</li>
                        <li>Payment date;</li>
                        <li>Payment amount and currency;</li>
                        <li>Payment reference, gateway reference, or receipt;</li>
                        <li>Description of the issue;</li>
                        <li>Supporting screenshots or documents where relevant.</li>
                    </ul>

                    <div class="payment-blue-box">
                        Refund requests are reviewed case by case.
                        Submission of a request does not automatically mean a refund will be approved.
                    </div>
                </div>


                <!-- 17 -->
                <div class="payment-section-card" id="payment-17">
                    <div class="payment-title-row">
                        <span class="payment-number">17</span>
                        <h2 class="mb-0">Refund Processing Time and Method</h2>
                    </div>

                    <p>
                        Where a refund is approved, Ensolanka may process it through:
                    </p>

                    <ul>
                        <li>The original payment method where possible;</li>
                        <li>A bank transfer where appropriate;</li>
                        <li>A payment gateway reversal where supported;</li>
                        <li>Platform credit or account adjustment where agreed and suitable.</li>
                    </ul>

                    <p>
                        Actual processing time may vary depending on:
                    </p>

                    <ul>
                        <li>The payment gateway;</li>
                        <li>The bank or card issuer;</li>
                        <li>Currency conversion or cross-border processing;</li>
                        <li>Whether additional verification is required;</li>
                        <li>Whether the issue involves dispute review or third-party confirmation.</li>
                    </ul>
                </div>


                <!-- 18 -->
                <div class="payment-section-card" id="payment-18">
                    <div class="payment-title-row">
                        <span class="payment-number">18</span>
                        <h2 class="mb-0">Payment Disputes and Good-Faith Resolution</h2>
                    </div>

                    <p>
                        Ensolanka encourages all users to contact its support team first when a payment issue,
                        refund disagreement, deposit settlement question, or payout concern arises.
                    </p>

                    <p>
                        Depending on the issue, Ensolanka may:
                    </p>

                    <ul>
                        <li>Review platform records;</li>
                        <li>Review payment gateway confirmation;</li>
                        <li>Compare rental agreement or settlement records;</li>
                        <li>Request supporting evidence from involved parties;</li>
                        <li>Offer an operational resolution where appropriate;</li>
                        <li>Escalate the matter internally or advise the user to seek suitable independent remedies where necessary.</li>
                    </ul>

                    <div class="payment-note-box">
                        This Policy does not remove any rights that may apply under mandatory law.
                        It explains Ensolanka’s platform process for handling payments and refund reviews.
                    </div>
                </div>


                <!-- 19 -->
                <div class="payment-section-card" id="payment-19">
                    <div class="payment-title-row">
                        <span class="payment-number">19</span>
                        <h2 class="mb-0">Changes to This Refund &amp; Payment Policy</h2>
                    </div>

                    <p>
                        Ensolanka may update this Policy from time to time to reflect:
                    </p>

                    <ul>
                        <li>Changes in platform payment workflows;</li>
                        <li>Changes in service fee or featured profile pricing;</li>
                        <li>Introduction of new payment options or gateways;</li>
                        <li>Changes in rental coordination procedures;</li>
                        <li>Legal, accounting, or compliance requirements;</li>
                        <li>Operational improvements based on real transaction experience.</li>
                    </ul>

                    <p>
                        Updated versions may be posted on this page. Continued use of the rental portal
                        after an update may indicate acknowledgement of the revised Policy,
                        subject to any additional notice required by applicable law.
                    </p>
                </div>


                <!-- 20 -->
                <div class="payment-section-card" id="payment-20">
                    <div class="payment-title-row">
                        <span class="payment-number">20</span>
                        <h2 class="mb-0">Contact Us About Payments or Refunds</h2>
                    </div>

                    <p>
                        For questions about payments, refunds, duplicate charges, featured profile fees,
                        rental owner payouts, or security deposit settlement matters, please contact:
                    </p>

                    <ul>
                        <li><strong>Email:</strong> info@ensolanka.com</li>
                        <li><strong>Support Email:</strong> support@ensolanka.com</li>
                        <li><strong>Asia Regional Office:</strong> Ensolanka Holdings (Pvt) Ltd, Main Road, Wennappuwa, Sri Lanka</li>
                    </ul>

                    <div class="payment-blue-box">
                        This Refund &amp; Payment Policy should be read together with the Rent in Sri Lanka
                        Terms &amp; Conditions, Privacy Policy, Cookie Policy, and any property-specific
                        agreement or payment instruction applicable to the transaction.
                    </div>
                </div>

            </div>
        </div>
    </div>
</section>


<!-- =========================================================
     FINAL CTA
========================================================= -->
<section class="py-5 bg-light">
    <div class="container">
        <div class="payment-final-cta text-center text-white">

            <h2 class="fw-bold mb-3">
                Ready to Manage Your Rental Partner Journey?
            </h2>

            <p class="lead mb-4">
                Join as a Rental Owner, list your property, access your payment center,
                and work through a clearer, guided rental process with Ensolanka.
            </p>

            <div class="d-flex flex-wrap justify-content-center gap-3">

                {% if request.user.is_authenticated and request.user.rental_owner_profile %}
                    <a href="{% url 'rental_app:rental_owner_dashboard' %}"
                       class="btn btn-warning btn-lg px-4">
                        My Owner Dashboard
                    </a>

                    <a href="{% url 'rental_app:rental_owner_payment_center' %}"
                       class="btn btn-light btn-lg px-4">
                        Payment Center
                    </a>
                {% else %}
                    <a href="{% url 'rental_app:rental_owner_signup' %}"
                       class="btn btn-warning btn-lg px-4">
                        Become a Property Partner
                    </a>

                    <a href="{% url 'rental_app:rental_owner_login' %}"
                       class="btn btn-light btn-lg px-4">
                        Owner Sign In
                    </a>
                {% endif %}

                <a href="{% url 'rental_app:contact_page' %}"
                   class="btn btn-outline-light btn-lg px-4">
                    Contact Us
                </a>

            </div>
        </div>
    </div>
</section>

{% endblock %}