{% extends 'expat_life/base.html' %}
{% load static %}

{% block title %}Refund & Payment Policy | Ensolanka Guest Portal{% endblock %}

{% block content %}

<style>
    .refund-page {
        background:
            radial-gradient(circle at top left, rgba(255, 193, 7, 0.09), transparent 28%),
            radial-gradient(circle at 85% 25%, rgba(13, 110, 253, 0.08), transparent 30%),
            linear-gradient(180deg, #f5f9ff 0%, #ffffff 48%, #f8fbff 100%);
        overflow: hidden;
    }

    .refund-hero {
        position: relative;
        padding: 6rem 0 5rem;
        background:
            radial-gradient(circle at top left, rgba(255, 193, 7, 0.14), transparent 32%),
            radial-gradient(circle at bottom right, rgba(32, 201, 151, 0.16), transparent 34%),
            linear-gradient(
                90deg,
                rgba(7, 19, 28, 0.94) 0%,
                rgba(7, 19, 28, 0.86) 36%,
                rgba(11, 61, 145, 0.72) 66%,
                rgba(15, 118, 110, 0.62) 100%
            ),
            url("{% static 'expat_life/images/sri_lanka_living_hero.webp' %}") center/cover no-repeat;
        color: #fff;
        overflow: hidden;
    }

    .refund-hero::before {
        content: "";
        position: absolute;
        inset: 0;
        background:
            linear-gradient(120deg, rgba(255, 255, 255, 0.07), transparent 35%),
            radial-gradient(circle at 80% 10%, rgba(255, 193, 7, 0.10), transparent 28%);
        pointer-events: none;
    }

    .refund-hero::after {
        content: "";
        position: absolute;
        right: -160px;
        bottom: -180px;
        width: 480px;
        height: 480px;
        border-radius: 50%;
        background: rgba(255, 193, 7, 0.08);
        pointer-events: none;
    }

    .refund-hero .container {
        position: relative;
        z-index: 2;
    }

    .refund-mini-title {
        display: inline-flex;
        align-items: center;
        gap: .45rem;
        padding: .45rem .9rem;
        border-radius: 999px;
        background: rgba(255, 193, 7, 0.16);
        border: 1px solid rgba(255, 193, 7, 0.32);
        color: #ffd36b;
        font-size: .82rem;
        font-weight: 900;
        letter-spacing: .08em;
        text-transform: uppercase;
        margin-bottom: 1rem;
        backdrop-filter: blur(10px);
    }

    .refund-mini-title i {
        color: #ffc107;
    }

    .refund-hero h1 {
        font-size: clamp(2.35rem, 4.5vw, 4.35rem);
        font-weight: 900;
        letter-spacing: -0.045em;
        line-height: 1.05;
        color: #fff;
    }

    .refund-hero .lead {
        color: rgba(255, 255, 255, 0.88);
        font-size: 1.12rem;
        line-height: 1.85;
        max-width: 880px;
        margin-left: auto;
        margin-right: auto;
    }

    .refund-meta-row {
        margin-top: 2rem;
    }

    .refund-meta-card {
        height: 100%;
        padding: 1.2rem;
        border-radius: 24px;
        background: rgba(255, 255, 255, 0.12);
        border: 1px solid rgba(255, 255, 255, 0.22);
        backdrop-filter: blur(10px);
    }

    .refund-meta-card i {
        color: #ffd36b;
        font-size: 1.55rem;
        margin-bottom: .75rem;
    }

    .refund-meta-card h5 {
        font-weight: 800;
        margin-bottom: .35rem;
    }

    .refund-meta-card p {
        color: rgba(255, 255, 255, 0.78);
        margin-bottom: 0;
        font-size: .94rem;
        line-height: 1.6;
    }

    .refund-section-wrap {
        margin-top: -3rem;
        position: relative;
        z-index: 5;
        padding-bottom: 5rem;
    }

    .refund-main-card {
        border-radius: 32px;
        background: #ffffff;
        border: 1px solid rgba(13, 110, 253, 0.10);
        box-shadow: 0 30px 80px rgba(15, 23, 42, 0.12);
        overflow: hidden;
    }

    .refund-sidebar {
        background: linear-gradient(180deg, #f5f9ff, #ffffff);
        border-right: 1px solid rgba(13, 110, 253, 0.10);
        height: 100%;
        padding: 1.5rem;
        position: sticky;
        top: 90px;
    }

    .refund-sidebar-title {
        font-weight: 900;
        color: #102033;
        margin-bottom: 1rem;
    }

    .refund-sidebar a {
        display: flex;
        align-items: center;
        gap: .55rem;
        padding: .7rem .8rem;
        color: #475569;
        text-decoration: none;
        border-radius: 15px;
        font-weight: 700;
        font-size: .92rem;
        transition: all .2s ease;
    }

    .refund-sidebar a:hover {
        background: #eef5ff;
        color: #0d6efd;
        transform: translateX(3px);
    }

    .refund-content {
        padding: 2rem;
    }

    @media (min-width: 992px) {
        .refund-content {
            padding: 3rem;
        }
    }

    .refund-alert {
        display: flex;
        gap: .85rem;
        padding: 1rem 1.1rem;
        border-radius: 20px;
        background: #fffbeb;
        border-left: 4px solid #ffc107;
        color: #78350f;
        line-height: 1.65;
        margin-bottom: 2rem;
    }

    .refund-alert i {
        color: #d97706;
        font-size: 1.25rem;
        margin-top: .15rem;
        flex: 0 0 auto;
    }

    .refund-section {
        scroll-margin-top: 100px;
        padding-bottom: 2.5rem;
        margin-bottom: 2.5rem;
        border-bottom: 1px solid rgba(13, 110, 253, 0.10);
    }

    .refund-section:last-child {
        border-bottom: none;
        margin-bottom: 0;
    }

    .refund-section-label {
        display: inline-flex;
        align-items: center;
        gap: .4rem;
        background: rgba(15, 118, 110, 0.10);
        color: #0f766e;
        border: 1px solid rgba(15, 118, 110, 0.16);
        font-size: .76rem;
        font-weight: 900;
        letter-spacing: .08em;
        text-transform: uppercase;
        padding: .42rem .8rem;
        border-radius: 999px;
        margin-bottom: .75rem;
    }

    .refund-section h2 {
        color: #102033;
        font-weight: 900;
        letter-spacing: -0.035em;
        margin-bottom: 1rem;
    }

    .refund-section h3 {
        color: #0d6efd;
        font-weight: 850;
        font-size: 1.15rem;
        margin-top: 1.5rem;
        margin-bottom: .75rem;
    }

    .refund-section p {
        color: #475569;
        line-height: 1.8;
        margin-bottom: 1rem;
    }

    .refund-section ul,
    .refund-section ol {
        color: #475569;
        line-height: 1.8;
        padding-left: 1.25rem;
    }

    .refund-section li {
        margin-bottom: .35rem;
    }

    .refund-info-grid {
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
        gap: 1rem;
        margin: 1.5rem 0;
    }

    .refund-info-card {
        border-radius: 22px;
        border: 1px solid rgba(13, 110, 253, 0.10);
        background: #f8fbff;
        padding: 1.2rem;
        height: 100%;
    }

    .refund-info-card i {
        font-size: 1.6rem;
        color: #0f766e;
        margin-bottom: .75rem;
    }

    .refund-info-card h5 {
        color: #102033;
        font-weight: 850;
        margin-bottom: .5rem;
    }

    .refund-info-card p {
        margin-bottom: 0;
        font-size: .94rem;
    }

    .refund-soft-box {
        background: #f8fbff;
        border: 1px solid rgba(13, 110, 253, 0.14);
        border-left: 4px solid #0f766e;
        border-radius: 22px;
        padding: 1.25rem;
        margin: 1.25rem 0;
    }

    .refund-soft-box h4 {
        color: #0f766e;
        font-weight: 850;
        font-size: 1.08rem;
        margin-bottom: .65rem;
    }

    .refund-warning-box {
        background: #fff7ed;
        border: 1px solid #fed7aa;
        border-left: 4px solid #ffc107;
        border-radius: 22px;
        padding: 1.25rem;
        margin: 1.25rem 0;
    }

    .refund-warning-box h4 {
        color: #c2410c;
        font-weight: 850;
        font-size: 1.08rem;
        margin-bottom: .65rem;
    }

    .refund-table-wrap {
        border-radius: 22px;
        overflow: hidden;
        border: 1px solid rgba(13, 110, 253, 0.12);
        margin: 1.5rem 0;
    }

    .refund-table-wrap table {
        margin-bottom: 0;
    }

    .refund-table-wrap thead {
        background: linear-gradient(135deg, #07131c, #0d6efd);
        color: #fff;
    }

    .refund-table-wrap th {
        font-weight: 800;
        white-space: nowrap;
    }

    .refund-table-wrap td {
        color: #475569;
        vertical-align: top;
    }

    .refund-contact-card {
        border-radius: 24px;
        background: #f8fbff;
        border: 1px solid rgba(13, 110, 253, 0.10);
        padding: 1.5rem;
    }

    .refund-contact-card span {
        color: #0d6efd;
        text-transform: uppercase;
        font-weight: 900;
        letter-spacing: .08em;
        font-size: .76rem;
    }

    .refund-cta-box {
        position: relative;
        overflow: hidden;
        border-radius: 30px;
        padding: 2rem;
        background:
            radial-gradient(circle at top left, rgba(255, 193, 7, 0.16), transparent 32%),
            linear-gradient(135deg, rgba(7, 19, 28, 0.98), rgba(11, 61, 145, 0.94), rgba(15, 118, 110, 0.90));
        color: #fff;
        margin-top: 2rem;
    }

    .refund-cta-box::after {
        content: "";
        position: absolute;
        right: -90px;
        bottom: -120px;
        width: 300px;
        height: 300px;
        border-radius: 50%;
        background: rgba(255, 193, 7, 0.10);
    }

    .refund-cta-box > * {
        position: relative;
        z-index: 2;
    }

    .refund-cta-box p {
        color: rgba(255, 255, 255, 0.84);
        line-height: 1.7;
    }

    .refund-cta-box .btn {
        border-radius: 999px;
        font-weight: 800;
        padding: .75rem 1.35rem;
    }

    html {
        scroll-behavior: smooth;
    }

    @media (max-width: 991.98px) {
        .refund-hero {
            padding: 4.5rem 0;
        }

        .refund-sidebar {
            position: relative;
            top: auto;
            border-right: none;
            border-bottom: 1px solid rgba(13, 110, 253, 0.10);
        }
    }

    @media (max-width: 575.98px) {
        .refund-hero {
            padding: 3.5rem 0;
        }

        .refund-content {
            padding: 1.25rem;
        }

        .refund-main-card,
        .refund-cta-box {
            border-radius: 24px;
        }
    }
</style>

<div class="refund-page">

    <!-- HERO -->
    <section class="refund-hero text-center">
        <div class="container">
            <span class="refund-mini-title">
                <i class="bi bi-credit-card-2-front-fill"></i>
                Ensolanka Guest Portal
            </span>

            <h1>Refund & Payment Policy</h1>

            <p class="lead mt-3 mb-0">
                This policy explains how payments, payable items, deposits, wallet credits, refunds,
                cancellations, third-party charges, and payment disputes are handled within the Ensolanka
                Guest Portal and related Resident Guest services.
            </p>

            <div class="row g-3 refund-meta-row">
                <div class="col-md-4">
                    <div class="refund-meta-card">
                        <i class="bi bi-calendar-check"></i>
                        <h5>Effective Date</h5>
                        <p>May 25, 2026</p>
                    </div>
                </div>

                <div class="col-md-4">
                    <div class="refund-meta-card">
                        <i class="bi bi-wallet2"></i>
                        <h5>Payment Area</h5>
                        <p>Payment Center, Digital Wallet, deposits, rentals, and service payments.</p>
                    </div>
                </div>

                <div class="col-md-4">
                    <div class="refund-meta-card">
                        <i class="bi bi-building-check"></i>
                        <h5>Company</h5>
                        <p>Ensolanka LLC / Ensolanka Holdings and related service divisions.</p>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- BODY -->
    <section class="refund-section-wrap">
        <div class="container">
            <div class="refund-main-card">
                <div class="row g-0">

                    <!-- Sidebar -->
                    <div class="col-lg-3">
                        <aside class="refund-sidebar">
                            <div class="refund-sidebar-title">Policy Sections</div>

                            <nav>
                                <a href="#overview"><i class="bi bi-chevron-right"></i> Overview</a>
                                <a href="#payment-center"><i class="bi bi-chevron-right"></i> Payment Center</a>
                                <a href="#payment-methods"><i class="bi bi-chevron-right"></i> Payment Methods</a>
                                <a href="#fees"><i class="bi bi-chevron-right"></i> Main Fees</a>
                                <a href="#rental-payments"><i class="bi bi-chevron-right"></i> Rental Payments</a>
                                <a href="#furniture-payments"><i class="bi bi-chevron-right"></i> Furniture Payments</a>
                                <a href="#assistant-payments"><i class="bi bi-chevron-right"></i> Assistant Payments</a>
                                <a href="#dating-events"><i class="bi bi-chevron-right"></i> Dating & Events</a>
                                <a href="#wallet"><i class="bi bi-chevron-right"></i> Digital Wallet</a>
                                <a href="#refunds"><i class="bi bi-chevron-right"></i> Refund Rules</a>
                                <a href="#cancellations"><i class="bi bi-chevron-right"></i> Cancellations</a>
                                <a href="#chargebacks"><i class="bi bi-chevron-right"></i> Disputes</a>
                                <a href="#third-party"><i class="bi bi-chevron-right"></i> Third Parties</a>
                                <a href="#contact"><i class="bi bi-chevron-right"></i> Contact</a>
                            </nav>
                        </aside>
                    </div>

                    <!-- Content -->
                    <div class="col-lg-9">
                        <div class="refund-content">

                            <div class="refund-alert">
                                <i class="bi bi-exclamation-triangle-fill"></i>
                                <div>
                                    <strong>Important Notice:</strong>
                                    This Refund & Payment Policy should be read together with Ensolanka’s
                                    Terms & Conditions, Privacy Policy, FAQ, Disclaimer, and any separate rental,
                                    furniture, service assistant, event, legal, or visa-related agreement.
                                </div>
                            </div>

                            <!-- 1 -->
                            <section class="refund-section" id="overview">
                                <span class="refund-section-label">1. Overview</span>
                                <h2>Purpose of This Policy</h2>

                                <p>
                                    This Refund & Payment Policy explains how payments, deposits, payable items,
                                    wallet credits, refunds, cancellations, payment disputes, and third-party charges
                                    are handled within the Ensolanka Guest Portal.
                                </p>

                                <p>
                                    Ensolanka provides a platform and local coordination system for international
                                    Guests who wish to explore, arrive, stay, and live in Sri Lanka. Payments may be
                                    connected to Guest confirmation, service coordination, rentals, furniture packages,
                                    local service assistant arrangements, dating or social events, departure support,
                                    legal coordination, and other approved services.
                                </p>

                                <div class="refund-soft-box">
                                    <h4><i class="bi bi-info-circle-fill me-2"></i>General Principle</h4>
                                    <p class="mb-0">
                                        Refund eligibility depends on the type of payment, timing, work already performed,
                                        third-party costs, service status, cancellation reason, written agreement, and
                                        applicable law. Some payments may be non-refundable once Ensolanka or a third party
                                        has started work or reserved resources.
                                    </p>
                                </div>
                            </section>

                            <!-- 2 -->
                            <section class="refund-section" id="payment-center">
                                <span class="refund-section-label">2. Payment Center</span>
                                <h2>Use of the Ensolanka Payment Center</h2>

                                <p>
                                    The Ensolanka Payment Center is designed to help Guests view, select, and settle
                                    payable items through the web portal. It is intended to make payments clearer,
                                    more organized, and easier to manage.
                                </p>

                                <p>Payable items may include:</p>

                                <ul>
                                    <li>Account Confirmation Fee.</li>
                                    <li>One-Time Service Fee.</li>
                                    <li>Featured Guest Profile Fee.</li>
                                    <li>Rental deposits.</li>
                                    <li>Monthly rental payments.</li>
                                    <li>Furniture rental deposits.</li>
                                    <li>Monthly furniture rental payments.</li>
                                    <li>Furniture purchase or rent-to-own completion amounts.</li>
                                    <li>Dating, proposal, wedding, party, or event host payments.</li>
                                    <li>Service assistant arrangement fees.</li>
                                    <li>Transport and airport support payments.</li>
                                    <li>Departure support payments.</li>
                                    <li>Legal coordination fees.</li>
                                    <li>Other approved payable items.</li>
                                </ul>

                                <p>
                                    Guests must carefully review payable item titles, descriptions, amounts, due dates,
                                    payment status, optional/required status, and related notes before making payment.
                                </p>
                            </section>

                            <!-- 3 -->
                            <section class="refund-section" id="payment-methods">
                                <span class="refund-section-label">3. Payment Methods</span>
                                <h2>Supported Payment Methods</h2>

                                <p>
                                    Ensolanka may support online card payments, Stripe, PayPal, bank transfer, wallet
                                    balance, manual payment confirmation, or other payment methods enabled by the platform.
                                    Available payment methods may change from time to time.
                                </p>

                                <p>
                                    Payments made through third-party payment processors may be subject to their own
                                    terms, privacy policies, fraud checks, currency conversion rules, bank fees, card
                                    issuer rules, and processing timelines.
                                </p>

                                <div class="refund-warning-box">
                                    <h4><i class="bi bi-bank2 me-2"></i>Bank and Gateway Charges</h4>
                                    <p class="mb-0">
                                        Guests are responsible for bank charges, card processing fees, payment gateway
                                        fees where passed on, international transaction fees, currency conversion costs,
                                        and any taxes or government charges unless clearly stated otherwise.
                                    </p>
                                </div>
                            </section>

                            <!-- 4 -->
                            <section class="refund-section" id="fees">
                                <span class="refund-section-label">4. Main Fees</span>
                                <h2>Confirmation Fee, Service Fee, and Featured Fee</h2>

                                <h3>4.1 Account Confirmation Fee</h3>
                                <p>
                                    The Account Confirmation Fee is currently USD 100 unless changed on the platform.
                                    It confirms a Guest’s genuine intention to proceed and allows Ensolanka to begin
                                    practical preparation.
                                </p>

                                <p>The Confirmation Fee may activate work such as:</p>

                                <ul>
                                    <li>Reviewing interested rental properties.</li>
                                    <li>Checking property availability.</li>
                                    <li>Reviewing interested dating partner profiles.</li>
                                    <li>Reviewing interested local service assistant profiles.</li>
                                    <li>Preparing communication with relevant parties.</li>
                                    <li>Planning arrival support and airport welcome coordination.</li>
                                    <li>Updating internal Guest support workflow.</li>
                                </ul>

                                <p>
                                    Once Ensolanka starts preparation work, verification, communication, or arrangement
                                    activity, the Confirmation Fee may become non-refundable.
                                </p>

                                <h3>4.2 One-Time Service Fee</h3>
                                <p>
                                    The One-Time Service Fee is payable to Ensolanka for the main Guest facilitation,
                                    transition support, arrangement support, and local coordination services. The amount
                                    may depend on the selected lifestyle package, level of support, and service scope.
                                </p>

                                <p>
                                    The One-Time Service Fee may be due on or before arrival, or at the welcome stage
                                    if Ensolanka specifically allows settlement after airport reception. Such flexibility
                                    is not automatic and may be withdrawn at any time.
                                </p>

                                <p>
                                    Once arrival support, coordination, property preparation, service planning, local
                                    advocacy, or other service work has started, the One-Time Service Fee may be fully
                                    or partially non-refundable.
                                </p>

                                <h3>4.3 Featured Guest Profile Fee</h3>
                                <p>
                                    The Featured Guest Profile Fee is optional and currently USD 5 unless changed.
                                    It may provide additional visibility or priority display features within the platform.
                                </p>

                                <p>
                                    The Featured Guest Profile Fee is generally non-refundable once featured visibility
                                    or related profile benefits have been activated.
                                </p>
                            </section>

                            <!-- 5 -->
                            <section class="refund-section" id="rental-payments">
                                <span class="refund-section-label">5. Rental Payments</span>
                                <h2>Rental Deposits and Monthly Rental Payments</h2>

                                <h3>5.1 Rental Deposit</h3>
                                <p>
                                    Many rental properties may require a deposit equivalent to approximately three
                                    months’ rent unless a different requirement is stated by the property owner,
                                    rental agreement, or Ensolanka arrangement.
                                </p>

                                <p>
                                    The rental deposit may be required before the Guest receives keys or takes possession
                                    of the property. The deposit may be held by the rental owner, property manager,
                                    Ensolanka, or another agreed party depending on the arrangement.
                                </p>

                                <p>Rental deposit refunds may be subject to:</p>

                                <ul>
                                    <li>Rental agreement terms.</li>
                                    <li>Property condition at exit.</li>
                                    <li>Damage, missing items, or excessive wear.</li>
                                    <li>Outstanding rent.</li>
                                    <li>Utility bills.</li>
                                    <li>Cleaning, repair, repainting, or replacement costs.</li>
                                    <li>Notice period compliance.</li>
                                    <li>Property owner or manager conditions.</li>
                                    <li>Applicable law.</li>
                                </ul>

                                <h3>5.2 Monthly Rental Payments</h3>
                                <p>
                                    Monthly rental payments must be paid on or before the due date shown in the Payment
                                    Center, rental agreement, invoice, or written communication.
                                </p>

                                <p>
                                    In some cases, the first monthly rental may be allowed within a specified grace
                                    period, such as within 25 days from the rental start date. This is not automatic
                                    and requires approval by Ensolanka and/or the property owner.
                                </p>

                                <h3>5.3 Late or Missed Rental Payments</h3>
                                <p>
                                    Failure to pay rent on time may result in reminders, late fees where applicable,
                                    suspension of support services, loss of rental privileges, deposit deductions,
                                    termination of rental support, or legal/recovery action where appropriate.
                                </p>
                            </section>

                            <!-- 6 -->
                            <section class="refund-section" id="furniture-payments">
                                <span class="refund-section-label">6. Furniture Payments</span>
                                <h2>Furniture Deposit, Monthly Rental, and Rent-to-Own</h2>

                                <h3>6.1 Furniture Rental Deposit</h3>
                                <p>
                                    For separate Furniture Packages, a deposit equivalent to three months of the monthly
                                    furniture rental may normally be required unless a different deposit structure is
                                    displayed or agreed.
                                </p>

                                <p>
                                    Furniture deposits may be refundable after cancellation, return, inspection, and
                                    settlement of outstanding fees or damages.
                                </p>

                                <p>Furniture deposit refunds may be reduced for:</p>

                                <ul>
                                    <li>Damaged furniture.</li>
                                    <li>Missing items.</li>
                                    <li>Excessive wear.</li>
                                    <li>Unauthorized relocation.</li>
                                    <li>Unpaid furniture rental.</li>
                                    <li>Cleaning, transport, repair, replacement, or collection costs.</li>
                                    <li>Early cancellation charges where applicable.</li>
                                    <li>Breach of furniture rental terms.</li>
                                </ul>

                                <h3>6.2 Monthly Furniture Rental</h3>
                                <p>
                                    Monthly furniture rental payments must be paid according to the payable schedule
                                    shown in the Payment Center or according to the relevant furniture agreement.
                                </p>

                                <h3>6.3 Furniture Cancellation</h3>
                                <p>
                                    A Guest may request cancellation of a separate Furniture Package by giving at least
                                    one month’s prior notice unless a different notice period applies. Cancellation is
                                    subject to logistics, location, transport availability, furniture inspection, payment
                                    status, and written terms.
                                </p>

                                <h3>6.4 Rent-to-Own or Leasing-Purchase Model</h3>
                                <p>
                                    Where Ensolanka offers a rent-to-own or leasing-purchase furniture model, ownership
                                    eligibility depends on completing the agreed payment period and satisfying deposit,
                                    inspection, and agreement terms.
                                </p>

                                <p>
                                    Under the current business concept, completing 24 consecutive months of furniture
                                    rental payments and satisfying retained deposit terms may allow the furniture package
                                    to be treated as a completed leasing-purchase arrangement.
                                </p>

                                <div class="refund-warning-box">
                                    <h4><i class="bi bi-house-check-fill me-2"></i>Furnished Property Exception</h4>
                                    <p class="mb-0">
                                        Furniture rent-to-own does not apply to fully furnished rental properties where
                                        furniture belongs to the property owner unless separately agreed in writing.
                                    </p>
                                </div>
                            </section>

                            <!-- 7 -->
                            <section class="refund-section" id="assistant-payments">
                                <span class="refund-section-label">7. Service Assistants</span>
                                <h2>Local Service Assistant Payments</h2>

                                <p>
                                    Local service assistant arrangements may involve drivers, housekeepers, cleaners,
                                    translators, helpers, security guards, personal assistants, or other approved
                                    service partners.
                                </p>

                                <p>
                                    Payments related to service assistants may include interview arrangement fees,
                                    appointment fees, salary or service fees, trial-period payments, transport costs,
                                    replacement fees, or other agreed charges.
                                </p>

                                <p>
                                    Refunds for service assistant-related payments depend on whether work has already
                                    been performed, whether a third-party assistant has been paid, whether the appointment
                                    was cancelled on time, and the terms agreed between the Guest, Ensolanka, and/or the
                                    assistant.
                                </p>
                            </section>

                            <!-- 8 -->
                            <section class="refund-section" id="dating-events">
                                <span class="refund-section-label">8. Dating & Events</span>
                                <h2>Dating, Social, Proposal, Wedding, and Event Payments</h2>

                                <p>
                                    Where mutual interest exists between a Guest and a Dating Partner, Ensolanka may
                                    help coordinate dating events, proposal events, wedding-related services, parties,
                                    or other social events through approved Event Hosts.
                                </p>

                                <p>
                                    Event payments may include venue booking fees, event host fees, transport costs,
                                    food and beverage costs, decoration costs, photography, entertainment, or other
                                    event-related charges.
                                </p>

                                <p>
                                    Refunds for event payments are subject to event host terms, venue cancellation
                                    policies, work already performed, deposits already paid, timing of cancellation,
                                    and written agreement.
                                </p>

                                <div class="refund-warning-box">
                                    <h4><i class="bi bi-calendar-event-fill me-2"></i>Event Outcome Notice</h4>
                                    <p class="mb-0">
                                        Event payments are not refundable simply because a dating, proposal, social,
                                        or relationship outcome did not meet expectations. Ensolanka does not guarantee
                                        relationship success, proposal acceptance, marriage, or personal compatibility.
                                    </p>
                                </div>
                            </section>

                            <!-- 9 -->
                            <section class="refund-section" id="wallet">
                                <span class="refund-section-label">9. Digital Wallet</span>
                                <h2>Digital Wallet, Cash Wallet, and Internal Credits</h2>

                                <p>
                                    The Ensolanka Digital Wallet or Cash Wallet may be used to record internal balances,
                                    refund credits, deposit credits, overpayment credits, cancelled booking credits,
                                    approved compensation credits, or future payment deductions.
                                </p>

                                <p>
                                    Wallet credits may be used for future Ensolanka payable items where permitted.
                                    Ensolanka may also use wallet balances to deduct future monthly rentals, furniture
                                    rentals, service fees, or other payable items if enabled by the system.
                                </p>

                                <h3>9.1 Wallet Credits Are Not Always Cash Withdrawals</h3>
                                <p>
                                    Wallet balances are internal platform credits and are not necessarily bank deposits.
                                    They may not automatically be withdrawable as cash unless Ensolanka approves withdrawal
                                    under an applicable policy.
                                </p>

                                <h3>9.2 Wallet Adjustments</h3>
                                <p>
                                    Ensolanka may correct wallet balances if an error, duplicate credit, incorrect refund,
                                    payment reversal, chargeback, fraud issue, or accounting mistake is discovered.
                                </p>
                            </section>

                            <!-- 10 -->
                            <section class="refund-section" id="refunds">
                                <span class="refund-section-label">10. Refund Rules</span>
                                <h2>Refund Eligibility by Payment Type</h2>

                                <p>
                                    Refunds are reviewed case by case. The following table provides general guidance.
                                    Specific written agreements, third-party policies, or legal requirements may override
                                    this general summary.
                                </p>

                                <div class="refund-table-wrap table-responsive">
                                    <table class="table table-striped align-middle">
                                        <thead>
                                            <tr>
                                                <th>Payment Type</th>
                                                <th>General Refund Position</th>
                                            </tr>
                                        </thead>
                                        <tbody>
                                            <tr>
                                                <td><strong>Confirmation Fee</strong></td>
                                                <td>May be non-refundable once preparation, communication, verification, or arrangement work has started.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>One-Time Service Fee</strong></td>
                                                <td>May be fully or partially non-refundable after service work, arrival support, coordination, or local arrangement work begins.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Featured Profile Fee</strong></td>
                                                <td>Generally non-refundable once featured visibility or profile benefits are activated.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Rental Deposit</strong></td>
                                                <td>Subject to rental agreement, property condition, outstanding rent, utilities, damages, owner terms, and notice period compliance.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Monthly Rental</strong></td>
                                                <td>Usually non-refundable after the rental period has started unless otherwise agreed in writing.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Furniture Deposit</strong></td>
                                                <td>Subject to inspection, outstanding rental, missing items, damage, transport, repair, cleaning, or agreement terms.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Furniture Monthly Rental</strong></td>
                                                <td>Usually non-refundable after the relevant rental period starts unless otherwise agreed.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Service Assistant Fees</strong></td>
                                                <td>Subject to work performed, assistant availability, appointment status, cancellation timing, and written agreement.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Event Payments</strong></td>
                                                <td>Subject to event host, venue, supplier, and cancellation terms.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Wallet Credits</strong></td>
                                                <td>May be reused for future services. Cash withdrawal requires Ensolanka approval where applicable.</td>
                                            </tr>
                                        </tbody>
                                    </table>
                                </div>

                                <p>
                                    Refunds may be made to the original payment method, wallet balance, bank account,
                                    or another method approved by Ensolanka.
                                </p>
                            </section>

                            <!-- 11 -->
                            <section class="refund-section" id="cancellations">
                                <span class="refund-section-label">11. Cancellations</span>
                                <h2>Cancellation by Guest or Ensolanka</h2>

                                <h3>11.1 Cancellation by Guest</h3>
                                <p>
                                    A Guest may cancel or pause certain services by notifying Ensolanka in writing.
                                    Cancellation may affect confirmation preparation, airport welcome, temporary
                                    accommodation, rental inspection, rental deposit, furniture setup, furniture rental,
                                    dating/social introductions, event bookings, service assistant interviews, local
                                    paperwork, and departure support.
                                </p>

                                <p>
                                    Cancellation fees may apply where Ensolanka has already performed work, reserved
                                    resources, paid third parties, arranged services, blocked availability, or incurred costs.
                                </p>

                                <h3>11.2 Cancellation by Ensolanka</h3>
                                <p>
                                    Ensolanka may cancel, delay, modify, or reschedule services where necessary due to
                                    safety concerns, Guest misconduct, non-payment, false information, third-party
                                    unavailability, property withdrawal, government restrictions, visa or immigration
                                    issues, natural disasters, public unrest, health emergencies, transport disruption,
                                    force majeure, or operational impossibility.
                                </p>

                                <p>
                                    Where appropriate, Ensolanka may offer alternatives, rescheduling, wallet credit,
                                    partial refund, or other fair resolution depending on the circumstances.
                                </p>
                            </section>

                            <!-- 12 -->
                            <section class="refund-section" id="chargebacks">
                                <span class="refund-section-label">12. Disputes</span>
                                <h2>Payment Disputes, Chargebacks, and Failed Payments</h2>

                                <h3>12.1 Failed or Declined Payments</h3>
                                <p>
                                    If a payment fails, is declined, reversed, or not received, the related service may
                                    remain unpaid, inactive, pending, suspended, or cancelled until payment is completed
                                    and verified.
                                </p>

                                <h3>12.2 Chargebacks and Unauthorized Disputes</h3>
                                <p>
                                    If a Guest initiates a chargeback or payment dispute after receiving services or
                                    after Ensolanka has incurred costs, Ensolanka may suspend the account, pause services,
                                    reverse wallet credits, recover unpaid amounts, provide evidence to the payment
                                    processor, or take legal action where appropriate.
                                </p>

                                <h3>12.3 Refund Request Process</h3>
                                <p>
                                    To request a refund, the Guest should contact Ensolanka through official support
                                    channels and provide:
                                </p>

                                <ul>
                                    <li>Full name and account email.</li>
                                    <li>Payment reference, invoice number, or transaction ID.</li>
                                    <li>Payment date and amount.</li>
                                    <li>Payable item or service involved.</li>
                                    <li>Reason for refund request.</li>
                                    <li>Supporting documents, screenshots, or communication records where relevant.</li>
                                </ul>

                                <p>
                                    Ensolanka will review the request in good faith. Review time may depend on payment
                                    method, third-party provider response, internal records, service status, and complexity
                                    of the case.
                                </p>
                            </section>

                            <!-- 13 -->
                            <section class="refund-section" id="third-party">
                                <span class="refund-section-label">13. Third Parties</span>
                                <h2>Third-Party Charges and External Refund Rules</h2>

                                <p>
                                    Some payments may involve third-party providers such as rental owners, property
                                    managers, furniture suppliers, drivers, housekeepers, translators, event hosts,
                                    lawyers, visa/documentation professionals, transport providers, payment processors,
                                    banks, and government-related offices.
                                </p>

                                <p>
                                    Third-party providers may have their own pricing, cancellation, refund, deposit,
                                    rescheduling, and liability rules. Ensolanka may help coordinate, but cannot always
                                    override third-party refund policies once funds, deposits, bookings, or service
                                    commitments have been made.
                                </p>

                                <p>
                                    Government fees, bank fees, card fees, payment gateway fees, visa-related fees,
                                    legal filing fees, and third-party processing fees may be non-refundable depending
                                    on the relevant provider or authority.
                                </p>
                            </section>

                            <!-- 14 -->
                            <section class="refund-section" id="currency">
                                <span class="refund-section-label">14. Currency</span>
                                <h2>Currency, Exchange Rates, and Tax</h2>

                                <p>
                                    Prices may be displayed in USD or another currency. Where payments are made in
                                    Sri Lankan Rupees or another currency, exchange rates may vary by bank, payment
                                    processor, card issuer, transfer provider, or transaction date.
                                </p>

                                <p>
                                    Refunds may be affected by exchange rate changes, processor fees, bank charges,
                                    card network rules, or international transaction costs. Ensolanka is not responsible
                                    for currency differences or third-party fees unless required by law or agreed in writing.
                                </p>

                                <p>
                                    Taxes, government charges, duties, or other official costs may apply depending on
                                    the service and applicable law.
                                </p>
                            </section>

                            <!-- 15 -->
                            <section class="refund-section" id="policy-updates">
                                <span class="refund-section-label">15. Updates</span>
                                <h2>Changes to This Policy</h2>

                                <p>
                                    Ensolanka may update this Refund & Payment Policy from time to time due to changes
                                    in services, payment methods, platform features, third-party providers, legal
                                    requirements, operational practices, or business model updates.
                                </p>

                                <p>
                                    Updated versions may be posted on the website with a new effective date. Continued
                                    use of the platform after changes means the Guest accepts the updated policy.
                                </p>
                            </section>

                            <!-- 16 -->
                            <section class="refund-section" id="contact">
                                <span class="refund-section-label">16. Contact</span>
                                <h2>Contact Information</h2>

                                <p>
                                    For payment questions, refund requests, wallet issues, billing corrections, or
                                    payment dispute support, please contact Ensolanka through official channels.
                                </p>

                                <div class="refund-contact-card">
                                    <div class="row g-3">
                                        <div class="col-md-6">
                                            <span>Company</span>
                                            <p class="mb-0 fw-semibold text-dark">Ensolanka LLC</p>
                                        </div>

                                        <div class="col-md-6">
                                            <span>Email</span>
                                            <p class="mb-0 fw-semibold text-dark">info@ensolanka.com</p>
                                        </div>

                                        <div class="col-md-6">
                                            <span>Phone / WhatsApp</span>
                                            <p class="mb-0 fw-semibold text-dark">+94 71 697 8355 / +1 307 218-2541</p>
                                        </div>

                                        <div class="col-md-6">
                                            <span>Website</span>
                                            <p class="mb-0 fw-semibold text-dark">ensolanka.lk</p>
                                        </div>

                                        <div class="col-12">
                                            <span>Address</span>
                                            <p class="mb-0 fw-semibold text-dark">30 N Gould St Ste R, Sheridan, WY, 82801, USA</p>
                                        </div>
                                    </div>
                                </div>
                            </section>

                            <!-- CTA -->
                            <div class="refund-cta-box">
                                <div class="row align-items-center g-3">
                                    <div class="col-lg-8">
                                        <h3 class="fw-bold mb-2">Please review payable items before payment.</h3>
                                        <p class="mb-lg-0">
                                            This policy works together with our Terms, Privacy Policy, FAQ, and Disclaimer
                                            to explain how payments, deposits, refunds, wallet credits, and cancellations
                                            are handled in the Guest Portal.
                                        </p>
                                    </div>

                                    <div class="col-lg-4 text-lg-end">
                                        <div class="d-flex flex-wrap gap-2 justify-content-lg-end">
                                            <a href="{% url 'expat_life:terms' %}" class="btn btn-warning">
                                                Terms
                                            </a>

                                            <a href="{% url 'expat_life:privacy_policy' %}" class="btn btn-light">
                                                Privacy
                                            </a>

                                            <a href="{% url 'expat_life:faq' %}" class="btn btn-outline-light">
                                                FAQ
                                            </a>
                                        </div>
                                    </div>
                                </div>
                            </div>

                        </div>
                    </div>
                    <!-- End Content -->

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

</div>

{% endblock %}