{% extends 'property_manager_app/base_property_manager.html' %}
{% load static %}

{% block title %}Refund & Payment Policy | Home in Sri Lanka Property Care{% endblock %}

{% block content %}

<style>
    /* =========================================================
       PROPERTY CARE REFUND & PAYMENT POLICY — PREMIUM LEGAL STYLE
    ========================================================= */

    .pm-refund-page {
        min-height: 100vh;
        background:
            radial-gradient(circle at top left, rgba(251, 191, 36, 0.10), transparent 28%),
            radial-gradient(circle at top right, rgba(15, 118, 110, 0.10), transparent 32%),
            linear-gradient(180deg, #f8fafc 0%, #ecfdf5 40%, #ffffff 100%);
    }

    /* HERO */
    .pm-refund-hero {
        position: relative;
        overflow: hidden;
        min-height: 580px;
        display: flex;
        align-items: center;
        background:
            linear-gradient(
                100deg,
                rgba(5, 20, 25, 0.97) 0%,
                rgba(8, 48, 44, 0.90) 48%,
                rgba(15, 118, 110, 0.74) 100%
            ),
            url("{% static 'expat_life/images/property_manager_hero.webp' %}") center center / cover no-repeat;
    }

    .pm-refund-hero::after {
        content: "";
        position: absolute;
        inset: 0;
        background:
            radial-gradient(circle at 15% 25%, rgba(251, 191, 36, 0.20), transparent 30%),
            radial-gradient(circle at 84% 70%, rgba(255, 255, 255, 0.10), transparent 32%);
        pointer-events: none;
    }

    .pm-refund-hero-content {
        position: relative;
        z-index: 2;
        width: 100%;
        padding: 5rem 0;
        color: #ffffff;
    }

    .pm-refund-badge {
        display: inline-flex;
        align-items: center;
        gap: 0.5rem;
        padding: 0.56rem 1rem;
        border-radius: 999px;
        background: rgba(255, 255, 255, 0.14);
        border: 1px solid rgba(255, 255, 255, 0.22);
        color: #fef3c7;
        font-size: 0.84rem;
        font-weight: 900;
        text-transform: uppercase;
        letter-spacing: 0.05em;
        margin-bottom: 1rem;
    }

    .pm-refund-hero h1 {
        font-size: clamp(2.4rem, 5vw, 4.35rem);
        line-height: 1.08;
        letter-spacing: -0.045em;
        font-weight: 950;
        margin-bottom: 1rem;
    }

    .pm-refund-hero p {
        max-width: 1020px;
        color: rgba(255, 255, 255, 0.88);
        font-size: 1.08rem;
        line-height: 1.85;
        margin-bottom: 1.45rem;
    }

    .pm-refund-meta {
        display: flex;
        flex-wrap: wrap;
        gap: 0.8rem;
    }

    .pm-refund-meta-pill {
        display: inline-flex;
        align-items: center;
        gap: 0.45rem;
        border-radius: 999px;
        padding: 0.48rem 0.9rem;
        background: rgba(255, 255, 255, 0.12);
        border: 1px solid rgba(255, 255, 255, 0.18);
        color: rgba(255, 255, 255, 0.92);
        font-weight: 800;
        font-size: 0.84rem;
    }

    /* MAIN */
    .pm-refund-main {
        padding: 4.5rem 0 5rem;
    }

    .pm-refund-shell {
        border-radius: 38px;
        background: rgba(255, 255, 255, 0.98);
        border: 1px solid rgba(226, 232, 240, 0.95);
        box-shadow: 0 28px 65px rgba(15, 23, 42, 0.10);
        overflow: hidden;
    }

    .pm-refund-intro {
        padding: 2rem;
        background:
            radial-gradient(circle at top right, rgba(15, 118, 110, 0.06), transparent 30%),
            linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
        border-bottom: 1px solid #e2e8f0;
    }

    .pm-refund-intro h2 {
        color: #0f172a;
        font-weight: 950;
        letter-spacing: -0.03em;
        margin-bottom: 0.65rem;
    }

    .pm-refund-intro p {
        color: #64748b;
        line-height: 1.82;
        margin-bottom: 0;
    }

    .pm-refund-grid {
        display: grid;
        grid-template-columns: 300px minmax(0, 1fr);
        gap: 0;
    }

    /* SIDEBAR */
    .pm-refund-sidebar {
        padding: 1.7rem 1.35rem;
        background: #f8fafc;
        border-right: 1px solid #e2e8f0;
    }

    .pm-refund-sidebar-card {
        position: sticky;
        top: 110px;
    }

    .pm-refund-sidebar h5 {
        color: #0f172a;
        font-weight: 950;
        margin-bottom: 1rem;
    }

    .pm-refund-nav {
        display: grid;
        gap: 0.55rem;
    }

    .pm-refund-nav a {
        text-decoration: none;
        color: #475569;
        font-weight: 800;
        font-size: 0.93rem;
        line-height: 1.45;
        border-radius: 16px;
        padding: 0.72rem 0.85rem;
        transition: all 0.2s ease;
        background: #ffffff;
        border: 1px solid #e2e8f0;
    }

    .pm-refund-nav a:hover {
        color: #0f766e;
        border-color: rgba(15, 118, 110, 0.26);
        background: #ecfdf5;
        transform: translateX(2px);
    }

    .pm-refund-sidebar-note {
        margin-top: 1.25rem;
        border-radius: 22px;
        padding: 1rem;
        background: #fffbeb;
        border: 1px solid #fde68a;
        color: #92400e;
        line-height: 1.65;
        font-size: 0.91rem;
    }

    /* CONTENT */
    .pm-refund-content {
        padding: 2rem;
    }

    .pm-refund-section {
        scroll-margin-top: 120px;
        margin-bottom: 2rem;
        border-radius: 28px;
        border: 1px solid #e2e8f0;
        background: #ffffff;
        box-shadow: 0 14px 32px rgba(15, 23, 42, 0.05);
        overflow: hidden;
    }

    .pm-refund-section-header {
        padding: 1.35rem 1.45rem 1rem;
        border-bottom: 1px solid #e2e8f0;
        background:
            radial-gradient(circle at top right, rgba(15, 118, 110, 0.05), transparent 30%),
            #ffffff;
    }

    .pm-refund-section-number {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        min-width: 42px;
        height: 42px;
        padding: 0 0.8rem;
        border-radius: 999px;
        background: #0f766e;
        color: #ffffff;
        font-weight: 950;
        font-size: 0.9rem;
        margin-bottom: 0.8rem;
    }

    .pm-refund-section-header h3 {
        color: #0f172a;
        font-weight: 950;
        letter-spacing: -0.02em;
        margin-bottom: 0;
    }

    .pm-refund-section-body {
        padding: 1.45rem;
        color: #475569;
        line-height: 1.85;
    }

    .pm-refund-section-body p:last-child {
        margin-bottom: 0;
    }

    .pm-refund-section-body strong {
        color: #0f172a;
    }

    .pm-refund-section-body ul,
    .pm-refund-section-body ol {
        padding-left: 1.3rem;
        margin-bottom: 1rem;
    }

    .pm-refund-section-body li {
        margin-bottom: 0.48rem;
    }

    .pm-refund-highlight {
        border-radius: 22px;
        padding: 1rem 1.1rem;
        margin-top: 1rem;
        margin-bottom: 1rem;
        background: #ecfeff;
        border: 1px solid #a5f3fc;
        color: #0f766e;
        line-height: 1.75;
    }

    .pm-refund-warning {
        border-radius: 22px;
        padding: 1rem 1.1rem;
        margin-top: 1rem;
        margin-bottom: 1rem;
        background: #fffbeb;
        border: 1px solid #fde68a;
        color: #92400e;
        line-height: 1.75;
    }

    .pm-refund-danger {
        border-radius: 22px;
        padding: 1rem 1.1rem;
        margin-top: 1rem;
        margin-bottom: 1rem;
        background: #fef2f2;
        border: 1px solid #fecaca;
        color: #b91c1c;
        line-height: 1.75;
    }

    .pm-refund-grid-cards {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
        gap: 1rem;
        margin-top: 1rem;
    }

    .pm-refund-mini-card {
        border-radius: 22px;
        border: 1px solid #e2e8f0;
        background: #f8fafc;
        padding: 1rem 1.05rem;
        height: 100%;
    }

    .pm-refund-mini-card h5 {
        color: #0f172a;
        font-weight: 950;
        margin-bottom: 0.4rem;
    }

    .pm-refund-mini-card p {
        color: #64748b;
        line-height: 1.72;
        margin-bottom: 0;
        font-size: 0.95rem;
    }

    .pm-refund-table-wrap {
        overflow-x: auto;
        margin-top: 1rem;
    }

    .pm-refund-table {
        width: 100%;
        border-collapse: separate;
        border-spacing: 0;
        overflow: hidden;
        border: 1px solid #e2e8f0;
        border-radius: 22px;
        background: #ffffff;
    }

    .pm-refund-table thead th {
        background: #0f766e;
        color: #ffffff;
        font-weight: 900;
        padding: 0.95rem 1rem;
        font-size: 0.92rem;
        white-space: nowrap;
    }

    .pm-refund-table tbody td {
        padding: 0.95rem 1rem;
        border-top: 1px solid #e2e8f0;
        color: #475569;
        vertical-align: top;
        line-height: 1.65;
    }

    .pm-refund-table tbody td strong {
        color: #0f172a;
    }

    .pm-refund-contact-card {
        border-radius: 28px;
        border: 1px solid #e2e8f0;
        background:
            radial-gradient(circle at top right, rgba(251, 191, 36, 0.10), transparent 30%),
            linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
        padding: 1.35rem;
    }

    .pm-refund-contact-card h5 {
        color: #0f172a;
        font-weight: 950;
        margin-bottom: 0.75rem;
    }

    .pm-refund-contact-list {
        display: grid;
        gap: 0.55rem;
    }

    .pm-refund-contact-list div {
        color: #475569;
        line-height: 1.7;
    }

    .pm-refund-bottom-cta {
        margin-top: 2rem;
        border-radius: 34px;
        padding: 2rem;
        color: #ffffff;
        background:
            radial-gradient(circle at top right, rgba(251, 191, 36, 0.18), transparent 30%),
            linear-gradient(135deg, #052e25 0%, #0f766e 60%, #115e59 100%);
        box-shadow: 0 28px 60px rgba(15, 23, 42, 0.18);
    }

    .pm-refund-bottom-cta h3 {
        font-weight: 950;
        margin-bottom: 0.6rem;
    }

    .pm-refund-bottom-cta p {
        color: rgba(255, 255, 255, 0.88);
        line-height: 1.8;
        margin-bottom: 1.2rem;
    }

    .pm-refund-bottom-actions {
        display: flex;
        flex-wrap: wrap;
        gap: 0.8rem;
    }

    .pm-refund-bottom-actions .btn {
        border-radius: 999px;
        font-weight: 850;
        padding: 0.82rem 1.35rem;
    }

    @media (max-width: 1199.98px) {
        .pm-refund-grid {
            grid-template-columns: 1fr;
        }

        .pm-refund-sidebar {
            border-right: 0;
            border-bottom: 1px solid #e2e8f0;
        }

        .pm-refund-sidebar-card {
            position: static;
        }

        .pm-refund-nav {
            grid-template-columns: repeat(2, 1fr);
        }
    }

    @media (max-width: 767.98px) {
        .pm-refund-hero {
            min-height: auto;
        }

        .pm-refund-hero-content {
            padding: 4rem 0;
        }

        .pm-refund-shell {
            border-radius: 30px;
        }

        .pm-refund-intro,
        .pm-refund-content {
            padding: 1.35rem;
        }

        .pm-refund-nav {
            grid-template-columns: 1fr;
        }

        .pm-refund-section-body,
        .pm-refund-section-header {
            padding-left: 1.1rem;
            padding-right: 1.1rem;
        }

        .pm-refund-grid-cards {
            grid-template-columns: 1fr;
        }

        .pm-refund-bottom-cta {
            padding: 1.45rem;
            border-radius: 28px;
        }

        .pm-refund-bottom-actions {
            flex-direction: column;
            align-items: stretch;
        }

        .pm-refund-bottom-actions .btn {
            width: 100%;
        }
    }
</style>


<section class="pm-refund-page">

    <!-- =====================================================
         HERO
    ====================================================== -->
    <section class="pm-refund-hero">
        <div class="container pm-refund-hero-content">

            <span class="pm-refund-badge">
                <i class="bi bi-credit-card-2-front-fill"></i>
                Billing, Refunds & Payment Rules
            </span>

            <h1>
                Refund & Payment Policy
            </h1>

            <p>
                This policy explains how payments, payable items, provisional estimates,
                finalized monthly Property Care plan charges, recurring billing cycles,
                wallet use where available, refunds, cancellations, billing disputes,
                and payment-related service conditions are handled within
                Home in Sri Lanka — Property Care.
            </p>

            <div class="pm-refund-meta">
                <span class="pm-refund-meta-pill">
                    <i class="bi bi-wallet2"></i>
                    Payment Center Rules
                </span>

                <span class="pm-refund-meta-pill">
                    <i class="bi bi-arrow-repeat"></i>
                    Monthly Plan Billing
                </span>

                <span class="pm-refund-meta-pill">
                    <i class="bi bi-receipt-cutoff"></i>
                    Refund Review Framework
                </span>
            </div>

        </div>
    </section>


    <!-- =====================================================
         MAIN POLICY CONTENT
    ====================================================== -->
    <section class="pm-refund-main">
        <div class="container">
            <div class="pm-refund-shell">

                <!-- Intro -->
                <div class="pm-refund-intro">
                    <h2>Policy Overview</h2>

                    <p>
                        This Refund & Payment Policy applies to Property Care fees and payment-related
                        transactions processed or displayed through the platform. It should be read together with
                        the Terms & Conditions, Privacy Policy, Disclaimer, and any service-specific care-plan terms.
                    </p>
                </div>


                <div class="pm-refund-grid">

                    <!-- SIDEBAR -->
                    <aside class="pm-refund-sidebar">
                        <div class="pm-refund-sidebar-card">
                            <h5>Policy Contents</h5>

                            <nav class="pm-refund-nav">
                                <a href="#refund-1">1. Scope</a>
                                <a href="#refund-2">2. Payment Model</a>
                                <a href="#refund-3">3. Provisional Estimates</a>
                                <a href="#refund-4">4. Final Care Plan Charges</a>
                                <a href="#refund-5">5. Payment Center Items</a>
                                <a href="#refund-6">6. Recurring Monthly Charges</a>
                                <a href="#refund-7">7. Payment Methods</a>
                                <a href="#refund-8">8. Wallet Balance Use</a>
                                <a href="#refund-9">9. Payment Confirmation</a>
                                <a href="#refund-10">10. Failed or Incomplete Payments</a>
                                <a href="#refund-11">11. Refund Eligibility</a>
                                <a href="#refund-12">12. Non-Refundable Situations</a>
                                <a href="#refund-13">13. Partial Refunds & Adjustments</a>
                                <a href="#refund-14">14. Cancellations</a>
                                <a href="#refund-15">15. Service Suspension</a>
                                <a href="#refund-16">16. Repair Work & Extra Charges</a>
                                <a href="#refund-17">17. Billing Disputes</a>
                                <a href="#refund-18">18. Refund Request Process</a>
                                <a href="#refund-19">19. Processing Time</a>
                                <a href="#refund-20">20. Statutory Rights</a>
                                <a href="#refund-21">21. Policy Updates</a>
                                <a href="#refund-22">22. Contact</a>
                            </nav>

                            <div class="pm-refund-sidebar-note">
                                This policy explains the platform’s payment and refund approach.
                                Case-specific outcomes may depend on service stage, payment status,
                                operational work already completed, and applicable law.
                            </div>
                        </div>
                    </aside>


                    <!-- MAIN CONTENT -->
                    <main class="pm-refund-content">

                        <!-- 1 -->
                        <section class="pm-refund-section" id="refund-1">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">01</span>
                                <h3>Scope of This Policy</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    This Refund & Payment Policy applies to payment-related features,
                                    fees, and transaction records connected to Home in Sri Lanka — Property Care,
                                    including:
                                </p>

                                <ul>
                                    <li>Finalized monthly Property Care plan fees;</li>
                                    <li>Payable items created in the Property Care Payment Center;</li>
                                    <li>Recurring monthly billing items generated for active care plans;</li>
                                    <li>Approved additional service charges where applicable;</li>
                                    <li>Wallet balance usage where enabled;</li>
                                    <li>Online checkout flows and third-party payment gateways;</li>
                                    <li>Refund, cancellation, and billing-dispute requests.</li>
                                </ul>
                            </div>
                        </section>


                        <!-- 2 -->
                        <section class="pm-refund-section" id="refund-2">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">02</span>
                                <h3>Property Care Payment Model</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Property Care is built around a review-based service model:
                                </p>

                                <ol>
                                    <li>The owner creates a Property Care profile.</li>
                                    <li>The owner adds property information.</li>
                                    <li>The owner selects preferred care services.</li>
                                    <li>The platform may display a provisional estimate.</li>
                                    <li>Ensolanka staff review the property and service selection.</li>
                                    <li>A final care plan and final monthly fee may be approved.</li>
                                    <li>The final approved fee becomes payable through the Payment Center.</li>
                                </ol>

                                <div class="pm-refund-highlight">
                                    No monthly care-plan payment should be treated as finalized merely because a provisional estimate appears.
                                    The final approved care plan controls the billable monthly amount.
                                </div>
                            </div>
                        </section>


                        <!-- 3 -->
                        <section class="pm-refund-section" id="refund-3">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">03</span>
                                <h3>Provisional Estimates Are Not Final Charges</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    The estimate calculator is intended to provide a planning figure only.
                                    It may consider property size, service selection, frequency,
                                    and pricing rules configured in the platform.
                                </p>

                                <p>
                                    A provisional estimate:
                                </p>

                                <ul>
                                    <li>Is not a final quotation;</li>
                                    <li>Does not create an immediate payment obligation by itself;</li>
                                    <li>May change after staff review;</li>
                                    <li>May not reflect on-site realities, unusual access needs, or special operational factors;</li>
                                    <li>Cannot be treated as a guaranteed service price.</li>
                                </ul>

                                <div class="pm-refund-warning">
                                    Refund disputes cannot be based solely on the difference between a provisional estimate
                                    and a later staff-approved final care-plan amount.
                                </div>
                            </div>
                        </section>


                        <!-- 4 -->
                        <section class="pm-refund-section" id="refund-4">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">04</span>
                                <h3>Final Care Plan Charges</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    A final monthly Property Care fee becomes relevant after staff review
                                    and care-plan finalization.
                                </p>

                                <p>A final care plan may define:</p>

                                <ul>
                                    <li>Approved plan name or service arrangement;</li>
                                    <li>Final monthly fee;</li>
                                    <li>Included recurring services;</li>
                                    <li>Exclusions;</li>
                                    <li>Start date;</li>
                                    <li>Staff notes or operational conditions.</li>
                                </ul>

                                <p>
                                    Once finalized, the approved monthly fee may be converted into a due payable item
                                    visible in the Property Care Payment Center.
                                </p>
                            </div>
                        </section>


                        <!-- 5 -->
                        <section class="pm-refund-section" id="refund-5">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">05</span>
                                <h3>Payment Center Payable Items</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    The Payment Center may organize payment obligations into categories such as:
                                </p>

                                <ul>
                                    <li>Due items;</li>
                                    <li>Upcoming items;</li>
                                    <li>Paid items;</li>
                                    <li>Optional items where applicable;</li>
                                    <li>Cancelled, waived, or expired items where supported.</li>
                                </ul>

                                <p>
                                    Each payable item may include a title, description, amount,
                                    payment status, due date, effective date, reference code,
                                    and notes used for platform tracking.
                                </p>
                            </div>
                        </section>


                        <!-- 6 -->
                        <section class="pm-refund-section" id="refund-6">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">06</span>
                                <h3>Recurring Monthly Property Care Charges</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Where a monthly Property Care plan is active,
                                    the system may generate recurring monthly payable items.
                                </p>

                                <p>The recurring billing flow may work as follows:</p>

                                <ol>
                                    <li>The current monthly plan fee becomes due.</li>
                                    <li>The owner pays the due item through the accepted payment flow.</li>
                                    <li>The paid payable item is marked as paid.</li>
                                    <li>A new due item may be generated for the next monthly billing cycle.</li>
                                </ol>

                                <div class="pm-refund-highlight">
                                    Recurring payable items help maintain the service billing cycle;
                                    they do not remove the owner’s responsibility to review due items and payment obligations shown in the dashboard.
                                </div>
                            </div>
                        </section>


                        <!-- 7 -->
                        <section class="pm-refund-section" id="refund-7">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">07</span>
                                <h3>Accepted Payment Methods</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Depending on the implementation stage and payment configuration,
                                    the platform may support:
                                </p>

                                <ul>
                                    <li>Card payment flows through a supported payment gateway;</li>
                                    <li>PayPal payments where enabled;</li>
                                    <li>Wallet balance deductions where available;</li>
                                    <li>Other approved payment methods introduced later.</li>
                                </ul>

                                <p>
                                    Any payment method displayed during checkout may be subject to technical availability,
                                    gateway rules, issuer approval, and other external processing conditions.
                                </p>
                            </div>
                        </section>


                        <!-- 8 -->
                        <section class="pm-refund-section" id="refund-8">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">08</span>
                                <h3>Wallet Balance Use</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Where the platform enables wallet balance or account credit,
                                    the owner may be allowed to apply available balance toward an eligible payable item.
                                </p>

                                <ul>
                                    <li>If wallet balance fully covers the payable amount, the item may be marked paid without external gateway charging.</li>
                                    <li>If wallet balance covers only part of the amount, the balance may reduce the amount payable through the selected gateway.</li>
                                    <li>Wallet deductions should be recorded only after the payment flow is confirmed according to the platform logic.</li>
                                </ul>

                                <div class="pm-refund-warning">
                                    Wallet functionality may depend on the final implementation and may not be available in every environment or payment flow.
                                </div>
                            </div>
                        </section>


                        <!-- 9 -->
                        <section class="pm-refund-section" id="refund-9">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">09</span>
                                <h3>Payment Confirmation</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    A payment should be treated as complete only when the platform,
                                    payment gateway, or approved administrative process confirms successful payment.
                                </p>

                                <p>
                                    A successful payment may result in:
                                </p>

                                <ul>
                                    <li>The payable item being marked as paid;</li>
                                    <li>A paid timestamp being recorded;</li>
                                    <li>Relevant checkout/session data being cleared;</li>
                                    <li>The next recurring monthly payable item being generated where applicable.</li>
                                </ul>
                            </div>
                        </section>


                        <!-- 10 -->
                        <section class="pm-refund-section" id="refund-10">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">10</span>
                                <h3>Failed, Cancelled, or Incomplete Payments</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    A payment may fail, remain incomplete, or be cancelled because of:
                                </p>

                                <ul>
                                    <li>Gateway decline;</li>
                                    <li>Bank or card issuer rejection;</li>
                                    <li>Insufficient funds;</li>
                                    <li>Network interruption;</li>
                                    <li>User abandoning checkout before completion;</li>
                                    <li>Incorrect gateway return flow or technical error.</li>
                                </ul>

                                <p>
                                    Unless payment success is actually confirmed,
                                    the related payable item may remain unpaid or due.
                                </p>
                            </div>
                        </section>


                        <!-- 11 -->
                        <section class="pm-refund-section" id="refund-11">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">11</span>
                                <h3>Refund Eligibility</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Refund eligibility may be reviewed case by case.
                                    A refund may be considered where, for example:
                                </p>

                                <ul>
                                    <li>A duplicate payment is verified;</li>
                                    <li>A payment was collected for a payable item later cancelled before service commencement;</li>
                                    <li>A payment was collected in error due to a confirmed platform or administrative issue;</li>
                                    <li>A service could not be commenced after payment and no equivalent alternative arrangement is accepted;</li>
                                    <li>A refund is required under applicable law or a binding decision of a competent authority.</li>
                                </ul>

                                <div class="pm-refund-highlight">
                                    Refund approval is not automatic. Each request may be reviewed based on payment records,
                                    service stage, operational work performed, applicable deductions, and supporting evidence.
                                </div>
                            </div>
                        </section>


                        <!-- 12 -->
                        <section class="pm-refund-section" id="refund-12">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">12</span>
                                <h3>Situations That May Not Qualify for a Full Refund</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    A full refund may not be available where:
                                </p>

                                <ul>
                                    <li>The final care plan was accepted and the service period has already begun;</li>
                                    <li>Scheduled or completed staff work has already been performed;</li>
                                    <li>Inspection, visit, planning, administrative, or coordination work has already occurred;</li>
                                    <li>The owner changes their mind after service commencement;</li>
                                    <li>The owner provided inaccurate property information causing service adjustments;</li>
                                    <li>The fee relates to work already consumed or operationally committed;</li>
                                    <li>Third-party gateway, bank, foreign exchange, or intermediary charges are not recoverable;</li>
                                    <li>The claim relates only to a difference between a provisional estimate and a final approved plan amount.</li>
                                </ul>

                                <div class="pm-refund-danger">
                                    Where services have already started or resources have been committed,
                                    any refund, credit, or adjustment may be partial rather than full.
                                </div>
                            </div>
                        </section>


                        <!-- 13 -->
                        <section class="pm-refund-section" id="refund-13">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">13</span>
                                <h3>Partial Refunds, Credits, and Billing Adjustments</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Where a refund request is partially justified,
                                    Ensolanka may consider an appropriate resolution such as:
                                </p>

                                <ul>
                                    <li>Partial refund;</li>
                                    <li>Wallet credit where enabled;</li>
                                    <li>Billing adjustment against a future payable item;</li>
                                    <li>Service credit or agreed alternative support;</li>
                                    <li>Administrative correction of an incorrect payable item.</li>
                                </ul>

                                <p>
                                    The applicable resolution depends on the facts of the case,
                                    the stage of service, the type of payment involved,
                                    and whether costs have already been incurred.
                                </p>
                            </div>
                        </section>


                        <!-- 14 -->
                        <section class="pm-refund-section" id="refund-14">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">14</span>
                                <h3>Cancellation of Property Care Plans</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Owners may request cancellation or non-renewal of a Property Care plan.
                                    Cancellation handling may depend on:
                                </p>

                                <ul>
                                    <li>The care-plan terms;</li>
                                    <li>The current billing cycle;</li>
                                    <li>Whether the upcoming month has already been paid;</li>
                                    <li>Whether service work is already scheduled or underway;</li>
                                    <li>Whether outstanding unpaid items exist.</li>
                                </ul>

                                <p>
                                    A cancellation request does not automatically reverse already completed
                                    or already consumed service periods.
                                </p>
                            </div>
                        </section>


                        <!-- 15 -->
                        <section class="pm-refund-section" id="refund-15">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">15</span>
                                <h3>Non-Payment and Service Suspension</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    If required monthly Property Care fees remain unpaid,
                                    Ensolanka may delay, pause, or suspend related services,
                                    subject to the applicable service arrangement.
                                </p>

                                <p>
                                    Suspension may affect:
                                </p>

                                <ul>
                                    <li>Routine maintenance visits;</li>
                                    <li>Scheduled service execution;</li>
                                    <li>Report updates associated with inactive service periods;</li>
                                    <li>Emergency response support where tied to an active paid plan.</li>
                                </ul>

                                <div class="pm-refund-warning">
                                    Owners should monitor the Payment Center and complete due payments on time
                                    to avoid disruption to service continuity.
                                </div>
                            </div>
                        </section>


                        <!-- 16 -->
                        <section class="pm-refund-section" id="refund-16">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">16</span>
                                <h3>Repair Work Orders and Additional Charges</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Property Care monthly plan fees do not automatically include all future repairs,
                                    replacement purchases, contractor costs, or urgent third-party work.
                                </p>

                                <p>
                                    If a visit or inspection identifies a repair issue,
                                    a separate work order, quotation, approval flow, or additional payable item may be required.
                                </p>

                                <ul>
                                    <li>Estimated repair cost may differ from final repair cost;</li>
                                    <li>Approval may be required before non-routine expenditure;</li>
                                    <li>Third-party contractor charges may follow separate cancellation or refund limitations;</li>
                                    <li>Refunds for repair-related work depend on the specific work status and terms.</li>
                                </ul>
                            </div>
                        </section>


                        <!-- 17 -->
                        <section class="pm-refund-section" id="refund-17">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">17</span>
                                <h3>Billing Disputes</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    If you believe a Property Care charge is incorrect,
                                    you should contact Ensolanka promptly with:
                                </p>

                                <ul>
                                    <li>Your account email or username;</li>
                                    <li>The related property name or reference where applicable;</li>
                                    <li>The payable item or transaction reference;</li>
                                    <li>The reason for the dispute;</li>
                                    <li>Any supporting screenshots, payment receipts, or documents.</li>
                                </ul>

                                <p>
                                    Ensolanka may review dashboard records, payment-center records,
                                    care-plan status, gateway confirmation, and service-stage information before responding.
                                </p>
                            </div>
                        </section>


                        <!-- 18 -->
                        <section class="pm-refund-section" id="refund-18">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">18</span>
                                <h3>Refund Request Process</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    To request a refund or billing review, contact Ensolanka through the official support channels
                                    and provide enough detail for the team to locate and evaluate the transaction.
                                </p>

                                <div class="pm-refund-table-wrap">
                                    <table class="pm-refund-table">
                                        <thead>
                                            <tr>
                                                <th>Information Needed</th>
                                                <th>Purpose</th>
                                            </tr>
                                        </thead>
                                        <tbody>
                                            <tr>
                                                <td><strong>Account email / username</strong></td>
                                                <td>Helps identify the owner account.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Property name</strong></td>
                                                <td>Links the request to the relevant Property Care record.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Payment reference</strong></td>
                                                <td>Helps locate the payable item or transaction.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Reason for request</strong></td>
                                                <td>Explains the issue for review.</td>
                                            </tr>
                                            <tr>
                                                <td><strong>Supporting evidence</strong></td>
                                                <td>May include receipts, screenshots, or correspondence.</td>
                                            </tr>
                                        </tbody>
                                    </table>
                                </div>
                            </div>
                        </section>


                        <!-- 19 -->
                        <section class="pm-refund-section" id="refund-19">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">19</span>
                                <h3>Refund Processing Time</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Refund review and processing time may vary depending on:
                                </p>

                                <ul>
                                    <li>The complexity of the request;</li>
                                    <li>Availability of supporting records;</li>
                                    <li>Payment gateway processes;</li>
                                    <li>Banking settlement timelines;</li>
                                    <li>Whether a partial adjustment or service review is required.</li>
                                </ul>

                                <p>
                                    Where a refund is approved, the return method may depend on the original payment channel,
                                    gateway limitations, or another agreed resolution method.
                                </p>
                            </div>
                        </section>


                        <!-- 20 -->
                        <section class="pm-refund-section" id="refund-20">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">20</span>
                                <h3>Statutory Rights and Consumer Complaints</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Nothing in this policy is intended to remove rights or remedies
                                    that may be available under applicable law.
                                </p>

                                <p>
                                    In Sri Lanka, the Consumer Affairs Authority states that it receives complaints
                                    relating to goods and services, and its published FAQ describes possible inquiry outcomes
                                    that may include compensation, replacement, or refund depending on the circumstances.
                                </p>

                                <div class="pm-refund-highlight">
                                    This policy explains Ensolanka’s internal refund and payment-handling approach,
                                    while applicable legal rights remain subject to the relevant laws and competent authorities.
                                </div>
                            </div>
                        </section>


                        <!-- 21 -->
                        <section class="pm-refund-section" id="refund-21">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">21</span>
                                <h3>Updates to This Policy</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    Ensolanka may update this Refund & Payment Policy from time to time to reflect:
                                </p>

                                <ul>
                                    <li>Changes to payment gateway integration;</li>
                                    <li>Changes to wallet or account-credit functionality;</li>
                                    <li>New payable-item types;</li>
                                    <li>Updates to Property Care billing practices;</li>
                                    <li>Changes to cancellation or refund workflows;</li>
                                    <li>Legal, accounting, or operational updates.</li>
                                </ul>

                                <p>
                                    The revised version will apply when published on the relevant website page,
                                    unless a later effective date is specifically stated.
                                </p>
                            </div>
                        </section>


                        <!-- 22 -->
                        <section class="pm-refund-section" id="refund-22">
                            <div class="pm-refund-section-header">
                                <span class="pm-refund-section-number">22</span>
                                <h3>Contact Us About Payments or Refunds</h3>
                            </div>

                            <div class="pm-refund-section-body">
                                <p>
                                    For payment questions, refund requests, billing disputes, or cancellation inquiries,
                                    contact Ensolanka through the official support channels.
                                </p>

                                <div class="pm-refund-contact-card">
                                    <h5>Suggested Contact Channels</h5>

                                    <div class="pm-refund-contact-list">
                                        <div><strong>Email:</strong> info@ensolanka.com</div>
                                        <div><strong>Support:</strong> support@ensolanka.com</div>
                                        <div><strong>USA WhatsApp:</strong> +1 307 218 2541</div>
                                        <div><strong>Asia WhatsApp:</strong> +94 71 697 8355</div>
                                    </div>
                                </div>
                            </div>
                        </section>


                        <!-- Bottom CTA -->
                        <div class="pm-refund-bottom-cta">
                            <h3>Need Help With a Payment or Refund Question?</h3>

                            <p>
                                Contact the Ensolanka Property Care team with your account details,
                                property reference, and payment information so we can review the matter properly.
                            </p>

                            <div class="pm-refund-bottom-actions">
                                <a href="{% url 'property_manager_app:contact_property_manager' %}"
                                   class="btn btn-warning">
                                    <i class="bi bi-envelope-fill me-2"></i>
                                    Contact Us
                                </a>

                                <a href="{% url 'property_manager_app:property_care_payment_center' %}"
                                   class="btn btn-outline-light">
                                    <i class="bi bi-credit-card-2-front-fill me-2"></i>
                                    Payment Center
                                </a>

                                <a href="{% url 'property_manager_app:property_care_terms' %}"
                                   class="btn btn-outline-light">
                                    <i class="bi bi-file-earmark-lock-fill me-2"></i>
                                    Terms & Conditions
                                </a>
                            </div>
                        </div>

                    </main>

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

</section>

{% endblock %}