This Policy outlines payment procedures, booking confirmation, refund eligibility, dispute handling, and related financial terms applicable to Clients using SkillHive Global.

By booking a service through the Platform, you agree to this Policy.

SkillHive Global operates as a technology marketplace connecting Clients with independent Professionals.

SkillHive Global:

• Is not the service provider
• Is not the employer of Professionals
• Does not directly perform services
• Acts solely as a facilitator for communication and secure payment processing

All services are delivered independently by registered Professionals.

All paid services must follow this structured process:

1. The Client connects with a Professional through SkillHive Global chat.
2. Service scope, timeline, and pricing are discussed within the Platform.
3. The Professional sends a formal Offer.
4. The Client reviews and accepts the Offer.
5. The Client completes payment through the Platform.
6. The job is officially booked.

A service is considered confirmed only after payment is successfully completed.

• Full payment must be made through the Platform to confirm booking.
• Payments made outside the Platform are not protected under this Policy.
• SkillHive Global uses secure payment processing systems.
• The Platform may hold payments temporarily until service completion.

Client payments are securely held until service completion.

Payment is released to the Professional when:

• The Client confirms service completion, OR
• 48 hours pass after service completion without a dispute being raised.

This mechanism ensures fairness for both Clients and Professionals.

Refund Request Window

Clients may request a refund within 2 days of the scheduled service date if:

• The service was not delivered.
• The service materially differed from the agreed scope.
• There was clear non-performance by the Professional.

Refund requests must be submitted through the Platform or via official contact email.

Refund Review Process

• Funds may be temporarily held during review.
• Both Client and Professional may be required to submit evidence.
• SkillHive Global will assess available information to determine a fair resolution.
• The Platform reserves sole discretion in dispute decisions.

Refund Processing Timeline

If a refund is approved:

• It will be processed within 7 business days.
• Processing timelines may vary depending on banks or payment providers.
• Administrative or processing charges may be non-refundable where costs have already been incurred.

Clients agree to:

• Provide accurate service requirements.
• Communicate respectfully within the Platform.
• Confirm service completion only after satisfaction.
• Raise disputes within the specified timeframe.
• Avoid requesting off-platform payments or contact sharing.

For services involving physical visits (where applicable):

• Clients are advised to verify the Professional’s original CNIC upon arrival.
• Clients are responsible for their personal safety precautions.
• SkillHive Global performs basic verification processes but does not guarantee conduct or behavior.

SkillHive Global does not provide protection for:

• Payments made outside the Platform.
• Agreements finalized privately after bypassing the system.
• Disputes arising from off-platform arrangements.

Clients are strongly advised to complete all payments within the Platform.

In case of disputes:

• Payments may be temporarily placed on hold.
• The Platform may investigate based on available evidence.
• The decision made by SkillHive Global shall be final and binding.

SkillHive Global does not act as a legal arbitrator and does not assume liability beyond platform facilitation.

SkillHive Global shall not be liable for:

• Service quality issues
• Professional performance
• Indirect or consequential damages
• Banking or technical delays
• Losses arising from misuse of the Platform

The Platform acts solely as an intermediary.

SkillHive Global reserves the right to update this Policy at any time.

Continued use of the Platform constitutes acceptance of updated terms.

For payment or refund-related inquiries:

• WhatsApp: +92 305 9999437
• Email: skillhiveglobal@gmail.com
• Website: www.skillhiveglobal.com