YPI.BG Payments and Refund Policy
Public policy for subscriptions, advertising packages and paid platform services
Effective Date: 22/05/2026
1. Scope and relationship with other terms
This Payments and Refund Policy applies to all paid services purchased from YPI LLC, a company incorporated in Sharjah Media City Free Zone, United Arab Emirates, Formation No. 2428370, Licence No. 2428370.01, trading as YPI.BG through www.ypi.bg, mobile applications, dashboards, order forms, invoices, bank transfers or any other approved channel.
The Platform is operated, maintained and managed exclusively from outside the European Union by YPI LLC (UAE). The provision of access to the Platform to users in Bulgaria or the EU does not constitute, and shall not be interpreted as, the creation of a permanent establishment, fixed place of business, branch, representative office, tax residency, VAT establishment, brokerage licence requirement, local intermediary status or any other form of regulatory presence of YPI LLC within the Republic of Bulgaria or any other EU Member State.
This Policy forms part of the YPI.BG Terms of Use. If there is a conflict between this Policy and a signed advertising agreement or order form, the signed document prevails only to the extent of the conflict.
2. Services covered
Agency, developer, broker, owner and business subscriptions;
featured listings, diamond listings, verified listings and similar visibility products;
advertising campaigns, sponsored placements and profile branding;
CRM, dashboard, analytics, lead-management or productivity tools;
one-off promotional packages, bundles, upgrades, renewals, add-ons or custom services.
YPI.BG provides online services and digital advertising products. We do not sell physical goods, do not broker property transactions and do not guarantee that a property will sell, rent, receive enquiries or generate leads.
3. Pricing, VAT, Taxes and Reverse-Charge Responsibility
Prices are shown on the Platform, invoice, order form or written offer and are exclusive of VAT and all applicable taxes unless expressly stated otherwise.
All Paid Services are strictly B2B (business-to-business) and are offered exclusively to corporate entities, licensed agencies, developers, advertisers and professional business users. Individual consumers are not permitted to purchase Paid Services.
For business clients established or tax-resident in Bulgaria or another EU Member State, where the reverse-charge mechanism applies under applicable VAT rules, the Client is solely and exclusively responsible for self-assessing, reporting, accounting for and remitting any applicable VAT or similar tax to its local tax authorities.
YPI LLC operates as a non-EU entity. For B2B transactions where the reverse-charge mechanism applies, YPI LLC will not collect, report or remit EU VAT on behalf of the Client.
The Client remains fully responsible for all taxes, withholding taxes, digital services taxes, reporting obligations and compliance with local tax rules in its jurisdiction. YPI.BG does not provide tax advice.
YPI.BG may request business status, company registration details, VAT number or equivalent tax information before activating any Paid Service. If a user cannot verify business status, YPI.BG may reject, suspend, terminate or decline activation of the Paid Service.
By confirming an order or payment, the Client represents and warrants that it is purchasing as a business user and not as an individual consumer.
4. Payment methods and authorisation
YPI.BG may accept card payments, bank transfers, payment links, online payment gateways or other payment methods made available from time to time. By submitting payment details or confirming an order, you authorise YPI.BG and its payment providers to charge the applicable amount.
Full card numbers and sensitive payment credentials should be processed by the payment provider, not by YPI.BG, unless a lawful exception applies. YPI.BG may keep payment status, invoice, refund, masked card and transaction reference records for accounting, compliance, fraud prevention and dispute resolution.
5. Invoices, activation and delivery
A paid service may be activated only after YPI.BG receives cleared funds or confirms the order in writing. YPI.BG may delay, suspend or cancel activation where payment is pending, reversed, flagged as suspicious, subject to sanctions screening, or where required information has not been provided.
For advertising products, delivery means making the relevant digital service, listing placement, dashboard feature, profile branding, ad slot or campaign setting available in accordance with the order. YPI.BG does not guarantee a specific number of views, clicks, calls, enquiries, conversions, sales, leases or transactions.
6. Subscriptions, renewals and cancellation
Unless the order states otherwise, subscription fees are payable in advance.
Recurring subscriptions may renew automatically if this is clearly disclosed at checkout, in the order form or in the dashboard.
Customers must cancel before the renewal date to avoid the next charge, unless a longer notice period is stated in a signed order form.
Cancellation stops future renewals but does not entitle the customer to a refund for the current billing period unless required by law or agreed in writing by YPI.BG.
YPI.BG may suspend or terminate services for non-payment, chargeback, misuse, suspected fraud, regulatory breach or breach of the Terms of Use.
7. Refund position
To the fullest extent permitted by applicable law, all fees paid to YPI.BG are non-refundable once the relevant service, listing placement, subscription period, advertising campaign, dashboard access, verification review or other paid feature has started or been made available.
No refund is due merely because a listing receives fewer views than expected, a property does not sell or rent, a user does not receive leads, a campaign does not produce a desired result, a customer changes its mind, a customer stops using the service, or YPI.BG removes or restricts content due to breach, suspected breach or regulatory concerns.
YPI.BG may, at its sole discretion, provide a refund, service credit, extension, replacement placement or other remedy. Any discretionary remedy does not create a precedent or waiver of rights.
8. Refund method and timing
Where a refund is approved by YPI.BG or legally required, it will normally be processed to the original payment method used for the transaction, subject to payment provider timelines, banking rules, fraud checks and verification requirements.
If the original payment method is inactive, expired or unavailable, the customer must notify YPI.BG before processing and provide satisfactory evidence of an alternative payment method.
YPI.BG may refuse an alternative refund method where it raises AML, sanctions, fraud, ownership, chargeback or compliance concerns.
Once YPI.BG provides proof that the refund has been initiated or completed, delays or access issues caused by the bank, card issuer or payment provider must be resolved directly with that provider.
9. Failed payments, chargebacks and collection costs
If a payment fails, is reversed or becomes subject to a chargeback, YPI.BG may suspend services, remove paid placements, downgrade accounts, restrict access, recover unpaid amounts and charge reasonable administrative, bank and legal costs incurred in connection with the failed payment or chargeback.
A chargeback or payment dispute does not remove the customer’s contractual obligations. YPI.BG may provide evidence of service activation, acceptance of terms, account usage, order forms, invoices, communications, IP logs and platform records to payment providers, banks, courts or authorities where necessary.
10. Promotions, free trials and credits
Promotional credits, free trials, discounts, coupons or free listing periods have no cash value, are not transferable, may be withdrawn or amended at any time and cannot be exchanged for cash unless expressly required by law.
YPI.BG may refuse, cancel or reverse promotional benefits where it suspects abuse, multiple accounts, fake listings, misleading information, regulatory non-compliance or breach of the Terms of Use.
11. Complaints and billing disputes
Billing issues should be reported promptly to [email protected] with the invoice number, transaction reference, account email and a clear description of the issue. YPI.BG will review complaints in good faith but reserves all contractual rights and remedies.
12. Changes to this Policy
YPI.BG may update this Policy from time to time. Changes apply from the date they are published or otherwise notified, and to future orders, renewals and billing periods unless stated otherwise.