Billing policy

This policy explains how MNF Infotech charges for its services and how money moves through an engagement, so that a client, a finance reviewer or an advertising platform reviewer can understand our billing model without reading a contract.

It describes our approach. It is not a price list and not an offer: where this page differs from the proposal, invoice or service agreement between us, that agreement governs.

MNF INFOTECH is a proprietorship owned by Nancy Gopal Savaliya, with its principal place of business in Nana Varachha, Surat, Gujarat, India. Billing correspondence should be sent to contact@mnfinfotech.com.

Depending on what we do for you, an engagement can involve up to five kinds of charge. They behave differently, they are invoiced differently, and in several cases the money never reaches us at all.

Project fees

Fees for a defined piece of work with an agreed scope — an app, a website, an API, a data pipeline, a migration — quoted for the scope as a whole or against agreed stages of delivery.

Retained technology work

Fees for ongoing engineering, maintenance, support or iteration provided over a period rather than against a single deliverable.

Advertising management fees

Fees for our work on your advertising: account structure, campaign build, creative direction, measurement, optimisation and reporting. This pays for our time and judgement, not for advertising itself.

Media and advertising spend

The money an advertising platform charges for showing your ads. It follows the budgets you authorise and the platform auctions, and it is paid to the platform.

Third-party and platform charges

Costs raised by services your product depends on: cloud hosting, app store or developer programme fees, email and messaging providers, APIs, domains, certificates and software licences.

Few engagements include every line. A fixed-scope build may involve only a project fee and a modest cloud bill; a growth engagement may involve a management fee and substantial media spend with no build work at all.

This is the distinction that matters most in this policy, and we keep it visible on every invoice and in every report.

Our fees are our revenue: we earn them for work we perform. Media spend is not. It is money that ends up with an advertising platform in exchange for advertising inventory, and it passes through — or entirely around — us without becoming ours.

• A media budget is a ceiling you authorise, not a fee we quote. If a campaign is paused or underspends, the unspent amount was never ours to keep.
• Raising your media budget does not raise what we earn, unless your agreement expressly links our fee to spend — in which case that link is written into the agreement.
• Media spend is charged by the platform under the platform's own rules: its auction, its billing thresholds, its invoices and its currency conversion.
• We report spend and results separately from our fees, so you can always see which is which.

There are two ways advertising money reaches a platform. Which one applies to you is agreed in writing before any campaign goes live, and it does not change without a further written agreement.

Client-billed spend, paid direct to the platform

In most engagements the advertising account belongs to you and your own payment method is attached to it. The platform charges you directly, you receive its invoices and receipts, and we never hold your advertising money. We invoice you for our management fee only.

• The account, its billing profile and its payment instrument stay in your name and under your control.
• Budget and bid changes are made by us inside your account, within the limits you have authorised.
• Platform invoices, payment failures and credit limits are matters between you and the platform. We assist and explain; we do not decide them.

Agency-billed spend, under a documented arrangement

Where you ask us to fund or route spend on your behalf, the arrangement is documented before it begins: what is funded, on which accounts, up to what limit, how it is invoiced and how it is reconciled. Amounts recovered from you are a recovery of spend already incurred with the platform, not a fee for our services, and they appear on the invoice as their own line.

• Spend is reconciled against the platform's own reporting for the period, and that reporting is the record we work from.
• We do not advance spend beyond the limit recorded in the arrangement.
• Where spend is invoiced in advance, anything not spent is carried to the following period or returned, as the arrangement provides.

Cloud infrastructure, developer programmes, email providers, analytics tools, APIs, domains, certificates and software licences all raise charges of their own. Those charges are governed by the terms and billing systems of the organisation providing them, not by ours.

• Wherever practical we ask you to hold these accounts in your own name, with your own payment method. That keeps ownership, access and billing history with you, including after our engagement ends.
• Where we hold or configure such an account on your behalf, it is agreed in writing and the provider's charges are passed through to you as a separate line.
• Usage-based charges — compute, storage, bandwidth, message volume, API calls — move with real usage. We can estimate them and work to optimise them, but we cannot fix another organisation's meter.
• A provider may change its prices, tiers or terms at any time. We tell you when we become aware of a change that affects you.

We are independent of every platform and vendor we work with. We hold no partnership, certification, endorsement or authorisation from any of them, and nothing we invoice is collected on their behalf beyond a documented pass-through.

MNF INFOTECH is registered under the Goods and Services Tax regime in India. Our GSTIN is 24HQXPB6184C1ZK, the registration type is Regular, and the registration took effect on 03 September 2026.

• Applicable Indian taxes are charged on our invoices as required by law, shown as their own line with the rate applied.
• Our GSTIN appears on every invoice we issue. If you are registered, give us your GSTIN before we invoice so it is recorded correctly on the document.
• For clients outside India, the treatment of a supply is determined by the rules in force at the time of supply, including the place-of-supply and export provisions. We apply them as they stand and show the treatment on the invoice.
• Where law requires tax to be withheld or deducted at source on a payment to us, deduct it as required and send us the certificate or evidence, so the payment can be reconciled against the invoice.

Taxes charged by a platform or vendor on their own supplies to you appear on their invoices, under their own registrations, and are not something we can alter. We do not advise on your tax position; that is a matter for your own adviser.

Invoices are issued to the billing contact and address you give us, and sent by email to that contact. An invoice from us states the following.

• Our trade name, principal place of business and GSTIN
• Your billing name and address, and your GSTIN where you have one
• An invoice number and date, and the period or deliverable the charge relates to
• Each charge separately — our fees, any recovered media spend, any pass-through third-party costs
• Tax as its own line with the rate applied, and the total payable
• Payment details, and the payment terms recorded in the applicable proposal or service agreement

Currency and bank charges

The currency of an invoice is the one recorded in the applicable agreement. Where payment is made in another currency or across borders, the exchange rate applied by your bank, together with any transfer, intermediary or receiving charges, is yours to bear: an invoice is settled when the full invoiced amount has reached us. Platform and vendor invoices are converted by those platforms and vendors at rates outside our control.

Money is committed on your instruction, not on our initiative. That applies to advertising budgets and to anything else carrying a charge.

1. 01Media budgets, and every increase to them, are set or approved by you in writing before they take effect. We do not raise a budget on our own judgement.
2. 02Where a test or a seasonal push needs additional spend, we set out what we propose, over what period and what we expect to learn, then wait for your confirmation.
3. 03Standing authorisations — an agreed monthly budget that continues until changed, for example — are recorded in the agreement, and either of us may change them in writing.
4. 04New infrastructure or third-party services that carry a charge are proposed to you before they are provisioned.

Changes of scope work the same way. Work outside an agreed scope — new features, additional platforms, extra environments, or rebuilding something already accepted — is estimated and confirmed in writing before it starts, and invoiced on the basis agreed at that point.

If a request would materially affect cost or timing, we say so when we are asked, not once the work is done.

If an invoice is not paid

The period allowed for payment is stated in the applicable proposal, invoice or service agreement. If an invoice remains unpaid after it falls due and we have not agreed otherwise, we may pause work on your engagement until it is settled.

• We tell you before anything is paused, and we say what will stop.
• A pause may include suspending development, releases, campaign management and reporting.
• Where spend is funded under an agency-billed arrangement, we may stop funding it. Campaigns then continue on your own payment method or they stop, depending on how the account is set up.
• A pause does not end the engagement, and does not remove your liability for work already performed or spend already incurred.
• Any charge for late payment applies only where the applicable agreement provides for one, and on the basis that agreement states. We do not apply charges that were never agreed.

If you think an invoice is wrong

Raise it in writing at contact@mnfinfotech.com, before the invoice falls due wherever you can, and tell us which line you are disputing and why.

1. 01We acknowledge the query and confirm what we understand to be in dispute.
2. 02We investigate against our records: the agreed scope, our work log, and the platform or vendor reporting for the period.
3. 03We come back with what we found — a correction and a credit note where we are wrong, or an explanation with the underlying figures where we are not.
4. 04Lines on the same invoice that are not in dispute remain payable while the disputed line is examined.

Either of us may end an engagement in the manner the applicable agreement provides. Ending it stops future work; it does not unwind what has already happened.

• Work performed up to the effective date of cancellation is chargeable, whether or not it has already been invoiced.
• Media spend already delivered by a platform is payable, because the advertising has been served and the platform will charge for it regardless of what we agree between ourselves.
• Third-party charges already incurred, and commitments that cannot be cancelled — an annual licence, a developer programme fee, a reserved instance — remain payable.
• Amounts paid in advance for work not yet performed are dealt with under our refund policy and the applicable agreement.

On cancellation we stop or hand back campaign management as you direct, and provide the invoices, reports and reconciliations up to the end date so your records are complete. Where accounts are held in your own name, access stays with you and we come off them.