COMMERCIAL TRADE ACCOUNT TERMS
Invoice Payment Terms for Business Customers
Last Updated: June 15, 2026
These Commercial Trade Account Terms apply to eligible business customers that purchase goods or
services from CEO Creative, Inc. and are approved for commercial invoice payment terms.
For purposes of these terms, “Company,” “we,” “us,” or “our” means CEO Creative, Inc. “Customer,”
“you,” or “your” means the business entity purchasing goods or services from Company. “Order” means a
purchase order, checkout order, quote, invoice, service order, statement of work, or other order accepted
by Company. “Products” means goods, merchandise, digital products, creative services, website
services, or other products or services sold by Company.
1. Business Purpose Only
Commercial Trade Accounts are available only to business customers purchasing Products for business
or commercial purposes.
By applying for or using commercial invoice payment terms, Customer represents and agrees that:
1. Customer is a business, organization, or authorized representative of a business;
2. Customer is purchasing Products for business, commercial, or organizational use;
3. Products are not being purchased primarily for personal, family, or household purposes;
4. the person accepting these terms is authorized to bind Customer; and
5. all information submitted to Company is true, complete, and accurate.
Company does not offer consumer credit under these Commercial Trade Account Terms.
2. Account Review and Approval
Company may review Customer’s eligibility for commercial invoice payment terms before approving an
account, accepting an Order, establishing a trade limit, or continuing to offer payment terms.
Customer authorizes Company to request, collect, verify, retain, and use commercially reasonable
business information for account review, order review, fraud prevention, payment processing, collections,
and commercial account reporting.
This information may include:
1. legal business name;
2. trade name or DBA;
3. business address;
4. business phone number;
5. business email address;
6. taxpayer identification number or other business identifier;
7. business registration information;
8. officer, owner, or authorized representative information;
9. trade references;
10. bank references;
11. business credit reports;
12. public records;
13. invoice history;
14. payment history; and
15. other information reasonably related to the commercial business relationship.
Approval is not guaranteed. Company may approve, deny, suspend, reduce, increase, or revoke
commercial invoice payment terms at its discretion.
3. Trade Limit
Company may establish a trade limit for Customer’s Commercial Trade Account.
A trade limit is the maximum amount Company may allow Customer to have outstanding under
commercial invoice payment terms at a given time.
Company may modify, suspend, reduce, increase, or revoke a trade limit at any time based on account
activity, payment history, business information, suspected fraud, operational risk, or other commercially
reasonable factors.
Approval of a Commercial Trade Account does not require Company to approve any particular Order or
future purchase.
4. Orders
Customer may place Orders through Company’s website, account portal, checkout process, quote,
invoice, or other approved ordering method.
All Orders are subject to Company’s acceptance. Company may accept, reject, cancel, limit, or condition
any Order for reasons including product availability, account status, payment history, suspected fraud,
trade limit status, or other business reasons.
An Order is accepted only when Company confirms acceptance, ships the applicable Products, begins
performance of services, or issues an invoice.
5. Pricing, Taxes, and Shipping
Prices are stated in the applicable Order, quote, invoice, checkout page, or account portal.
Unless otherwise stated, prices do not include shipping, handling, taxes, duties, or other governmental
charges.
Customer is responsible for all applicable taxes, shipping charges, handling charges, processing
charges, and other charges disclosed in the applicable Order or invoice, except where Customer
provides a valid exemption certificate accepted by Company.
6. Commercial Trade Account Invoice Payment Terms
If Customer is approved for commercial invoice payment terms, Company may permit Customer to pay
eligible invoices within thirty calendar days from the invoice date.
Unless otherwise stated on the invoice or Order, payment is due thirty calendar days from the invoice
date.
Commercial Trade Account payment terms are not a loan, credit card, revolving credit plan, consumer
financing arrangement, or commitment to approve future purchases. They are commercial invoice
payment terms offered in connection with Customer’s purchase of Products from Company.
Payment terms are extended only in connection with bona fide purchases of Products and resulting
accounts receivable transactions.
Company may require a deposit, down payment, prepayment, payment method on file, or partial payment
before accepting an Order, shipping Products, or beginning services.
7. Deposits and Partial Payments
Certain Orders may require a deposit or partial payment at the time of purchase.
Unless otherwise stated in the applicable Order:
1. deposits are applied toward the purchase price of the applicable Order;
2. the remaining balance will be invoiced by Company;
3. the invoiced balance is due according to the payment terms stated on the invoice; and
4. deposits may be non-refundable once Products are ordered, reserved, customized, shipped, or
services have begun, except as required by applicable law or expressly stated in writing by
Company.
Company may offer different deposit requirements based on the type of account, product, service,
Order amount, account history, or other commercially reasonable factors.
8. Invoices
Company may issue invoices electronically through Customer’s account portal, by email, or by another
commercially reasonable method.
Customer is responsible for keeping billing contact information current.
Each invoice may include, as applicable:
1. Customer name and billing information;
2. invoice number;
3. invoice date;
4. Order details;
5. Products purchased;
6. shipping, taxes, and fees;
7. payments or deposits applied;
8. amount due;
9. due date; and
10. payment instructions.
Customer is responsible for reviewing invoices promptly.
9. Invoice Disputes
Customer must notify Company in writing of any invoice dispute within ten calendar days after the invoice
date.
The written notice must identify:
1. the invoice number;
2. the disputed amount;
3. the specific reason for the dispute; and
4. any supporting documentation.
Customer must pay all undisputed amounts by the invoice due date.
Amounts not disputed in writing within the dispute period will be deemed accepted and payable according
to the invoice terms, except to the extent prohibited by applicable law.
Company and Customer will work in good faith to resolve properly submitted invoice disputes.
Submission of an invoice dispute does not suspend Customer’s obligation to pay undisputed amounts.
10. Payment Methods
Company currently accepts payment by credit card through approved payment processors and account
portal payment methods supported by Company.
Customer authorizes Company and its payment processors to process payments submitted by
Customer.
If Customer separately authorizes automatic payment or keeps a payment method on file, Customer
authorizes Company to charge that payment method for amounts due according to the authorization
provided at checkout, in the account portal, on the applicable Order, or in a separate written
authorization.
A declined card, failed payment, payment reversal, or chargeback does not cancel Customer’s obligation
to pay valid amounts owed for Products ordered, delivered, shipped, or performed.
Company may suspend Orders, revoke invoice payment terms, pause services, or restrict account
access if payment authorization fails or if amounts remain unpaid.
11. Past-Due Invoices
Invoices not paid by the due date are considered past due.
Company may, to the extent permitted by applicable law, assess a flat late fee of $25.00 on past-due
invoices.
Company may also suspend or revoke invoice payment terms, reduce Customer’s trade limit, require
prepayment for future Orders, pause shipments, stop work, cancel pending Orders, close Customer’s
account, or pursue collection activity if amounts remain unpaid.
If amounts remain unpaid, Company may classify the account as closed, charged off, placed for
collection, or subject to other collection status or action, where applicable. These statuses or actions may
be used in Company’s records and may be reported to commercial credit reporting agencies or business
information services as permitted by applicable law and reporting rules.
12. Collection Costs
Customer is responsible for reasonable costs incurred by Company to collect past-due amounts,
including collection agency fees, court costs, arbitration fees, and reasonable attorneys’ fees, to the
extent permitted by applicable law.
13. Chargebacks and Payment Reversals
If Customer initiates a chargeback, payment reversal, or similar payment dispute for an amount owed to
Company, Company may investigate the dispute and provide transaction records, invoices, delivery
confirmations, account records, communications, and other relevant documentation to the payment
processor, financial institution, collections provider, or applicable service provider.
A chargeback or payment reversal does not, by itself, cancel Customer’s obligation to pay for Products
ordered, delivered, shipped, or performed.
If a payment is reversed and the underlying amount remains validly owed, Company may reissue the
invoice or continue collection activity for the unpaid balance.
Company will not report an amount as past due solely because Customer submitted a timely, good-faith
invoice dispute that remains unresolved. Company may report accurately verified unpaid amounts,
including amounts that remain unpaid after a dispute is resolved against Customer.
14. Commercial Account Reporting Authorization
Customer authorizes Company and its service providers to report Customer’s commercial account
information and payment experience to business credit bureaus, commercial credit reporting agencies,
trade credit databases, financial institutions, credit references, and other business information services.
Company makes commercially reasonable efforts to report only accurate, complete, and bona fide
commercial accounts receivable data. Customer acknowledges that accurate reporting depends on
Customer providing complete and accurate business information and promptly notifying Company of
changes.
Information reported may include, without limitation:
1. Customer’s legal business name;
2. trade name or DBA;
3. business address;
4. business phone number;
5. business email address;
6. taxpayer identification number or other business identifier;
7. account opening date;
8. invoice dates;
9. invoice amounts;
10. payment amounts;
11. payment dates;
12. account balance;
13. payment status;
14. past-due status;
15. dispute status, where applicable;
16. chargeback or returned payment status;
17. account closure, charge-off, collection, or other account status or action, where applicable; and
18. other commercial account and payment history information.
Company may report commercial account and payment information to business credit reporting
agencies. Reporting timelines, bureau acceptance, and the impact of reported information may vary.
15. Accuracy, Corrections, and Reporting Disputes
Customer is responsible for providing accurate business information and promptly notifying Company of
any changes.
If Customer believes Company has reported inaccurate commercial account information, Customer may
submit a written dispute to Company.
The dispute should include:
1. Customer’s legal business name;
2. account number or invoice number, if available;
3. the specific information Customer believes is inaccurate;
4. the reason Customer believes the information is inaccurate; and
5. supporting documentation.
Company may request documentation to verify account identity, invoice history, payment history, dispute
status, account ownership, or other information reasonably necessary to review the dispute or confirm
the accuracy of reported information.
Company will review commercially reasonable disputes and, if Company determines that information it
reported was inaccurate or incomplete, Company may correct, update, or request deletion of the
information as appropriate.
Company will not knowingly furnish information it has determined to be inaccurate, incomplete, or not
attributable to a bona fide accounts receivable transaction.
16. Data Retention for Reporting, Verification, and Disputes
Company may retain commercial account records, invoices, payment records, transaction records,
communications, account authorization records, dispute records, correction records, account status
history, business verification records, and reporting transmission or vendor records for as long as
reasonably necessary to administer commercial invoice payment terms, verify information, support
commercial account reporting, investigate disputes or inquiries, comply with legal, contractual, tax,
accounting, fraud-prevention, reporting, or bureau-related obligations, collect valid amounts owed, defend
claims, and maintain business records.
Retention periods may vary based on the nature of the record, account status, reporting obligations,
dispute activity, legal requirements, and Company’s business recordkeeping practices.
Customer acknowledges that Company may retain relevant records after account closure, termination,
payment, charge-off, collection activity, or dispute resolution where retention is reasonably necessary for
the purposes described above.
17. Account Suspension or Termination
Company may suspend, restrict, or terminate Customer’s Commercial Trade Account or invoice payment
terms if:
1. Customer fails to pay amounts when due;
2. Customer exceeds its trade limit;
3. a payment is returned, declined, reversed, or charged back;
4. Customer provides inaccurate or incomplete information;
5. Company suspects fraud or unauthorized account activity;
6. Customer breaches these terms;
7. Customer becomes insolvent or unable to pay debts as they become due;
8. Customer’s business status materially changes; or
9. Company determines that continued account activity creates unacceptable credit, fraud, operational,
or legal risk.
Termination, restriction, or suspension does not cancel Customer’s obligation to pay amounts already
owed.
18. Material Business Changes
Customer agrees to notify Company of material changes that may affect Customer’s ability to perform its
payment obligations, including insolvency, closure of business, bankruptcy filing, material ownership
change, or other material business events.
19. No Setoff
Customer may not withhold payment of amounts owed based on any claim, dispute, chargeback, refund
request, or alleged breach, except for amounts that Customer timely disputes in good faith under the
invoice dispute process above.
20. No Waiver
Company’s decision to approve an Order, extend payment terms, accept late payment, waive a late
charge, or continue doing business with Customer does not waive Company’s right to enforce these
terms in the future.
21. Contact Information
Questions or disputes regarding invoices, payments, commercial account reporting, account accuracy, or
reporting disputes should be sent to:
Attn: Commercial Accounts / Billing
Email: info@theceocreative.com
Website: https://theceocreative.com
