Payment Terms and Refund Policy

Effective Date: July 2026
Last Updated: August 2026

1. Introduction

These Payment Terms and Refund Policy (the "Payment Terms") govern all payments made to Advokat Miomir A. Stojković, attorney-at-law, operating under the brands Stojković Attorneys (STATT) and Immigrate to Serbia (the "Firm", "we", "us", or "our"), in connection with legal services, professional services, consultations, digital services, online services, client portals, educational services, downloadable materials, subscription services, future technology-enabled services, and any other services or products made available by or through the Firm.

These Payment Terms form an integral part of the Firm's legal framework together with the Terms of Use, Privacy Policy, Cookie Policy, Consumer Rights and Complaints Policy, the applicable Engagement Documents, and any other written agreement entered into between the Firm and a Client.

In the event of any inconsistency, the applicable Engagement Documents shall prevail to the extent of that inconsistency.

2. Purpose

The purpose of these Payment Terms is to regulate:

• methods of payment;
• pricing;
• retainers and deposits;
• payment processing;
• payment security;
• refunds;
• cancellations;
• chargebacks;
• taxes;
• third-party costs;
• digital services;
• payment disputes; and
• other financial aspects relating to the Firm's services.

These Payment Terms are intended to protect both the Firm and its Clients by establishing transparent and predictable rules governing financial matters.

3. Definitions

For the purposes of these Payment Terms:

"Client" means any individual or legal entity requesting or receiving services from the Firm.

"Engagement Documents" means any Engagement Letter, Retainer Agreement, Legal Services Agreement, accepted proposal, quotation, offer, invoice, order confirmation, digital order, online checkout, email confirmation, electronic acceptance, statement of work, or any other written or electronic arrangement pursuant to which the Firm agrees to provide services.

"Services" means legal services, immigration services, corporate services, tax services, compliance services, consulting services, digital services, online consultations, educational services, administrative services, and any other services offered by or through the Firm.

"Third-Party Costs" means all governmental fees, court fees, administrative charges, taxes, notarial fees, apostille fees, translation costs, interpreter fees, courier expenses, expert fees, banking fees, payment processing fees, and all other costs payable to persons other than the Firm.

4. How Engagements Are Established

The Firm provides services under various business models depending upon the nature, complexity, value, urgency, and circumstances of the relevant matter.

Accordingly, an engagement may be established through one or more Engagement Documents.

Depending upon the circumstances, an engagement may arise through:

• acceptance of a written proposal or quotation;
• acceptance of a written offer;
• acceptance of an invoice;
• confirmation of an online order;
• confirmation of a consultation booking;
• payment for digital services;
• written confirmation exchanged by email or other electronic communication;
• execution of an Engagement Letter or other written agreement; or
• any other legally sufficient manifestation of mutual agreement under applicable law.

The Firm reserves the right, in its sole professional discretion, to determine the form of Engagement Documents appropriate for a particular matter.

The Firm may require execution of a formal Engagement Letter or other written agreement before commencing or continuing any engagement where it considers this appropriate having regard to the nature, complexity, value, regulatory requirements, professional obligations, or other circumstances of the matter.

Nothing in these Payment Terms obliges the Firm to use any particular form of Engagement Documents.

5. Payment Does Not of Itself Create Representation

Payment of any amount to the Firm, whether in whole or in part, shall not by itself:

• establish an attorney-client relationship;
• oblige the Firm to accept instructions;
• oblige the Firm to commence work;
• constitute acceptance of an engagement;
• constitute legal advice;
• guarantee availability of any attorney;
• guarantee any legal, commercial, immigration, regulatory, or other outcome.

Acceptance of payment and acceptance of an engagement are separate professional decisions.

The Firm reserves the unrestricted right, consistent with applicable law and professional obligations, to decline, postpone, suspend, or terminate any proposed engagement notwithstanding receipt of payment.

Where the Firm declines an engagement before substantive work has commenced, any refund shall be determined in accordance with these Payment Terms, the applicable Engagement Documents, and mandatory applicable law.

6. Professional Acceptance of Engagement

Before accepting or continuing any engagement, the Firm may, where it considers appropriate, conduct such enquiries, reviews, or procedures as it reasonably considers necessary.

These may include, without limitation:

• conflict of interest checks;
• client identification;
• verification of authority;
• anti-money laundering procedures;
• sanctions screening;
• risk assessments;
• verification of documentation;
• verification of payment source;
• internal acceptance procedures; and
• any other review required by law, professional obligations, internal policies, or prudent risk management.

The Firm reserves the right to decline or discontinue any engagement where it reasonably determines that representation would be inconsistent with applicable law, professional ethics, regulatory obligations, internal risk management policies, or the legitimate interests of the Firm.

The exercise of such professional discretion shall not, by itself, constitute a breach of contract or give rise to liability except where otherwise required by mandatory applicable law.

7. Payment Methods

The Firm may accept payments using one or more payment methods made available from time to time.

Depending upon availability, jurisdiction, applicable law, and the nature of the Services, payment methods may include:

• payment cards;
• bank transfers;
• electronic payment gateways;
• instant payment systems;
• digital payment platforms;
• future electronic payment technologies approved by the Firm.

The Firm reserves the right to introduce, modify, suspend, restrict, or discontinue any payment method at any time without prior notice.

The availability of any particular payment method does not create any obligation upon the Firm to continue offering such payment method in the future.

8. Payment Processing

Payments made through the Site may be processed by authorised third-party payment service providers designated by the Firm.

Where payment card transactions are accepted, such transactions are processed through secure payment infrastructure operated by authorised payment processors and acquiring banks.

Submission or successful authorisation of a payment transaction does not constitute:

• acceptance of an engagement;
• confirmation that Services will be provided;
• confirmation that legal representation has commenced; or
• confirmation that the Firm is able or willing to accept the requested matter.

The Firm reserves the right to:

• decline any payment where reasonably necessary;
• request additional identity or payment verification;
• postpone commencement of Services pending successful payment verification;
• refuse transactions suspected of fraud, abuse, money laundering, sanctions violations, or other unlawful activity;
• reject transactions that cannot be properly authorised or verified.

The Firm shall not be responsible for delays or failures caused by payment processors, acquiring banks, card organisations, telecommunications providers, internet service providers, governmental systems, or other third parties involved in payment processing.

9. Payment Security

The Firm is committed to maintaining appropriate security standards for electronic payments.

Where payment card transactions are processed through the Site, confidential payment information is transmitted through encrypted communication channels using Secure Socket Layer (SSL) technology or equivalent encryption standards.

Payment card transactions are processed using industry-recognised security technologies, including tokenisation and authentication mechanisms designed to protect sensitive payment information.

The Firm does not receive, process, or store complete payment card numbers, CVV/CVC security codes, or other sensitive authentication data processed directly by authorised payment service providers.

Where applicable, payment transactions may additionally be protected by 3D Secure authentication or equivalent authentication technologies implemented by the relevant payment service provider or card issuer.

The payment infrastructure utilised by the Firm is expected to comply with the Payment Card Industry Data Security Standard (PCI DSS) or equivalent recognised industry standards, as applicable.

Notwithstanding the foregoing, no payment system or method of electronic communication can be guaranteed to be completely secure.

Accordingly, except where liability cannot be excluded under mandatory applicable law, the Firm disclaims liability for interruptions, failures, cyber incidents, unauthorised access, payment processor failures, banking failures, telecommunications failures, or other events beyond the Firm's reasonable control.

10. Currency, Exchange Rates and Payment Conversion

Unless expressly agreed otherwise in writing, all payments made through the Site shall be processed in the official currency of the Republic of Serbia (Serbian Dinar – RSD).

Where prices are displayed in another currency, such prices are provided solely for informational purposes.

Where payment is made using a payment card or payment account denominated in another currency, currency conversion shall be performed by the relevant card issuer, acquiring bank, payment institution, or card organisation in accordance with its own exchange rates, conversion methodology, commissions, and policies.

The Firm has no control over:

• exchange rates;
• banking commissions;
• foreign exchange margins;
• conversion methodologies;
• card issuer fees;
• international payment fees; or
• other charges imposed by financial institutions.

Accordingly, the amount ultimately charged may differ from any informational price displayed on the Site.

The Firm accepts no responsibility for any differences arising from exchange rate fluctuations or charges imposed by financial institutions or payment service providers.

11. Pricing

Unless expressly agreed otherwise in writing, all fees, estimates, quotations, proposals, and pricing information published or communicated by the Firm are subject to change prior to acceptance.

The Firm reserves the right to modify:

• legal fees;
• consultation fees;
• subscription fees;
• administrative fees;
• prices of digital services;
• educational services;
• online services;
• pricing models;
• promotional offers;
• bundled services; and
• future service offerings.

Unless expressly stated otherwise, published prices do not include Third-Party Costs.

Quotations and fee proposals remain valid only for the period expressly stated therein or, where no validity period is specified, for such reasonable period as determined by the Firm.

12. Retainers, Deposits and Allocation of Payments

The Firm may require advance payments, retainers, deposits, staged payments, milestone payments, or other payment arrangements before commencing or continuing Services.

Unless otherwise agreed in writing, advance payments constitute security for future fees, costs, and expenses and may be applied by the Firm against outstanding invoices, accrued fees, reimbursable expenses, Third-Party Costs, or other amounts lawfully due.

Where the Client owes multiple amounts to the Firm, the Firm reserves the right, to the extent permitted by applicable law, to determine the order in which payments shall be allocated.

Without limitation, payments may be allocated towards:

• accrued interest;
• recovery costs;
• Third-Party Costs;
• reimbursable expenses;
• outstanding invoices;
• professional fees;
• retainers;
• or any other amounts lawfully payable by the Client.

Unless expressly agreed otherwise in writing, no payment shall be regarded as being allocated to any specific invoice, matter, or obligation solely because the Client indicates such allocation.

13. Taxes and Third-Party Costs

Unless expressly stated otherwise, the Firm's professional fees are exclusive of:

• governmental fees;
• court fees;
• administrative charges;
• notarial fees;
• apostille fees;
• translation costs;
• interpreter fees;
• expert fees;
• courier expenses;
• banking charges;
• payment processing fees;
• taxes;
• duties; and
• other Third-Party Costs.

The Client remains solely responsible for all such Third-Party Costs unless expressly agreed otherwise in writing.

The Firm reserves the right to request advance payment of anticipated Third-Party Costs before undertaking work requiring such expenditure.

14. Invoices

The Firm may issue invoices, receipts, payment confirmations, fee statements, or other billing documentation in electronic or paper form.

Electronic invoices and billing communications shall satisfy any contractual requirement for written communication unless mandatory law provides otherwise.

The Client is responsible for ensuring that billing information provided to the Firm remains accurate and up to date.

Failure to receive an invoice due to inaccurate contact information or technical issues beyond the Firm's reasonable control shall not relieve the Client of the obligation to pay amounts lawfully due.

15. Refunds

The Firm recognises that certain payments may, in appropriate circumstances, be refundable.

However, legal and professional services are, by their nature, personalised, intellectual, confidential, and frequently incapable of being returned once performed. Accordingly, refunds are governed exclusively by:

• applicable mandatory law;
• these Payment Terms; and
• the applicable Engagement Documents.

No refund shall become due merely because:

• the Client changes their mind;
• the Client no longer wishes to proceed;
• the Client retains another adviser;
• the Client disagrees with legal advice provided in good faith;
• a governmental authority, court, regulator, or other third party reaches an unfavourable decision;
• the desired legal, commercial, immigration, or other outcome is not achieved; or
• circumstances outside the Firm's reasonable control affect the matter.

15.1 Non-Refundable Professional Services

To the maximum extent permitted by applicable law, amounts relating to Services already performed or substantially performed are non-refundable.

Unless otherwise expressly agreed in writing, this generally includes:

• consultations;
• legal analyses;
• legal opinions;
• legal research;
• strategic advice;
• eligibility assessments;
• conflict checks;
• client onboarding;
• anti-money laundering procedures;
• sanctions screening;
• identity verification;
• document review;
• drafting services;
• compliance reviews;
• administrative processing;
• digital legal services already delivered;
• downloadable digital content;
• online educational materials already accessed;
• work performed by attorneys or other authorised professionals of the Firm.

15.2 Third-Party Costs

Unless otherwise expressly agreed in writing, the Firm shall not be responsible for refunding Third-Party Costs that have already been incurred or become payable.

Any refund of such amounts shall depend exclusively upon whether the relevant third party refunds the applicable amount.

15.3 Refusal or Withdrawal Before Commencement

Where the Firm declines or withdraws from a proposed engagement before substantive professional work has commenced, any refund shall be determined after taking into account:

• payment processing costs;
• compliance procedures already completed;
• administrative work already performed;
• Third-Party Costs already incurred;
• any other reasonable costs lawfully incurred by the Firm.

15.4 Refund Procedure

Refund requests shall be submitted in writing together with sufficient information enabling the Firm to assess the request.

Each request shall be considered individually having regard to:

• the applicable Engagement Documents;
• these Payment Terms;
• applicable law;
• the work already performed;
• costs already incurred;
• the reasons for the request; and
• the Firm's professional obligations.

The Firm reserves the right to request any additional information reasonably required for the assessment of a refund request.

The consideration of any refund request shall not constitute an admission of liability or acceptance that a refund is due.

15.5 Payment Card Refunds

Where a refund is approved in relation to a payment originally made by VISA, Mastercard, Maestro, or another payment card, and where required by applicable payment network rules, the refund shall be processed exclusively through the same payment card used for the original transaction.

Refunds cannot be made in cash or to another payment instrument where the applicable payment network rules require the refund to be processed to the original payment method.

16. Chargebacks

The Client agrees to contact the Firm before initiating any chargeback, payment reversal, payment dispute, or similar procedure through a bank, payment institution, or card issuer.

The Firm is committed to resolving genuine payment disputes promptly, professionally, and in good faith.

Where a chargeback or payment reversal is initiated in respect of Services already performed, consultations already provided, digital content already supplied, or work already commenced, the Firm expressly reserves all rights available under applicable law to:

• contest the chargeback;
• submit supporting documentation;
• recover outstanding fees;
• recover reasonable recovery costs;
• suspend Services;
• terminate the engagement; and
• pursue any other contractual or legal remedy available.

17. Non-Payment

Failure to make payment when due constitutes a material breach of the Client's payment obligations.

Without prejudice to any other rights available under applicable law or the applicable Engagement Documents, the Firm may:

• suspend all or part of the Services;
• postpone meetings, consultations, filings, submissions, or other work;
• decline to incur additional Third-Party Costs;
• withhold documents to the extent permitted by applicable law;
• terminate the engagement; and
• pursue recovery of all outstanding amounts.

The Firm shall not be responsible for any consequences resulting from the lawful suspension or termination of Services arising from non-payment.

18. Late Payment

Where payment is not made when due, the Firm reserves the right, to the extent permitted by applicable law and the applicable Engagement Documents, to charge:

• statutory default interest;
• contractual default interest where agreed;
• reasonable recovery costs;
• legal costs;
• collection costs; and
• any other amounts recoverable under applicable law.

Acceptance of a late payment shall not constitute a waiver of any rights or remedies available to the Firm.

19. No Set-Off or Deduction

Unless otherwise required by mandatory applicable law or expressly agreed by the Firm in writing, the Client shall not be entitled to:

• withhold payment;
• deduct any amount;
• set off any alleged claim;
• reduce any invoice; or
• make payment subject to any unilateral condition.

All amounts due to the Firm shall be paid in full and without deduction.

20. Cancellations

Cancellation of consultations, meetings, appointments, interviews, online sessions, or other scheduled Services shall be governed by the applicable Engagement Documents or, where none exist, by these Payment Terms.

The Firm reserves the right to apply reasonable cancellation charges where appointments are cancelled on short notice or where professional time has already been reserved.

Failure to attend a scheduled appointment without reasonable notice may be treated as a late cancellation.

Where the Firm cancels a scheduled appointment for reasons within its reasonable control, the Firm may, at its discretion:

• reschedule the appointment;
• apply the payment as a credit towards future Services; or
• provide a refund where appropriate.

Nothing in this Section limits the Firm's right to postpone or cancel Services where necessary to comply with professional obligations, legal requirements, conflicts of interest, force majeure events, technical failures, cybersecurity incidents, or other circumstances beyond the Firm's reasonable control.

21. Payment Disputes

The Firm is committed to resolving payment-related questions, concerns, or disputes professionally, efficiently, and in good faith.

Clients are encouraged to contact the Firm promptly upon becoming aware of any payment issue so that it may be reviewed and, where appropriate, resolved without unnecessary escalation.

The existence of a payment dispute shall not relieve the Client of the obligation to pay any undisputed amounts that have become due.

Nothing contained in this Section limits the Firm's right to suspend Services, terminate an engagement, or pursue any contractual or legal remedy available under applicable law.

22. Consumer Rights

Nothing contained in these Payment Terms excludes, limits, or restricts any mandatory rights that consumers may have under applicable consumer protection legislation.

Where mandatory consumer protection legislation grants rights that cannot lawfully be excluded or limited, those rights shall prevail to the extent required by law.

To the extent permitted by applicable law, all provisions of these Payment Terms shall be interpreted consistently with such mandatory rights.

23. Modifications to Payment Terms

The Firm reserves the right to amend, update, replace, or supplement these Payment Terms from time to time in order to reflect:

• changes in applicable law;
• regulatory requirements;
• payment technologies;
• banking practices;
• business operations;
• professional obligations;
• new services;
• digital platforms; or
• other legitimate business requirements.

The most current version of these Payment Terms shall be published on the Site.

Unless mandatory law requires otherwise, revised Payment Terms shall become effective upon publication.

The version applicable to a particular payment shall generally be the version in force at the time the relevant payment obligation arose, unless otherwise required by applicable law or agreed in the applicable Engagement Documents.

24. Governing Law and Jurisdiction

These Payment Terms shall be governed exclusively by the laws of the Republic of Serbia.

Any dispute arising out of or relating to these Payment Terms shall be subject to the jurisdiction of the competent courts in Belgrade, Republic of Serbia, unless mandatory applicable law provides otherwise.

Nothing contained in this Section prevents the Firm from exercising any rights or remedies available under applicable law in any other competent jurisdiction where necessary for the protection of its lawful interests.

25. No Waiver

Failure or delay by the Firm to exercise any right, remedy, discretion, or power arising under these Payment Terms, the applicable Engagement Documents, or applicable law shall not constitute a waiver of that right, remedy, discretion, or power.

Any waiver by the Firm shall be effective only if made expressly in writing and shall apply solely to the specific matter expressly identified therein.

26. Severability

If any provision of these Payment Terms is held to be invalid, illegal, unenforceable, or ineffective by a competent court or authority, such provision shall be deemed modified only to the minimum extent necessary to render it valid and enforceable.

The validity and enforceability of the remaining provisions shall remain unaffected and shall continue in full force and effect.

27. Entire Payment Arrangement

These Payment Terms, together with:

• the applicable Engagement Documents;
• the Terms of Use;
• the Privacy Policy;
• the Cookie Policy;
• the Consumer Rights and Complaints Policy; and
• any other written agreement expressly incorporated by reference,

constitute the complete understanding of the parties with respect to payment-related matters.

In the event of any inconsistency, the applicable Engagement Documents shall prevail to the extent of that inconsistency.

28. Contact

Questions concerning payments, invoices, refunds, or these Payment Terms may be directed to:

Stojković Attorneys (STATT)
Advokat Miomir A. Stojković
Cara Dušana 55/3
11000 Belgrade
Republic of Serbia
Email: office@statt.rs
Telephone: +381 11 328 1914
Websites:
www.statt.rs
www.immigratetoserbia.com

29. Final Provisions

These Payment Terms are intended to promote transparency, legal certainty, and the efficient administration of payments relating to the Firm's Services.

Nothing contained in these Payment Terms shall:

• require the Firm to accept any engagement;
• limit the Firm's professional independence;
• limit the Firm's obligations under applicable law or professional ethics;
• waive attorney-client privilege, legal professional privilege, or professional secrecy;
• create any rights beyond those required by applicable law or expressly agreed in the applicable Engagement Documents.

To the fullest extent permitted by applicable law, these Payment Terms shall be interpreted in a manner that preserves the Firm's professional independence, ethical obligations, lawful commercial interests, and the integrity of the attorney-client relationship.

© Advokat Miomir A. Stojković. All rights reserved.