This Payment Policy describes how Moulak handles payments, subscriptions, refunds, and billing for agent and owner plans. Please read it carefully before subscribing to any paid service.
1. Accepted Payment Methods
For Phase 1, Moulak accepts QiCard payments and Iraqi bank transfers for agent subscriptions and listing fees. All prices and transactions are shown and processed in Iraqi Dinar (IQD). Other payment methods and currencies are outside the current Phase 1 scope.
2. Subscription Plans
Agent and owner plans are billed on a monthly or annual basis as selected at signup. Annual plans are charged in full at the start of each billing cycle. Monthly plans renew on the same calendar date each month after payment confirmation.
3. Listing Fees
Standard listings are included within your active subscription plan. Sponsored listings and promotional placements may carry additional one-time fees, which are clearly displayed before purchase. These fees are non-refundable once the placement has gone live.
4. Refunds & Cancellations
Subscriptions may be cancelled at any time from the Agent Portal. Cancellation takes effect at the end of the current billing period — you will retain access to all features until that date. We do not offer partial refunds for unused subscription days. If you believe you were charged in error, contact us at hello@moulak.iq within 7 days of the charge and we will investigate promptly.
5. Failed Payments
If a QiCard payment or bank transfer cannot be confirmed, your subscription will remain pending and paid features may be paused. You will receive confirmation instructions during checkout and follow-up support if payment details need to be corrected.
6. Taxes
All prices displayed are exclusive of applicable taxes unless stated otherwise. Any applicable taxes will be calculated and added at checkout based on your billing jurisdiction.
7. Disputes
If you have a dispute regarding a payment, please contact hello@moulak.iq within 30 days of the transaction date. We aim to resolve all billing disputes within 5 business days. Please contact us before escalating a transaction through your payment provider.
8. Changes to This Policy
Moulak may update this Payment Policy at any time. Existing subscribers will be notified by email at least 14 days before any material changes take effect.
9. Contact
For billing enquiries, contact our finance team at hello@moulak.iq or visit our Contact page.