// import Image from 'next/image'
// import React from 'react'

// const BannerSection = () => {
//   return (
//     <div className='Privacy_Policy_Banner'>
//       <div className='max-w-[1200px] mx-auto px-3 py-20'>
//         <div className='relative'>
//             {/* <div className='absolute top-[70%] left-[8%] font-bold Manrope text-[#FFF] text-[60px]'>Refund Policy</div> */}
//             <Image src="/images/Privacy_Policy_Banner.webp" className='w-full' width={1200} height={600} alt="Refund policy banner — Fruxinfo" />
//         </div>
//         <div className='mt-10'>
//             <h3 className='text-[20px] md:text-[36px] text-[#000] font-bold mb-5'>Refund Policy</h3>
//             <p className='text-[16px] text-[#5D5D5D] mb-4'>
//               A FRUXINFO PVT LTD is a service-based business and due to the nature of our business, we cannot offer any refunds or money back for any of our services once work has commenced. And how could we? You can it exactly “return” our services… Your success is all that matters. So all our effort goes to offering you the best possible service in a timely and efficient manner, and always to your satisfaction. We strive to reach your goals as a partnership and connect your business with consumers in a straightforward and cost-effective way. We can it guarantee a full refund for the cancellation of our services. But, if you change your mind after paying us for a certain service, then we will act only on the policy here within. We will only refund or cancel services according to the following guidelines:
//               We Do not have RefundPolicy.
//             </p>
//             <p className='text-[16px] text-[#5D5D5D] mb-4'>
//               At FRUXINFO PVT. LTD. our Refund Policy is based on standardized practices that strictly follow industrial norms. We put up withfair assessment practices and all the refund claims are processed with vigilant parameters to make sure the decisions are justified and mutually agreeable.Our policies are treated with appropriate measures to settle different claims, originating from different assortments of needs and various business situations.
//             </p>
//             <p className='text-[16px] text-[#5D5D5D] mb-4'>
//               <b>FRUXINFO PVT. LTD.</b> may at any time, without notice to you and in its sole discretion, amend this policy periodically. You are expected to check the policy from time to time for updates.For more information on our Refund Policy, contact us at inquiry@fruxinfo.com.
//             </p>
//           </div>
//       </div>
//     </div>
//   )
// }

// export default BannerSection
import Image from 'next/image'
import React from 'react'

const BannerSection = () => {
  return (
    <div className='Privacy_Policy_Banner'>
      <div className='max-w-[1200px] mx-auto px-3 py-20'>
        <div className='relative'>
            {/* <div className='absolute top-[70%] left-[8%] font-bold Manrope text-[#FFF] text-[60px]'>Refund & Cancellation Policy</div> */}
            {/* <Image src="/images/Privacy_Policy_Banner.webp" className='w-full' width={1200} height={600} alt="Refund policy banner — Fruxinfo" /> */}
        </div>
        <div className='mt-10'>
            <h3 className='text-[20px] md:text-[25px] text-[#000] font-bold mb-5'>FRUXINFO PRIVATE LIMITED – REFUND & CANCELLATION POLICY</h3>

            <p className='text-[16px] text-[#5D5D5D] mb-4'>This Refund & Cancellation Policy outlines how refunds, cancellations, and partial settlements work when you engage Fruxinfo Private Limited for IT services, development, SaaS, or digital marketing.</p>
            <p className='text-[16px] text-[#5D5D5D] mb-8'>Our goal is to be transparent, fair, and professional — while ensuring business continuity and clear expectations for both sides.</p>
            
            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>1. General Refund Policy</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>Once work has begun, all payments are <b>generally non-refundable.</b><br/> This is because planning, resource allocation, project management, and development costs are incurred immediately.</p>
            <p className='text-[16px] text-[#5D5D5D] mb-8'>However, we do offer refunds in specific, genuine scenarios described below.</p>
           
            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>2. Situations Where Refunds ARE Eligible</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>2.1 If Fruxinfo Fails to Start Work</p>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>If we do not begin work <b>within 30 days</b> of your advance payment — and the delay is not caused by you — you may request a refund.</p>
            <p className='text-[16px] text-[#5D5D5D] mb-2'>Refund Amount:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6"><li>90% of the advance (a 10% admin fee is deducted)</li></ul>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>2.2 If Fruxinfo Abandons the Project</p>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>If we stop or abandon the project <b>without valid cause</b> (and it's not due to client breach), the refund will be:</p>
            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>Refund Amount:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>A <b>pro-rated amount</b> for incomplete milestones</li>
              <li>Completed deliverables are still payable</li>
            </ul>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>3. Situations Where Refunds Are NOT Provided</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>Refunds will <b>not</b> be issued in the following cases:</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.1 Client Cancels After Work Has Started</p>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>Once work begins, the advance and milestone payments are non-refundable.</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.2 Change of Mind / Business Direction Changes</p>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>If you change your idea, business model, or strategy after the project starts, it does not qualify for a refund.</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.3 Inability to Provide Requirements or Inputs</p>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>If timelines slip because you cannot provide content, credentials, approvals, or communication - refunds are not applicable.</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.4 Delay Caused by Client</p>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>Client-side delays (content, revisions, meetings, assets, approvals) do not qualify for a refund.</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.5 Third-Party Services / Platform Issues</p>
            <p className='text-[16px] text-[#5D5D5D] mb-2'>Refunds are not provided for failures of or changes in:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>Hosting</li>
              <li>API services</li>
              <li>Payment gateways</li>
              <li>SMS/email gateways</li>
              <li>Play Store / App Store rejections</li>
              <li>Server downtime</li>
            </ul>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.6 Marketing & SEO Performance</p>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>Marketing outcomes depend on algorithms, audience behavior, competition, and market fluctuations.</p>
            <p className='text-[16px] text-[#5D5D5D] mb-2'>Hence, we cannot refund for:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>No leads</li>
              <li>No traffic</li>
              <li>No conversions</li>
              <li>Low performance</li>
            </ul>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.7 Force Majeure Events</p>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>No refunds for delays or issues caused by events outside anyone's control (pandemics, disasters, war, etc.).</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.8 Approved Work or Approved Milestones</p>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>If a milestone is approved and signed off by the client, the payment is final and non-refundable.</p>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>3.9 Unused Retainers or Hours</p>
            <p className='text-[16px] text-[#5D5D5D] mb-8'>Pre-purchased support hours or retainers that remain unused cannot be refunded.</p>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>4. Partial Completion Settlement (Fair Settlement)</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>If a project ends by <b>mutual agreement</b>, the following applies:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>You pay for all completed milestones</li>
              <li>You pay proportionally for partially completed work</li>
              <li>The non-refundable advance is adjusted against the balance</li>
            </ul>
            <p className='text-[16px] text-[#5D5D5D] mb-8'>This avoids unnecessary disputes and ensures both sides receive fair value for work completed.</p>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>5. Refund Processing Timeline</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>If a refund is approved:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-8">
              <li>It will be processed within <b>30 business days</b></li>
              <li>Refunded to the <b>original payment method</b></li>
              <li><b>Transaction fees</b> (gateway, bank, forex) will be deducted</li>
            </ul>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>6. Cancellation Policy</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>6.1 Cancellation by Client</p>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>You may cancel the project with <b>30 days' written notice.</b></p>
            <p className='text-[16px] text-[#5D5D5D] mb-2'>To complete cancellation, you must:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>Pay for all completed work</li>
              <li>Pay for partially completed work</li>
              <li>Pay a <b>10% termination administration fee</b> on remaining contract value</li>
            </ul>

            <p className='text-[16px] text-[#5D5D5D] mb-2 font-bold'>6.2 Cancellation by Fruxinfo</p>
            <p className='text-[16px] text-[#5D5D5D] mb-2'>We may cancel immediately for:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>Non-payment beyond 21 days</li>
              <li>Repeated breach of terms</li>
              <li>Illegal use of our services</li>
              <li>Abusive or harassing behavior</li>
            </ul>
            <p className='text-[16px] text-[#5D5D5D] mb-8'>In such cases, refunds are <b>not applicable.</b></p>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>7. What Happens After Cancellation</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>Once a cancellation is processed:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>All outstanding payments become due immediately</li>
              <li>Work-in-progress is delivered <b>only if paid for</b></li>
              <li>Access to servers, code, or admin panels may be revoked until dues are cleared</li>
              <li>After full payment, project files, documentation, and credentials are handed over</li>
            </ul>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>8. Refund Exclusions Summary (Quick View)</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-2'>Refunds are NOT provided for:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-8">
              <li>Client delays</li>
              <li>Change of mind</li>
              <li>Low marketing results</li>
              <li>Third-party failures</li>
              <li>Approved milestones</li>
              <li>Unused hours</li>
              <li>Force majeure events</li>
              <li>Copyright/licensing issues caused by client</li>
              <li>Client's inability to provide inputs</li>
            </ul>

            <h4 className='text-[20px] md:text-[20px] text-[#000] font-bold mb-5'>9. Fairness Statement</h4>
            <p className='text-[16px] text-[#5D5D5D] mb-4'>This policy is designed to:</p>
            <ul className="list-disc text-[#5D5D5D] pl-6 mb-6">
              <li>Protect the client (your money won't be misused)</li>
              <li>Protect Fruxinfo (we allocate real resources from day one)</li>
              <li>Maintain clear expectations</li>
              <li>Avoid conflict and ambiguity</li>
              <li>Ensure ethical and transparent business practice</li>
            </ul>
            <p className='text-[16px] text-[#5D5D5D] mb-6'>It is fully aligned with the updated Terms & Conditions and has been reviewed for legal clarity and professionalism.</p>
          </div>
      </div>
    </div>
  )
}

export default BannerSection