Payment Policy

Unless your written quotation states otherwise, all Irfanis orders follow the same two-stage structure:

• 75% advance — due on order confirmation, before production begins.
• 25% balance — due on completion, before dispatch, installation or handover.

We do not release goods, hand over completed work, or transfer ownership until the balance has been received in cleared funds.

For larger construction and fit-out projects we can agree a staged schedule against project milestones instead. Any such arrangement will be set out in writing in your quotation and signed by both parties. Where the quotation and this page differ, the quotation governs.

Because we work across furniture, interiors and construction, completion is defined by the type of work:

• Furniture and furnishings — the piece is manufactured, finished, quality-checked and ready for dispatch.
• Interior fit-out — the agreed scope of works is finished and ready for your inspection.
• Construction projects — practical completion as defined in your project agreement.

We will notify you in writing when completion is reached. Minor snagging items do not delay the balance falling due; we resolve them after handover as part of our commitment to the work.

We accept:

• Bank transfer — please call us on +92 333 473 2646 for account details, which are also issued on your invoice
• Pay order or demand draft made out to the company name shown on your invoice
• Cash at our showroom, against a signed receipt

All payments must be made in Pakistani Rupees (PKR) unless agreed otherwise in writing. Any bank charges, transfer fees or handling charges are payable by you and are not deducted from the invoiced amount.

Please never send payment to any account details received by email alone. If you receive a message claiming our bank details have changed, telephone us on +92 333 473 2646 to verify it before transferring anything. We will not accept liability for funds sent to accounts we did not confirm to you by phone.

All quotations are valid for 30 days from the date of issue unless stated otherwise. After that, pricing is subject to review — material costs move, and we would rather requote honestly than absorb a change quietly.

Prices are quoted per the specification recorded in your quotation. Anything not listed in that specification is not included in the price.

Website prices apply to standard configurations only. Bespoke dimensions, non-standard finishes, customer’s-own-material work and site-specific requirements are quoted individually.

Your order is confirmed, and your production slot reserved, only when both of the following have happened:

• You have signed off the final specification, drawings and finishes in writing; and
• Your 75% advance has cleared into our account.

Lead times quoted in our Shipping & Delivery Policy run from that date, not from the date of enquiry or quotation.

When your order reaches completion we will issue a completion notice and a balance invoice. The balance is payable within 7 days of that notice.

Delivery or installation is scheduled once the balance has cleared. Where you have asked for delivery and payment on the same day, cleared payment must be received before our team unloads.

If you are unable to take delivery within 30 days of the completion notice, we can store your pieces for you, but storage charges and the risk of damage in storage may pass to you. We will always discuss this with you rather than apply it silently.

We do not charge interest or a late payment fee. If the balance is not settled within the period stated on your invoice, we reserve the right to:

• Charge storage for completed goods awaiting collection;
• Suspend further work on any related project; and
• Withhold delivery and retain ownership of the goods until payment is received.

If you are having difficulty with a payment, please talk to us before the due date. We would far rather agree a workable arrangement than apply charges.

If you ask for changes after your order is confirmed — different dimensions, a different finish, added scope — we will issue a written variation setting out the cost and any effect on the lead time.

Work on the variation begins once you approve it in writing. Depending on the value of the change, we may ask for the additional advance before proceeding.

Changes requested after production has begun may not be possible, and any materials already committed remain chargeable.

Please note. Our pieces are made to order against your specification, so we do not operate a cooling-off period. Once an order is confirmed and production has begun, the terms below apply. If you are uncertain about any detail, raise it with us before you confirm — we would far rather resolve it at that stage.

Made-to-order and bespoke pieces. Once you have signed off the specification and production has begun, the 75% advance is non-refundable. This is not a penalty — it reflects materials cut, workshop time reserved and labour committed specifically to your piece, none of which can be recovered or resold.

Cancellation by Irfanis. If we cancel your order for any reason other than your breach of these terms, you receive a full refund of everything you have paid, including your advance.

Approved refunds are processed within 14 working days to the original payment method or by bank transfer. Delivery charges already incurred are not refundable.

All prices are exclusive of applicable government taxes and duties unless your quotation expressly states that they are included. Sales tax, income tax withholding and any other statutory levies are charged at the rates in force on the date of invoice.

A formal invoice is issued for every order. If you require invoicing to a registered business, please provide your NTN and registered name at the time of ordering — we cannot reissue tax invoices to a different entity after the fact.

Where you are required by law to withhold tax from a payment to us, please provide the withholding certificate promptly.

All goods remain the property of Irfanis until payment has been received in full, in cleared funds.

Risk in the goods passes to you on delivery, as set out in our Shipping & Delivery Policy. Between delivery and final payment, the goods are at your risk but remain our property.