Customer Service Policy
Payment & Financing Terms
Last updated June 16, 2026
This policy explains how payment works with Cowboys Air Conditioning & Heating, including financing options.
1. Payment Terms
Payment for service and repairs is due upon completion unless other terms are stated in writing. For installations, payment is due according to the schedule in your estimate or agreement (for example, a deposit at scheduling and the balance on completion).
2. Accepted Methods
We accept [cash, check, and major credit/debit cards], and approved financing. Card payments are processed by a third-party processor; we do not store full card numbers.
3. Deposits & Progress Billing
Installations and larger projects may require a deposit and may be billed in progress payments tied to milestones (for example, materials ordered, rough-in, and completion). Deposits are handled as described in our Cancellation & Refund Policy.
4. Financing
We offer financing through third-party lenders, subject to credit approval. Advertised monthly payments (for example, "as low as $___/month") are estimates that assume a specific amount financed, annual percentage rate (APR), and term, and your actual terms depend on the lender's approval. Financing is a contract between you and the lender; their disclosures, rates, and terms govern. We do not make credit decisions and are not the lender.
5. Late Payments
Past-due balances may accrue a late fee of [$___ or ___% per month], to the extent permitted by Texas law. We may suspend warranty service on accounts with overdue balances until they are brought current.
6. Returned Payments
Returned checks or failed charges may incur a [$___] fee, to the extent permitted by law.
7. Liens
To the extent permitted by Texas law, we reserve the right to file a mechanic's or materialman's lien for unpaid amounts on work performed and materials supplied. [Confirm statutory notice requirements with counsel.]
8. Maintenance Plan Billing
Recurring billing for maintenance plans is described in the Maintenance Plan / Membership Agreement.
9. Questions
Billing questions: [phone / email].