Additions to billing policy (#23405)

Author: dcpena

src/content/docs/billing/billing-policy.mdx

@@ -9,6 +9,10 @@ sidebar:
 
 Cloudflare plans and add-on services are billed every 30 days for each domain in your account.
 
+Cloudflare plans are billed monthly and annually for each domain on the account. Monthly plans are billed every 30 days for each domain in your account, and annual plans are billed yearly for each domain in your account.
+
+Add-on services are only billed monthly and cannot be billed annually.
+
 Cloudflare also collects sales tax as governed by local laws. Sales taxes are computed based on the nine (9) digit postal code of either the shipping or billing address on file for your Cloudflare account where applicable.
 
 :::note
@@ -17,13 +21,17 @@ If you are a US-based customer, you can [file for sales tax exemption](/billing/
 
 Cloudflare issues a separate invoice for plans and subscriptions (or add-on services) for every domain added to a Cloudflare account.
 
+Cloudflare issues a monthly or annual invoice based on the plans you purchase. You will receive a $0 invoice even if your domain is on a Free plan. 
+
 :::note
 Subdomains do not count as billable domains.
 :::
 
 For example, if test1.com and test2.com are added to the same Cloudflare account and upgraded to the Pro plan, you will receive an invoice with two charges. Subdomains such as blog.test1.com or blog.test2.com will not be included as billable domains.
 
-The date you initiate a paid plan or add-on service will be both the start of your billing period and your [invoice date](/billing/invoices/). For example, If you upgrade your plan on January 10, all future plan charges will be billed on the 10th of every month. Both dates are initialized using the UTC (Coordinated Universal Time) time zone, and not your local time zone.
+The date you initiate a paid plan or add-on service will be both the start of your billing period and your [invoice date](/billing/invoices/). For example, if you upgrade your plan on January 10, all future plan charges will be billed on the 10th of every month. Both dates are initialized using the UTC (Coordinated Universal Time) time zone, and not your local time zone.
+
+If your account is dunned (downgraded and banned for non payment of dues), the new start date changes to the day of the upgrade and applies to monthly, yearly, and add-on plans.
 
 When ordering a paid plan, subscription, or add-on service, you must agree to the following:
 
@@ -53,6 +61,8 @@ For example, if your billing date is January 1, but you upgrade from Pro to Busi
 
 :::note
 Account credits are automatically added to your account and can only be used on recurring monthly charges for Cloudflare plans or add-on services. Your monthly invoice lists any credits.
+
+All credits are added on the backend of your account and are not visible from the invoice. The invoice will, however, reflect any uses of applied account credits. Account credits can be used for any future Cloudflare transactions except Registrar transactions.
 :::
 
 If your domain is on a paid plan (for example, Business) and you downgrade to a lower-priced plan (for example, Pro),
@@ -65,16 +75,13 @@ For example, if your billing date is February 1, but you downgrade to Pro from t
 * You can access Business plan features and services until March 1.
 * Your March plan charges will reflect the downgraded cost.
 
-***
 
 ## Billing and payment for Enterprise plans
 
 Enterprise customers work with the Cloudflare account team to customize a plan and service contract to best suit their needs. The Cloudflare accounting team receives and processes Enterprise plan charges.
 
 Enterprise account owners receive invoices directly from the Cloudflare accounting team.
 
-***
-
 ## Approved payment methods
 
 Cloudflare only accepts Visa, Mastercard, American Express, Discover, PayPal, and UnionPay. No other payment methods (for example, Maestro) are possible at this time.
@@ -100,8 +107,6 @@ To regain access, you must settle any outstanding balances and pass preauthoriza
 
 For assistance, visit our [Support Portal](https://support.cloudflare.com/hc/en-us) and submit a Billing request (category: “Payment issue”) to our Support team. They will assist you in verifying your updated payment information.
 
-***
-
 ## Related resources
 
 * [Cloudflare Self-Serve Subscription Agreement](https://www.cloudflare.com/terms/)