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I've been by no means a full-time designer, but have done smaller jobs for various people and companies over the years. I'd say that most of them paid me up front without me even asking..... those were all the no-shit no-nonsense types who get things done and demand the same from those they do business with.
As for the few others, my policy has always been this:
I do the work.
I put watermarks on the work, or screenshot it and put watermarks on it
I let the client view the work (screenshotted and watermarked)
The client does NOT recieve the actual finished work until they pay. Period.
No money, no worky, no exceptions.
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