For a business that already sells somewhere else — Instagram, Depop, a booking app, a menu — and needs one real address on the internet that points at all of it.
The domain is registered in your name, with your card, at cost — usually about $12 a year. Not ours, not held on your behalf.
The hosting account is opened in your name as well. You are added as the owner, and when the work is done there is nothing for anyone to hand back, because it was never held anywhere else.
You get the files. If you want to move to someone else in a year, you walk with all of it and nothing breaks.
Your total running cost after the $149 is the domain renewal. That is it.
Everything above goes in writing before you pay anything.
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