Refund, Cancellation & Service Delivery Policy

This policy covers:

• Credit-education and credit-profile programs;
• Profile-review and optimization services;
• Dispute-support or dispute-related services where included;
• Funding-readiness and business-credit education;
• Paid consultations or strategy sessions;
• Digital guides, ebooks, templates, and educational downloads;
• One-time purchases and approved payment arrangements.

The exact service scope, total price, estimated timing, payment schedule, and client obligations are stated in the applicable program description and signed service agreement.

Certain credit-related services may be governed by federal or state consumer-protection laws that provide a specific period in which a signed contract may be canceled without penalty or obligation.

When Florida’s Credit Service Organizations Act applies, the buyer may cancel the covered contract before midnight of the fifth day after the date the contract is signed. The signed agreement will contain or be accompanied by the legally required Notice of Cancellation.

Where federal credit-repair law applies, the client will receive the written disclosures, agreement, cancellation notice, and protections required by applicable federal law.

Nothing on this website shortens or eliminates a statutory cancellation period.

A cancellation request should be submitted in writing and must clearly identify the client and transaction being canceled.

A client may use the cancellation form supplied with the signed agreement or another written notice that clearly communicates the decision to cancel.

When a covered transaction is canceled properly within an applicable statutory cancellation period, payments will be returned within the period required by applicable law.

For a covered Florida credit-service contract, payments made under the canceled contract will be returned within 10 days after the Company receives the cancellation notice.

Approved refunds are generally returned to the original payment method. The time required for the funds to appear after Company processes the refund depends on the payment processor, card network, and issuing financial institution.

Company is not responsible for banking or card-network posting delays after a refund has been transmitted successfully.

After any mandatory cancellation period expires, refund eligibility depends on:

• The purchased product or service;
• The terms of the signed service agreement;
• Whether services have begun or been completed;
• Whether digital access or materials have been delivered;
• The amount of work performed and resources supplied;
• The reason for the request;
• Any non-waivable rights provided by law.

A client’s change of mind, failure to complete onboarding, failure to respond, failure to follow recommendations, dissatisfaction with a lawful third-party decision, or failure to receive an unguaranteed outcome does not automatically create a right to a refund.

Nothing in this section limits a refund or remedy that applicable law requires.

Services may be delivered through email, telephone, video meeting, electronic forms, electronic signature, digital documents, online portals, educational materials, and other approved communication methods.

Service commencement and completion depend on the selected program, receipt of required information, expiration of any legally required cancellation period, third-party response times, reporting cycles, and client participation.

Any timeline communicated outside the signed agreement is an estimate unless expressly identified as a written guarantee.

Company may be unable to begin or continue services when a client:

• Does not sign required agreements or disclosures;
• Does not complete identity verification or onboarding;
• Does not provide reasonably requested information or documents;
• Provides inaccurate, incomplete, or conflicting information;
• Does not respond to material service-related communication;
• Fails to maintain an agreed payment arrangement;
• Requests or submits unlawful, false, or fraudulent information.

Client-caused delays may extend estimated service timelines. Nonparticipation does not automatically cancel the agreement or create a refund right, except where cancellation or refund is required by law or provided by the signed agreement.

Digital products may include ebooks, guides, templates, checklists, educational documents, downloadable files, and other electronic resources.

Except where required by law, digital-product purchases are generally not refundable after the download, access link, file, or digital content has been delivered or made available.

A refund or replacement may be considered when:

• A duplicate transaction occurred;
• The purchaser was charged an incorrect amount;
• The purchased file cannot be accessed because of a verified technical error within Company’s control;
• The wrong digital product was delivered;
• The transaction was unauthorized and verified as such;
• Applicable law requires a refund.

Before requesting a refund for an access issue, contact support so the Company can attempt to replace the file or restore access.

Free consultations do not create a refund obligation because no consultation fee is charged.

When a consultation or strategy session is paid:

• Rescheduling requests should be submitted at least 24 hours before the appointment when reasonably possible;
• A missed appointment or late cancellation may be treated as delivered or forfeited if disclosed before purchase;
• Company may permit one rescheduled appointment at its discretion;
• If Company cancels a paid session and cannot offer a reasonable replacement date, the consultation fee will be refunded;
• Any statutory cancellation rights remain unaffected.

When a payment plan is offered, the checkout page and signed agreement will disclose the total price, installment amounts, payment dates, number of payments, and applicable cancellation terms.

Canceling future participation does not automatically erase a balance already earned or lawfully due for services performed, materials delivered, or other fulfilled obligations.

Company will not continue charging a canceled recurring arrangement beyond the date required by the applicable agreement and law.

Nothing in this policy authorizes the collection of a fee at a time prohibited by federal or state credit-service law.

Promotional pricing, coupons, or limited offers may contain additional eligibility requirements, deadlines, usage restrictions, or exclusions disclosed with the promotion.

Unless stated otherwise:

• Coupons cannot be redeemed for cash;
• Only one coupon may be used per eligible transaction;
• Coupons cannot be applied retroactively to a completed purchase;
• A refund will not exceed the amount actually paid;
• Expiration dates and program restrictions remain applicable.

A promotional discount does not reduce any mandatory cancellation or refund right.

Contact Company promptly if you believe:

• You were charged more than the disclosed amount;
• A duplicate charge was processed;
• A refund was approved but not received;
• The transaction was not authorized;
• The billing description is not recognized;
• A payment-plan charge occurred after a valid cancellation.

Company may request reasonable information to identify the transaction, verify the account holder, and investigate the issue. Confirmed billing errors will be corrected promptly.

Clients are encouraged to contact Company directly before initiating a card dispute so that billing errors, access problems, cancellation requests, and service concerns can be reviewed promptly.

This request does not prevent a consumer from contacting a financial institution, payment processor, regulator, attorney, or other lawful forum.

Company may retain and submit relevant evidence in response to a payment dispute, including:

• Transaction and receipt information;
• Signed agreements and cancellation disclosures;
• Checkout acknowledgments;
• IP address and audit-trail records;
• Onboarding submissions;
• Service-delivery records;
• Digital-access or download records;
• Relevant client communications;
• Refund or cancellation history.

Company will not knowingly submit false or misleading information in response to a payment dispute.

Some clients may separately purchase or subscribe to services provided by third parties, such as credit-monitoring platforms, report providers, financial institutions, or software providers.

Third-party charges are governed by the third party’s own terms, cancellation policy, and refund policy. Company cannot issue a refund for money collected directly by an unaffiliated third party.

Any affiliate relationship or referral compensation will be disclosed where required.

Company may update this policy to reflect changes in services, payment methods, business practices, or legal requirements.

The revised policy will be posted on this page with an updated “Last Updated” date.

Policy changes will not retroactively eliminate cancellation, refund, or contractual rights that already apply to a completed transaction.

Direct cancellation, refund, service-delivery, or billing questions to the contact methods below.