Refund policy

📃 Refund Policy
Effective Date: [Insert Date]

At [Your Business Name], we are committed to delivering results and exceptional value through our credit repair services. We stand behind our work and offer the following refund policy to give you peace of mind.

  1. 90-Day Satisfaction Guarantee
    We offer a full refund of the initial registration fee if, after 90 days from the start of service:

  • No negative, inaccurate, or unverifiable items have been successfully challenged, updated, or removed from any of your three major credit bureau reports (Equifax, Experian, or TransUnion), and

  • You have met all client responsibilities as outlined in your service agreement (see below).

  1. Eligibility for Refund
    To qualify for a full refund under this policy, you must:

  • Have maintained active participation in the credit repair process for at least 90 consecutive days

  • Have submitted all required documentation and personal information in a timely and accurate manner

  • Have not added any new negative accounts or engaged in credit-damaging activity during the service period

  • Have not missed or defaulted on any scheduled payment

  • Request your refund in writing within 15 days after the initial 90-day period ends

  1. What Is Considered “Improvement”
    “Improvement” refers to:

  • The removal, update, or correction of any negative, inaccurate, or unverifiable items from any of your credit reports

  • OR a measurable positive change in your credit score with any of the three major bureaus

  1. Exclusions
    Refunds will not be granted in cases where:

  • Credit reports were not obtained or accessible due to client delay or non-response

  • The client failed to participate or comply with documentation or identity verification requests

  • Negative items were confirmed as accurate by the bureaus and not eligible for dispute or removal

  • The client discontinued the service before 90 days of active participation

  1. Ongoing Monthly Support
    Refunds apply only to the initial registration fee. Monthly support subscriptions are billed separately and are non-refundable. You may cancel monthly support at any time before your next billing cycle.

  2. How to Request a Refund
    To request a refund, please send an email to unionbizcenter@gmail.com with the subject line “Refund Request” and include:

  • Your full name

  • Date of purchase

  • A brief explanation of your request

Refunds will be processed within 10 business days of approval.