Integrity Credit Academy – No Refund Policy
Because our services, digital products, and memberships deliver immediate value and access, all sales
are final and non-refundable. By purchasing from Integrity Credit Academy, you agree to the terms
below.

1. Purchases Covered by This Policy
   This No Refund Policy applies to all purchases made with Integrity Credit Academy, including but not
   limited to:
   • Credit repair / dispute services (personal credit)
   • ChexSystems & Early Warning Services (EWS) removal services
   • Bankruptcy reporting challenge services
   • Done-for-you “combo” or bundled services
   • Digital products (eBooks, PDFs, templates, checklists, workbooks, trainings, videos, online
   content)
   • Memberships, subscriptions, and portal / community access
   • Consultations, strategy calls, or one-time sessions, whether delivered by phone, video, or online
   Once payment is completed for any of the above, the sale is final and no refunds will be issued.
2. All Sales Are Final
   All payments made to Integrity Credit Academy are non-refundable. We do not provide:
   • Refunds
   • Partial refunds
   • Store credits
   • Exchanges for other products or services
   This applies regardless of: change of mind; lack of time to use the service or materials; failure to follow
   instructions, respond, or provide requested documents; personal financial hardship after purchasing; or
   dissatisfaction with non-guaranteed outcomes (such as specific score changes or loan approvals).
   By completing your purchase, you acknowledge and agree that you will not be entitled to a
   refund under any circumstances, except where required by law.
3. When a Service Is Considered “Delivered”
   For the purposes of this policy and for any payment dispute review, a service is considered delivered
   when any of the following occurs:
   • You complete an intake or onboarding form and your file is created and reviewed
   • Our team reviews your credit reports or account information
   • We draft and/or send disputes, challenges, or letters on your behalf
   • We provide you with access to a portal, membership, or digital content
   • A consultation, strategy call, or review is scheduled and/or conducted

• Digital products (eBooks, PDFs, templates, trainings) are delivered via link or email
  Once any of the above have happened, the service has been rendered in whole or in part, and the
  payment remains non-refundable.

1. Results & Expectations (No Guarantees)
   Credit, banking, and funding results depend on many factors outside of our control, including but not
   limited to your current and past credit profile, banking history, the accuracy of information provided by
   you and third parties, the actions you take during and after our process, and decisions made by credit
   bureaus, banks, and lenders.
   Because of this:
   • We do not guarantee specific credit scores or score increases
   • We do not guarantee that specific items will be deleted or changed
   • We do not guarantee approvals for any credit card, loan, line of credit, or funding amount
   • We do not guarantee any specific timeline for changes or results
   Our role is to provide professional services, education, structure, and support — not to promise or sell
   guaranteed outcomes. Dissatisfaction with non-guaranteed results does not qualify for a refund or
   chargeback.
2. Subscriptions, Memberships & Recurring Billing
   If you enroll in a membership, subscription, or recurring plan:
   • Your card or payment method will be billed automatically according to the schedule shown at
   checkout
   • You may request cancellation of future billing by contacting us before your next renewal date
   • Cancelling a subscription stops future charges; it does not generate a refund for past payments
   We do not provide refunds for months or billing cycles already processed, or for periods of time where
   you did not log in, attend, or use the membership or content.
3. Chargebacks & Payment Disputes
   By purchasing from Integrity Credit Academy, you agree to contact us first to attempt to resolve any
   issue before contacting your bank or payment provider. Filing a chargeback or payment dispute does
   not invalidate this No Refund Policy.
   In response to any chargeback or dispute, we reserve the right to provide your bank or payment
   processor with:
   • A copy of this No Refund Policy
   • Records of your checkout/checkout agreement and timestamps
   • Copies of signed forms, JotForm submissions, and onboarding documents
   • Portal logs and evidence of access to digital products or services
   • Email, message, or chat communications
   • Evidence of work performed (such as drafted and/or sent disputes, file reviews, and consultations)