Refund Policy
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Effective Date: September 17, 2020
Final Boss Consulting (“we,” “our,” or “us”) is committed to providing professional credit restoration, consulting, education, and financial coaching services. This Refund Policy explains our policies regarding cancellations, refunds, and payments for services purchased through Final Boss Consulting.
1. Agreement to Refund Policy
By purchasing or enrolling in any Final Boss Consulting service, you acknowledge that you have read, understood, and agreed to this Refund Policy, along with our Terms & Conditions and Privacy Policy.
2. Service-Based Refund Policy
Because our services involve professional time, account review, profile analysis, dispute preparation, consulting, education, and other work performed specifically for each client, refunds may be limited once services have begun.
Once Final Boss Consulting has started performing services on your behalf, payments may be considered earned based on the services already provided and the applicable service agreement.
3. Cancellation Before Services Begin
If you request cancellation before Final Boss Consulting has begun providing services, you may be eligible for a refund, subject to the terms of your specific service agreement and any applicable law.
Requests for cancellation must be submitted in writing to:
ktaylor@finalbossconsulting.com
The request should include your full name and the service you purchased.
4. Cancellation After Services Begin
Once services have begun, refunds are generally not available for work that has already been performed.
Services may include, but are not limited to:
Credit profile analysis
Credit report review
Dispute preparation or processing
Client onboarding
Strategy development
Financial education or coaching
Credit restoration activities
Administrative or account setup work
Consulting sessions
Authorized user tradeline services
Other services specifically requested or purchased by the client
Any refund eligibility will be determined according to the applicable service agreement and applicable federal, state, and local laws.
5. Client Non-Compliance
Clients are required to cooperate with the credit restoration process and provide requested information and documentation in a timely manner.
Failure to comply with program requirements may include:
Failing to provide requested documents
Failing to respond to communications
Making late payments or creating new negative credit activity
Filing independent disputes that interfere with our process
Hiring another credit repair company while enrolled
Making account changes without consulting our team
Providing inaccurate or incomplete information
If a client’s failure to cooperate prevents or materially interferes with the services, Final Boss Consulting may suspend or terminate the service.
Refund eligibility in such circumstances will be determined according to the applicable service agreement and applicable law.
6. Authorized User Tradeline Services
Authorized user tradeline services are subject to their own terms, availability, placement period, and renewal conditions.
Because tradeline availability and placement involve third-party arrangements and specific placement periods, payments associated with completed or already initiated tradeline services may not be refundable, except where required by applicable law or expressly provided in the applicable service agreement.
Results are not guaranteed, and the removal of a tradeline after its agreed placement period does not automatically qualify the client for a refund.
7. Credit Monitoring Services
If a client purchases or authorizes a third-party credit monitoring service, including MyScoreIQ or an equivalent provider, those services may be subject to the third-party provider’s own billing and cancellation policies.
Final Boss Consulting is not responsible for refunds governed exclusively by a third-party provider’s terms.
Clients should review the applicable third-party provider’s cancellation and refund policies for additional information.
8. No Guarantee of Results
Final Boss Consulting does not guarantee a specific credit score increase, deletion of accurate negative information, loan approval, mortgage approval, funding approval, or any other specific financial outcome.
Failure to achieve a desired credit result does not, by itself, constitute grounds for a refund.
Results vary based on each client’s individual credit profile, financial circumstances, creditor responses, and other factors outside of our control.
9. Payment Disputes and Chargebacks
Before initiating a payment dispute or chargeback, clients are encouraged to contact Final Boss Consulting so that we can attempt to resolve the issue directly.
Unauthorized chargebacks or payment reversals may constitute a breach of the applicable service agreement. Final Boss Consulting reserves all rights and remedies available under applicable law regarding disputed payments.
Signed agreements, invoices, onboarding documents, service records, and communications may be used to document the services purchased and performed.
Nothing in this section limits any rights a consumer may have under applicable federal or state law.
10. Refund Request Process
To request a refund, please contact:
Email: ktaylor@finalbossconsulting.com
Phone: +1 (830) 252-8933
Refund requests should include:
Full name
Email address
Date of purchase
Service purchased
Reason for the refund request
Any supporting information or documentation
We will review the request and respond within a reasonable period.
11. Approved Refunds
If a refund is approved, the refund will generally be issued to the original payment method used for the purchase.
Processing times may vary depending on the payment processor, financial institution, or card issuer.
12. Refunds Required by Law
Nothing in this Refund Policy is intended to waive, restrict, or eliminate any refund, cancellation, rescission, or other consumer rights that cannot legally be waived under applicable federal, state, or local law.
Where applicable law provides a consumer with a mandatory cancellation or refund right, that right will apply regardless of any conflicting provision in this policy.
13. Changes to This Refund Policy
Final Boss Consulting reserves the right to update this Refund Policy from time to time.
Any changes will be posted on this page with an updated effective date. Continued use of our services after changes are posted may constitute acceptance of the updated policy, to the extent permitted by law.
14. Contact Us
If you have questions regarding this Refund Policy, please contact:
Final Boss Consulting
Email: ktaylor@finalbossconsulting.com
Phone: +1 (830) 252-8933