Refund Policy

1. Nature of Services

Estate Vision Mgmt LLC provides highly customized consulting, strategic planning, and business advisory services that are specifically designed and constructed around each individual client's unique situation, goals, and requirements. Unlike off-the-shelf products that can be returned to inventory and resold, our services involve:

1.1 Bespoke Service Design

Each service package is custom-built based on the Client's specific needs as identified during the initial consultation and intake process. Services are not standardized or pre-packaged but are individually tailored to address the Client's particular circumstances, industry, financial situation, credit profile, business structure, and strategic objectives.

1.2 Proprietary Methodologies and Expertise

Our services incorporate proprietary frameworks, methodologies, processes, and intellectual property developed by Estate Vision Mgmt LLC through years of experience and expertise. Once these methodologies are applied to a Client's specific situation, the knowledge, insights, and strategic recommendations cannot be "un-delivered" or reassigned to another client.

1.3 Third-Party Vendor Relationships

Many of our services require establishing relationships and initiating processes with third-party vendors, service providers, government agencies, credit bureaus, and financial institutions on the Client's behalf. These relationships are initiated based on the Client's specific information and cannot be reversed or transferred. Third-party costs incurred on the Client's behalf are non-recoverable.

1.4 Dedicated Professional Time and Resources

From the moment a service is purchased, our team dedicates significant professional time, expertise, and resources to the Client's specific situation. This includes:

Comprehensive review and analysis of Client-provided information and documentation
Custom research specific to the Client's industry, location, and business goals
Strategic planning and roadmap development tailored to Client objectives
Coordination with third-party service providers, vendors, and agencies
Preparation of custom documents, reports, analyses, and deliverables
Ongoing client support, consultation, and account management

Once this professional time and expertise have been invested in a Client's specific situation, these resources cannot be recouped or reallocated, as the work product is uniquely tailored to that individual Client.

1.5 Work Commencement Timeline

Due to the time-sensitive nature of many of our services (business formation filings, credit dispute timelines, funding application deadlines), work typically commences within 24 to 48 hours of service purchase to ensure optimal results and timely completion. This rapid initiation means that substantial work is often completed before a Client might reconsider their purchase decision.

1.6 Cannot Be "Put Back on the Shelf"

Unlike physical products or standardized services that can be returned to inventory and resold to another customer in their original condition, customized consulting services cannot be undone, reassigned, or resold once they have been tailored to a specific client. The knowledge shared, strategies developed, third-party relationships established, and professional time invested are specific to each Client and have no residual value that can be recovered by the Company.

For these reasons, the Company's refund policy necessarily differs from standard retail return policies and is designed to reflect the custom, non-recoverable nature of our services.

2. Pre-Service Cancellation Window

2.1 72-Hour Cancellation Period

Clients may cancel their service purchase within seventy-two (72) hours of the transaction date, provided that no work has commenced on the Client's behalf. To qualify for this cancellation window:

The cancellation request must be submitted in writing to derrick@estatevisionmgmt.com within 72 hours of the purchase timestamp
No initial consultation has taken place
No information has been submitted to third parties (credit bureaus, government agencies, vendors)
No documents have been prepared or filed on the Client's behalf
No third-party fees or costs have been incurred
No custom research, analysis, or planning work has been performed

2.2 Cancellation Refund Terms

If a cancellation request meets all the requirements of Section 2.1, the Client will receive a refund of the service fee, less a ten percent (10%) administrative processing fee. This administrative fee covers the costs associated with payment processing, account setup, initial system provisioning, and administrative overhead incurred at the time of purchase.

Example: For a $1,000 service purchase, a qualifying cancellation would result in a refund of $900 ($1,000 - $100 administrative fee).

2.3 Processing of Pre-Service Cancellations

Pre-service cancellation refunds will be processed within seven (7) to ten (10) business days of receipt of the written cancellation request and verification that no work has commenced. Refunds will be issued to the original payment method. Depending on your financial institution, it may take an additional 5-10 business days for the refund to appear in your account.

2.4 Credit Repair Organizations Act (CROA) Compliance

For services that fall under the definition of "credit repair services" as defined by the Credit Repair Organizations Act (15 U.S.C. Section 1679 et seq.), Clients have the right to cancel the contract without penalty or obligation within three (3) business days from the date the contract is signed or the date the Client receives the required CROA disclosures, whichever is later. This statutory right supersedes the 72-hour policy described above for credit repair services specifically.

3. Post-Commencement Policy (No Refunds After Work Begins)

3.1 No Refunds Once Work Has Commenced

Once work has begun on a Client's services, no refunds will be provided. Work is considered to have commenced when any of the following occur:

An initial consultation, intake call, or strategy session has been conducted with the Client
Client information has been reviewed, analyzed, or entered into Company systems
Custom research, planning, or analysis has been performed specific to the Client's situation
Documents have been prepared, drafted, or filed on the Client's behalf
Third-party relationships have been initiated (credit bureau submissions, vendor account applications, government filings, business registrations)
Third-party fees or costs have been paid on the Client's behalf
The Client Portal account has been fully provisioned and the Client has been granted access
Any deliverables (reports, analyses, strategic plans, documents) have been prepared or delivered
Communication with third parties (credit bureaus, lenders, government agencies) has been initiated on the Client's behalf

3.2 Rationale for Post-Commencement No-Refund Policy

The post-commencement no-refund policy exists because:

Custom Work Cannot Be Resold: Services tailored to one client's specific situation have no value to another client and cannot be reassigned or resold
Third-Party Costs Are Non-Recoverable: Fees paid to credit bureaus, government agencies, registered agents, vendors, and other third parties on the Client's behalf cannot be recovered by the Company
Professional Time Is Invested: Hours of professional consulting, analysis, research, and strategic planning specific to the Client's situation have been provided and cannot be recouped
Intellectual Property Is Shared: Proprietary methodologies, frameworks, strategies, and knowledge have been disclosed to the Client and cannot be "un-shared"
Vendor Relationships Are Established: Business relationships with third-party vendors, tradeline providers, and service providers have been initiated specifically for the Client and may involve contractual obligations
Compliance Requirements: Certain filings, registrations, and submissions to government agencies and credit bureaus cannot be reversed once initiated

3.3 Typical Work Commencement Timeline

Clients should be aware that work typically commences within 24 to 48 hours of service purchase. Our team prioritizes rapid initiation to ensure timely delivery and optimal outcomes. This means that the post-commencement no-refund policy generally applies within 1-2 business days of purchase.

3.4 Client Acknowledgment

By purchasing services, the Client acknowledges and agrees that:

They understand work will commence promptly after purchase
They have carefully considered their decision and reviewed all service details
They accept the no-refund policy for work performed
They will not initiate chargebacks or payment disputes for services where work has commenced (see Section 6)

4. Partial Service Credits (At Company Discretion)

4.1 Discretionary Partial Credits

In certain limited circumstances, at the Company's sole and absolute discretion, a partial service credit toward future Estate Vision Mgmt LLC services may be issued. Partial credits are not refunds and cannot be redeemed for cash. Credits must be applied toward the purchase of additional services within twelve (12) months of issuance or they will expire with no residual value.

4.2 Circumstances for Consideration

Partial service credits may be considered (but are not guaranteed) in the following situations:

Documented hardship circumstances (medical emergency, military deployment, natural disaster) that prevent the Client from continuing with services
Significant Company-caused delays beyond the control of the Client that materially impair service delivery
Mutual agreement between the Client and Company to pivot to a different service offering better suited to the Client's needs

4.3 Ineligibility for Partial Credits

Partial service credits are NOT available for:

Completed work, deliverables that have been provided to the Client, or services that have been fully performed
Third-party costs already incurred, including but not limited to government filing fees, credit bureau submission fees, registered agent fees, domain registration fees, vendor service charges, tradeline posting fees, or any other fees paid to third parties on the Client's behalf
Services where the Client has failed to respond to communications, provide requested information, or cooperate with service delivery as required by the Terms and Conditions
Client dissatisfaction with outcomes that are beyond the Company's control (credit score results dependent on creditor responses, loan denials based on lender underwriting criteria, government agency processing times)
Client change of mind, buyer's remorse, or decision to pursue a different business direction after work has commenced
Services where the Client has violated the Terms and Conditions, provided false or misleading information, or engaged in prohibited conduct

4.4 Evaluation Process

Requests for partial service credits will be evaluated on a case-by-case basis by Company management. The Company will consider the amount of work completed, deliverables provided, third-party costs incurred, and the specific circumstances presented by the Client. The Company's determination is final and binding.

5. Service Satisfaction Process (Mandatory Pre-Requisite)

5.1 Mandatory Resolution Process

Before requesting any refund, partial credit, or adjustment, the Client MUST first complete the Service Satisfaction Process. This process is designed to address concerns, resolve issues, and provide remedies without resorting to financial adjustments.

5.2 Required Steps

The Client must:

Document Specific Concerns: Submit a detailed written explanation of the specific concerns, issues, or dissatisfaction to derrick@estatevisionmgmt.com. Vague complaints such as "not satisfied" or "expected better results" are insufficient. The Client must clearly articulate the nature of the concern, specific examples, and the desired outcome.
Allow Company Response Time: Provide the Company with fourteen (14) business days to investigate the concerns, review the services provided, consult with relevant team members, and develop a proposed resolution. The Company will respond in writing with findings and proposed remedial measures.
Participate in Resolution Conference: Engage in good faith in a resolution conference (via phone, video call, or in-person meeting) with Company management to discuss concerns and explore solutions. The Client must make themselves reasonably available for this conference within the proposed timeframes.

5.3 Company Resolution Measures

Depending on the nature of the concerns, the Company may offer one or more of the following remedial measures:

Additional consultations or support sessions at no extra charge
Supplemental deliverables, reports, or documentation
Re-submission of credit disputes or corrections to filings
Extension of service timelines to allow for additional work
Assignment of a different account manager or consultant
Modification of service approach or strategy
Provision of additional resources, training, or guidance

5.4 Resolution Measures as Exclusive Remedy

The resolution measures offered by the Company through the Service Satisfaction Process constitute the Client's exclusive remedy for service concerns. By accepting the offered resolution measures, the Client agrees that all concerns have been adequately addressed and waives any further claims for refunds, credits, or other adjustments related to the services.

5.5 Failure to Complete Process

Any request for refund, credit, or adjustment submitted without first completing the Service Satisfaction Process will be denied. Chargebacks or payment disputes initiated without completing this process may result in legal action as described in Section 6.

6. Chargebacks and Payment Disputes (Prohibited)

6.1 Agreement Not to Initiate Unauthorized Chargebacks

By purchasing services, the Client agrees not to initiate chargebacks, payment disputes, or bank reversals without first completing the Service Satisfaction Process described in Section 5. Initiating a chargeback or payment dispute without following the required process constitutes a material breach of the Terms and Conditions.

6.2 Consequences of Unauthorized Chargebacks

If a Client initiates a chargeback or payment dispute without completing the Service Satisfaction Process, the Company reserves the right to pursue the following remedies:

Immediate Suspension of Services: All active services will be immediately suspended and the Client Portal access will be revoked
Termination of Client Relationship: The client relationship will be terminated and the Client will be prohibited from purchasing future services
Collections Proceedings: The Company may engage collection agencies or legal counsel to recover the disputed amount plus additional costs as described below
Recovery of Costs: The Client will be liable for all costs incurred by the Company in responding to the chargeback, including but not limited to chargeback fees charged by payment processors (typically $15-$100 per chargeback), legal fees, administrative costs, and collection agency fees
Credit Bureau Reporting: The Company may report the delinquent account and chargeback fraud to credit bureaus and commercial debt reporting agencies
Legal Action: The Company may pursue legal action in accordance with the dispute resolution provisions of the Terms and Conditions to recover the disputed amount, costs, and damages

6.3 Chargeback Defense

The Company vigorously defends against unauthorized chargebacks. We maintain comprehensive documentation of all services provided, including:

Signed service agreements and Terms and Conditions acceptance records
Detailed service delivery logs and timestamps
Communication records (emails, call logs, portal messages)
Deliverables provided to the Client
Third-party confirmation of filings, submissions, and vendor relationships
Client Portal access logs demonstrating Client use of services

This documentation is submitted to payment processors and financial institutions to contest fraudulent chargebacks.

6.4 Legitimate Dispute Process

If a Client has a legitimate billing dispute (unauthorized charge, duplicate charge, incorrect amount charged), the Client should contact us immediately at derrick@estatevisionmgmt.com. We will work in good faith to resolve billing errors promptly. Legitimate billing disputes may be resolved without the negative consequences described in Section 6.2.

7. Non-Refundable Items and Costs

The following items and costs are explicitly non-refundable under all circumstances:

7.1 Government Fees and Filings

State business formation filing fees (LLC, corporation, partnership formation)
State annual report and franchise tax fees
Employer Identification Number (EIN) application fees (if applicable)
Business license application fees
DBA (Doing Business As) registration fees
UCC filing fees
Any other government agency fees or charges

7.2 Credit Bureau and Reporting Fees

Credit report purchase fees (personal and business credit reports)
Credit monitoring subscription fees
Credit bureau dispute submission fees
Business credit profile setup fees (Dun & Bradstreet DUNS number, etc.)

7.3 Third-Party Vendor Costs

Registered agent service fees
Tradeline posting fees and authorized user setup costs
Business listing and directory submission fees
Domain name registration and renewal fees
Web hosting fees
Professional liability insurance premiums (if obtained as part of service package)
Business phone number setup and monthly service fees
Virtual office or business address service fees

7.4 Marketing and Promotion Services

SEO (Search Engine Optimization) services once work has been performed and content deployed
Press release writing, distribution, and publication fees
Social media account setup and content creation
Digital advertising spend (Google Ads, Facebook Ads, etc.)
Graphic design work for logos, branding materials, or marketing collateral

7.5 Technology and Platform Costs

Website development costs once design work has commenced or site has been deployed
E-commerce platform setup fees
Client Portal provisioning and setup
Software licenses obtained on the Client's behalf
Third-party API access fees

7.6 Professional Services Rendered

Completed consultations and strategy sessions
Custom research and analysis specific to the Client
Document preparation, drafting, and review
Reports, analyses, and strategic plans delivered to the Client
Time spent communicating with third parties on the Client's behalf

Important: Before purchasing services, Clients should carefully review the service package details to understand which third-party costs are included. These costs are incurred by the Company on the Client's behalf and are immediately non-recoverable once initiated.

8. Hardship Exceptions (Documented Circumstances Only)

8.1 Qualifying Hardship Circumstances

The Company may, in its sole discretion, grant exceptions to the refund policy in the following documented hardship situations:

Medical Emergency: Serious illness, injury, or medical condition of the Client or an immediate family member (spouse, child, parent, sibling) that prevents the Client from continuing with services. Requires supporting documentation from a licensed medical professional.
Military Deployment: Unexpected military deployment or relocation that prevents the Client from utilizing services. Requires official military deployment orders or documentation from commanding officer.
Death in Immediate Family: Death of the Client's spouse, child, parent, or sibling. Requires death certificate or obituary documentation.
Natural Disaster or Emergency: Natural disaster (hurricane, flood, earthquake, wildfire), home fire, or similar emergency that directly impacts the Client's ability to continue with services. Requires documentation from emergency services, insurance claims, or government disaster declarations.

8.2 Required Documentation

To request a hardship exception, the Client must submit:

Written explanation of the hardship circumstances and how they prevent continuation of services
Supporting documentation as described in Section 8.1 (medical records, military orders, death certificate, disaster declaration, etc.)
Request submitted within thirty (30) days of the hardship event occurring

8.3 Hardship Exception Outcomes

If a hardship exception is granted, the Company may offer one or more of the following remedies at its discretion:

Service pause or extension allowing the Client to resume services when circumstances improve (up to 12 months)
Partial credit toward future services (minus work completed and third-party costs incurred)
Transfer of services to another individual (spouse or family member) if applicable
In rare and extreme circumstances, a partial refund (minus work completed, deliverables provided, and all third-party costs incurred)

8.4 No Guarantee of Exception

Hardship exceptions are granted solely at the Company's discretion on a case-by-case basis. Meeting the criteria described in Section 8.1 does not guarantee that an exception will be granted. The Company's decision is final and binding.

9. Process for Requesting Refund Consideration

9.1 Written Request Required

All requests for refunds, partial credits, or hardship exceptions must be submitted in writing to derrick@estatevisionmgmt.com. Verbal requests or requests submitted through other channels will not be considered.

9.2 Required Information

The written request must include:

Client name and account number
Service package purchased and purchase date
Detailed explanation of the reason for the request
Supporting documentation (if requesting hardship exception)
Confirmation that the Service Satisfaction Process has been completed (unless requesting pre-service cancellation within 72 hours)
Contact information for follow-up

9.3 Submission Deadline

Requests must be submitted within thirty (30) days of the service purchase date or the event giving rise to the request (in the case of hardship exceptions). Requests submitted after 30 days will not be considered except in extraordinary circumstances at the Company's sole discretion.

9.4 Company Response Timeline

The Company will review the request and respond within ten (10) business days of receipt. The response will include:

Determination of whether the request qualifies under any provision of this Refund Policy
If applicable, the amount of any refund or credit to be issued
Explanation of the decision
Next steps and timeline for processing (if approved)

9.5 Final Determination

The Company's determination regarding refund requests is final and binding. The Company reserves the right to request additional information or documentation before making a final determination. Failure to provide requested information within the specified timeframe may result in denial of the request.

10. Governing Law and Dispute Resolution

10.1 Incorporation of Terms and Conditions

This Refund Policy is incorporated into and governed by the Estate Vision Mgmt LLC Terms and Conditions. In the event of any conflict between this Refund Policy and the Terms and Conditions, the Terms and Conditions shall control.

10.2 Governing Law

This Refund Policy shall be governed by and construed in accordance with the laws of the State of New Mexico, without regard to its conflict of law principles. Any disputes arising from this Refund Policy shall be resolved in accordance with the dispute resolution provisions set forth in the Terms and Conditions, including mandatory mediation and binding arbitration.

10.3 Jurisdiction and Venue

Any legal action or proceeding arising out of or related to this Refund Policy shall be brought exclusively in the state or federal courts located in Bernalillo County, New Mexico. The Client irrevocably consents to the jurisdiction and venue of such courts.

10.4 Dispute Resolution Process

Disputes regarding refunds, credits, or application of this Refund Policy must be resolved through the dispute resolution process set forth in the Terms and Conditions, including good faith mediation before pursuing arbitration or litigation.

11. Client Acknowledgment and Agreement

By purchasing services from Estate Vision Mgmt LLC, the Client acknowledges, understands, and agrees to the following:

The Client has carefully read, understood, and agrees to be bound by this Refund Policy in its entirety.
The Client understands that all services are custom-tailored to their specific situation and cannot be resold or reassigned once work has commenced.
The Client acknowledges that work typically begins within 24-48 hours of purchase and that the no-refund policy applies once work has commenced.
The Client understands that third-party costs incurred on their behalf are non-refundable and that they are responsible for these costs even if services are cancelled or terminated.
The Client agrees to complete the Service Satisfaction Process before requesting any refund or credit and understands that the resolution measures offered through this process are the exclusive remedy for service concerns.
The Client agrees not to initiate chargebacks or payment disputes without first completing the Service Satisfaction Process and understands the consequences of unauthorized chargebacks as described in Section 6.
The Client understands that refunds and credits are granted solely at the Company's discretion and that the Company's determination is final and binding.
The Client acknowledges that they have had the opportunity to ask questions about this Refund Policy and the services before making a purchase decision.

IMPORTANT: This Refund Policy is designed to protect both the Client and the Company by establishing clear expectations regarding the limited circumstances under which refunds may be available. If you have any questions or concerns about this policy, please contact us at derrick@estatevisionmgmt.com or (888) 846-2558 before purchasing services. We are committed to your success and satisfaction and will work with you in good faith to address any legitimate concerns through our Service Satisfaction Process.

For Questions or to Request Refund Consideration:
Email: derrick@estatevisionmgmt.com
Phone: (888) 846-2558
Estate Vision Mgmt LLC
500 Marquette Avenue NW, Suite 1200-5243
Albuquerque, New Mexico 87102

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