AFFLUENT METHOD

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REFUND & CANCELLATION POLICY

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Effective Date: August 21, 2026
Business: Affluent Method LLC
Website: affluentmethod.com

Affluent Method LLC (“Affluent Method,” “we,” “us,” or “our”) provides financial services that may include credit-related services, tax preparation services, financial consultations, and related business services.

This Refund & Cancellation Policy explains how cancellations, refunds, and payment disputes are handled. This Policy is intended to be read together with the applicable service agreement, disclosures, and other policies provided to each client.

Nothing in this Policy is intended to waive, limit, or eliminate any right or remedy that cannot lawfully be waived under applicable federal or state law. If a law provides a consumer with a greater right to cancel or receive a refund, that law will control.

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1. CREDIT SERVICES​

Credit-related services offered by Affluent Method are subject to applicable federal and state consumer-protection laws, including the Credit Repair Organizations Act (“CROA”), 15 U.S.C. §§ 1679–1679j, where applicable.

Federal law places specific requirements on companies that provide credit-repair services, including requirements concerning written contracts, consumer disclosures, cancellation rights, and payment practices.

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1.1 Three-Business-Day Cancellation Right​

Where CROA applies, a consumer has the right to cancel the credit-repair agreement without penalty or obligation within three business days after the agreement is signed, subject to the requirements of applicable law.

If a consumer exercises a legally protected cancellation right within the applicable cancellation period, Affluent Method will process any refund required by law.

Consumers should use the cancellation instructions contained in their credit-services agreement and/or written cancellation notice provided by Affluent Method.

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1.2 No Waiver of Legal Rights​

A client may not be required to waive rights provided by federal or state law as a condition of receiving credit-repair services.

Nothing in this Refund Policy, a service agreement, invoice, website, payment page, or other communication is intended to require a consumer to waive a legally protected cancellation or refund right.

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1.3 Credit-Repair Payments

Affluent Method will structure and collect payment for credit-repair services in accordance with applicable law.

Affluent Method does not guarantee a particular credit score, approval, deletion of negative information, loan approval, financing approval, or other specific credit outcome.

Credit-report information that is accurate, current, and legally reportable generally cannot lawfully be removed simply because it is negative. Affluent Method will not represent that it can legally remove accurate negative information from a consumer's credit report.

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1.4 Client-Initiated Cancellation After the Legal Cancellation Period

After the expiration of any applicable statutory cancellation period, a client may request cancellation of ongoing services in accordance with the client's individual service agreement.

For recurring services, cancellation generally stops future services and future recurring charges after the cancellation becomes effective. Cancellation does not automatically entitle the client to a refund of amounts that were lawfully charged for services already performed.

However, nothing in this section limits a client's right to a refund or other remedy when required by applicable federal or state law.

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1.5 Client Failure to Provide Information

Clients are responsible for providing complete and accurate information reasonably necessary to perform the services they purchased.

If a client does not provide requested documents, information, identification, credit-report access, authorizations, or other required materials, Affluent Method may be unable to perform certain services.

A failure to provide requested information does not eliminate any cancellation or refund rights provided by applicable law.

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2. TAX PREPARATION SERVICES

Tax preparation services are different from credit-repair services and are governed by the applicable service agreement and federal and state law.

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2.1 Tax Preparation Fees

Tax preparation fees are based on the services requested and the complexity of the tax return or tax-related service.

Before services are performed, clients will be informed of applicable fees and charges.

Affluent Method will not misrepresent the amount, purpose, or nature of any fee.

 

2.2 Cancellation Before Work Begins

If a client cancels a tax-preparation service before Affluent Method has begun performing the requested work, Affluent Method may issue a refund according to the applicable service agreement, less any amounts that are lawfully non-refundable or represent services already performed.

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2.3 Cancellation After Work Begins

Once tax preparation or other tax-related work has begun, the client may be responsible for fees attributable to work already performed.

If the amount paid exceeds the amount properly owed for services actually performed, Affluent Method may issue a refund of the applicable difference.

If a refund is required by applicable law, Affluent Method will provide the refund required by law.

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2.4 Completed Tax Returns

Once a tax return has been substantially completed, reviewed, signed, or transmitted/e-filed at the client's authorization, the client may not be entitled to a refund of fees for work already performed.

Affluent Method does not guarantee a specific tax refund amount, tax outcome, audit outcome, IRS acceptance, or processing time.

The amount of a taxpayer's refund or tax liability is determined by applicable tax law and the information contained in the taxpayer's return.

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2.5 IRS or State Processing

Affluent Method is not responsible for delays, changes, adjustments, examinations, audits, notices, processing delays, or refund delays caused by the IRS, state tax agencies, financial institutions, or other third parties.

Such circumstances do not automatically create a right to a refund of tax-preparation fees for services already performed.

 

3. CONSULTATIONS AND OTHER SERVICES

Fees for consultations, business services, financial education, document preparation, business setup assistance, and other services will be governed by the applicable service description or service agreement.

If a service is cancelled before work begins, any refund will be handled according to the applicable service agreement and applicable law.

If Affluent Method has already performed work, the client may be responsible for the portion of the fee attributable to services actually performed.

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4. REFUND REQUESTS

To request a refund, cancellation, or review of a charge, clients should contact Affluent Method using the contact information provided in their service agreement or on the Affluent Method website.

A refund request should include:

• Client's full name

• Email address or telephone number associated with the account

• Date of payment

• Amount paid

• Service purchased

• Reason for the refund request

• Any supporting documentation

Affluent Method may request additional information reasonably necessary to review the request.

Refund requests will be reviewed on a case-by-case basis in accordance with the applicable service agreement and federal and state law.

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5. REFUND PROCESSING

When Affluent Method determines that a refund is owed, the refund will generally be issued to the original payment method used by the client unless another method is required or permitted by law.

Processing times may vary depending on the payment processor or financial institution.

Affluent Method does not control the time required by a bank, credit-card company, or payment processor to post a refund to a client's account.

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6. DUPLICATE OR UNAUTHORIZED CHARGES

If a client believes that they have been charged twice for the same service or that a transaction was not authorized, the client should contact Affluent Method promptly so the transaction can be investigated.

Affluent Method reserves the right to investigate disputed transactions and request documentation concerning the transaction.

Nothing in this section limits any rights a consumer may have under applicable federal or state payment laws.

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7. CHARGEBACKS AND PAYMENT DISPUTES

Clients are encouraged to contact Affluent Method first regarding billing concerns so that the company can investigate and resolve legitimate billing issues.

Nothing in this Policy prohibits or restricts a consumer from exercising rights available under applicable law.

Affluent Method may provide relevant documentation to a payment processor or financial institution when responding to a disputed transaction.

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8. NO GUARANTEE OF RESULTS

Affluent Method provides professional services but does not guarantee:

• A specific credit score

• Removal of accurate negative credit information

• Credit approval

• Loan approval

• Mortgage approval

• Business funding approval

• A specific tax refund

• A specific tax liability

• IRS or state approval of a tax position

• Elimination of tax debt

• Avoidance of an audit

• A particular financial outcome

• A particular timeframe for a third party to process an application, credit report, tax return, refund, or other transaction

Any representation concerning a guaranteed result that is inconsistent with applicable law or the client's written agreement is not authorized.

 

9. CHANGES TO SERVICES

Affluent Method reserves the right to modify, discontinue, or change its services, pricing, or service packages.

Any change to an existing client's services or payment obligations will be handled in accordance with the client's applicable agreement and applicable law.

 

10. GOVERNING LAW

This Refund & Cancellation Policy will be interpreted consistently with applicable federal law and the laws applicable to the services and transaction.

Where federal or state law provides a consumer with rights that cannot legally be waived, those rights will supersede any conflicting provision of this Policy.

 

11. IMPORTANT CONSUMER PROTECTION NOTICE

Credit-repair services are subject to federal consumer-protection requirements. Federal law prohibits credit-repair organizations from making certain misleading representations and generally prohibits them from demanding payment before the promised credit-repair services have been fully performed. Consumers also have specific cancellation rights under federal law.

Affluent Method intends to operate its credit-related services in compliance with applicable federal and state requirements.

This Refund & Cancellation Policy is not intended to replace the separate written credit-services agreement, required consumer disclosures, cancellation notice, or other documents that may be required by applicable law.

 

CONTACT

Affluent Method LLC
Website: affluentmethod.com

For questions regarding a cancellation, refund, or billing issue, please contact Affluent Method through the contact information provided on the Affluent Method website or in the client's service agreement.

Last Updated: August 2026