Refund and Cancellation Policy

4.1 Three-Business-Day Cancellation Right

Where LVC is acting as a credit repair organization, you may cancel your signed service contract without any penalty or obligation before midnight of the third business day after the signing date.

You will receive a legally required Notice of Cancellation along with your Service Agreement. Cancellation requests may be submitted by sending an email to info@lvc-solutions.com or by sending a written notice to:

4.2 Billing Only After Performance

LVC will never charge or receive payment for covered credit-repair services before the agreed services have been fully performed. All invoices sent to you will explicitly identify:

• The specific service completed
• The completion date
• The amount due
• The applicable service period or deliverable

Website terms or buttons such as “setup fee,” “pay now,” or “monthly subscription” are not used to collect advance payments for credit-repair work.

4.3 Monthly or Recurring Services

Where recurring billing is permitted by law, charges are applied only to completed and documented work for the relevant billing period. You may cancel future services at any time through:

• The online client portal
• Written email to info@lvc-solutions.com
• Written mail to our business address

Cancellation stops future work and billing but does not erase charges validly earned for work already completed.

4.4 One-Time Advisory Services

For coaching, educational reports, readiness assessments, or other services not legally treated as credit-repair services, no charge will be made before delivery unless permitted by applicable law. Once a scheduled consultation or completed written deliverable has been provided, amounts earned are generally non-refundable unless the service materially failed to match the written scope of work.

4.5 Refund Eligibility

A refund may be issued under the following circumstances:

• A duplicate payment occurred
• LVC charged for work that was not completed
• A billing or invoicing error occurred
• A required cancellation right was timely exercised
• LVC approves a service-recovery refund
• Applicable federal or state law requires it

Please note that a refund is not automatically available because:

• Your credit score did not increase
• A credit bureau verified the accuracy of an account
• A creditor refused to delete a negative mark
• A landlord or lender denied your application
• You stopped following your personalized credit action plan
• Accurate, timely negative information remained on your report

4.6 Chargebacks and Processing

Approved refunds are sent back to the original payment method when practicable. We request that you contact us before initiating a chargeback dispute so that we can investigate and resolve the issue directly. This does not limit any legal chargeback rights you may have.