SMG Smart Money Group Refund Policy Disclaimer

Last Updated: [Insert Date]

SMG Smart Money Group ("SMG," "we," "our," or "us") strives to provide high-quality credit enhancement services. However, due to the nature of our services, SMG maintains a strict refund policy. By purchasing and using our services, you acknowledge and agree to the following terms of this Refund Policy Disclaimer:

1. Non-Refundable Services

All fees paid to SMG for credit enhancement services are non-refundable, except as otherwise explicitly stated in writing. Once payment has been made and services have commenced, no refunds will be issued. Credit enhancement is a personalized process, and our fees cover the time, effort, and resources dedicated to your case, regardless of the outcome.

2. Service Commitment

Our services begin once we initiate credit analysis, consultation, or dispute processes on your behalf. As credit improvement involves multiple factors beyond our control—such as the responsiveness of credit bureaus and creditors—SMG cannot guarantee specific results. You understand and agree that the service fees reflect the effort and expertise provided, not the final result of credit enhancement.

3. Exception for Pre-Paid Services

If you have paid in advance for services that have not yet commenced, you may be eligible for a partial refund at SMG’s discretion. Requests for refunds must be made in writing and are subject to review. Any refunded amount will reflect deductions for administrative and processing costs, and the specific services already provided up to the date of the refund request.

4. No Guarantees on Results

SMG makes no representations or warranties regarding specific credit score improvements or the removal of any negative items from your credit report. Our services are designed to assist you with credit optimization, but outcomes depend on multiple external factors, including your personal financial behavior, the credit bureaus, and creditors. As such, we do not offer refunds based on dissatisfaction with the results.

5. Client Responsibilities

To receive the maximum benefit from our services, it is your responsibility to:

• Provide accurate and complete information.

• Follow the recommendations and steps outlined by SMG.

• Respond promptly to any requests for documentation or further action. Failure to fulfill these obligations may negatively impact the outcome of our services, and refunds will not be provided in such cases.

6. Chargebacks and Payment Disputes

Initiating a chargeback or payment dispute with your credit card company or bank for services rendered may result in the immediate termination of your access to our services. We encourage clients to contact us directly to resolve any billing issues. SMG reserves the right to pursue legal action for fraudulent chargebacks.

7. Contact Information for Refund Requests

All refund requests must be submitted in writing to SMG at the following contact information:

SMG Smart Money Group
Email: [Insert Email]
Phone: [Insert Phone Number]
Address: [Insert Address]

SMG will review each refund request on a case-by-case basis, and any decision made regarding refunds will be final.

8. Amendments to the Refund Policy

SMG reserves the right to modify or amend this Refund Policy at any time without prior notice. Any changes to this policy will be posted on our website, and your continued use of our services constitutes your acceptance of the revised Refund Policy.

This Refund Policy Disclaimer ensures that clients understand the non-refundable nature of your services and outlines the specific conditions under which a refund may be considered. Having a clear refund policy is critical for managing client expectations and avoiding disputes.

REFUND POLICY

CREDIT REPAIR SERVICES:

 

A refund will only be granted within the first 24hrs of payment.

A refund will not be honored due to a client failing to provide supporting documents that are needed to start and complete the credit repair process.

 

Documents such as Valid ID, Proof of Residency, SSC, and other vital identification documents required, regardless of the reason as this is a client responsibility. Your file will be placed on hold until the documents are received. 

 

To request a refund an email within the allotted 24hr timeframe all clients must send their refund request to info@businesswithsmg.com

TRADELINE SERVICES:

 

All trade-line purchases are processed immediately and therefore we can not honor a refund based on this factor.

 

A refund request can not be honored if a trade-line does not provide a client with their "expected" credit score increase as there is no way to control how a trade-line will affect a credit score/profile. Not every trade-line will increase a credit score, but may strengthen up the credit profile to increase approval odds and lower interest rates.

 

All trade-line reporting delays will be communicated and taken care of. If there is a reporting error, a trade-line of the same value will be added to your credit profile. Value means a combination of trade-line limit and age.

 

Example:

Chase $10,000 limit 7yrs = $800

BOA $15,000 limit 4yrs = $800