Refund Policy

1. Overview & Philosophy

At FinCore, we stand behind the quality of our marketing consulting services and are committed to client satisfaction. We understand that circumstances change, and we aim to handle all refund requests fairly, professionally, and in good faith.

Because our services involve the investment of time, expertise, and proprietary knowledge from the moment an engagement begins, our refund policy distinguishes between different service types and stages of completion. This policy is designed to be fair to both clients and our consulting team.

Please read this policy carefully before engaging our services. By signing a service agreement or paying for any FinCore service, you acknowledge and agree to the terms outlined below.

2. Service Deposits

Most project-based consulting engagements require a deposit (typically 50% of the total project fee) prior to commencement of work. This deposit secures your place in our schedule and compensates FinCore for initial discovery, planning, and resource allocation.

Deposits are non-refundable once work has begun. "Work has begun" means any of the following have occurred: an initial discovery call has been conducted, research or analysis has been initiated, or any written deliverable has been started.

If you cancel before any work has begun and prior to the scheduled start date, your deposit may be refunded in full at FinCore's sole discretion, provided that cancellation is made in writing at least 5 business days before the scheduled start date.

3. Monthly Retainer Cancellations

Monthly retainer agreements provide ongoing consulting services billed on a recurring monthly basis. The following terms apply to retainer cancellations:

• Notice Requirement: You must provide a minimum of 30 days' written notice to cancel a monthly retainer. Notice must be sent via email to hintond613@gmail.com.
• Current Billing Period: No refund will be issued for the current billing period in which the cancellation notice is received. You will continue to receive services through the end of the current billing cycle.
• Future Billing: No future charges will be assessed after the current billing period ends, provided proper notice was given.
• Minimum Term: If your retainer agreement specifies a minimum commitment period, early cancellation before the minimum term expires may be subject to an early termination fee as specified in your service agreement.

4. Project-Based Work Refunds

For project-based consulting engagements (e.g., marketing strategy development, brand positioning, marketing audits, campaign planning), the following refund schedule applies:

• Cancellation Before Work Begins: Full refund of any amounts paid, minus a 10% administrative processing fee, provided written cancellation is received at least 5 business days before the scheduled start date.
• Cancellation Before 50% Completion: A partial refund may be issued for the portion of work not yet completed, less the non-refundable deposit. The refund amount will be calculated based on FinCore's assessment of work completed at the time of cancellation.
• Cancellation After 50% Completion: No refund will be issued. You will remain responsible for the full project fee as specified in your service agreement.
• Completion of All Deliverables: No refund will be issued once all agreed-upon deliverables have been completed and delivered, regardless of whether you choose to implement the recommendations.

5. One-Time Consultation Refunds

For individually scheduled strategy calls or one-time consultation sessions, the following cancellation and refund policy applies:

• Cancellation 24+ Hours in Advance: Full refund of the consultation fee. Cancellations must be made in writing via email to hintond613@gmail.com.
• Cancellation Less Than 24 Hours in Advance: No refund will be issued. The session fee is forfeited. You may request to reschedule one time at no additional charge, subject to availability.
• No-Shows: If you fail to attend a scheduled consultation without providing any notice, the session fee is forfeited in full and no rescheduling option will be offered.
• FinCore-Initiated Rescheduling: If FinCore must cancel or reschedule a consultation, you will receive a full refund or a rescheduled session at your preference.

6. Dispute Process

Before initiating any chargeback, payment dispute, or third-party complaint, we strongly encourage you to contact us directly to discuss your concerns. Most issues can be resolved quickly and amicably through direct communication.

To initiate a refund request or dispute, please email us at hintond613@gmail.com with the subject line "Refund Request" and include the following information:

• Your full name and business name
• The service or engagement in question
• The date of purchase or engagement start
• The reason for your refund request
• Any relevant documentation or correspondence

We will acknowledge your request within 2 business days and work with you to reach a fair resolution. Initiating a chargeback without first contacting FinCore may result in termination of your account and any ongoing service agreements.

7. Non-Refundable Items

The following are non-refundable under all circumstances:

• Completed and delivered strategy documents, audit reports, or other written deliverables
• Completed consultation sessions that were attended
• Deposits for work that has commenced
• Any portion of a retainer for the current active billing period
• Administrative fees or processing fees
• Third-party costs incurred on your behalf (e.g., software subscriptions, tools purchased specifically for your project)

8. How to Request a Refund

To request a refund, please follow these steps:

1. Send an email to hintond613@gmail.com with the subject line "Refund Request – [Your Name]".
2. Include your full name, the service purchased, the date of purchase, and a clear description of your reason for requesting a refund.
3. Attach any relevant documentation, such as your signed service agreement or invoice.
4. We will review your request and respond within 2 business days with our determination.
5. If approved, refunds will be processed within 5–10 business days to the original payment method.

9. Processing Time

Approved refunds will be processed within 5–10 business days from the date of approval. Refunds will be returned to the original payment method used at the time of purchase. Please note that your bank or payment processor may require additional time to post the refund to your account, which is outside of FinCore's control.

10. Changes to This Policy

FinCore reserves the right to modify this Refund Policy at any time. Changes will be effective upon posting to our website. For active clients with existing service agreements, the refund policy in effect at the time your agreement was signed will govern that engagement unless otherwise agreed in writing.

11. Governing Law

This Refund Policy is governed by and construed in accordance with the laws of the State of Mississippi, United States. Any disputes arising from refund requests that cannot be resolved through our dispute process will be subject to binding arbitration in Gulfport, Mississippi, as outlined in our Terms and Conditions.

12. Contact Information

For refund requests or questions about this policy, please contact us: