Refund Policy

Executive Summary

This Refund Policy is designed to (1) clearly define when a refund is and is not available, (2) eliminate ambiguity around service-based refund requests, and (3) strengthen the Company's ability to defend payment disputes through documented proof of access and service delivery.

Key rules in plain English:

  • Refunds for free-content downloads are not applicable. Free guides, spreadsheets, and resources carry no charge and therefore no refund.
  • Paid coaching programs are governed by the signed coaching agreement. Any satisfaction or money-back guarantee, and its conditions, are defined in the written Client Service Agreement you sign before enrollment.
  • No outcome guarantees. We provide coaching, education, and guidance — not guaranteed financial results.
  • Chargebacks are a breach. If you file a chargeback in violation of this Policy and your coaching agreement, we treat that as a contract breach and will submit extensive evidence to the processor/bank.

Company Identity and Acceptance

This Refund Policy applies to all services and engagements with Block & Barker LLC (“Company,” “we,” “us”). By engaging with our services, you (“Client,” “you”) agree to this Refund Policy and the full Terms of Service.

Definitions

  • “Access Granted” means any one or more of the following occurs: (a) you receive access to any coaching materials, guides, or proprietary resources, (b) you schedule or attend any coaching session or call, or (c) the Company performs any coaching, advisory, or onboarding services for you.
  • “Coaching Agreement” means the separate written Client Service Agreement that governs a paid coaching program, including any satisfaction or money-back guarantee terms.

Coaching Program Money-Back Guarantee

Where a paid Block & Barker LLC coaching program is offered with a money-back or satisfaction guarantee, the eligibility conditions, required participation, time limits, and refund mechanics for that guarantee are set out in the written Coaching Agreement signed at enrollment. That Coaching Agreement controls in the event of any conflict with this general Refund Policy. The guarantee typically requires the Client to complete the program steps and participation requirements in good faith.

Refund Eligibility (Outside the Coaching Guarantee)

For any product or service not covered by a Coaching Agreement guarantee, refunds are available only under the following conditions:

  1. Pre-Access Cancellation Only. A refund request is eligible only if ALL of the following are true:
    • You submit a written refund request before Access Granted, and
    • No materials have been delivered or unlocked, and
    • No coaching or consultation services have been performed, and
    • You remain in good standing (no abuse, threats, chargebacks, or policy violations).
  2. Administrative Fee and Processing Fees. Any approved pre-access refund will be reduced by:
    • A reasonable administrative fee, and
    • Non-refundable payment processing fees actually incurred.
  3. No Refund After Access Granted. Except where a Coaching Agreement guarantee applies, once Access Granted occurs, all sales are final for any reason, including but not limited to:
    • dissatisfaction unrelated to a contracted guarantee,
    • change in goals or financial situation,
    • schedule conflicts, personal circumstances, or business changes,
    • market conditions or economic factors.

No Liability for Outcomes

The Company provides coaching, education, and guidance. The Company does not guarantee that you will:

  • acquire any property within any particular timeframe,
  • achieve any particular financial result or return,
  • avoid loss of money,
  • achieve any specific outcome.

Refund requests based solely on the absence of a particular result are not valid, except as expressly provided by a Coaching Agreement guarantee.

Refund Request Process

  1. How to Request. Refund requests must be submitted in writing to pschielke@blockandbarker.com. Requests made via DMs, social media, or text message are not considered official refund requests.
  2. Required Information. Your request must include:
    • Full name
    • Date of engagement
    • Service or product in question
    • Email and phone number used
    • A statement requesting a refund under this Refund Policy or the applicable Coaching Agreement
  3. Company Review Window. The Company will respond within ten (10) business days.
  4. Refund Method. Approved refunds are issued only to the original payment method.

Chargebacks, Disputes, and Consequences

  1. Internal Resolution First. Before filing a payment dispute/chargeback, you must contact the Company in writing and allow ten (10) business days for internal resolution.
  2. Chargebacks in Violation of This Policy = Material Breach. Initiating a chargeback or payment reversal in violation of this Policy and your Coaching Agreement constitutes a material breach and may result in immediate termination of access and escalation to collections.
  3. Evidence the Company Will Submit. You agree the Company may submit evidence to payment processors and banks, including:
    • Electronic acceptance logs and signed agreements
    • Access logs and material delivery records
    • Communication logs (email, SMS, scheduling records)
    • Attendance records and call notes
    • Payment receipts and transaction metadata
  4. Indemnity for Dispute Costs. You agree to reimburse the Company for chargeback fees, administrative costs, and reasonable collection costs arising from disputes that violate this Policy.

Indemnity (Claims Protection)

You agree to defend, indemnify, and hold harmless Block & Barker LLC from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorney fees) arising out of your breach of this Refund Policy.

Governing Law

This Refund Policy is governed by the laws of the State of New York. Any disputes shall be resolved in the appropriate courts located within New York.