Refund Policy

1. Three-Day Cancellation Right

Under federal law (CROA), you have the right to cancel your contract with Nova Credit Booster without penalty or obligation:

• At any time before midnight of the third business day after signing your contract
• No reason is required for cancellation within this period
• Any payments made will be fully refunded within 10 business days
• You may cancel by phone, email, mail, or through your client portal

2. Monthly Service Refunds

No Partial Month Refunds

After the three-day cancellation period, we do not provide refunds for partial months of service. Services are billed monthly in arrears (after work is performed), and cancellation takes effect at the end of the current billing cycle.

Work-Performed Basis

In compliance with CROA, we only charge for services after work has been completed. This means you're paying for work already performed, not for future services, which is why partial refunds are not available.

3. Refund Eligibility

You may be eligible for a refund in the following circumstances:

Service Non-Performance

If we fail to perform the services outlined in your contract for a given month, you may request a refund for that specific month's charges.

Duplicate Charges

If you are charged twice for the same service period due to a billing error, the duplicate charge will be promptly refunded.

Unauthorized Charges

If you are charged after properly canceling your services, those charges will be refunded in full.

4. Non-Refundable Situations

Refunds will NOT be provided in the following situations:

• Dissatisfaction with results (we do not guarantee specific outcomes)
• Credit bureaus verifying disputed items as accurate
• Change of mind after the three-day cancellation period
• Failure to provide requested documentation delaying progress
• Cancellation mid-billing cycle (services through the end of the cycle are non-refundable)
• Non-response to communications from us, credit bureaus, or creditors

5. How to Request a Refund

To request a refund, you must:

1. Contact us within 30 days of the charge in question
2. Provide your full name, account information, and reason for refund request
3. Include any supporting documentation if applicable

Contact Methods for Refund Requests:

6. Refund Processing Time

Once a refund is approved:

• We will process the refund within 10 business days
• Refunds are issued to the original payment method
• Credit card refunds may take 5-10 business days to appear on your statement
• ACH refunds may take 7-14 business days to process

7. Chargebacks and Disputes

We encourage you to contact us directly to resolve any billing issues before filing a chargeback with your bank or credit card company. Chargebacks for valid charges may result in suspension of services and termination of your account. We will provide requested documentation to support our charges when contacted by payment processors.

8. Modifications to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be posted on our website with an updated "Last Updated" date. Material changes will be communicated to active clients via email.