Lionel Group Strategies values professionalism, transparency, communication, and client satisfaction.
This Refund & Cancellation Policy outlines how refunds, cancellations, recurring billing, disputes, and service terminations are handled.
By purchasing services, scheduling consultations, or enrolling in recurring plans, clients agree to this policy.
1. Our Philosophy
Lionel Group Strategies is committed to:
- clear communication
- honest expectations
- professional service
- operational transparency
- respectful client relationships
We believe credit restoration and financial positioning are long-term strategic processes, not overnight solutions.
Because of the time, analysis, communication, and operational work involved, refunds are handled carefully, fairly, and in good faith.
2. Audit & Education Package
All new clients begin with a required Audit & Education Package.
The audit may include:
- consultation time
- financial review
- document analysis
- strategic planning
- educational guidance
- onboarding preparation
Because work begins immediately after onboarding and scheduling, audit fees are generally non-refundable once:
- consultations are completed
- analysis work has begun
- documents have been reviewed
- strategy preparation has started
- onboarding resources have been delivered
If a cancellation request is submitted before work begins, Lionel Group Strategies may review requests on a case-by-case basis.
3. Monthly Membership Services
Membership services operate on recurring billing cycles.
Clients may cancel services according to the terms of their active agreement.
Cancellation requests must be submitted through official communication channels before the next billing cycle.
Unless otherwise stated in writing:
- previously completed work is non-refundable
- active billing periods are generally non-refundable once processing work has begun
- cancellation stops future recurring billing but does not reverse completed services
Clients retain access through the remainder of the active billing cycle unless services are terminated for policy violations.
4. Refund Review Process
Lionel Group Strategies reviews refund requests professionally and in good faith.
Refund decisions may consider:
- services already performed
- completed consultations
- dispute preparation already completed
- document review completion
- onboarding work completed
- communication history
- client participation
- delivered resources
- account activity
We encourage clients to contact us directly before escalating concerns.
Many issues can be resolved quickly through communication and support.
5. No Guaranteed Outcomes
Refund requests will not be approved solely because:
- results were slower than expected
- credit scores did not increase immediately
- negative items were not removed instantly
- lenders denied applications
- credit bureaus responded unfavorably
- disputes required additional rounds
Lionel Group Strategies does not guarantee:
- specific score increases
- financing approvals
- removals of accurate information
- exact timelines
- immediate results
All services are provided on a best-effort basis.
6. Client Cooperation Requirement
Successful service delivery depends heavily on client participation.
Clients are responsible for:
- providing accurate information
- responding to requests promptly
- submitting requested documentation
- maintaining active payment methods
- reviewing communications
- practicing responsible financial behavior
Refund eligibility may be reduced or denied if service delays or complications result from:
- missing documentation
- inaccurate information
- non-responsiveness
- missed appointments
- repeated payment failures
- failure to follow recommendations
7. Communication Commitment
Lionel Group Strategies prioritizes communication and operational transparency.
Clients may receive:
- account updates
- scheduling notices
- billing notices
- portal notifications
- educational guidance
- workflow updates
We encourage clients to raise concerns early so they can be addressed professionally.
8. Chargebacks & Payment Disputes
Clients agree to contact Lionel Group Strategies directly before filing:
- chargebacks
- bank disputes
- payment reversals
Filing a chargeback without attempting direct resolution may result in:
- immediate service suspension
- portal access restriction
- account termination
- supporting documentation being submitted to the payment processor
Lionel Group Strategies maintains detailed operational records including:
- signed agreements
- scheduling logs
- portal activity
- communications
- uploaded documents
- billing records
- service activity
These records may be used to respond to payment disputes.
9. Failed Payments
Clients are responsible for maintaining valid payment methods.
Failed or declined payments may result in:
- paused services
- missed processing cycles
- restricted portal access
- scheduling restrictions
- account suspension
Repeated failed payments may result in account cancellation.
10. Cancellation Requests
Clients may request cancellation through:
- client portal
- official support channels
Cancellation requests should include:
- full name
- account email
- requested cancellation date
Cancellation requests are not considered complete until confirmed by Lionel Group Strategies.
11. Company-Initiated Termination
Lionel Group Strategies reserves the right to terminate services for:
- abusive behavior
- harassment
- fraud
- repeated chargebacks
- non-payment
- failure to cooperate
- submission of false information
- misuse of services
In such cases, refund eligibility may be limited or denied depending on the circumstances and completed work.
12. Subscription & Billing Timing
Recurring subscriptions renew automatically unless canceled before the next billing cycle.
Clients are responsible for monitoring:
- billing dates
- invoices
- subscription activity
- payment confirmations
Failure to cancel before renewal may result in the next billing cycle being charged.
13. Good Faith Resolution
Lionel Group Strategies believes long-term business growth depends on:
- integrity
- communication
- transparency
- client satisfaction
Whenever possible, we aim to resolve concerns professionally, respectfully, and fairly.
14. Policy Changes
Lionel Group Strategies reserves the right to update or modify this policy at any time.
Updated versions will be posted with revised effective dates.
Continued use of services after updates constitutes acceptance of revised terms.
15. Contact Information
Lionel Group Strategies
36 Russ Street, 3rd Floor Hartford CT 06106
Business mailing address only. Lionel Group Strategies does not accept in-person visits at this location.
Website: lionelgroupstrategies.com
Billing and refund questions: billing@lionelgroupstrategies.com
Cancellation and compliance notices: compliance@lionelgroupstrategies.com
Phone: (203) 856-8005