Payment, Refund & Cancellation Policy
This policy covers payments, refunds, and cancellations for services offered by One United Enterprise LLC ("Company," "we," "our," or "us") through CreditCareCourse.com.
1. Free Services
All live classes and workshops are 100% free to attend. Materials marked "Free" never require payment. Attending a class is never required to access free materials, and purchasing materials is never required to attend a class.
2. Paid Materials and Courses
Some downloadable materials and courses are offered for a one-time fee, processed securely through our third-party payment processor. Because these are digital products delivered immediately upon purchase (via instant download or immediate course access), all sales are final and non-refundable once the material has been downloaded or the course has been accessed, except where required by law or where we determine, in our discretion, that a refund is appropriate (for example, a technical error preventing access).
3. Optional Membership
The optional membership is a recurring monthly subscription billed to the payment method on file. The first charge occurs at signup, and the membership renews automatically each month until canceled. You may cancel at any time from your account's membership management page — cancellation takes effect at the end of the current billing period, and no partial-month refunds are provided for the remainder of a billing cycle already paid for. Membership is entirely optional and never required to access free classes or free materials.
4. Failed or Declined Payments
If a membership renewal payment fails, your membership status may be marked past due. We do not restrict access to free content based on membership status. If payment issues are not resolved, your membership subscription may ultimately be canceled by our payment processor.
5. Class Cancellations
We may occasionally need to reschedule or cancel a class. Because classes are free, no monetary refund applies; we will make reasonable efforts to notify registered attendees of any change.
6. 1-on-1 Mentoring Sessions
Submitting a 1-on-1 mentoring request does not create a financial obligation and does not charge any payment method. Any session rate shown is informational. Payment terms, scheduling, and cancellation terms for an approved 1-on-1 session are arranged directly between you and the mentor or Company after approval, and are not processed through this Site's checkout system.
7. Chargebacks
If you believe you were charged in error, please contact us before initiating a chargeback with your bank or card issuer so we can attempt to resolve the issue directly.
8. Contact
Questions about a charge, refund, or cancellation can be directed to One United Enterprise LLC using the contact details provided at signup or on your account correspondence.