Non-Refund Policy
This Non-Refund Policy (“Policy”) outlines the terms and conditions governing all payments made to ITB HOLDINGS LLC (“Company”). By submitting payment for any service, subscription, program, or digital content provided by the Company, the customer (“Client”) acknowledges and agrees to the terms stated below. This Policy applies to all purchases unless otherwise stated in a written agreement signed by both the Company and the Client.
The Company is committed to providing high-quality services and ensuring that all Clients have clear expectations regarding payment obligations. Due to the nature of our offerings—many of which involve digital delivery, fee-based services, all sales are final and strictly non-refundable. Once a payment has been submitted, the Client understands that no refunds, chargebacks, cancellations, or credits will be issued for any reason, except as explicitly detailed within this Policy.
Clients are responsible for reviewing all service descriptions, pricing information, and terms before making a purchase. The Company encourages Clients to contact us with any questions prior to completing a transaction to ensure full understanding of what is being purchased. Access to digital materials, downloadable resources, proprietary content, or scheduled services is considered consumed at the time of purchase or upon delivery, regardless of whether the Client chooses to access, participate in, or utilize the purchased service.
Exception for Duplicate Payments Made in Clear Error
The sole exception to our non-refund policy applies in the case of accidental duplicate payments made by the Client. A duplicate payment is defined as two or more identical charges submitted unintentionally by the Client for the same service, occurring within a short timeframe, and clearly verifiable through the Company’s payment records. In such cases, the Company will refund the duplicate amount once the error has been confirmed.
To request a refund for a duplicate payment, the Client must notify the Company in writing within 7 calendar days of the transaction. The request must include the Client’s full name, purchase date, payment method, and any transaction IDs or receipts available. Upon verification, the Company will process the refund for the duplicate amount to the original payment method within 7–14 business days. This exception does not apply to mistaken purchases, dissatisfaction with services, misunderstanding of service descriptions, or any other reason unrelated to an objectively verifiable duplicate charge.
Chargebacks
The Client agrees not to initiate a payment dispute or chargeback without first contacting the Company to resolve any concerns. Unauthorized chargebacks constitute a breach of this Policy and may result in suspension of services, additional fees, or legal action where applicable.
Acknowledgment
By completing a purchase, the Client acknowledges that they have read, understood, and agreed to this Non-Refund Policy in full, including the limited exception for duplicate payments. It is the Client’s responsibility to review this Policy regularly, as the Company reserves the right to update or modify it at any time without prior notice.