RAPID RESCORE PROS — REFUND & CANCELLATION POLICY Last updated: 1970 Rapid Rescore Pros ("Company", "we", "us") believes in fair, transparent billing. This Refund & Cancellation Policy is incorporated by reference into the Credit Restoration Services Agreement signed by every client ("Client", "you"). Where this Policy conflicts with the Services Agreement, the more consumer-favorable term controls. 1. THREE-BUSINESS-DAY RIGHT OF CANCELLATION (CROA) Under the federal Credit Repair Organizations Act (15 U.S.C. § 1679e), Client may cancel this Agreement for any reason within three (3) business days after signing without penalty or obligation. To exercise this right, notify Company in writing (email or portal support ticket) before midnight of the third business day. Company will refund one hundred percent (100%) of any amount paid within ten (10) business days. 2. NO ADVANCE FEES Consistent with 15 U.S.C. § 1679b, Company does not collect payment for credit-restoration services before those services have been performed. Setup deposits are governed by Section 6 of the Services Agreement. 3. MONTHLY / CYCLE BILLING — CANCEL ANY TIME Ongoing dispute work is billed in cycles (typically monthly) after each cycle's work is completed. Client may cancel future billing at any time by giving written notice; cancellation takes effect at the end of the current billing cycle. Fees for cycles already worked are earned and non-refundable, except as provided in Section 4 below. 4. RESULTS-BASED REFUND (FAIR TO CLIENT) If Company was paid for a work cycle but failed, through Company's own inaction, to (a) send at least one dispute letter, (b) analyze a newly uploaded credit report, or (c) complete another documented service for that cycle, Client may request — within thirty (30) days of the charge — a full refund of that cycle's fee. This does not apply where inaction was caused by Client failing to upload required documents, respond to requests, or follow instructions. 5. PRO-RATA REFUND ON PREPAID PACKAGES If Client prepaid for a multi-cycle package and cancels before Company has performed all cycles in that package, Company will refund the pro-rata portion of unearned cycles (or, at Client's option, convert it to a non-refundable service credit good for one (1) year). Setup, onboarding, and administrative fees actually incurred are non-refundable. 6. NO GUARANTEE OF RESULTS Consistent with federal law, Company makes no guarantee that any specific negative item will be removed or that Client's credit score will reach a particular level. Dissatisfaction with results, on its own, is not a basis for a refund of earned fees. Company's obligation is to perform the disputed services in good faith and in compliance with the FCRA, FDCPA, and CROA. 7. NON-REFUNDABLE ITEMS The following are always non-refundable once purchased or incurred: - Third-party costs paid to vendors (tradelines, credit monitoring, notary, postage, mailing services); - Setup and onboarding fees actually incurred; - Deposits forfeited under Section 6 of the Services Agreement (90-day payment deadline); - Service credits after their one (1) year expiration. 8. CHARGEBACKS / PAYMENT DISPUTE RESOLUTION Client agrees to contact Company first and allow thirty (30) days for good-faith resolution before initiating a chargeback or payment-processor dispute. Filing a chargeback for services actually performed without first contacting Company may be treated as a breach of this Agreement, and Company reserves the right to pursue collection of the disputed amount plus reasonable costs. 9. HOW TO REQUEST A REFUND Submit a Contact Support ticket in the client portal (or email support@rapidrescorepros.com) with: (a) the date and amount of the charge; (b) the reason for the refund request; and (c) whether Client is also cancelling future services. Company will respond within five (5) business days and issue any approved refund within ten (10) business days to the original payment method. 10. GOVERNING LAW / VENUE This Policy is governed by the laws of the state in which Client resides for consumer-protection purposes. All other disputes are governed by, and venue lies in, the state of Texas. Nothing in this Policy waives any right Client has under state or federal consumer-protection law, including the FCRA, FDCPA, CROA, and any state credit-services-organization statute. 11. CHANGES Company may update this Policy from time to time. The version in effect on the date of a charge governs that charge. Material changes will be communicated in the client portal. By continuing to receive services after receipt of this Policy, Client acknowledges and agrees to its terms.