3.1 All sales of digital products, courses, and educational materials are final. No refunds will be issued once a digital product has been accessed.
3.2 Coaching sessions may be rescheduled if a cancellation request is made at least 24 hours in advance.
3.3 Refunds will not be provided for missed appointments or completed services.
4. Intellectual Property Rights
4.1 All content, including course materials, videos, and written content, is the property of Credit Guy Frank LLC.
4.2 You may not reproduce, distribute, or resell any of our materials without prior written permission.
4.3 Unauthorized use of our intellectual property may result in legal action.
5. Limitation of Liability
5.1 Credit Guy Frank LLC is not responsible for any financial decisions made based on the educational content provided.
5.2 We do not guarantee specific financial outcomes, credit score improvements, or debt reduction results.
5.3 Under no circumstances shall Credit Guy Frank LLC be liable for any direct, indirect, or incidental damages arising from the use of our services.