Refund & Cancellation Policy

This Refund & Cancellation Policy explains how cancellations, payments, refunds, and service termination generally work for WWF Financial Services.

This policy applies together with our Terms & Conditions and any separate service, enrollment, or credit-services agreement applicable to the service you select.

Certain services, including credit-improvement services, are subject to specific federal and state consumer-protection requirements.

Where applicable law, a required consumer notice, or a signed service agreement provides the consumer with greater rights than this general policy, those rights will control.

Financial Clarity is a one-time, 90-day financial wellness experience purchased for $249. It is not a recurring membership and does not include credit-improvement or dispute services.

3-Business-Day Cancellation Period

Financial Clarity includes a three-business-day cancellation period. Clients may cancel for any reason within three business days of purchase and receive a full refund.

After that period, WWF may begin individualized Financial Wellness Blueprint™ preparation and other Financial Clarity services, and fees become subject to the refund terms described below.

After the 3-Business-Day Cancellation Period

Once individualized work has begun, amounts paid may become non-refundable to the extent permitted by applicable law because WWF has begun performing the customized services included in the engagement.

If WWF is unable to complete the purchased service, WWF will determine the appropriate refund, partial refund, credit, or other resolution based on the services already performed and applicable law.

Nothing in this section limits any additional cancellation or refund rights that may be available under applicable law.

Financial Wellness and Wealth Accelerator are ongoing WWF Financial Services programs that include credit-related services.

Fees for credit-improvement services are charged in accordance with the client's separate Credit Services Agreement and applicable federal and state law.

WWF does not charge or receive payment for agreed credit-repair services before those services have been fully performed where prohibited by applicable law.

Clients may cancel ongoing services subject to the cancellation provisions contained in their applicable Credit Services Agreement.

Cancellation stops future services and future charges for services that have not been performed, subject to applicable law and the terms of the client's agreement.

Knowledge Center access and other active-client resources remain available through the applicable paid service period and end when the client's eligible WWF service ends.

Certain WWF services may include an enrollment, onboarding, or setup fee.

The purpose, timing, and treatment of any such fee will be disclosed before purchase and, where applicable, in the client's separate service agreement.

For services subject to the Credit Repair Organizations Act (CROA) or other applicable credit-services laws, WWF will not charge or collect fees in a manner prohibited by applicable law.

Any refund or cancellation rights applicable to an enrollment or onboarding fee will be governed by the applicable service agreement, required consumer notices, and applicable law.

Clients who wish to cancel a WWF Financial Services program should submit their cancellation request using the contact method identified in their applicable service agreement or enrollment materials.

Please include:

• Your name
• The email address associated with your account
• The WWF service you wish to cancel

For credit-improvement services, clients should follow the cancellation instructions and Notice of Cancellation provided with their Credit Services Agreement.

Nothing in this general policy changes or limits a client's statutory cancellation rights.

Credit-improvement services offered through Financial Wellness or Wealth Accelerator are governed by a separate Credit Services Agreement and applicable consumer-protection requirements.

Before credit-improvement services begin, clients receive the applicable Credit Services Agreement, required consumer disclosures, authorization documents, and Notice of Cancellation.

Under the federal Credit Repair Organizations Act (CROA), consumers have specific rights regarding credit-repair services, including the right to cancel the applicable contract without penalty within the federal cancellation period stated in the required notice.

California consumers may have additional or greater cancellation rights under applicable California law.

The specific cancellation period, method, address, and required Notice of Cancellation will be provided in the client's credit-services enrollment documents.

WWF's general Refund & Cancellation Policy does not reduce, replace, waive, or modify any right provided by CROA, California law, or another applicable consumer-protection law.

Where the separate Credit Services Agreement or legally required notice provides greater rights than this general policy, the agreement or legally required notice controls.

Certain WWF credit-related services may require a separate credit-monitoring service provided and billed by an independent third-party provider.

Credit monitoring charges are NOT collected by WWF Financial Services and are not included in WWF's monthly service fee.

Cancellation of WWF Financial Services does NOT automatically cancel the client's separate credit-monitoring subscription.

Clients who wish to cancel credit monitoring must contact the third-party provider directly and follow that provider's applicable cancellation procedures and terms.

WWF Financial Services cannot issue refunds for charges collected directly by an independent third-party provider.

Other third-party products or services are similarly subject to the applicable provider's own billing, refund, and cancellation policies.

Certain WWF experiences include scheduled Human Accountability Check-Ins, Program Fit Calls, or other applicable strategy conversations.

Clients should provide reasonable advance notice when requesting to reschedule a scheduled session.

Missed sessions or repeated late cancellations may be considered used or rescheduled at WWF's discretion, subject to the applicable service agreement and applicable law.

A missed session does not alter any statutory cancellation or refund right applicable to credit-improvement services.

If you believe a WWF charge was made in error, please contact WWF Financial Services promptly so the charge can be reviewed.

Confirmed duplicate charges, billing errors, or other amounts WWF determines were collected incorrectly will be corrected or refunded as appropriate.

Approved refunds will generally be returned to the original payment method. Processing time may vary depending on the payment processor, financial institution, or card issuer.

Charges collected directly by third-party providers must be addressed with the applicable provider.

WWF Financial Services may update this policy periodically to reflect changes in services, business practices, or applicable requirements.

The current version and effective date will be displayed on this page.

Changes to this general policy do not retroactively reduce contractual or statutory rights applicable to an existing client.

Questions regarding WWF payments, cancellations, or refunds may be directed to:

WWF Financial Services
Email: hello@worthwealthfreedom.com

For credit-improvement service cancellations, clients should also refer to the specific cancellation instructions and Notice of Cancellation provided with their Credit Services Agreement.

For third-party credit-monitoring cancellations or refunds, clients must contact the applicable third-party provider directly.