Refund & Replacement Policy

Purchases are non-cancelable, non-refundable, and irrevocable once processed. Where expressly offered, discretionary store credit is the exclusive alternative remedy (subject to expiration). This policy integrates with the Purchase Agreement and Terms of Use.

May be issued solely at Seller discretion; valid 6 months; non-transferable unless mandated by law. Not redeemable for cash. Expired credit void.

Non-refundable deposit reserves entity for up to 30 days. If balance unpaid after reservation window, deposit converts to store credit (same 6‑month validity).

• Undisclosed Liabilities: Provide substantiation; Seller has 14 days to cure. If unresolved → replacement entity or store credit equal to price.
• Incorrect Incorporation Date: Material variance → exchange or store credit.
• Unauthorized Purchase: Valid police report required; case-by-case review.

Defects must be reported within 7 days. Seller has 14 days to remediate. If unresolved, discretionary store credit limited to the optional feature’s value only.

Delivered as-is. No redesigns, exchanges, or refunds after delivery milestone confirmation.

Execution begins upon setup interview completion. Articles sent electronically and (where applicable) via certified mail. Third-party dependencies may influence timelines; delays do not create refund rights.

Identity verification (government ID + card proof) required. Shipment (or electronic delivery) of Articles + tracking/log constitutes full delivery. Partial payments governed by deposit rules.

Type 1 – Identity Theft: Mitigated via KYC and verification tools. Type 2 – Civil Theft / Chargeback Abuse: False disputes escalated to collections and may be reported to authorities. We reserve evidentiary documentation for defense.

• Funding outcomes (approval amounts, timing)
• Failure to follow instructions / credit roadmap
• Self‑inflicted bureau or file disruptions
• Lack of personal credit readiness or PG availability

Subject to inventory. Comparable or greater age/value may be offered at no extra cost. Acceptance of replacement final; no subsequent exchange cycles.

Questions: legal@UniversalBusinessStrategies.com

Proceeding with purchase signifies acceptance of this Policy.