WEALTHY KRUE FINANCIALS — TERMS OF SERVICE
Effective Date: [Insert Date]
1. Agreement to Terms
By purchasing any service, product, membership, consultation, or digital download from Wealthy Krue Financials (“Company”), you (“Client” or “Customer”) agree to be bound by these Terms of Service, our Refund Policy, Privacy Policy, and any additional terms presented at checkout.
Proceeding with payment acts as your digital signature confirming that you have read, understood, and accepted these terms.
2. Services Provided
Wealthy Krue Financials offers:
Credit repair & credit sweep services
Tax preparation & financial services
Digital products, templates, and educational guides
Memberships, programs, and online resources
Financial coaching, consulting, and informational materials
Unless otherwise stated:
- Digital products are delivered instantly
- Services begin once onboarding steps are complete
- No physical items are shipped
- Results vary based on client participation, accuracy of information, and outside financial factors
3. Digital Product Delivery & Access
All digital products are delivered automatically upon purchase via:
Email delivery
Instant download
Portal access
Delivery is considered complete once:
The product is emailed
A download link is generated
The file is accessed, downloaded, or opened
The customer is responsible for:
Checking spam/promotions folders
Entering the correct email at checkout
Saving and storing their downloads
4. Non-Refundable Digital Products
Because our products are digital and instantly accessible:
All digital product sales are final and non-refundable.
Refunds will not be issued for:
- Change of mind
Didn’t read the description
Didn’t use the product
Didn’t get desired results
Failed to check spam/promotions folder
Incorrect email entry at checkout
5. Refund Eligibility (Limited Cases Only)
Refunds may be considered case-by-case ONLY under the following conditions:
Eligible:
Duplicate purchase
Wrong product purchased AND not downloaded
Technical issues preventing access after support attempts
Not Eligible:
Product was downloaded
Product was accessed
You used the content
You claimed “unauthorized” after receiving access
You purchased expecting results we did not promise
6. Unauthorized Use & Friendly Fraud Notice
Submitting a claim or chargeback stating:
“Unauthorized transaction”
“Did not receive product”
“Product not as described”
after you downloaded, accessed, or used the product is considered friendly fraud.
This is explicitly prohibited under these Terms.
We reserve the right to:
Provide banks with login logs
Provide download receipts
Provide IP address matching
Provide communication records
Restrict future access to products/services
Pursue recovery of funds, fees, and legal costs
7. Chargeback & Payment Dispute Policy
Before filing a dispute with your bank, you must contact:
support@wealthykruefinancials.com
If a chargeback is filed without contacting us first:
We will dispute it and submit:
Download/access logs
IP address evidence
Email delivery timestamps
Support conversations
Screenshots and receipts
Proof that you agreed to these Terms
Because digital goods cannot be “returned,” your chargeback will be treated as an attempt to obtain services or products without paying.
8. Chargeback Defense Clause (Required Bank Language)
This appears on all invoices, checkouts, and digital product pages:
“This dispute appears to be a clear case of friendly fraud — where the customer knowingly made a legitimate purchase, received the product, and is now attempting to reverse the transaction outside of the merchant’s refund policy.
Wealthy Krue Financials maintains documented delivery records, accurate product descriptions, and clear refund terms acknowledged at checkout. We respectfully request that this claim be denied to protect the integrity of digital commerce.”
9. Client Responsibilities & Acknowledgment
By purchasing from Wealthy Krue Financials, the client agrees:
They read the product/service description in full
They understand what they are purchasing
They agree results vary
They provide accurate information
They participate actively in their services
They follow instructions and deadlines
10. Access Logs & Tracking Consent
You agree Wealthy Krue Financials may track:
Login activity
Download attempts
IP addresses
Delivery logs
Portal access timestamps
This information is used only for customer support, fraud prevention, and dispute resolution.
11. Copyright & Usage Rights
All digital products, courses, materials, and resources are protected by copyright.
You may not:
Resell, Share, Rebrand, Distribute, Reverse engineer, Reproduce any materials purchased.
If a customer files a dispute while continuing to use our copyrighted content, this is considered theft of service.
12. Support Policy
Support is available at:
support@wealthykruefinancials.com
Response time: 1–2 business days
Support includes:
Access issues
Technical issues
Basic product questions
Support does NOT include:
Free customizations
Done-for-you services
Coaching unless paid for
Financial, legal, or tax advice unless included in your service
13. Service-Based Terms (Credit Repair / Tax Services)
By signing up for services, you agree:
You must complete onboarding steps
You must provide accurate personal and financial information
Results depend on third-party agencies (credit bureaus, IRS, lenders, etc.)
No specific score increase, approval, or refund is guaranteed
Chargebacks cannot be filed once services have begun
14. Governing Law
These Terms are governed by and interpreted according to the laws of:
The State of [Your State] (or business registered state)
and applicable U.S. federal laws.
Any disputes must be handled within this jurisdiction.
15. Updates to Terms
Wealthy Krue Financials reserves the right to update these Terms at any time.
The latest version will always be posted on:
