Refund Policy

All sales of digital products are final. Once access has been granted or a product has been downloaded, no refunds will be issued.

• AI prompts
• Digital downloads
• Templates
• SOPs
• Workbooks
• Checklists
• Guides
• Toolkits
• Digital courses
• Resource libraries

Membership fees are non-refundable. You may cancel your membership at any time to prevent future recurring charges. Your membership benefits will remain active through the end of your current billing cycle. No partial or prorated refunds are provided for unused membership periods.

Enrollment fees for certification programs are non-refundable. Because participants receive immediate access to proprietary curriculum, training materials, and digital resources, refunds cannot be issued after enrollment.

Consulting, coaching, funding advisory, and implementation services are non-refundable once services have been scheduled or performed. If you need to reschedule an appointment, we request at least 24 hours' notice.

The Black Collective provides business funding consulting and funding intelligence services. Payment is for our professional expertise, strategic guidance, AI-powered funding intelligence, document review, lender matching, and advisory support. We do not guarantee funding approvals, loan amounts, or financing outcomes. Decisions are made solely by independent financial institutions. Because our services begin immediately after engagement, advisory fees are non-refundable.

If you believe you were charged more than once for the same purchase, please contact us within seven (7) business days. Verified duplicate transactions will be refunded promptly.

If you believe an error has occurred with your billing, please contact us immediately. We will investigate all billing concerns and resolve verified errors as quickly as possible.

We encourage customers to contact us before initiating a chargeback with their financial institution. Most issues can be resolved quickly through our customer support team. Initiating a chargeback without first contacting us may delay resolution and could result in suspension or termination of access to our Services while the dispute is under review.

Refund requests submitted due to documented technical issues that prevent access to purchased services may be reviewed on a case-by-case basis. Any refund granted under exceptional circumstances is solely at the discretion of The Black Collective.