Refund & Cancellation Policy

This Refund & Cancellation Policy explains how LuxReset Credit Solutions LLC ("LuxReset," "we," "us," "our") handles refunds and cancellations for our credit repair and credit education services and any digital products we sell. This Policy should be read together with our Terms of Service and, once you enroll, your signed Client Service Agreement, which controls over this Policy with respect to the specific services you purchased.

1. Credit Repair & Credit Education Services

No Advance Fees

Consistent with the Credit Repair Organizations Act (CROA) and the FTC's Telemarketing Sales Rule, LuxReset does not collect payment for credit repair services before those services are fully performed.

Service Fees

Fees are billed only after the agreed-upon services for that billing period have actually been completed, as described in your signed Client Service Agreement.

Your 3-Business-Day Right to Cancel

You may cancel your Client Service Agreement, without any penalty or obligation, at any time before midnight of the third business day after the date you signed it. To cancel, send written notice to info@luxresetcredit.com, or mail or deliver the signed Notice of Cancellation form provided with your Client Service Agreement to the address at the end of this Policy. If you cancel within this period, you will not owe any fee, and any payment you already made will be refunded within 10 business days of your cancellation notice.

After the 3-Day Period

Once services have begun, fees already earned for services actually performed are non-refundable. Monthly fees are billed only after that billing period's work is completed, and no fee is ever charged for work not yet performed. If you stop participating in the process — for example, by not submitting requested documents or responding to our communications — this does not entitle you to a refund of fees already earned for services already completed.

2. Digital Products & Educational Materials

This section applies only to standalone educational digital products — such as templates, guides, or downloadable materials — purchased separately from our credit repair dispute services. It does not apply to fees for the credit repair services themselves, which are governed by Section 1 above.

• Digital products are delivered electronically.
• Once accessed or downloaded, a digital product purchase is considered final, and refunds are not available except as described below.
• If you experience a technical problem accessing a digital product you purchased, contact info@luxresetcredit.com within 7 days of purchase; we will work with you to resolve the access issue or provide a replacement.

3. Cancelling Future Billing (Recurring Services)

Apart from your 3-business-day right to cancel described in Section 1, you may cancel future billing under a recurring service at any time by giving us written notice at least 3 business days before your next scheduled billing date, so we have time to stop that cycle's charge before it processes. Cancelling future billing stops charges for periods after cancellation takes effect; it does not refund fees already earned for services already performed.

4. Billing Errors & Payment Disputes

If you believe a billing error has occurred, please contact us at info@luxresetcredit.com so we can investigate and correct it before you initiate a dispute with your bank or card issuer.

If a chargeback or payment dispute is filed for a charge that reflects services actually performed and properly billed under your signed Client Service Agreement, we may pause further work on your file while the dispute is investigated, and we will provide your bank or card issuer with documentation of the services performed. This does not affect, and is not intended to discourage, your right to dispute a charge you believe is incorrect. If you would also like to cancel your Client Service Agreement, please let us know as described in Sections 1 or 3.

5. No Guarantee of Specific Results

LuxReset does not guarantee that any specific item will be corrected, updated, or removed from your credit report, or that your credit score will increase by any particular amount or at all. Federal law prohibits credit repair organizations from removing accurate, current, and verifiable negative information from a credit report, and no company can lawfully promise that outcome. Results depend on factors outside our control, including the accuracy of the information being disputed, your participation, the responses of creditors and consumer reporting agencies, and your individual credit history. All services are provided in good faith and in accordance with applicable federal and state consumer protection laws.

6. Your Rights Are Not Waived

Nothing in this Policy limits or waives any right you have under CROA, the Telemarketing Sales Rule, or any other applicable federal or state consumer protection law. If any provision of this Policy conflicts with such a law, the law controls.

7. Contact Us

LuxReset Credit Solutions LLC
Philadelphia, PA 19103
Email: info@luxresetcredit.com
Website: www.luxresetcredit.com