REFUND POLICY

Effective Date: December 1, 2025

At Belcarm Consulting LLC, we are committed to providing premium credit repair services and digital products that are designed to help our clients achieve meaningful financial progress. By purchasing any of our services or digital materials, you agree to the following terms:

1. Credit Repair Services

No Refunds

All sales for credit repair services are final. Due to the personalized and time-intensive nature of our work, no refunds will be issued once payment has been submitted.

Results-Oriented While we strive to deliver noticeable improvements in your credit profile, results may vary depending on individual credit history and circumstances.

Client Responsibility Clients must actively participate in the credit repair process by: Providing required documentation Responding to requests from our team. Following guidance and instructions Belcarm Consulting LLC is not responsible for delays or negative outcomes caused by:

Non-participation Actions by creditors or credit bureaus Other external factors beyond our control.

2. Digital Products Non-Refundable

All purchases of digital products (eBooks, templates, courses, and downloads) are non-refundable and final sale.

Instant Access Acknowledgment : Digital products are made available immediately upon purchase. By completing your purchase, you waive your right to request a refund for these items under applicable consumer protection laws.

3. General Terms

Final Sale Policy

All services and digital product sales are considered final once purchased.

Policy Modifications

We reserve the right to update this Refund Policy at any time.Any changes will be posted on our website and apply to future purchases.Clients will be notified of material updates when applicable.

Questions or Concerns?

Please contact us before making a purchase if you have any questions about our policy:

9. Contact Us

If you have any questions about this Cookies Policy or our use of cookies, you can contact us at:

Belcarm Consulting LLC.
Email: [email protected]
Phone: 1 -855-389-3033
Address: 17561 Hillside Ave Suite 202 # 1050 , Queens, NY