REFUND POLICY

Effective Date: January 1, 2025

This Refund Policy explains our policies and procedures regarding refunds, cancellations, chargebacks, and clawback provisions for all Leadtoria products and services. By purchasing our products or services, you agree to the terms outlined in this policy.

SMART START STACK REFUND POLICY

The Smart Start Stack is our comprehensive one-time setup package priced at $2,442. We stand behind the quality of our services and offer a conditional money-back guarantee subject to the following terms.

You must submit your completed onboarding form within five (5) business days of purchase. If you fail to submit your onboarding form within 5 business days of purchase, your refund eligibility is permanently voided and no refund will be provided under any circumstances.

If you do submit your onboarding form within the 5-day deadline, you may request a refund only if no custom work has been started on your behalf. Custom work is defined as any services specifically tailored to your business including but not limited to website design or development, funnel creation, custom copywriting, branded materials creation, domain setup and configuration, email or SMS workflow setup, business platform configuration with your information, or any onboarding activities that require our team's time and customization for your specific business needs.

Once we have begun any custom work as defined above, the purchase becomes non-refundable. This is because custom services cannot be resold or reused for another client and represent a significant investment of our team's time, expertise, and resources specifically allocated to your project.

In practice, this means you have a very limited window to request a refund: you must submit your onboarding form within 5 days to remain eligible, and you must request a refund before we begin any custom work. Given that we typically begin custom work shortly after receiving your onboarding form, the effective refund window is extremely limited by design.

To request a refund, you must contact us at support@leadtoria.com with your order number and reason for refund request. We will review your request and verify that (1) your onboarding form was submitted within 5 business days of purchase, and (2) no custom work has been initiated. If approved, refunds will be processed within seven to ten (7-10) business days to the original payment method. Please note that payment processing fees of approximately 3% plus $0.30 charged by Stripe or PayPal are non-refundable and will be deducted from your refund amount.

ROYAL MEMBERSHIP REFUND POLICY

Royal Membership is our monthly subscription service priced at $192 per month when purchased with the Smart Start Stack (for the first 12 months, then $292/month thereafter) or $292 per month as a standalone subscription. Royal Membership operates on a no-refund policy for any billing period, whether partial or complete.

Once your monthly payment is processed, it is non-refundable regardless of usage during that billing cycle. This policy exists because we allocate resources, provide access to training materials, maintain platform infrastructure, offer support services, and incur costs on a monthly basis to serve all members regardless of their individual usage levels.

You may cancel your Royal Membership at any time without penalty, and cancellation will take effect at the end of your current billing period. When you cancel, you will retain full access to all membership benefits (including platform access, training materials, support services, and all features) until the end of your paid billing period.

No prorated refunds will be issued for partial months or unused time within a billing period. Upon cancellation, your access to Leadtoria and your live website hosting will continue for 30 days from the end of your final paid billing period so you can export or move your content. After 30 days, your Leadtoria sub-account will be closed and your website(s) will go offline.

If you cancel and later wish to rejoin, you will be required to sign up again and may be subject to current pricing which may differ from your previous rate.

AFFILIATE COMMISSION STRUCTURE AND CLAWBACK POLICY

If you participate in our affiliate program, you are subject to our commission structure and clawback policy designed to protect against fraudulent activity, refunded sales, and chargebacks.

COMMISSION RATES:

For your first 100 total customer referrals (combined Smart Start Stack and Royal Membership customers), you will earn:

- $500 commission per Smart Start Stack sale

- $50 per month recurring commission per active Royal Member

After you have referred your 100th customer, commission rates will be reduced to:

- $100 commission per Smart Start Stack sale

- $10 per month recurring commission per active Royal Member

You will be notified via email when you are approaching your 100th customer referral (at 90 referrals) and again when you reach your 100th referral. The reduced rates apply to all customers referred after your 100th referral. This tiered structure ensures that more affiliates can participate and earn meaningful commissions rather than concentrating all earnings with a few large-scale affiliates.

COMMISSION PAYMENT TERMS:

To protect against fraud and chargebacks, we hold all commission payments for forty-five (45) days from the date the qualifying purchase is made. This holding period allows us to account for potential refunds, chargebacks, and fraudulent activity during the highest-risk period. After 45 days, if no issues have occurred, your commission will be released for payment.

As trust is established through your referral history and account standing, you may request a modification to the holding period by contacting support@leadtoria.com. Modifications are granted at our sole discretion based on factors including your referral volume, customer retention rates, chargeback history, and length of time in the affiliate program.

CLAWBACK PROVISIONS:

Commissions are subject to clawback under the following circumstances:

If a customer you referred requests and receives a refund for the Smart Start Stack within the eligible refund period, any commission paid or pending for that sale will be deducted from your next commission payment. If you do not have sufficient pending commissions to cover the clawback amount, you will be invoiced within fifteen (15) business days of the clawback event and payment is due within thirty (30) days of invoice date.

If a customer you referred initiates a chargeback with their credit card company or payment processor, any commission paid or pending for that customer will be immediately clawed back. You will be responsible for repaying this amount even if the chargeback is later resolved in our favor. Chargeback-related clawbacks will be deducted from your pending commissions or you will be invoiced for the amount owed.

If a customer you referred cancels their Royal Membership, you will stop earning monthly recurring commissions effective the date their paid period ends. You will not be required to return commissions already paid for months they were actively subscribed. However, if a customer cancels within the first ninety (90) days of their membership and it is determined through documented evidence that fraudulent activity or misrepresentation occurred in the referral process, all commissions related to that customer may be subject to clawback. Fraudulent activity must be documented and proven through clear evidence such as the affiliate's admission, payment fraud, violation of FTC guidelines, or other verifiable misconduct as determined by Leadtoria in its reasonable business judgment.

If we discover that you have engaged in fraudulent referral activity (including but not limited to self-referrals using your own information or false identities, incentivized signups where you paid or compensated people to sign up, referrals made using stolen credit cards or fraudulent payment methods, or any deceptive practices to generate commissions), all commissions earned will be subject to immediate clawback and your affiliate account will be terminated. Self-referrals using your own information or false identities are prohibited. Legitimate referrals to family members are permitted if they are genuine independent customers making their own purchasing decisions.

Commission clawbacks will be processed by first deducting the owed amount from any pending unpaid commissions in your account. If your pending commissions are insufficient to cover the clawback amount, you will be invoiced for the remaining balance and payment is due within thirty (30) days of invoice date. Failure to pay a clawback invoice within 30 days may result in your affiliate account termination. Debts unpaid after sixty (60) days may be referred to a collections agency, and we may pursue legal action to recover the debt plus any associated collection costs and reasonable attorney fees.

CHARGEBACK POLICY

A chargeback occurs when a customer disputes a charge with their credit card company or bank rather than contacting us directly to resolve the issue. Chargebacks are costly to our business and are considered a serious breach of our agreement with customers.

Before disputing a charge with your financial institution, we require that you contact us first at support@leadtoria.com to resolve any billing issues, service concerns, or misunderstandings. We are committed to working with you to address any legitimate concerns.

If you initiate a chargeback without first attempting to resolve the issue with us directly, the following consequences will apply:

- Your account will be immediately suspended or terminated

- You will lose access to all services, training materials, platform features, and any work product created for you

- We reserve the right to pursue legal action to recover not only the disputed amount but also chargeback fees (typically ranging from $15 to $100 per incident), administrative costs associated with responding to the chargeback, and any attorney fees if legal action becomes necessary

- Any remaining contract obligations will be considered in default and the full amount owed under your agreement may become immediately due and payable

If you are an affiliate and you initiate a chargeback for your own purchase, your affiliate account will be immediately terminated and all commissions will be forfeited and subject to clawback as described above.

Additionally, we will provide evidence to the payment processor and card issuer documenting that services were rendered, terms were agreed to, and proper disclosure was provided. We maintain detailed records of all transactions, service delivery, and customer communications to defend against unwarranted chargebacks.

If you have a legitimate concern about a charge or service issue, please contact us first. We are reasonable and willing to work with customers who communicate with us in good faith. Many issues can be resolved quickly through direct communication. However, if you choose to bypass our customer service and dispute a charge directly with your financial institution, we will treat this as a breach of our Terms of Service and respond accordingly.

CANCELLATION PROCEDURES

To cancel your Royal Membership subscription, you may:

- Log into your member account and follow the cancellation procedure in your account settings

- Email us at support@leadtoria.com with your cancellation request (including your account email and reason for cancellation)

- Contact our support team through the method specified in your member portal

We do not accept cancellation requests via social media, text message, or verbal communication without written confirmation.

When you submit a cancellation request, you will receive a confirmation email acknowledging your cancellation within forty-eight (48) hours during normal business days (Monday through Friday, excluding federal holidays). If you do not receive confirmation within 48 hours, your cancellation may not have been processed and you should contact us immediately.

Once confirmed, your cancellation will take effect at the end of your current billing period. You will not be charged for subsequent months after your current paid period expires. You will retain full access to all membership features until your current billing period ends on the date specified in your confirmation email.

Please note that cancellation requests must be received at least three (3) business days before your next billing date to ensure the cancellation is processed before the next charge. If your cancellation request is received within 3 days of your billing date and a charge is processed, that charge will not be refunded but you will have access for that billing period and no future charges will occur.

After cancellation, if you wish to rejoin at a later date, you will need to sign up again as a new member and will be subject to current pricing and terms which may differ from your previous membership.

FRAUDULENT ACTIVITY AND ABUSE

We take fraud prevention seriously and reserve the right to investigate any suspicious activity including but not limited to:

- Multiple purchases using different payment methods or identities from the same individual

- Purchases made using stolen credit cards or fraudulent payment information

- Abuse of our refund policy through repeated purchases and refund requests

- Affiliate fraud including self-referrals or incentivized signups

- Any attempts to exploit our systems or policies for personal gain

If we determine that fraudulent activity or policy abuse has occurred, we may:

- Immediately terminate your account and all associated accounts

- Refuse any pending or future refund requests

- Pursue legal action and report fraudulent activity to appropriate law enforcement agencies

- Ban you from future use of our services

- Pursue collection of any amounts owed including costs associated with investigating and addressing the fraudulent activity

We cooperate fully with payment processors and law enforcement in investigating fraud.

DISPUTE RESOLUTION FOR REFUND REQUESTS

If your refund request is denied and you disagree with our decision, you may request a review by contacting support@leadtoria.com with a detailed explanation of why you believe you are entitled to a refund. We will review your case and respond within seven (7) business days with either an approval of your refund, a partial refund if circumstances warrant, or a detailed explanation of why your request remains denied.

Partial refunds may be offered at our discretion in cases where some but not all services have been delivered, typically calculated based on the percentage of work completed versus the total scope of services promised. Our refund decisions are made at our sole discretion but we strive to be fair and reasonable in all cases.

If you remain unsatisfied after our review, you agree to attempt to resolve the dispute through informal negotiation with our customer service team before pursuing formal dispute resolution. If informal negotiation does not resolve the issue within thirty (30) days, disputes will be handled according to the dispute resolution provisions outlined in our Terms of Service (including mediation and binding arbitration). You acknowledge that pursuing a chargeback instead of following these dispute resolution procedures will result in the consequences described in our Chargeback Policy above.

EXCEPTIONS AND SPECIAL CIRCUMSTANCES

We recognize that extraordinary circumstances may arise that are beyond your control. If you experience a serious medical emergency, death of an immediate family member, natural disaster affecting your location, or other verifiable extenuating circumstances that prevent you from using our services as intended, you may contact us at support@leadtoria.com with documentation of the circumstances.

Documentation may include medical records, death certificates, insurance claim documents, or other official verification that substantiates your claim.

We will review such requests on a case-by-case basis and may, at our sole discretion, offer accommodations such as a pause in billing, extended access period, partial refund, or other reasonable accommodation. However, such accommodations are not guaranteed and are provided as a courtesy, not as an entitlement or modification of this policy.

MODIFICATIONS TO THIS POLICY

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website with an updated Effective Date. The refund policy in effect at the time of your purchase will govern that purchase. Your continued use of our services after changes are posted constitutes acceptance of the modified policy for future purchases.

Material changes that negatively impact existing customers will be communicated via email, and existing customers will be grandfathered under previous refund terms for their current active subscriptions unless otherwise required by law. For new purchases made after policy changes, the updated policy will apply.

CONTACT INFORMATION

If you have questions about this Refund Policy, wish to request a refund, need to cancel your subscription, or have any concerns about billing, please contact us at:

Leadtoria LLC

8735 Dunwoody Place STE 190

Atlanta, GA 30350

Email: support@leadtoria.com

We are committed to providing excellent customer service and will respond to all inquiries within forty-eight (48) hours during normal business days (Monday through Friday, excluding federal holidays).