Service Terms, Payment Terms & Refund Policy

Before completing your purchase, customers must acknowledge and agree to the following terms.

1. Acknowledgement of Service Agreement

By purchasing any service, program, membership, consultation, or digital product from Bay Life Consulting, the client acknowledges and agrees that they have read, understood, and accepted the service terms outlined below.

The client further acknowledges that Bay Life Consulting provides professional consulting, entity formation services, and digital education products, which involve administrative work, research, preparation, document filing, and intellectual property.

Because work begins immediately after payment and services include digital materials and administrative preparation, all sales are final unless otherwise stated in writing.

2. Payment Terms

All services must be paid in full or enrolled in an approved payment plan before work begins.

By submitting payment, the client authorizes Bay Life Consulting to begin work on their project which may include:

• Internal file creation
• Business research
• Name searches
• Document preparation
• Strategy review
• Administrative processing
• Secretary of State filings
• Access to digital education materials
• Client onboarding and communication

Because these steps begin immediately after purchase, payment confirms authorization to begin work.

3. No Refund Policy

All services provided by Bay Life Consulting are non-refundable.

This includes but is not limited to:

• Business formation services
• Journey to Success services
• Business consulting or mentorship
• Business plans
• Business credit programs
• Digital training programs
• Membership programs
• Any downloadable or digital product

Once payment is submitted, Bay Life Consulting begins project preparation and file processing. Due to the nature of these services, refunds will not be issued for any reason including but not limited to:

• Change of mind
• Failure to complete intake forms
• Failure to respond to communication
• Business strategy disagreements
• Personal financial hardship
• A client deciding not to proceed after payment

4. Payment Plan Terms

Clients selecting a payment plan agree to the following:

• Payment plans are binding financial agreements
• The client is responsible for all scheduled payments
• Services begin upon the first payment

By enrolling in a payment plan, the client agrees that:

• Remaining payments are not optional
• Remaining payments cannot be cancelled
• Remaining payments cannot be disputed

Failure to complete payments may result in:

• Suspension of services
• Collections
• Legal enforcement of the agreement

5. Authorization to Begin Work

By submitting payment, the client explicitly authorizes Bay Life Consulting to begin work immediately.

This authorization includes administrative work that occurs before visible deliverables are provided, such as:

• Internal file creation
• Client onboarding
• Research and strategy preparation
• Document preparation
• Communication with state agencies
• Administrative processing

Because work begins immediately upon payment, services are considered initiated once payment is received.

6. Processing Timelines

Processing times vary based on multiple factors including:

• Secretary of State processing times
• State-specific requirements
• Government filing delays
• Client response time
• Volume of client work

7. Client Responsibilities

The client agrees to:

• Complete all intake forms promptly
• Provide requested documentation
• Respond to communication when required

Delays caused by the client do not qualify for refunds.

8. Dispute & Chargeback Policy

By purchasing services from Bay Life Consulting, the client agrees not to initiate payment disputes or chargebacks.

If a dispute is filed without contacting Bay Life Consulting first, the company reserves the right to provide the following evidence to the payment processor:

• Signed service agreement
• Checkout policy acknowledgment
• Proof of work initiation
• Email communication records
• File preparation logs

Fraudulent disputes may result in:

• Immediate termination of services
• Legal enforcement of payment obligations
• Reporting to payment processors

9. Membership Programs

Membership subscriptions provide access to:

• Training sessions
• Digital content
• Educational resources

Because members gain immediate access to intellectual property, membership fees are non-refundable.

Members may cancel future billing, but past charges are final.

Important Legal Protection Line

Client acknowledges that administrative work and internal preparation begin immediately after payment, and therefore services are considered initiated once payment is received.

This line helps defeat “services not rendered” disputes.