Refund & Cancellation Policy
ChadMurray.biz LLC / Stop Working Broke
Last Updated: [Insert Date]
This Refund & Cancellation Policy applies to all coaching programs, consulting services, digital products, courses, and line-of-credit affiliate funnels offered by ChadMurray.biz LLC, operating under the brand Stop Working Broke.
By purchasing, enrolling in, or using any of our services, you acknowledge and agree to the terms outlined below.
1. Company Information
ChadMurray.biz LLC
Brand: Stop Working Broke
Email: [email protected]
Address: 1428 6th Street, Argyle, Texas 76226
2. Coaching & Consulting Refund Policy
All coaching and consulting programs require active participation and implementation.
A. All Sales Are Final
All coaching and consulting payments are non-refundable, except under the conditional 30-day refund described below.
B. 30-Day Conditional Refund
A refund may be issued within the first 30 days ONLY IF:
You have shown up and participated in required coaching calls (if applicable),
You have completed all assignments, worksheets, or tasks provided,
You have implemented the steps, strategies, and instructions given, and
I determine, at my sole discretion, that you made a full effort and the program still did not work for you.
This is a “must-do-the-work” refund, not a “changed my mind” or “got busy” refund.
C. No Refunds Will Be Issued If:
You did not participate
You did not attend coaching sessions
You did not complete assignments
You did not implement the strategies
You stopped communicating
You “didn’t have time”
Your situation changed personally or financially
D. Proof of Work Requirement
To be considered for a conditional refund, you must provide:
Completed worksheets
Implementation screenshots
Notes from calls
Task completion evidence
Any documentation requested by ChadMurray.biz LLC
Failure to submit proof voids eligibility for a refund.
3. Digital Products, Templates & Online Courses
All digital products—including downloads, templates, online trainings, and recorded programs—are 100% non-refundable, regardless of usage or access.
Once delivered or accessed, no refunds will be granted.
4. Payment Plans
If you choose a payment plan:
You are responsible for all payments
Payment plans cannot be canceled or refunded once you access the program
Missed payments may result in suspension of services
Completed payments are non-refundable under all circumstances
5. Line-of-Credit & Funding Funnel Refund Policy
A. No Refunds
All funding or line-of-credit funnels and applications are non-refundable.
You are paying for submission, processing, and access, not for approval or funding.
B. No Liability for Lender Decisions
ChadMurray.biz LLC:
Is not a lender
Does not guarantee funding
Does not control interest rates or decisions
Does not participate in underwriting
Cannot reverse or change funding decisions
C. No Refunds for Denied Applications
If a lender declines your application, reduces your amount, or changes terms, no refund will be issued for any services purchased through our funnels.
6. Cancellation Policy
A. Coaching or Consulting
Once a program has been accessed or a call has been scheduled, no cancellations are permitted.
B. Digital Products
Digital products cannot be canceled after purchase.
C. Funding Funnels
Once a funding funnel form is submitted, it cannot be canceled, refunded, or reversed.
7. Chargebacks & Disputes
You agree not to file a chargeback or payment dispute without first contacting us at:
Chargebacks filed in violation of this agreement may result in:
Legal action
Collection agency referral
Reporting to credit bureaus
Termination of access to all programs
We will provide proof of this published policy in any payment dispute.
8. Delivery of Services
Coaching and consulting services are delivered through phone, Zoom, or other communication methods.
Digital products are delivered electronically via email or online portals.
Funding funnel submissions may be delivered to third-party providers.
Failure to access or download materials does not qualify as grounds for a refund.
9. Changes to This Policy
We reserve the right to update or modify this policy at any time.
The “Last Updated” date will always reflect the latest version.
10. Acceptance of This Policy
By purchasing, accessing, or using any service from ChadMurray.biz LLC or Stop Working Broke, you acknowledge that you have read, understood, and agree to this Refund & Cancellation Policy.
