Refund Policy

Terrica Lynn Smith LLC

This Refund Policy applies to all purchases made from Terrica Lynn Smith LLC (“Company,” “we,” “us,” or “our”), including but not limited to educational programs, digital content, live or virtual events, physical products, bundles, and related offerings. All offerings are provided for educational and informational purposes only and do not constitute legal, financial, tax, or investment advice.

GENERAL POLICY

Unless expressly stated otherwise in writing, all sales are final. By completing a purchase, enrolling in a program, or accessing any Company offering, you acknowledge and agree that you are committing to the program or product purchased and that refunds are limited as described below.

Participation in or purchase of one program does not grant access to any other program, service, or offering unless explicitly stated in writing.

DIGITAL PRODUCTS, COURSES, AND CONTENT

All sales of digital products, online courses, downloadable materials, recordings, replays, templates, tools, and similar digital content are non-refundable. Immediate access to digital content constitutes delivery, and no refunds will be issued once access has been granted.

LIVE EVENTS AND EXPERIENCES

All sales for live or virtual events, workshops, intensives, summits, or similar experiences are non-refundable, except where otherwise expressly stated in writing. The Company is not responsible for scheduling conflicts, travel issues, illness, personal circumstances, or failure to attend.

PHYSICAL PRODUCTS

Physical products may be eligible for return within fourteen (14) days of delivery, provided the item is unused, undamaged, and in its original condition. Customers are responsible for return shipping costs. Returned physical products are eligible for store credit only. No refunds will be issued for physical products.

PROGRAMS GOVERNED BY SEPARATE AGREEMENTS

Certain programs, including high-touch, application-based, or mentorship-style programs, may be governed by separate program agreements, enrollment agreements, or addenda that include specific cancellation and refund terms.

Where a program-specific agreement exists, the refund and cancellation terms of that agreement shall control and supersede this Master Refund Policy in the event of any conflict.

Eligibility for any right-to-cancel period, refund window, or exception is determined exclusively by the applicable program agreement and not by this Master Refund Policy.

RIGHT TO CANCEL (WHERE APPLICABLE)

Any right to cancel, cooling-off period, or refund window is available only if expressly stated in the applicable agreement governing the specific program or offering. Absent an express written right to cancel, no refunds will be issued.

NO REFUNDS BASED ON RESULTS OR CIRCUMSTANCES

Refunds will not be issued based on dissatisfaction with results, lack of participation, inability to complete the program, failure to obtain funding or financing, changes in personal or financial circumstances, or subjective expectations regarding outcomes.

Success stories, testimonials, and examples are not guarantees of results.

CHARGEBACKS AND PAYMENT DISPUTES

Initiating a chargeback, payment dispute, or reversal without first following the Company’s written refund and cancellation procedures constitutes a material breach of this policy and the applicable Terms of Service and program agreement. The Company reserves the right to submit documentation demonstrating acceptance of these terms to the payment processor or financial institution.

CONTACT INFORMATION

Questions regarding this Refund Policy must be submitted in writing to: [email protected]

POLICY UPDATES

This Refund Policy may be updated from time to time. The most current version will be posted on the Company’s website. Continued participation in or use of Company offerings constitutes acceptance of the updated policy.