REFUND POLICY

Vanguard Settlements, LLC

General Refund Policy

Vanguard Settlements, LLC is committed to clear and transparent billing practices. This Refund Policy explains how cancellations, refunds, and billing concerns are handled in connection with our debt settlement and related services.

All fees, payment terms, cancellation rights, and refund provisions are also governed by the client’s written service agreement and applicable Ohio and federal law.

No Upfront Debt Settlement Fees

Vanguard Settlements, LLC does not charge or collect upfront debt settlement fees.

Clients are not required to pay debt settlement fees before the applicable services have been performed and the conditions for earning those fees have been satisfied.

There is also no charge for submitting an initial inquiry or requesting information about our services.

Cancellation Rights

Clients may cancel their service agreement in accordance with the cancellation provisions contained in their written agreement and any rights provided under applicable law.

If a client is legally entitled to a refund following cancellation, Vanguard Settlements, LLC will return any applicable unearned amounts in accordance with the client’s agreement and governing law.

Earned and Unearned Fees

Fees that have been properly earned for services already completed are generally non-refundable, except where otherwise required by law or provided in the client’s agreement.

Any payment collected for a service that has not been performed, or any amount determined to be unearned, will be reviewed and refunded when appropriate.

Funds accumulated by a client for the purpose of settling debts are separate from fees earned by Vanguard Settlements, LLC and will be handled according to the applicable client agreement and account terms.

Requesting a Cancellation or Refund

To request a cancellation, billing review, or refund, clients should contact Vanguard Settlements, LLC and provide enough information for us to locate and review the account.

Requests should include:

• Full name
• Contact information
• Client or agreement number, if available
• Reason for the request

Phone: [Insert Vanguard Phone Number]
Email: [Insert Vanguard Email Address]
Mailing Address: [Insert Vanguard Ohio Address]

Refund Processing

Approved refunds will generally be returned using the original payment method when reasonably possible.

Processing times may vary depending on the payment processor, bank, or financial institution involved. Clients will be notified once an approved refund has been processed.

Billing Questions and Disputes

Vanguard Settlements, LLC encourages clients to contact us directly regarding billing questions, payment discrepancies, cancellations, or refund concerns.

Our goal is to review concerns promptly, explain any applicable fees or completed services, and resolve legitimate billing issues in a professional and transparent manner.

Nothing in this Refund Policy limits any consumer right or protection that cannot legally be waived under applicable Ohio or federal law.