Refund Policy

This Refund Policy applies to all purchases from ACW & Associates LLC through ACESBA at acesba.com, and forms part of our Terms of Service. You agree to it at checkout.

1. Digital products are final sale

The SBA Readiness Report, templates, workbooks, guides, kits, bundles and add-ons are digital products delivered immediately after payment: your results appear on screen and your files become available to download as soon as payment is confirmed. Because a digital product cannot be returned once it has been delivered, all sales of digital products are final and are not refundable, except in the circumstances listed in Section 3.

2. Information provided before purchase

To help you decide before you buy:

• the price of the SBA Readiness Report and a full description of what it includes are shown before you begin the assessment and again at checkout;
• every product page lists what is included, the file formats and, for kits and bundles, each item inside them; and
• at checkout you confirm that you have read and agree to this policy and our Terms of Service.

3. When we will refund or correct a charge

We will issue a full refund of the affected purchase to your original payment method, or correct the charge, in any of these situations:

• Duplicate charge: you were charged more than once for the same order.
• Non-delivery: payment was taken but your report or files were not delivered, and we cannot deliver them within five business days of your notifying us.
• Defective file: a purchased file is corrupted or will not open in the software listed on its product page, and we cannot provide a working replacement within five business days of your notifying us.
• Unauthorized charge: a charge was made without the cardholder’s authorization, which we confirm through our payment processor.
• Our error: you were charged a price other than the one displayed at checkout (we refund the difference).

We do not issue refunds because a lender declines, delays or changes the terms of a loan application, because the readiness score or results differ from what you expected, because you no longer need a product, because you purchased a product that is also included in a kit or bundle you later bought, or because you did not use a product.

4. Remedies included with your purchase

• Re-download: while your account is active, you can generate new download links for any purchased file from your account.
• Report by email: you can have your detailed report emailed to you from your results page or account.
• Free retake: each paid SBA Readiness Report includes one retake of the assessment at no charge within 90 days of payment, so you can measure your progress or correct an answer.

5. How to request a refund or report a problem

Email support@acesba.com within 30 days of the purchase date from the email address used for the purchase, with the subject “Billing”, and include the date of the purchase, the product name and a short description of the problem. We aim to respond within one business day. Approved refunds are issued to the original payment method; depending on your bank, they usually appear within 5 to 10 business days. Refunds cannot be issued to a different card or account, or in cash.

6. Chargebacks and payment disputes

Please contact us before disputing a charge with your bank or card issuer; we can usually resolve billing problems faster than a dispute process. If you dispute a charge for a product that was delivered as described, we will respond to the dispute and provide your card issuer with records of the purchase, your agreement to this policy, delivery and access, and we may suspend access to your account while the dispute is open. If a dispute is decided in your favor, access to the disputed products ends.

7. Workshops

Workshop tickets are subject to the terms shown at registration. If we cancel or postpone a workshop, you may choose a place at a later date or a full refund of the ticket price. If you cannot attend, you may transfer your ticket to another person from your business by emailing us before the workshop starts.

8. Your statutory rights

Nothing in this policy limits any right you may have under applicable law that cannot be waived by agreement.

9. Contact

ACW & Associates LLC, 500 Crawford Street, Houston, TX 77002, United States. Email: support@acesba.com.