Refund Policy
Effective Date: October 1, 2026
Digital Product Policy
Take Back Your Credit, operated by The Hayes Method LLC, sells downloadable digital educational products. Because customers receive access to digital materials after a successful purchase, all sales are generally final once access to the purchased product has been provided.
When We May Provide a Refund
We may provide a refund when there is a verified technical or billing problem, including a duplicate charge or a situation where payment was successfully completed but the customer was unable to access the purchased digital product and we are unable to resolve the issue.
Change of Mind
We generally do not provide refunds because a customer changes their mind after receiving access to the digital product or because the customer does not achieve a particular credit-related result.
No Guaranteed Credit Results
Our products are educational materials. Purchasing or using a Take Back Your Credit product does not guarantee a credit score increase, deletion of information from a credit report, approval for financing, or any other specific result.
Requesting Assistance
If you experience a billing or product-access problem, contact us at support@takebackyourcredit.com. Please include the email address used for your purchase and enough information for us to locate the transaction and investigate the issue.
Chargebacks and Payment Disputes
If you believe a charge was made in error, please contact us first so we can investigate and attempt to resolve the issue. Nothing in this policy limits any rights or remedies that cannot legally be waived under applicable law.
Policy Updates
We may update this Refund Policy from time to time. Any updated policy will be posted on this page with a revised effective date when appropriate.