Purchase Terms and Consumer Fraud Prevention Policy

Purchase Terms 

By purchasing below, you acknowledge and agree to the following Purchase Terms between yourself (Customer) and Polymath Consulting and Publishing, Inc (Company):

No guarantee of financial results

• It is illegal in many jurisdictions for us to guarantee financial results of any kind in your personal business. It is also impossible for us to guarantee or influence the quality, suitability, or marketability of the products you are hoping to sell to customers. We therefore make no claim or warranty regarding your future financial outcomes. This means that we cannot refund your purchase in the event you fail to make money in your personal business. 

Intellectual property

We strictly enforce our copyright protections.

• Unless you purchase an Annual  Intellectual Property Usage License, you agree not to share or repurpose the contents of this program. You may not create derivative works of any kind. 

• Unless you purchase an Annual Intellectual Property License, you agree not to sell services to customers based on the contents of this program.

• Access to the courseware and/or other intellectual property will not be granted until this agreement is signed.

Product purchases, including all courseware products:

• You may cancel your purchase within 30 days. Cancellation requests may be made from within the online course environment. If you do not receive a response from us within 3 business days, your cancellation request was not received and must be resubmitted. Prior to taking action on your cancellation request, our staff may ask you to clarify your responses to relevant questions regarding your account, or to respond to additional clarifying questions. In these cases, no action will be taken in the absence of a response from you. If no response is received prior to expiration of the 30-day cancellation grace period, your purchase contract becomes final, and you will be responsible to fulfill all contract terms, including all remaining payments.

• Cancellation requests made after the 30-day guarantee period will not be honored. This includes cancellation requests made on the 31st day after purchase and beyond, and includes retroactive claims of timely cancellation requests. This is a common form of consumer fraud, and we do not honor such claims. After 30 days from purchase, all contract terms are final and fully enforceable. You are responsible for the full value of the purchase contract, irrespective of whether you subsequently view or implement the course material.

• All purchases are subject to the Consumer Fraud Prevention policies detailed below.

• Once your final payment is completed and the 30-day cancellation grace period has expired, you'll have lifetime program access, including free updates.

• In the case of failed payments, your access to program materials and services may be revoked pending payment resolution. 

• For single-payment purchase options and payment plan purchases with monthly payments in excess of $100 per month, refunds are offered ONLY within the first 30 days. 

• For purchase plans with monthly payments of less than $100, all transactions are final, and no refunds are offered under any circumstances. Approved cancellations will prevent future payments, but no refunds will be offered for the initial payment.

• Unless indicated otherwise in the specific offer’s purchase terms, live coaching calls are available for an additional monthly fee.

• Unless indicated otherwise in the specific offer’s purchase terms, membership in the exclusive AMMO Author Community is available for an additional monthly fee.

• Unless indicated otherwise in the specific offer’s purchase terms, technical services are available for purchase, but are not included.

• After 30 days, your purchase contract will remain in effect regardless of whether you make money by applying our processes in your personal business, and regardless of whether you elect to continue using the product or service you have purchased.

Subscription services (including live coaching call subscriptions and Facebook group subscriptions):

• Payments are made in advance for the upcoming month’s service.

• All transactions are final. No refunds are offered under any circumstances. 

• Missed coaching sessions will not be rescheduled or reimbursed, and unused sessions will not carry forward into the subsequent subscription period.

• Cancellation requests will be applied for the following month. Retroactive cancellation requests (including cancellation requests made on the day of your subscription payment) will not be honored.

• Access to group posts and/or live calls and call recordings will end on the expiration date of Customer’s current subscription period.

Done-For-You Services:

• All transactions are final. No refunds are offered under any circumstances.

• No action will be taken on your account until you’ve signed the relevant Customer Agreement for the service(s) you have purchased.

Consumer Fraud Prevention Policy

We take consumer fraud seriously. Consumer fraud jeopardizes our ability to pay our employees and serve our customers. Instances of consumer fraud have risen dramatically over the past three years, including:

• Card Cancellation Fraud: Consumers defraud merchants by canceling their credit card without providing a new form of payment. US law treats Card Cancellation Fraud as a form of Wire Fraud.

• Pre-paid Card Fraud: Consumers defraud merchants by purchasing payment plans using pre-paid cards, then failing to add funds to cover future payments. US law treats Pre-paid Card Fraud as a form of Wire Fraud.

• Chargeback Fraud: Consumers defraud merchants by initiating payment disputes with their credit card company under false pretenses in order to evade payment. US law treats Chargeback Fraud as a form of Wire Fraud, and convictions are on the rise.

• Fraud by claiming to have requested a refund within the cancellation window. This is the most common form of consumer fraud. If you do not receive a cancellation request acknowledgement from us within 3 business days of submission, your cancellation request was not received and must be resubmitted.
• Other forms of financial manipulation.

Individuals accused of consumer fraud may lose their banking privileges, have their assets frozen, and face criminal charges, including wire fraud, mail fraud, and banking fraud. Wire fraud perpetrators may be subjected to fines of up to $250,000 and face jail sentences of up to 20 years. Mail and/or bank fraud perpetrators may be fined up to $1,000,000 and face jail time of up to 30 years.

By signing below, you acknowledge and agree that:

• All purchase contract terms are strictly enforced. 

• Without exception and to the maximum extent allowable by law, Company pursues a full remedy in each instance of known or suspected consumer fraud, including Chargeback Fraud.

• If you experience financial hardship and are temporarily unable to satisfy your purchase contract terms, you must request a modification of payment terms in writing prior to your next upcoming payment. In its sole discretion, Company may approve or deny any requested contract modification.

• In the event of disputed payments (“chargebacks”) or multiple failed payment processing attempts, the following Consumer Fraud Prevention actions may be taken at Company’s sole discretion.
• A one-time Consumer Fraud Prevention Fee of $250 may be added to Customer’s outstanding balance. 
• In addition to the one-time Consumer Fraud Prevention Fee, a $30 Chargeback Fee may also be assessed for each disputed credit card transaction.
• Any chargeback fees charged to Company by Customer’s credit card issuer may be added to Customer’s outstanding balance.
• Legal fees incurred by Company in the course of pursuing a remedy to contractual non-performance, non-payment, and/or consumer fraud, may be added to Customer’s outstanding balance. 
• The legal jurisdiction for all matters relating to Customer’s purchase contract is the State of Colorado in the United States of America. 
• The sum of the Consumer Fraud Prevention fees, credit card issuer dispute fees, and the Customer’s outstanding purchase contract balance may be reported as miscellaneous income to Customer’s tax authority:
• For Customers living in the United States, a Form 1099-MISC may be submitted to the Internal Revenue Service. 
• For Customers living in the United Kingdom, a report may be made to His Majesty’s Revenue and Customs office.
• For Customers living in Canada, a T4A slip may be submitted to the Canadian Revenue Agency.
• For Customers living in Australia, a report may be made to the Australian Tax Office.
• Where applicable and at Company’s sole discretion, a court judgment may be obtained in the amount of the outstanding contract balance, plus all legal and administrative fees and charges created by Customer’s default and/or fraud. 
• Where applicable and at Company’s sole discretion, in order to secure payment of Customer’s debt to Company, a lien may be placed against Customer’s home, automobile, or other valuable personal property, and/or Customer’s wages may be garnished. 
• At Company’s sole discretion, the sum of the Consumer Fraud Prevention fees and the Customer’s outstanding balance may be sent to a debt collection service. In order to recover the debt, the debt collection service may contact Customer, Customer’s employer (if applicable), Customer’s employees and/or contractors (if applicable), Customer’s customers and/or tenants (if applicable), Customer’s pension or retirement plan servicer (if applicable), and/or Customer’s family members and known associates. Collections agencies are required by law to inform all contacted parties that contact has been initiated in an attempt to collect an unpaid debt.

• All unpaid debt will be reported to consumer credit monitoring agencies, which may affect your credit score.

This document constitutes the full agreement between Polymath Consulting and Publishing, Inc., and the customer.