1. GENERAL POLICY

IMB Wealth Academy (“we,” “us,” or “our”) provides mentorship programs, consulting services, digital products, and access to a paid online community. By purchasing any product, service, or subscription from us, you acknowledge and agree to the policies listed below.

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2. ALL SALES ARE FINAL — NO REFUNDS

Due to the digital nature of our products, the intellectual property provided, and immediate access granted upon purchase:

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ALL SALES ARE FINAL. NO REFUNDS WILL BE ISSUED.

This applies to:

• Mentorship Programs

• Digital Products

• Consulting Calls

• The Online Community Membership

• Any Bundled or Packaged Services

Once purchased, no cancellations, chargebacks, or refund requests will be honored.

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3. MENTORSHIP PROGRAM POLICY

By enrolling in any mentorship program, you acknowledge that:

• You are paying for access, education, guidance, and training — not guaranteed results.

• You must complete all assignments, action steps, and requirements to experience full value.

• Access to materials may have expiration dates depending on the program purchased.

• No refunds are provided for missed calls, lack of participation, or failure to use the program.

We reserve the right to remove participants for violating community guidelines, harassment, or disruptive behavior.

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4. CONSULTING CALL POLICY

All consulting calls must be booked through the official scheduling system.

• Missed or late appointments will not be rescheduled or refunded.

• Rescheduling requires minimum 24-hour notice.

• Calls may not be recorded or redistributed without permission.

All consulting calls are considered delivered services and are non-refundable.

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5. DIGITAL PRODUCT POLICY

Digital products include (but are not limited to):

• Ebooks

• Templates

• Courses

• Downloads

• Guides

• Digital files or tools

Once digital access is delivered, you may not:

• Request a refund

• File a chargeback

• Sell, share, or distribute the materials

You receive personal-use only access unless otherwise stated.

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6. ONLINE COMMUNITY MEMBERSHIP (MONTHLY SUBSCRIPTION)

Your monthly subscription includes:

• Access to community discussions

• Live trainings (as applicable)

• Exclusive resources

• Monthly or weekly content

By joining the community:

• You authorize recurring monthly payments

• You may cancel at any time, but cancellations only apply to future billing

• No refunds will be issued for previous monthly charges

• If removed for misconduct, no refunds will be issued

Membership access ends immediately upon cancellation or failed payment.

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7. RESULTS DISCLAIMER

We do not guarantee:

• Credit score increases

• Business funding approvals

• Income growth

• Financial outcomes

Your success depends on your personal effort, consistency, and application of strategies provided.

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8. CHARGEBACK POLICY

Filing a chargeback for services or products that were delivered is considered fraud.

We reserve the right to:

• Provide documentation to dispute chargebacks

• Remove your access to all programs and communities

• Pursue legal action if needed

By purchasing, you agree not to file chargebacks for any reason.

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9. INTELLECTUAL PROPERTY

All content, materials, videos, guides, templates, and trainings are the intellectual property of IMB Wealth Academy.

You may not:

• Copy

• Reproduce

• Sell

• Distribute

• Share access

Violation may result in removal and legal action.

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10. CONTACT INFORMATION

For support, questions, or account assistance, please email: [your support email]