Combs Coaching & Consulting Group, LLC requires payment in full prior to delivery of coaching services unless otherwise agreed in writing. This policy clarifies accepted payment methods, billing procedures, refund eligibility, re-scheduling, chargebacks, and record retention.

1.      Payment Methods and Processing

• Accepted methods: Credit and debit cards processed via Stripe (Visa, Mastercard, Discover & AMEX) and other payment types supported by Stripe.

• Processor: All payments for services are processed through Stripe, a secure and compliant payment gateway. By submitting payment, you agree to Stripe’s terms and conditions.

• Timing: Payments are captured at the time of purchase or at the time set by any agreed payment plan; clients will receive confirmation and an electronic receipt after a successful payment. Any issues related to payment authorization, processing, or refunds may be subject to Stripe’s policies and timelines.

2.      Billing and Invoicing

• Invoices: Invoices and receipts are issued electronically through our scheduling or payment platform and reflect the services purchased, purchase date, and payment method.

• Packages: Discounted packages must be used within six (6) months from the time of purchase; unused sessions after the expiration period are forfeited unless a written extension is agreed.

3.      Refunds and Cancellation Policy

• Sales final rule: Unless otherwise stated in a written agreement, all coaching session purchases are final and non-refundable. This includes single sessions and packages purchased through our booking system.

• Rescheduling: Clients may re-schedule through the booking platform at least 24 hours prior to a scheduled session. Re-scheduling requests made with less than 24 hours’ notice or no‑shows may result in forfeiture of the session. Combs Coaching & Consulting Group may, at its sole discretion, offer a makeup session for last‑minute cancellations or no‑shows.

• Limited exceptions: In narrow, documented circumstances (e.g., administrative errors, duplicate charges, or provider‑initiated cancellations), we may issue refunds or credits at our discretion. Refunds are processed through Stripe and are subject to Stripe’s refund handling and timing; Stripe may incur fees or holdbacks for refunds according to its policies.

4.      Chargebacks and Collections

If a client initiates a chargeback, we will respond with transaction records, session confirmations, and communications to dispute invalid claims. Chargebacks that are upheld may result in loss of service privileges and recovery actions for outstanding fees. Stripe’s dispute process and timelines will be followed in handling chargebacks.

5.      Record Retention Taxes and Compliance

• Retention: Payment records, invoices, and receipts are retained as required for accounting and tax compliance. We retain transaction records for the period required by law and industry best practices and will securely delete or anonymize data when retention is no longer necessary.

• Taxes: Clients are responsible for any applicable taxes on purchased services. Our invoices will indicate taxes charged where required by law.

6.      Contact for Billing Questions

Send billing, refund, or invoice questions to Combs Coaching & Consulting Group’s email (tim@combsccg.com) or through the contact method on your invoice. We aim to acknowledge and resolve requests promptly and in accordance with applicable law and Stripe’s operational constraints.

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