Legal
Return & Refund Policy
Effective Date: August 7, 2026
Quick Summary
- $97.97 enrollment fee — non-refundable after onboarding begins (refundable within 24 hrs if no work started)
- $97.97 monthly fee — refundable within 7 days if no services rendered that period
- Cancel anytime with 5 business days' notice before next billing date
- Refunds processed within 5–10 business days to original payment method
1. Overview
Dirmarcus Scott Consulting, a DBA of New Era of Conscious Living, is committed to delivering high-quality credit consulting and financial coaching services. We understand that circumstances change, and this policy explains your options if you are not satisfied or need to discontinue services.
Please read this policy carefully before enrolling. By enrolling in our services, you agree to the terms described below.
2. One-Time Enrollment Fee
The $97.97 one-time enrollment fee covers the cost of onboarding, initial credit report review, account setup, and preparation of your personalized action plan.
This fee is non-refundable once your onboarding has been initiated. If you cancel before any onboarding work has begun (within 24 hours of enrollment and before your first consultation), you may request a full refund of the enrollment fee.
3. Monthly Service Fee
The $97.97 monthly service fee covers ongoing dispute management, credit coaching, and client support for that billing period.
Refund Eligibility Window
You may request a refund of your most recent monthly charge within 7 calendar days of the charge date, provided that no dispute letters or correspondence have been submitted on your behalf during that billing period.
No Refund After Services Rendered
If dispute letters, bureau correspondence, or coaching sessions have been delivered during a billing period, that month's fee is non-refundable, as the service has been performed.
Partial Month
We do not prorate monthly fees. If you cancel mid-cycle, your access to services continues through the end of the paid period.
4. How to Cancel
To cancel your subscription and stop future charges, contact us at least 5 business days before your next billing date using one of the methods below:
Cancellation requests received after the 5-business-day window may result in one additional charge for the upcoming billing period. We will confirm your cancellation in writing within 2 business days.
5. How to Request a Refund
To request a refund, please contact us within the applicable eligibility window with the following information:
- Your full name and email address on file
- The date and amount of the charge in question
- A brief explanation of your refund request
We will review your request and respond within 5–7 business days. Approved refunds will be credited to your original payment method within 5–10 business days, depending on your bank or card issuer.
Refund requests can be submitted to: neweraofconsciousliving@gmail.com or by calling (832) 892-2540.
6. Chargebacks & Disputes
We encourage you to contact us directly before initiating a chargeback with your bank or card issuer. Most issues can be resolved quickly through direct communication.
Initiating a chargeback without first contacting us may result in suspension of your account and may affect your ability to re-enroll in our services in the future. We reserve the right to dispute chargebacks where services were rendered as agreed.
7. QuickBooks Invoice Payments
Some clients receive invoices through QuickBooks. Payments made via QuickBooks invoices are subject to the same refund terms described in this policy. QuickBooks invoices accept all major credit cards, debit cards, ACH bank transfers, and other payment methods enabled on the invoice.
If you have a question about a QuickBooks invoice charge, please contact us directly with the invoice number and we will assist you promptly.
8. Exceptions & Special Circumstances
We review refund requests on a case-by-case basis and may, at our sole discretion, approve exceptions to this policy in cases of documented hardship, billing errors, or extenuating circumstances.
To request an exception, please contact us directly and provide any relevant documentation. We are committed to working with our clients in good faith.
9. Contact Us
For refund requests, cancellations, or billing questions, please reach out:
© 2026 Dirmarcus Scott Consulting, a DBA of New Era of Conscious Living. All rights reserved.
Questions? Email neweraofconsciousliving@gmail.com