Refund policy

Effective Date: October 1, 2026

Thank you for choosing CEO Business Services, a brand owned and operated by You Are a CEO, Inc. (“CEO Business Services,” “Company,” “we,” “us,” or “our”).

This Refund & Cancellation Policy (“Policy”) applies to purchases of products and services offered by CEO Business Services, including digital products, educational programs, coaching programs, memberships, subscriptions, events, software and digital tools, downloadable materials, and other services (collectively, the “Services”).

Please review this Policy carefully before making a purchase.

EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW OR EXPRESSLY PROVIDED IN A WRITTEN OFFER, ORDER FORM, ENROLLMENT AGREEMENT, PROGRAM AGREEMENT, PROMOTIONAL GUARANTEE, OR OTHER APPLICABLE WRITTEN AGREEMENT, ALL PURCHASES AND FEES PAID TO CEO BUSINESS SERVICES ARE FINAL AND NON-REFUNDABLE.

1. GENERAL NO-REFUND POLICY

CEO Business Services provides proprietary educational content, intellectual property, coaching resources, business systems, digital resources, software, personnel, program capacity, technology, and other resources that may become available or be committed to a customer upon purchase or enrollment.

Accordingly, except as otherwise required by applicable law or expressly provided in writing by CEO Business Services, amounts paid for Services are non-refundable.

This policy may apply to:

digital products;
courses;
coaching programs;
educational programs;
memberships;
subscriptions for completed billing periods;
business resources;
templates;
downloadable materials;
software and digital tools;
events and workshops;
assessments;
consulting or support services; and
other Services.

The fact that a customer does not use, complete, attend, or fully participate in a purchased Service does not by itself create a right to a refund.

2. RIGHTS PROVIDED BY APPLICABLE LAW

Nothing in this Policy is intended to eliminate, waive, or restrict any cancellation, refund, rescission, charge-dispute, or other consumer right that cannot lawfully be waived.

If applicable law requires CEO Business Services to provide a refund, cancellation right, rescission period, or other remedy, we will comply with the applicable legal requirement.

Where a specific Service or transaction is subject to mandatory rights that differ from this Policy, those rights will control.

3. DIGITAL PRODUCTS AND DOWNLOADABLE MATERIALS

Purchases of digital products and downloadable materials are generally final and non-refundable once the purchase has been completed or access has been provided, except where otherwise required by applicable law.

Digital products may include:

courses;
videos;
audio recordings;
workbooks;
templates;
forms;
assessments;
reports;
presentations;
business systems;
digital resources; and
downloadable materials.

Failure to download, view, access, or use purchased digital content does not by itself entitle a customer to a refund.

4. COACHING AND EDUCATIONAL PROGRAMS

Fees paid for coaching, training, consulting, educational programs, masterminds, group programs, workshops, and similar Services are generally non-refundable once purchased or enrolled in, except as otherwise required by applicable law or expressly stated in the applicable written agreement.

Enrollment may cause CEO Business Services to reserve:

coaching capacity;
program seats;
personnel;
scheduling availability;
technology resources;
proprietary materials;
digital access; and
other resources.

A customer's decision to discontinue participation does not automatically create a right to a refund or release the customer from contractual payment obligations.

5. INSTALLMENT PAYMENT PLANS

Some CEO Business Services programs may allow customers to pay a total purchase price through installments.

AN INSTALLMENT PAYMENT PLAN IS A METHOD OF PAYING A PURCHASE PRICE AND IS NOT, UNLESS EXPRESSLY STATED OTHERWISE, A MONTH-TO-MONTH SUBSCRIPTION.

For example, if a customer purchases a program for a stated total price and elects to pay that price through monthly installments, the installments may represent payments toward the total contractual purchase obligation rather than separate monthly purchases.

Accordingly, unless otherwise required by applicable law or expressly provided in the applicable agreement:

discontinuing participation does not automatically cancel the remaining installment obligation;
failure to attend or use the Service does not automatically cancel remaining installments;
removal of account access because of nonpayment does not automatically eliminate amounts already contractually owed; and
cancellation of a payment method does not itself cancel the underlying payment obligation.

The total purchase price, installment schedule, and applicable payment terms should be disclosed at enrollment or contained in the applicable order form, enrollment agreement, or program agreement.

6. MEMBERSHIPS AND RECURRING SUBSCRIPTIONS

A recurring membership or subscription is different from an installment payment plan.

If a Service is expressly sold as an automatically renewing subscription or membership, the applicable enrollment or checkout process will disclose the recurring price, billing frequency, and applicable cancellation terms.

Customers may cancel future renewals in accordance with the applicable subscription terms and applicable law.

Unless otherwise stated or required by law:

cancellation stops future renewal charges;
cancellation does not create a refund for an already completed or commenced billing period;
access may continue through the end of the current paid billing period; and
previously paid subscription fees remain non-refundable.

CEO Business Services will provide subscription cancellation methods and renewal notices as required by applicable law.

7. CANCELLATION OF PARTICIPATION

A customer's decision to stop participating in a Service is not necessarily the same as cancelling a financial obligation.

A customer may elect to stop attending or using a program, but unless applicable law or the applicable written agreement provides otherwise:

cancellation of participation does not automatically create a refund or eliminate an outstanding contractual installment obligation.

This distinction is particularly important for fixed-price programs that permit customers to pay the purchase price over time.

8. CIRCUMSTANCES THAT GENERALLY DO NOT QUALIFY FOR A REFUND

Except as otherwise required by law or expressly provided in writing, refunds generally will not be provided because of:

change of mind;
failure to use the Service;
failure to attend coaching sessions, classes, events, or meetings;
failure to complete a program;
scheduling conflicts;
changes in personal or business circumstances;
dissatisfaction after accessing proprietary materials or Services;
failure to implement recommendations or strategies;
failure to achieve a particular business or financial result;
differences between expected and actual results;
customer-side Internet, computer, device, browser, or other technical problems;
loss of account credentials attributable to the customer;
failure to review the Service description before purchase; or
voluntary discontinuation of participation.

CEO Business Services does not guarantee specific business, revenue, profit, financing, credit, tax, investment, operational, or other results, as further described in our Terms of Service.

9. ACCIDENTAL OR ERRONEOUS PURCHASES

Claims involving an alleged accidental, unauthorized, or erroneous transaction will be reviewed individually.

Contact Billing Support promptly after discovering the issue.

CEO Business Services may consider relevant circumstances including whether:

the Service has been accessed;
proprietary materials have been downloaded;
coaching or other Services have begun;
the transaction was authorized;
a duplicate charge occurred; and
other resources have already been committed.

Review of a request does not guarantee that a refund will be granted.

Nothing in this section limits rights concerning unauthorized or erroneous transactions that may exist under applicable law or applicable payment-network rules.

10. DUPLICATE PAYMENTS

If you believe the same transaction was charged more than once in error, contact Billing Support promptly at:

support@youareaceo.com

We will investigate the transaction.

If we confirm that an unintended duplicate charge occurred, CEO Business Services will refund or reverse the verified duplicate amount to the original payment method where reasonably practicable.

A correction of a duplicate charge does not constitute a refund of the underlying valid purchase.

11. EVENTS, WORKSHOPS, AND LIVE PROGRAMS

Unless otherwise stated in the applicable event terms, registrations for live events, workshops, bootcamps, conferences, seminars, masterminds, and similar programs are non-refundable.

If a customer is unable to attend, any right to:

transfer registration;
receive a credit;
attend a future event;
substitute another attendee; or
reschedule participation

will depend upon the specific event terms or written authorization from CEO Business Services.

A customer's inability to attend does not automatically create a right to a refund.

12. COMPANY CANCELLATION, RESCHEDULING, OR DISCONTINUATION

CEO Business Services may occasionally need to cancel, postpone, reschedule, modify, replace, or discontinue a Service because of operational, personnel, technology, venue, safety, legal, force-majeure, or other circumstances.

Where appropriate, CEO Business Services may provide:

a rescheduled date;
replacement Service;
substantially equivalent alternative;
account credit; or
refund for an applicable unprovided portion.

If CEO Business Services permanently cancels a paid Service before it is substantially provided and does not provide a reasonable replacement, rescheduling opportunity, credit, or substantially equivalent alternative, we will provide any refund or other remedy required by applicable law and may provide an appropriate refund or credit based upon the circumstances.

13. TERMINATION FOR VIOLATION OF TERMS

CEO Business Services may suspend or terminate a customer's access to Services for reasons permitted under our Terms of Service, including material violations involving:

fraud;
unlawful conduct;
nonpayment;
unauthorized account sharing;
infringement or misuse of intellectual property;
unauthorized distribution of proprietary materials;
security violations;
harassment, threats, or abusive conduct;
misuse of the platform; or
other material violations of applicable agreements.

To the fullest extent permitted by applicable law, termination for a customer's material violation does not automatically entitle the customer to a refund.

Any outstanding payment obligations will be determined according to the applicable purchase agreement, enrollment agreement, Terms of Service, and applicable law.

14. FAILED AND RETURNED PAYMENTS

Customers are responsible for maintaining a valid authorized payment method for amounts properly due.

If a scheduled payment is declined, returned, reversed, or otherwise unsuccessful, CEO Business Services or its authorized payment processor may, subject to applicable law and applicable agreements:

retry the payment;
request an alternative payment method;
suspend access to the Service; or
pursue validly outstanding amounts.

Any applicable late fees, returned-payment charges, collection costs, or similar amounts will be imposed only where expressly agreed and permitted by applicable law.

15. CHARGEBACKS AND PAYMENT DISPUTES

If you believe a transaction is incorrect, we encourage you to contact CEO Business Services Billing Support before initiating a chargeback or payment dispute so that we have an opportunity to investigate and attempt to resolve the matter.

Nothing in this Policy prevents you from exercising rights concerning unauthorized or improper transactions available under applicable law or applicable payment-network rules.

If a chargeback or payment dispute is initiated, CEO Business Services may provide the applicable bank, payment processor, financing provider, or payment network with information reasonably necessary to respond to the dispute, including:

transaction records;
enrollment records;
payment authorizations;
applicable agreements;
records of acceptance of applicable policies;
login or access records;
records showing delivery of digital materials;
communications; and
records showing Services provided.

We may suspend access to Services associated with a disputed payment while the dispute is pending where permitted by law and applicable agreements.

16. THIRD-PARTY FINANCING AND PAYMENT PROVIDERS

Some purchases may be financed or processed through third-party lenders, financing companies, installment-payment providers, or other payment services.

Those providers may maintain their own:

financing agreements;
payment schedules;
cancellation provisions;
refund procedures;
dispute procedures; and
account requirements.

A cancellation request made to CEO Business Services does not necessarily cancel or modify a separate financing agreement between a customer and a third-party provider.

Similarly, cancellation of financing does not necessarily cancel an underlying purchase unless applicable law or the relevant agreements provide otherwise.

Customers should review the applicable third-party financing agreement carefully.

17. SPECIAL OFFERS AND REFUND GUARANTEES

CEO Business Services may occasionally offer a Service with a specific written:

money-back guarantee;
trial period;
cancellation period;
satisfaction guarantee;
promotional refund policy; or
other special terms.

When a specific written offer expressly provides refund or cancellation rights that differ from this Policy, the terms of that specific offer will control for the applicable transaction.

Any customer requesting a refund under a promotional guarantee must satisfy the conditions and time requirements expressly stated in that offer, to the extent permitted by applicable law.

18. CREDITS, TRANSFERS, AND EXCHANGES

CEO Business Services may, in its discretion, offer a credit, transfer, exchange, rescheduling opportunity, or replacement Service in circumstances where a cash refund is not required.

Unless expressly stated otherwise in writing:

credits have no cash value;
credits are not equivalent to refunds;
credits may be subject to expiration dates;
transfers may be subject to eligibility requirements; and
issuance of a discretionary credit does not modify this Policy for other transactions.

Nothing in this section limits remedies required by applicable law.

19. RELATIONSHIP TO OTHER AGREEMENTS

This Refund & Cancellation Policy should be read together with the CEO Business Services:

Terms of Service;
applicable enrollment agreement;
order form;
program agreement;
subscription terms;
event terms;
financing or payment agreement; and
any specific promotional offer applicable to your purchase.

If a separately executed agreement, order form, program agreement, or specific written offer expressly provides refund or cancellation terms that differ from this Policy, those specific terms will control with respect to that transaction to the extent permitted by applicable law.

The CEO Business Services Terms of Service govern additional matters concerning payments, subscriptions, installment plans, account termination, intellectual property, dispute resolution, and use of the Services.

20. CONTACT BILLING SUPPORT

If you have questions concerning a payment, cancellation, duplicate transaction, or this Refund & Cancellation Policy, please contact us:

You Are a CEO, Inc.
CEO Business Services
Attn: Billing Support
2300 Stanwell Drive, Suite A
Concord, California 94520

Email: support@youareaceo.com

When contacting Billing Support regarding a transaction, please provide sufficient information for us to identify the applicable account and transaction. Do not send complete credit-card numbers or sensitive payment credentials by email.

ACKNOWLEDGMENT

By purchasing a Service from CEO Business Services, you acknowledge that you have been provided an opportunity to review this Refund & Cancellation Policy before completing the transaction.

EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW OR EXPRESSLY PROVIDED IN AN APPLICABLE WRITTEN AGREEMENT OR OFFER, ALL PURCHASES AND FEES PAID TO CEO BUSINESS SERVICES ARE FINAL AND NON-REFUNDABLE.