Refund & Cancellation Policy
How To Overcome Betrayal LLC
Effective Date: September 11, 2026
How To Overcome Betrayal LLC ("Company," "we," "us," or "our") provides private coaching services and sells physical and digital products. This Refund & Cancellation Policy explains the general rules that apply to coaching cancellations, rescheduling, refunds, physical-product purchases, and digital-product purchases.
For private coaching, a signed Coaching Agreement controls if it provides different or more specific financial, cancellation, scheduling, or refund terms. This public policy does not silently amend an existing signed Coaching Agreement.
1. PRIVATE COACHING PAYMENTS, CAPACITY RESERVATION, AND REFUNDS
Private coaching begins only after the applicable Coaching Agreement has been signed and required payment arrangements have been completed. Enrollment reserves limited professional capacity, scheduled availability, preparation time, review time, and between-session support resources.
For refund calculations, unless the signed Coaching Agreement or Enrollment Summary states another allocation, the package per-session rate equals the total package price divided by the number of included coaching sessions. This calculation is used for cancellation, termination, and capacity-reservation purposes and does not convert a coaching package into separately purchased sessions.
Before the first session. If a client cancels at least 48 hours before the first scheduled coaching session and no coaching service has been delivered, we will refund amounts paid, less any nonrecoverable third-party payment-processing or financing charges that we are legally permitted to pass through.
If a client cancels less than 48 hours before the first scheduled session, we may retain one package session at the per-session package rate as a capacity-reservation charge, plus lawful nonrecoverable third-party charges, and refund the remainder. The capacity-reservation charge is intended to reasonably account for scheduling, preparation, administrative work, and reserved capacity and is not intended as a penalty.
After coaching begins. Delivered sessions and sessions properly treated as missed under this policy or the signed Coaching Agreement are non-refundable. If a client voluntarily ends a package before all sessions are completed, we may retain the value of sessions already delivered or properly missed, one additional package session at the per-session package rate as a capacity-reservation charge, and lawful nonrecoverable third-party charges. We will refund any remaining amount actually received by the Company.
If the Company ends the coaching relationship for reasons not caused by the client’s material breach, or the Company becomes unable to provide remaining services, we will refund the amount attributable to undelivered sessions, subject only to lawful nonrecoverable third-party charges.
2. SCHEDULING, RESCHEDULING, LATE ARRIVALS, AND NO-SHOWS
A client may request to reschedule by providing at least 24 hours’ notice, measured in Eastern Time. Timely rescheduling is subject to availability and does not automatically extend the package end date.
A cancellation or reschedule request made with less than 24 hours’ notice may be treated as a delivered, non-refundable session because the reserved appointment may not be reasonably reassigned. We may grant a courtesy exception when circumstances warrant, but we are not required to do so.
A no-show is treated as a delivered, non-refundable session.
Sessions end at the originally scheduled time. If a client arrives late, the session may be shortened. If the client is more than 15 minutes late and there is not enough time for a meaningful session, the appointment may be treated as a no-show.
Sessions must be used by the applicable package end date unless the Company approves an extension in writing.
3. THIRD-PARTY PAYMENT PLANS, PROCESSORS, AND REFUND TIMING
A third-party payment, financing, or payment-plan provider may impose separate lawful terms, interest, processing charges, or fees that the Company does not control. A refund from the Company does not necessarily cancel or refund charges imposed independently by a third-party provider.
When a coaching refund is due under the signed Coaching Agreement, we will issue the refundable amount actually received by the Company within ten business days after the refund amount is determined. When possible, refunds will be returned through the original payment method. A bank, card issuer, payment processor, or financing provider may require additional time to post the credit after we issue it.
We will not deduct or retain a third-party charge unless doing so is permitted by applicable law and the governing transaction terms.
4. PHYSICAL BOOKS AND OTHER PHYSICAL PRODUCTS
Physical books and other physical products are generally final sale and are not returnable or refundable for buyer’s remorse, a change of mind, minor cosmetic variations that do not affect normal use or readability, or an incorrect shipping address supplied by the purchaser, except where applicable law requires otherwise.
Damaged, defective, or incorrect items. If a physical item arrives damaged, defective, or different from what was ordered, contact su*****@**************al.com within 7 days of confirmed delivery when reasonably possible. Please provide the order number, a description of the issue, and clear photographs of the item and packaging when relevant. After verification, we will ordinarily provide a replacement at no additional cost. If a replacement is unavailable or a refund is otherwise required, we will provide an appropriate refund.
Lost or undelivered orders. If an order is confirmed lost in transit or cannot be delivered through no fault of the purchaser, contact us so we can investigate and provide a replacement or refund as appropriate.
Shipping delays. For Internet orders of physical merchandise, if we cannot ship within a promised shipping period or within the period otherwise required by applicable law, we will provide any delay notice, cancellation option, and prompt refund required by law.
Original shipping charges are generally non-refundable when an order was properly shipped and delivered, but this does not apply when a refund of shipping charges is required because of our error, non-delivery, or applicable law.
5. EBOOKS, DOWNLOADABLE MATERIALS, AND OTHER DIGITAL PRODUCTS
Digital products are generally final sale and non-refundable after the purchased file, download link, or other digital access has been successfully delivered or made available to the purchaser.
A refund or other correction may be appropriate when there is a duplicate charge, the wrong digital product was delivered, the purchased file is materially defective or corrupted and we cannot provide a working replacement, access was not provided as represented, or applicable law requires a refund.
If a digital product does not work as expected, contact su*****@**************al.com promptly with the order number and a description of the problem. We may first provide reasonable troubleshooting, a replacement file, or restored download access before issuing a refund when that resolves the delivery problem.
The current digital edition of The Betrayal & How I Continue to Overcome is configured for up to five downloads during a 30-day access period. These access limits do not reduce any nonwaivable rights provided by applicable law.
6. HOW TO REQUEST A CANCELLATION, REFUND, REPLACEMENT, OR DIGITAL-ACCESS REVIEW
For coaching cancellation or termination, send written notice to su*****@**************al.com or use another written communication method specifically approved for the coaching relationship. Include the client’s name and enough information to identify the coaching package and scheduled session.
For physical or digital product issues, email su*****@**************al.com and include the purchaser’s name, order number, email address used for the order, and a description of the issue. Photographs may be requested for damaged physical products.
7. PAYMENT DISPUTES AND CHARGEBACKS
This policy does not prevent a consumer from exercising a lawful right to dispute a transaction with a card issuer, payment processor, financing provider, or other institution. We may respond to a payment dispute or chargeback with relevant business records, including order records, delivery records, signed agreements, attendance records, refund calculations, and communications, as permitted by law.
A payment dispute does not by itself change the refund or cancellation terms that otherwise apply to the transaction.
8. NONWAIVABLE CONSUMER RIGHTS
Nothing in this policy is intended to waive or restrict a consumer right or remedy that applicable law does not permit the parties to waive. Terms such as "final sale" or "non-refundable" do not eliminate rights that may exist when goods or services are not delivered as represented, when a refund is required by law, or when another nonwaivable consumer protection applies.
How To Overcome Betrayal LLC is based in Ohio and serves customers and coaching clients in multiple U.S. states. Mandatory consumer protections may vary by jurisdiction.
9. CHANGES TO THIS POLICY
We may update this Refund & Cancellation Policy as our services, products, payment systems, or legal obligations change. The current version will be posted on the website with a revised effective or updated date. A later website-policy change does not silently alter the financial or cancellation terms of an already-signed Coaching Agreement.
10. CONTACT INFORMATION
How To Overcome Betrayal LLC
1094 Linden Ave
Akron, OH 44310
Email: su*****@**************al.com
Phone: 330-752-6410
Website: https://overcomebetrayal.com