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Refund Policy

Effective 2026-04-30Version 1

IMPORTANT: This document is an AI-generated starting point and has NOT been reviewed by a licensed attorney. Before going live with real customer transactions, WeMillionaires must have this document reviewed and adapted by qualified counsel in the relevant jurisdictions. The document is not legal advice.

WeMillionaires Refund Policy

Effective Date: 2026-04-30

This Refund Policy explains when and how refunds may be issued for purchases made through the WeMillionaires platform. It is part of, and incorporated into, our Terms of Use. By creating an account, purchasing a membership, or buying any products or services on the platform, you agree to this Refund Policy.

WeMillionaires uses Stripe and other third-party payment processors to handle subscription billing and one-time payments.

1. Scope of this Refund Policy

1.1 Covered Products and Services
This Refund Policy applies to purchases made directly from WeMillionaires, including:

  • Membership subscriptions (Ascend, Growth, Founder)
  • Listing-pack purchases for the eDirectory marketplace
  • AI-related credit purchases (for AI Video Builder and AI-generated text tools, where applicable)
  • Paid courses and other digital learning content
  • Paid bookings through the 1:1 scheduler (to the extent refunds are handled by WeMillionaires rather than the individual service provider)

1.2 Excluded Items
This Refund Policy does not apply to:

  • Payments made to third-party service providers or partners outside the WeMillionaires platform
  • Any taxes, foreign exchange or transaction fees charged by your bank or payment provider
  • Any amounts already refunded or credited under separate written agreements

1.3 Jurisdiction Limits
WeMillionaires does not offer services and does not accept signups from:

Cuba, Iran, North Korea, Syria, Russia, Belarus, Myanmar, Venezuela, Sudan, South Sudan, Afghanistan, Crimea region, Donetsk and Luhansk regions, and any other jurisdiction subject to U.S. OFAC sanctions.

Any attempted purchases from those regions are invalid and not eligible for refunds except where required by applicable law.

2. Membership Refunds (Ascend, Growth, Founder)

2.1 14-Day Money-Back Guarantee on Initial Membership
For new members purchasing their first Ascend, Growth, or Founder membership subscription:

  • You may request a full refund of your initial membership subscription fee within 14 calendar days of your first membership purchase date (the “Cooling-Off Period”),
  • Provided you comply with the refund request process in Section 8 and this Policy’s other terms.

2.2 Founder Initiation Fee – Non-Refundable After Allocation
If you purchase a Founder membership that includes a separate initiation fee and/or bundled listing allocations:

  • The Founder initiation fee is non-refundable once your allocated listings have been created, assigned, or otherwise made available to you (the “Allocation Point”).
  • Before the Allocation Point, you may request a refund under the 14-day money-back guarantee, subject to WeMillionaires’ confirmation that no listings have been allocated or used.

2.3 Renewals and Upgrades
The 14-day money-back guarantee applies only to your first membership subscription with WeMillionaires:

  • Renewals (monthly, annual, or otherwise) of any membership tier are non-refundable, except where required by applicable law.
  • Upgrades or downgrades between tiers (for example, Ascend to Growth or Growth to Founder) are generally non-refundable, but WeMillionaires may, at its discretion, provide a prorated credit towards future billing cycles.

2.4 Refunds After Cooling-Off Period
After the 14-day Cooling-Off Period:

  • All membership fees (including subscription charges and recurring payments) are non-refundable,
  • Even if you stop using the platform, downgrade your membership, or cancel before the end of the then-current billing period.

3. Listing-Pack Purchases and Refunds

3.1 Nature of Listing Packs
WeMillionaires offers listing packs or allocations in its eDirectory marketplace (for example, additional business listings, featured listings, or similar inventory).

3.2 No Refunds After Allocation
Listing-pack purchases are non-refundable once listings are allocated or activated on your account, whether or not you subsequently use, edit, or fully complete those listings.

“Allocated” includes:

  • The listing slots being added to your account balance,
  • The ability to create or publish listings being enabled,
  • Any listing or listing slot that has been reserved, activated, or otherwise made available for your use.

3.3 Pre-Allocation Requests
If you purchase a listing pack and no listings have yet been allocated or activated, you may request a refund within 7 calendar days from the purchase date, subject to WeMillionaires’ verification that none of the listing slots have been used or reserved.

4. AI Credits and AI-Generated Content

4.1 AI Credit Purchases
Some features, such as the AI Video Builder (powered by third-party machine learning tools) and AI-generated text content, may require separate AI credits or usage-based fees.

4.2 Partial Refunds for Unused AI Credits (Within 7 Days)
You may request a partial refund for unused AI credits if:

  • Your request is made within 7 calendar days of the AI credit purchase date; and
  • The credits are still entirely or partially unused at the time of the request.

4.3 Calculation of Partial Refunds
Partial refunds for AI credits are generally calculated as follows:

  • Used credits: Non-refundable.
  • Unused credits: Refundable pro rata based on the original per-credit price you paid, less any promotional or bonus credits that were granted for free.

Example (for illustration only, not a commitment to specific pricing):

  • You purchase 100 AI credits for $100.
  • You use 40 credits and have 60 unused.
  • You request a refund within 7 days of purchase.
  • The refundable portion would be approximately: 60 / 100 × $100 = $60 (before any applicable fees, promotions, or adjustments).

4.4 No Refunds After 7 Days
After 7 calendar days from the AI credit purchase date, all AI credit purchases are non-refundable, whether or not you have used the credits.

4.5 No Refunds for Generated Content Quality
Because AI-generated content (video, text, images, or otherwise) is produced automatically and is provided “as-is”:

  • We do not provide refunds solely because you are dissatisfied with the style, tone, or quality of a particular AI output,
  • Unless there is a verified technical error or systemic failure on the platform.

5. Courses, Digital Content, and LMS Access

5.1 Paid Course Purchases
WeMillionaires offers paid online courses and other digital learning content through its learning management system (LMS). These purchases may be one-time payments or part of a subscription bundle.

5.2 Refunds Based on Course Consumption (30% Threshold)
You may request a refund for a purchased course or digital learning product if:

  • You make the refund request within 14 calendar days of purchase; and
  • You have consumed less than 30% of the course or digital content, as determined by the platform’s tracking (for example, lessons completed, videos watched, quizzes taken, or similar metrics).

5.3 No Refunds After 30% Consumed
Once the platform indicates that you have consumed 30% or more of any course or digital content:

  • That course purchase is non-refundable,
  • Even if you believe you did not fully watch, read, or engage with certain lessons, or if your account shows partial or interrupted access.

5.4 Bundles and Membership-Included Courses
If a course is:

  • Included within a membership plan (for example, as part of Ascend, Growth, or Founder membership), the membership refund rules in Section 2 apply; or
  • Sold as part of a bundle, WeMillionaires may, at its discretion, treat the bundle as a single purchase and apply the 30% consumption threshold to the overall bundle rather than to individual courses.

6. Chargebacks, Disputes, and Account Termination

6.1 Chargeback Policy
If you dispute a charge directly with your bank or payment provider and initiate a chargeback without first attempting to resolve the issue with WeMillionaires:

  • WeMillionaires reserves the right to dispute the chargeback and provide records to demonstrate that the transaction was valid and authorized,
  • Including logs of access, usage, download history, and IP address records, as permitted by law.

6.2 Effect on Your Account
Filing or winning a chargeback does not automatically entitle you to continue accessing the platform or its services:

  • WeMillionaires may suspend or terminate your account,
  • Revoke access to memberships, listings, AI credits, courses, and other services,
  • And disqualify you from any commission, MLM compensation, or residual income that has not yet been paid out.

6.3 Reinstatement
Any reinstatement of your account after a chargeback will be at WeMillionaires’ sole discretion, and may require:

  • Full repayment of disputed amounts,
  • Payment of any related fees or costs incurred by WeMillionaires, and
  • Agreement to additional verification or security measures.

7. Method and Timing of Refund Payments

7.1 Original Payment Method
Approved refunds will normally be processed back to your original payment method (for example, the same credit card or bank account that was used for the purchase), unless:

  • The payment processor does not support refunds to that method; or
  • The refund window with the payment processor has expired; or
  • WeMillionaires, in its discretion, issues a platform credit instead.

7.2 Processing Time
Once a refund is approved by WeMillionaires:

  • We will generally initiate the refund within 5–10 business days,
  • Actual posting to your account may take longer depending on your bank, credit card issuer, or payment provider.

7.3 Fees, Exchange Rates, and Third-Party Charges
WeMillionaires is not responsible for:

  • Any bank fees, foreign transaction fees, or currency exchange losses resulting from the refund; or
  • Any delays caused by your bank or payment provider.

The refunded amount will not exceed the amount actually paid to WeMillionaires in the original transaction, less any amounts already refunded or credited.

8. How to Request a Refund

8.1 Required Information
To request a refund under this Policy, you must:

  1. Email info@wemillionaires.com from the email address associated with your WeMillionaires account; and
  2. Include the following details:
    • Your full name
    • Your WeMillionaires account email
    • Your order ID or transaction reference number
    • Purchase date and amount
    • The specific product or service (membership tier, listing pack, AI credits, course, or other item)
    • A brief explanation of your refund request and how you believe it fits within this Refund Policy (for example, “within 14 days,” “less than 30% consumption,” “unused AI credits,” etc.)

8.2 Verification and Additional Information
WeMillionaires may require additional information or documentation to verify your identity and transaction, including:

  • Screenshots, receipts, or confirmation emails;
  • Identification documents, where legally permitted;
  • Confirmation that you have deleted or will no longer use any downloaded digital content.

8.3 Our Review and Response
We will review your refund request and respond by email, typically within 7–10 business days of receiving all necessary information. Decisions on refund eligibility will be made in accordance with this Refund Policy and our Terms of Use.

9. MLM Commissions and Residual Income

9.1 Impact of Refunds on Commissions
WeMillionaires operates a commission and residual income system (generally 75% member / 10% upline / 15% platform on qualifying sales). If a member purchase is refunded (in whole or in part):

  • Any associated commissions, bonuses, or residual income may be reversed, offset, or clawed back; and
  • WeMillionaires may deduct such amounts from your future commission payments or other sums owed to you.

9.2 No Commissions on Refunded Transactions
You are not entitled to keep or receive commissions, bonuses, or residual income on transactions that are fully or partially refunded, charged back, or otherwise reversed.

10. Changes to this Refund Policy

10.1 Right to Modify
WeMillionaires may update or modify this Refund Policy at any time. When we do so:

  • We will change the “Effective Date” at the top of this document; and
  • Updated terms will apply to purchases made after the updated Effective Date.

10.2 Continued Use
Your continued use of the WeMillionaires platform after any changes to this Refund Policy constitutes your acceptance of the revised terms for future purchases.

11. Governing Law and Dispute Resolution

11.1 Governing Law
This Refund Policy, and any dispute or claim arising out of or in connection with it, will be governed by and construed in accordance with the laws of the District of Columbia, United States of America, without regard to its conflict of laws principles.

11.2 Forum Selection
You and WeMillionaires agree that any legal suit, action, or proceeding arising out of or related to this Refund Policy or your use of the platform shall be instituted exclusively in the state or federal courts located in the District of Columbia, United States of America.

You hereby irrevocably:

  • Submit to the exclusive jurisdiction of such courts; and
  • Waive any objection based on improper venue or inconvenient forum.

12. Contact Information

If you have any questions about this Refund Policy or believe a refund has not been correctly processed, you may contact:

  • Company: WeMillionaires
  • Address: 3829 Pennsylvania Ave SE, Washington DC 20020, USA
  • Email: info@wemillionaires.com

Please include your full name, account email, and relevant order ID to help us assist you efficiently.