All Programs

This Refund Policy applies to all Programs, products, and services offered by SF HAIR DESIGN INC. (the "Company"), including but not limited to The Private Stylist Playbook, The Atelier, and any future Programs. Please read this policy carefully before enrolling. By enrolling in any Program, you acknowledge that you have read, understood, and agreed to this Refund Policy.

1. All Sales Are Final

This no-refund policy applies to all Programs regardless of:

• Whether you have accessed or used any Program materials.
• Whether you have attended any live sessions, coaching calls, or events.
• Whether you are satisfied with the Program content or delivery.
• Whether you experience any personal, financial, medical, or business circumstances after enrollment.
• Whether you are able to implement the Program material.
• Whether you achieve any specific results from the Program.

2. Why We Do Not Offer Refunds

Our Programs are digital and service-based products. Upon your enrollment, we immediately deliver access to substantial digital content, allocate coaching capacity, reserve your seat in cohort-based programming, and grant access to proprietary materials that cannot be returned. This model requires the Company to make commitments to you at the moment of enrollment that cannot be reversed.

Because of the immediate nature of digital and service delivery, all sales must be final. This policy is clearly disclosed at the point of purchase, within our Terms of Service, and within the enrollment confirmation email sent to every purchaser.

3. Payment Plans and Financing

If you enrolled using a payment plan (such as installment payments) or a third-party financing service (such as Klarna, Affirm, Afterpay, or similar Buy Now Pay Later provider), you remain contractually obligated for the full Program fee regardless of your continued use of the Program.

Payment plan installments and financing payments continue until the full Program fee is paid, even if you elect to stop using the Program. Failure to complete payments may result in collection action and reporting to credit bureaus by the applicable financing service. Financing agreements are governed by the terms of the financing service you selected, in addition to this Refund Policy and our Terms of Service.

4. Chargebacks and Payment Disputes

By accepting this policy at enrollment, you waive any right to seek a chargeback for any Program.

Any attempted chargeback, dispute, or reversal is a material breach of your Program Agreement and this Refund Policy, and will result in:

• Immediate termination of your access to all Company Programs and Services.
• Forfeiture of any remaining coaching sessions, live sessions, or access rights.
• Collection action for the disputed amount plus any associated fees, chargeback penalties, and reasonable attorneys' fees.
• Referral of your account to a collections agency and reporting of the debt to credit reporting bureaus where legally permitted.
• Permanent removal from all Company communities and forfeiture of any customer relationship.

The Company will actively contest any wrongful chargeback with documentation including your acceptance of this Refund Policy, the enrollment record, and your access records.

5. Program Termination by the Company

The Company reserves the right to terminate your enrollment for material breach of the applicable Terms of Service, including but not limited to intellectual property violations, code of conduct violations, or non-payment. Termination by the Company for cause does not entitle you to a refund of any portion of the Program fee.

6. Exceptional Circumstances

In extremely rare and limited circumstances, and solely at the Company's discretion, the Company may consider a credit toward a future Program (not a refund) for documented cases of duplicate purchase or technical error preventing all access to Program materials. Any such credit is entirely discretionary, non-cash, and offered only where the Company determines in its sole judgment that it is appropriate. No such consideration is guaranteed or implied by this section.

7. Contact for Refund-Related Inquiries

While we do not offer refunds, we are always available to answer questions about the Programs and to support you in getting the most out of your investment. Please contact us at:

Acknowledgment