Refund policy

Return & Refund Policy

Effective Date: June 27, 2026

1. Final-Sale Nature of Our Products

All products sold by Divine Insurance Group LLC ("Divine," "we," "us," or "our") are professional consulting services and proprietary digital deliverables. There are no physical goods, no returns, and no exchanges.

By completing checkout, you acknowledge and agree that:

You are purchasing access to a time-limited consulting engagement and to proprietary intellectual property that cannot be "returned" once delivered.
Once Divine has performed any portion of the consulting service or delivered any portion of the work product (including but not limited to scheduling resources, conducting pre-call research, holding the consultation, or transmitting any written deliverable), the sale is final.
The fees charged reflect Divine's expertise, time, scheduling commitment, and the proprietary frameworks delivered — not a refundable retainer.

2. Strict No-Refund Categories

The following are NON-REFUNDABLE under all circumstances:

Strategy sessions, consulting calls, or coaching sessions that have been delivered, in whole or in part
Capital Readiness Roadmaps and any written deliverable that has been transmitted to the client
Implementation programs and multi-session programs after the first scheduled session has occurred
Free products and lead-magnet downloads (no payment was rendered)
Net-30 invoiced services after the consulting service has been performed
Services where the client failed to attend, complete the intake form, or provide the information Divine reasonably requires to deliver the engagement
Discounted, promotional, or coupon-purchased orders, except where required by applicable law

3. Narrow Cancellation Window (Single-Session Products)

For the $299 Strategy Session and similar single-session products, the only circumstance under which Divine will issue a refund is:

Client cancellation submitted in writing to info@divineinsurancegroup.com at least 48 hours before the scheduled call, AND
No pre-call research, scheduling resources, or other deliverable has been provided.

In that narrow circumstance, Divine will, at its sole discretion, either:

Issue one free reschedule (preferred), OR
Refund the purchase less a $49 administrative and processing fee to cover payment processing costs, scheduling labor, and onboarding work already performed.

Cancellations within 48 hours of the scheduled call are not eligible for refund. Divine may, at its sole discretion, offer a one-time reschedule, but is under no obligation to do so. No-shows forfeit the entire purchase.

4. Multi-Session Programs (90-Day Implementation, 6-Month Capital Stack)

For the $899 Strategy + 90-Day Implementation program and the $2,499 Done-With-You 6-Month Capital Stack program:

Within 72 hours of purchase AND before the first scheduled session, the client may cancel in writing and receive a refund less a $149 administrative fee and any costs already incurred by Divine (including bureau pulls, vendor introductions, or third-party data services).
After the first session has been delivered, the program becomes fully non-refundable. The remaining sessions, deliverables, and access continue per the original program terms; the client may use them or forfeit them at the client's election.
Pause requests: A client in good standing may request a one-time pause of up to 30 days, granted at Divine's sole discretion. Pauses do not extend the total program calendar window beyond an additional 30 days.

5. Net-30 Invoiced Services

If you have opted into Net-30 invoicing on an eligible product:

Cancellations prior to delivery of the consulting service: invoice will be voided.
Cancellations after the consulting service has been delivered: the invoice remains due in full per the original payment terms. Non-payment may result in collection activity, reporting to commercial credit bureaus including Dun & Bradstreet, Experian Business, and Equifax Business, and assessment of late fees of up to 1.5% per month, the maximum allowed by Pennsylvania law.

6. Chargeback Policy

Filing a chargeback or payment dispute on a service that has been delivered constitutes a material breach of these terms. Divine reserves the right to:

Contest the chargeback with full documentation of services rendered, including call recordings (where applicable and with prior notice), delivered work product, and timestamped email correspondence;
Recover all costs of contesting the dispute, including reasonable attorney's fees and a $50 chargeback handling fee, as permitted by applicable law;
Report unpaid amounts to commercial credit bureaus and refer the matter to collections;
Permanently terminate any further service relationship with the disputing party.

Before initiating a chargeback, you agree to first contact Divine in writing at info@divineinsurancegroup.com and allow Divine fourteen (14) business days to investigate and respond. Failure to do so will be cited as evidence of bad-faith dispute filing.

7. Limitation of Refund Amount

Where any refund is issued under this policy, the maximum refund amount is strictly limited to the amount actually paid by the client for the specific product giving rise to the refund, less applicable administrative fees, processing fees, and the value of services already rendered (calculated at Divine's standard consulting rate of $350 per hour). Divine is not liable for any indirect, consequential, incidental, or punitive damages.

8. No Guaranteed Outcomes

Divine's consulting services are advisory in nature. The client acknowledges that:

Divine does not guarantee any specific funding amount, loan approval, credit score change, tradeline placement, or business outcome;
Dissatisfaction with third-party lender decisions, bureau actions, vendor responses, or market conditions does not constitute grounds for refund;
The value of Divine's deliverable is the analysis, strategy, framework, and expertise provided, not any particular downstream result.

9. Force Majeure (Divine-Initiated Cancellation)

In the rare event Divine is unable to deliver a purchased service due to circumstances within Divine's control (e.g., schedule conflict that cannot be resolved through reasonable rescheduling), Divine will refund the full purchase price. Divine is not liable for delays caused by client unavailability, force-majeure events, technical issues outside Divine's control, or third-party service disruptions.

10. How to Request a Refund (Where Eligible)

All refund requests must be submitted in writing to info@divineinsurancegroup.com with:

Order number
Date of purchase
Product purchased
Specific reason for the request

Eligible refunds are processed within 10 business days of approval and returned to the original payment method. Divine will not refund to a different account, card, or payee.

11. Governing Law and Acceptance

This Return & Refund Policy is governed by the laws of the Commonwealth of Pennsylvania and is enforceable in the state and federal courts of Philadelphia County, Pennsylvania. By completing checkout, you affirmatively accept these terms. If any provision is held unenforceable, the remaining provisions remain in full force.