At IKA Enterprise LLC, we are committed to your satisfaction and want you to feel confident in your decision to work with us. This policy outlines your rights to cancel services and request refunds.
Your Right to Cancel
Three-Day Cancellation Period
You have the right to cancel your contract with us without penalty or obligation within three (3) business days from the date you sign the agreement.
This right applies to all services, including:
Credit repair services
Credit stacking programs
Business loan brokerage services
Consultation packages
Digital products and courses
How to Cancel
To exercise your cancellation right, you must send a written notice of cancellation to:
IKA Enterprise LLC
500 Marquette Ave Suit 1200-A, Albuquerque NM 87102
Email: [email protected]
Your cancellation notice should include:
Your full name
Date of service agreement
Service(s) purchased
Clear statement that you wish to cancel
Signature (for mailed notices)
Cancellation Effective Date
Your cancellation is effective as of the date we receive your written notice, provided it is within the three (3) business day window.
Business days are defined as Monday through Friday, excluding federal holidays.
Refund Policy
Full Refund - Three-Day Cancellation Period
If you cancel within the three-day cancellation period, you are entitled to a full refund of any payments made.
Refunds will be processed within:
5-7 business days for credit card payments
7-10 business days for bank transfers
Refunds will be issued to the original payment method used for purchase.
After the Three-Day Cancellation Period
Services Not Yet Started
If you wish to cancel after the three-day period but before any services have been performed, you may be eligible for a partial refund minus:
Administrative fees (if applicable)
Any third-party costs already incurred
Setup or onboarding fees (if applicable)
Services Partially Completed
If services have been partially performed:
You will be charged only for the work completed
Remaining funds may be refunded on a prorated basis
A detailed breakdown of services rendered will be provided
Services Fully Completed
No refunds are available if services have been fully performed and completed, and the three-day cancellation period has passed.
This includes:
Completed credit report analyses
Lender introductions already made
Consultations already held
Digital products already accessed
Dispute letters already submitted
Services already rendered
Service-Specific Cancellation Terms
Credit Repair Services
CROA Compliance
In full compliance with the Credit Repair Organizations Act (CROA):
You have a mandatory three (3) business day right to cancel without penalty
We provide a Notice of Cancellation form with every credit repair contract
No advance fees: Payment is only collected after services have been rendered
Ongoing Credit Repair Services
For month-to-month credit repair services:
You may cancel at any time with written notice
Cancellation takes effect at the end of the current billing period
No refund for the current month's services already rendered
No early termination fees
Credit Stacking Programs
Three-day cancellation right applies with full refund
After three days, refunds are prorated based on:
Consultations completed
Credit analyses performed
Lender applications submitted
Resources and materials provided
Business Loan Brokerage Services
Three-day cancellation right applies with full refund
After lender introductions are made, brokerage fees are generally non-refundable
If no lenders have been contacted, partial refunds may be available
Success fees (if applicable) are only charged upon successful funding
Consultation Services
Three-day cancellation right applies with full refund
Individual consultations already held are non-refundable
Unused consultations within package may be refunded on prorated basis
Must request cancellation before scheduling next consultation
Digital Products and Courses
Three-day cancellation right applies with full refund
After three days, if content has been accessed, generally non-refundable
If no content has been accessed, may be eligible for refund
Lifetime access products cannot be refunded once extensively used
Exceptional Circumstances
Case-by-Case Review
We understand that unforeseen situations may arise. Refund requests outside of the standard policy will be reviewed on a case-by-case basis.
Circumstances that may warrant special consideration include:
Medical emergencies
Significant life events
Service delivery issues or delays on our part
Dissatisfaction due to misrepresented services
How to Request Special Consideration
Please contact our support team at: Email: [email protected]
Subject Line: "Refund Request - Special Circumstances"
Include:
Your account information
Reason for refund request
Supporting documentation (if applicable)
Preferred resolution
We will review your request and respond within 5-7 business days.
Appointment Cancellations and Rescheduling
Scheduled Consultations and Calls
24-hour notice required for cancellations or rescheduling
Cancellations with less than 24-hour notice may result in forfeiture of that session
No-shows without prior notice will be charged as a completed session
Rescheduling is permitted based on availability
How to Cancel or Reschedule Appointments
Contact us as soon as possible:
Email: [email protected]
Include your appointment date and time
Provide reason for cancellation (optional)
Request alternative dates if rescheduling
Compliance with Consumer Protection Laws
Credit Repair Organizations Act (CROA)
IKA Enterprise LLC fully complies with CROA regulations:
No Advance Fees
We do not charge advance fees for credit repair services
Payment is only collected after services have been rendered
Other services (consultation, credit stacking, loan brokerage) may require advance payment
Truthful Representation
We do not make false or misleading statements about our services
As prohibited by CROA and enforced by the Federal Trade Commission (FTC)
All service descriptions are accurate and realistic
Written Contracts
All agreements are provided in writing
Contracts detail the services to be performed
Payment terms are clearly outlined
Your rights are explicitly stated, including the right to cancel
Your Consumer Rights
You have the right to:
Cancel within three business days without penalty
Sue us for violations of the Credit Repair Organizations Act
Dispute inaccurate information directly with credit bureaus at no cost
Receive all services before payment (for credit repair services only)
Non-Refundable Items and Services
The following are generally non-refundable after the three-day cancellation period:
Services Already Rendered
Completed consultations
Credit reports already pulled
Lender introductions already made
Dispute letters already submitted
Analyses already performed
Third-Party Costs
Credit report fees paid to bureaus
Third-party service fees
Processing fees charged by external providers
Administrative Fees
Setup fees (if disclosed at time of purchase)
Payment processing fees
Account establishment fees
Processing Refunds
Timeline
Refund requests are processed within 5-7 business days of approval
Credit card refunds appear within 5-10 business days
Bank transfer refunds may take 7-14 business days
Refund Method
Refunds are issued to the original payment method
If original payment method is unavailable, alternative arrangements will be made
Partial refunds will be calculated based on services completed
Notification
You will receive email confirmation when your refund is processed
You will receive a breakdown of any deductions (if applicable)
Contact us if you don't receive your refund within the stated timeframe
Disputes and Complaints
Resolution Process
If you are dissatisfied with our services or have a complaint:
Contact Us First: Reach out to [email protected]
Explain Your Concern: Provide details about your issue
Allow Resolution Time: We will respond within 3-5 business days
Escalate if Needed: Request manager review if initial response is unsatisfactory
Legal Rights
You retain all legal rights under:
Credit Repair Organizations Act (CROA)
Federal Trade Commission Act
State consumer protection laws
NM consumer protection statutes
Modifications to This Policy
IKA Enterprise LLC reserves the right to modify this Cancellation & Refund Policy at any time. Changes will:
Be posted on our website and communications
Be sent via email to active clients for material changes
Not affect contracts already in place unless mutually agreed
Contact Information
For cancellation requests, refund inquiries, or questions about this policy:
IKA Enterprise LLC
500 Marquette Ave Suit 1200-A, Albuquerque NM 87102
Email: [email protected]
Business Hours:
Monday - Friday: 9:00 AM - 6:00 PM EST
Saturday: By Appointment
Sunday: Closed
Important Notice: This Cancellation & Refund Policy is part of our Terms of Service and should be read in conjunction with our Privacy Policy and Fulfillment Policy. Your rights under this policy are in addition to any rights you may have under applicable consumer protection laws.