Refund & Cancellation Policy

At Guardian Financial Experts, customer satisfaction, ethical conduct, and transparency are paramount. This policy outlines our cancellation and refund framework for paid advisory consulting engagements.

1. Initial Evaluation Phase

The initial debt evaluation, consultation, and portfolio analysis provided prior to entering a formal client agreement are completely free of charge. No fees are collected during this preliminary stage.

2. Cancellation During Cooling-Off Period

Upon enrolling into an advisory engagement, clients are entitled to a 7-day cooling-off window. If a client decides to discontinue prior to the initiation of formal bank petition filings, they may request a refund of unutilized retainer fees.

3. Milestone-Based Services

Once our legal and resolution team has commenced formal Bilateral Hardship Notices, Bank Nodal escalations, or legal replies on your behalf, professional retainer fees corresponding to delivered services become non-refundable as they cover direct legal labor and drafting hours.

4. Refund Processing

Approved refunds are remitted within 7 to 10 business days directly to the original bank account or source payment method utilized during the initial transaction.