Digital Product Refund & Final Sale Policy
Effective Date: October 3, 2026
Apex Funding Network LLC ("Apex," "we," "us," or "our") provides digital educational resources for business credit awareness, funding readiness, business organization, and related business education.
This policy explains when digital-product purchases are final, when Apex will correct a verified problem, and how customers can contact us for assistance.
At a Glance
Apex digital products are delivered electronically through download links, email, customer portals, course areas, membership areas, account dashboards, or similar electronic methods.
Sales are final after the purchased digital product has been delivered or made available for access, except for verified billing or delivery errors and where applicable law requires otherwise.
Apex products are educational resources. They do not guarantee financing, business-credit approval, lender approval, a particular credit score, credit limit, interest rate, funding amount, or other business or financial outcome.
If you believe there is a billing, delivery, or access problem, contact [email protected]. Apex will make reasonable efforts to investigate and correct verified issues.
By completing a purchase, you acknowledge that you have reviewed the applicable product description, price, delivery method, and this policy before payment.
Because digital products can be viewed, saved, downloaded, copied, or otherwise retained after access has been provided, the following policy applies.
1 : Digital Product Sales Are Final After Delivery
All sales of Apex digital products are final once the purchased digital product has been delivered or made available for access, except for the specific circumstances described in this policy or where otherwise required by applicable law.
What "delivery" or "access" means
A digital product is considered delivered, or access is considered provided, when Apex has made the purchased product available through a download link, customer portal, course area, membership area, account dashboard, access email, or another electronic delivery method associated with the order.
Delivery may be supported by order records, access emails, portal records, course or membership records, download records, or other reasonable evidence. No single type of record is automatically treated as conclusive.
Apex does not provide refunds solely because a customer:
Changes their mind after purchasing
Decides they no longer want or need the product
Does not use or complete the product
Fails to download or review the product after access has been provided
Expected information or results beyond what was described on the applicable product page
Already knew some or all of the information contained in the educational materials
Does not achieve a particular business, credit, funding, financial, or other result
Apex does not provide a general "use it and return it," trial, or change-of-mind refund period after digital access has been provided.
2 : Products Covered by This Policy
This policy applies to digital products sold directly by Apex Funding Network LLC, including, where applicable:
The $27 Funding Readiness Toolkit
The $97 Apex Business Credit & Funding Blueprint
The $70 private Blueprint upgrade available to qualifying Toolkit customers
Workbooks, checklists, worksheets, templates, action plans, comparison tools, guides, downloadable educational materials, customer-portal educational content, and other Apex digital educational products unless different terms are expressly presented before purchase
Services and Recurring Memberships
This Digital Product Refund & Final Sale Policy does not automatically govern recurring Apex memberships or subscriptions, coaching programs, group or cohort programs, one-to-one consulting, done-for-you or implementation services, services involving a customer's personal or business financial documents, or third-party funding referral or application-support arrangements.
Those products or services may be governed by separate written refund, cancellation, subscription, or service terms presented before purchase or enrollment.
3 : When Apex Will Make It Right
A final-sale policy does not mean Apex ignores legitimate customer problems. If Apex makes a verified billing or delivery mistake, we will work to correct it.
Duplicate Charges
If Apex or its payment system accidentally processes the same authorized purchase more than once, Apex will investigate and refund any verified duplicate charge.
Incorrect Amount Charged
If a customer is charged an amount different from the amount authorized at checkout, Apex will investigate and correct any verified billing error.
Wrong Product Delivered
If Apex provides a digital product materially different from the product identified in the customer's completed order, Apex will provide the correct product. If Apex cannot reasonably correct a verified delivery error, an appropriate refund may be issued.
Failure to Provide Purchased Access
If payment is successfully completed but Apex fails to provide access to the purchased product, the customer should contact Apex. Apex will first make a reasonable effort to provide or restore access. If Apex cannot provide the product purchased within a reasonable period after being notified of a verified problem, an appropriate refund may be issued.
Response and Correction Targets
Apex will generally attempt to acknowledge a reported issue within three business days and, when reasonably possible, restore or provide access within five business days after verifying the issue. Fraud reviews, payment reversals, third-party service outages, or incomplete customer information may require additional time.
Rights Required by Law
Nothing in this policy eliminates a refund, cancellation, dispute, or other consumer right that cannot lawfully be waived. Where applicable law requires a different remedy, applicable law controls.
4 : Technical Problems
A technical problem does not automatically require a refund when the problem can reasonably be corrected. Examples include broken download links, login problems, missing access emails, course or customer-portal access problems, file-delivery problems, and similar technical issues.
Customers experiencing an access problem should contact [email protected]. Customer support is handled on business days, Monday through Friday, 9:00 AM to 5:00 PM Central Time.
Apex will make a reasonable effort to correct verified technical or access problems.
5 : Funding Readiness Toolkit Purchases
The $27 Funding Readiness Toolkit is a standalone Apex digital educational product. It is subject to the final-sale rule in Section 1 and the exceptions described in this policy.
6 : Private Blueprint Upgrade
A customer who successfully purchases the $27 Funding Readiness Toolkit may be eligible for a private upgrade to the $97 Apex Business Credit & Funding Blueprint.
The Toolkit purchase provides a $27 credit toward the $97 Blueprint, leaving a $70 upgrade price for an eligible verified Toolkit purchaser.
The $27 credit is available only to verified Toolkit purchasers, is not a cash refund, is not a public coupon, is not transferable, and does not change the final-sale status of the original Toolkit purchase.
Once Blueprint access has been provided following the $70 upgrade purchase, the upgrade purchase is subject to the final-sale rule and exceptions in this policy.
7 : Direct Blueprint Purchases
The $97 Apex Business Credit & Funding Blueprint is an Apex digital educational product. Whether purchased directly for $97 or obtained through the private $70 upgrade after a qualifying $27 Toolkit purchase, Blueprint purchases are subject to this policy.
8 : No Guaranteed Results
Apex products provide educational information and organizational resources. Apex does not guarantee business-credit approval, a particular business credit score or rating, a particular credit limit, financing or funding, a particular funding amount, approval by a lender, creditor, vendor, financial institution, or other third party, a particular interest rate, repayment term, or financing condition, increased revenue, income, profits, or business value, or any particular business or financial outcome.
Credit and funding decisions are made by independent third parties according to their own requirements. Failure to obtain financing, business credit, revenue, or another desired result does not, by itself, mean an Apex product was defective and does not create a right to a refund.
Please also review the Apex Funding Disclaimer.
9 : Payment Disputes and Chargebacks
Customers experiencing a billing, delivery, or access problem are encouraged to contact Apex first at [email protected]. This gives Apex an opportunity to investigate and resolve legitimate problems.
If a customer initiates a payment dispute or chargeback, Apex may provide the applicable payment processor, card network, financial institution, or authorized dispute-resolution provider with relevant records concerning the transaction, including where available order and transaction information, product and price, checkout records, acceptance of purchase terms, digital-delivery records, access emails, customer-portal/course/membership access records, login/access/download records, and communications concerning the transaction.
If payment for a digital product is refunded, reversed, charged back, or otherwise invalidated, Apex may suspend or terminate access to the associated digital product where permitted by applicable law.
Nothing in this section prevents or discourages a customer from exercising a lawful payment-dispute or consumer-protection right.
10 : Fraud and Unauthorized Use
Apex reserves its rights and remedies under applicable law regarding fraudulent transactions, unauthorized account use, unauthorized reproduction or distribution of Apex materials, intellectual-property infringement, and other unlawful conduct.
A legitimate good-faith customer complaint, refund request, or lawful payment dispute will not, by itself, be treated as fraud.
11 : Intellectual Property and Access
Purchasing an Apex digital product does not transfer ownership of Apex intellectual property. Unless Apex expressly provides otherwise in writing, Apex digital materials are licensed to the purchaser for authorized personal or internal business educational use.
Apex materials may not be reproduced, resold, redistributed, published, shared, sublicensed, or commercially exploited without authorization. Account credentials, portal access, course access, download links, and product files may not be transferred, resold, or used to provide unauthorized access to others.
The intellectual-property and license provisions in the Apex Terms of Service also apply.
12 : Customer Responsibility Before Purchasing
Customers should review the applicable product description, included materials, price, delivery method, and refund terms before completing a purchase. Questions about what a product includes should be directed to Apex before purchasing.
13 : Reporting a Billing, Delivery, or Access Problem
Contact [email protected] and provide enough information for Apex to identify and investigate the transaction, including where available the purchaser's name, email address used for the purchase, product purchased, order or transaction information, and a description of the problem.
Apex will normally attempt to respond within three business days.
Approved Refunds
If Apex determines that a refund is appropriate under this policy, Apex will submit the refund to the original payment method within five business days after approval. The customer's bank, card issuer, or payment provider may require additional time to post the refund.
14 : Changes to This Policy
Apex may update this policy periodically. The current version and effective date will be published on the applicable Apex policy page.
For a completed purchase, Apex will generally apply the version of the policy presented in connection with that transaction unless applicable law requires otherwise.
15 : Applicable Law
This policy operates subject to applicable federal, state, and local law. Nothing in this policy is intended to waive, restrict, or eliminate a right or remedy that cannot legally be waived. If a provision conflicts with a mandatory legal requirement, the applicable requirement controls to the extent of that conflict.
16 : Accessibility
Customers experiencing difficulty accessing this policy or a purchased product because of a disability or accessibility issue may contact [email protected]. Apex will make reasonable efforts to provide appropriate assistance.
Apex Funding Network LLC provides general educational and organizational information. Apex is not a lender and does not make credit or funding decisions. These materials are not legal, tax, accounting, investment, credit-repair or individualized financial advice. Business credit and financing outcomes vary. Third-party providers independently determine eligibility, underwriting, reporting, pricing, approval and terms. No funding, approval, credit score, tradeline, amount, rate or outcome is guaranteed.
© 2026 Apex Funding Network LLC. All Rights Reserved.