Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy governs all payments made to Lobscare, operating under the DBA ABHCC (“Company,” “we,” “our,” or “us”), for consulting services, healthcare business setup guidance, licensing support, compliance consulting, and related professional services.

By purchasing or using our services, the Client acknowledges that they have read, understood, and agreed to this Refund & Cancellation Policy, which forms part of the Master Service Agreement.

2. Nature of Services

Lobscare (ABHCC) provides professional consulting and advisory services including:

• Healthcare agency setup and structuring guidance
• State licensing application assistance
• Medicaid, Medicare, and VA-related compliance consulting
• Policy and procedure development
• Operational and business advisory services

All services are advisory in nature and require Client participation and approval from external regulatory authorities.

3. Strictly Non-Refundable Policy

All payments made to Lobscare (ABHCC) are strictly non-refundable once processed.

This includes, but is not limited to:

• Consultation fees
• Service packages
• Setup or advisory fees
• Partial or full service payments
• Retainer or installment payments

No refunds will be issued under any circumstances, including:

• Change of mind or cancellation by Client
• Failure to obtain licenses or approvals from government authorities
• Delay or rejection by regulatory agencies
• Client inability to complete required documentation
• Business closure or discontinuation of services
• Misunderstanding of service scope after payment

Once payment is made and services are initiated, the payment is considered fully earned.

4. Service Activation

Services are considered officially initiated when any of the following occur:

• Payment confirmation is received
• Client onboarding begins
• Consultation session is scheduled or conducted
• Documentation or application work has started

After service activation, all payments become non-refundable.

5. Third-Party Payments

The Client acknowledges responsibility for all third-party costs, including:

• State licensing fees
• Insurance costs
• Background checks and fingerprinting
• Legal or accounting services
• Government filing fees
• Training or certification expenses

These payments are made directly to external entities and are not refundable through Lobscare (ABHCC).

6. Cancellation Policy

6.1 Client Cancellation

If the Client chooses to cancel services:

• All payments already made remain non-refundable
• No partial refunds will be issued
• Any completed work prior to cancellation remains billable

6.2 Company Termination

The Company may terminate services if:

• Payment failure or default occurs
• Fraudulent or false information is provided
• Client violates agreement terms
• Abuse or misuse of services occurs

In such cases, all payments remain non-refundable.

7. No Guarantee Clause

The Client acknowledges that:

• No guarantee is provided for licensing approval
• No guarantee is provided for revenue, profit, or business success
• Regulatory decisions are controlled by third-party authorities
• Outcomes depend on Client compliance and external agencies

Refunds will not be issued based on outcomes or results.

8. Chargebacks and Payment Disputes

The Client agrees not to initiate chargebacks after service commencement.

If a dispute arises:

• Client must contact the Company directly first
• All documentation may be provided to payment processors as proof of service
• Unauthorized chargebacks may result in service termination and legal action

9. Limited Refund Exceptions

Refunds may ONLY be issued in the following rare cases:

• Duplicate payment due to technical error
• Verified accidental overpayment
• Fraudulent transaction confirmed by financial review

Approved refunds will be processed after internal verification.

10. Refund Processing (If Approved)

If a refund is approved:

• Processing time: 7–14 business days
• Refunds issued to original payment method
• Transaction or processing fees may be deducted

11. Client Acknowledgement

By making payment, the Client confirms that:

• They fully understand this Refund Policy
• They accept all payments are non-refundable
• They understand risks associated with regulatory outcomes
• They waive rights to refund claims based on service performance or results

12. Governing Agreement

This Refund Policy forms part of the Master Consultation & Services Agreement between:

Lobscare (DBA: ABHCC — America Best Health Care Consulting)

and

The Client

In case of conflict, the Master Agreement shall prevail.