Last Updated: 12/07/2025
Thank you for purchasing from Stidham Sr Credit Expert, operated by Stidham LLC.
We strive to provide high-quality credit education materials that help you make informed financial decisions.
Because all products are digital and instantly delivered, the following refund terms apply.
1. All Sales Are Final
Due to the nature of digital products, all purchases are final and non-refundable.
Once a file is downloaded or accessed, ownership is considered transferred, and refunds cannot be issued.
This policy aligns with industry standards and the requirements of:
- Payhip
- Gumroad
- Stripe
- PayPal
- FTC guidelines for digital goods
2. Instant Delivery
All products — including Stidham’s 30-Day Credit Fix Formula — are delivered immediately after purchase.
If you did not receive your download link:
✔ Check your email spam folder
✔ Ensure you entered the correct email address
✔ Contact us and we will resend the download link
Receiving the product does not qualify for a refund.
3. Duplicate Purchases
If you accidentally purchased the same product more than once:
Email us at info@stidhamllc.com within 7 days and we will verify the duplication and resolve it appropriately.
4. Technical Issues
If you experience a technical problem accessing your digital file:
We will assist you in re-delivering the product or providing alternate formats when possible.
Technical issues do not qualify for refunds, but we will ensure you receive the product you paid for.
5. Unauthorized Purchases
We cannot provide refunds for:
- Purchases made by family members
- Purchases made by employees
- Purchases made using your payment method without permission
Please contact your bank or payment provider for unauthorized charge disputes.
6. Chargebacks
Filing a chargeback after receiving a digital product constitutes a breach of these Terms.
We reserve the right to:
- Challenge the chargeback with full documentation
- Block your account from future purchases
- Report fraudulent activity where applicable
7. Contact Us
If you have questions about this Refund Policy or need help accessing your purchase, contact:
Stidham LLC
Email: info@stidhamllc.com
Website: stidhamsrcreditexpert.com
We will respond within 48 hours.