Real Impact — Refund Policy

Default: NO REFUNDS. Most Real Impact Offerings are non-refundable. Refund eligibility is the narrow exception.

This Refund Policy applies to all purchases of Real Impact products, services, and programs (the "Offerings"). It is incorporated by reference into the Real Impact Terms of Service at realimpacthq.com/terms and into any per-Offering Enrollment Agreement.

Please read this policy carefully before completing any purchase.

1. Refund-Eligible Offerings

An Offering is eligible for a refund only if ALL THREE of the following conditions are met:

(a) Client paid the full price up-front at standard pricing (no custom payment plan, no negotiated installments, no "make-it-work" financing);

(b) The Offering is evergreen — meaning it has no time-bound cohort, live event, bootcamp, or scheduled live workshop component;

(c) The Offering includes no personal time commitment from Tim Wilkinson — meaning no 1:1 mentoring, no recording review, no per-Client live sessions, and no per-Client email / chat / Slack / Telegram support.

Examples of refund-eligible Offerings:

• A self-paced video course at standard pricing with no live component
• A digital lead-magnet pack
• A self-paced workbook

Refund window for refund-eligible Offerings: Thirty (30) days from the date of purchase. Within that window, Client may request a refund by emailing tim@realimpacthq.com. Refund-eligible refunds will be processed within fourteen (14) business days, less any direct third-party costs Real Impact incurred (processor fees, third-party software licenses provisioned to Client).

After the 30-day window, even refund-eligible Offerings become non-refundable.

2. Non-Refundable Offerings

If any one of the three conditions in Section 1 fails, the Offering is non-refundable.

Examples of non-refundable Offerings:

• Any cohort-based program (e.g., Gutsy Closer Cohort, Triennial Partner) — fails (b) time-bound, and (c) Tim time
• Any 1:1 mentoring engagement — fails (c)
• Any custom-financed deal (installments, deposit + balance, custom schedule) — fails (a) custom payment plan
• Any high-ticket build, system delivery, or done-with-you engagement — fails (b) and (c)
• Any seat in a live bootcamp, live workshop, or live event — fails (b)

Why non-refundable:

(a) Custom payment plans transfer credit risk to Real Impact. When Real Impact accepts installments or deposits to make an Offering accessible to Client, Real Impact is carrying receivables and credit risk. Refunding those fees post-facto transfers that risk back to Real Impact after Real Impact has already absorbed it.

(b) Time-bound Offerings reserve capacity. When Client enrolls in a cohort or live event, Real Impact reserves a seat that another paying enrollee could have filled. Refunding a seat that someone else could have filled is a non-recoverable opportunity cost.

(c) Tim Wilkinson's time, once spent, cannot be unspent. When an Offering includes 1:1 mentoring, recording review, live sessions, or per-Client support, Tim Wilkinson is investing irreplaceable personal time. Refunding fees against time already delivered transfers Tim's labor into pure cost.

3. The Single Permitted Exception — Provider Material Non-Delivery

Non-refundable Offerings carry one refund pathway: if Real Impact materially fails to deliver what was promised, and does not cure within thirty (30) days of Client's written notice, Client is entitled to a pro-rata refund of the un-delivered portion.

This is a fairness floor, not a satisfaction guarantee. It applies only when:

(a) Real Impact cancels the program, cohort, or event without offering an equivalent make-up; (b) Real Impact terminates the engagement for reasons other than Client's breach of the per-Offering Enrollment Agreement or these Terms; (c) A material component of the promised deliverable simply does not exist, or never gets delivered.

This exception does NOT apply to:

• Client changing Client's mind
• Client no longer being able to attend
• Client's dissatisfaction with content, pace, Tim Wilkinson's style, or any other aesthetic / preferential reason
• Client's financial hardship after enrollment
• Client's circumstances changing after enrollment (job change, family event, etc.)
• Any other buyer's-remorse scenario

To invoke this exception: Client must email tim@realimpacthq.com with a clear written description of the alleged non-delivery, the specific deliverable Client believes was not provided, and the specific evidence supporting the claim. Real Impact has thirty (30) days to cure (deliver, offer equivalent make-up, or otherwise resolve). If not cured within thirty (30) days, the pro-rata refund of the un-delivered portion is processed within fourteen (14) business days of the cure-period expiration.

4. Chargebacks

Client agrees to contact Real Impact at tim@realimpacthq.com before initiating a chargeback or payment dispute with Client's credit card issuer or bank. Real Impact will respond to billing concerns in good faith within seven (7) business days.

Chargebacks initiated without first contacting Real Impact and providing Real Impact a reasonable opportunity to resolve the dispute may result in:

• Termination of Client's enrollment without further refund
• Acceleration of any unpaid balance under Client's per-Offering Enrollment Agreement
• Collection action for the full Total Fee

Real Impact will dispute frivolous chargebacks vigorously with the payment processor.

5. Why This Policy

Real Impact's pricing reflects the credit risk Real Impact accepts on installment-based deals, the opportunity cost of capacity-limited live programs, and the irreplaceable nature of Tim Wilkinson's personal time. The non-refundable default exists so that Real Impact can offer accessible payment plans, run intimate live cohorts, and provide direct 1:1 mentoring without exposing those offerings to buyer's-remorse refund risk.

The Provider material-non-delivery exception in Section 3 exists so that Client is protected against the legitimate failure mode — Real Impact failing to deliver — without exposing Real Impact to the buyer's-remorse failure mode.

This is a principle-based policy. Real Impact stands behind it. If you are not comfortable with these terms, please do not complete the purchase.

6. Questions

For questions about this Refund Policy or to invoke the Section 3 exception, contact:

Tim Wilkinson Real Impact tim@realimpacthq.com Tarrant County, Texas