Refund Policy

Version: v1 Effective Date: 2026-05-25

This Refund Policy explains how Freeman Filing LLC ("Freeman Filing", "we", "us") handles refund requests, what happens when you dispute a charge with your bank or card network, and how our chargeback defense process works.

1. What You Bought

The Freeman Filing service is sold as a one-year contract for three hundred fifty US dollars ($350.00 per year), collected through PayBright as twelve monthly installments of $29.16. The contract covers preparation, signature collection, transmission, and follow-up of your Medicaid, SNAP, and cash-assistance applications and renewals for the contract year.

Because each monthly installment is collected through PayBright as a "Buy Now, Pay Later" arrangement, your statutory and contractual rights against PayBright (the lender) for any specific monthly charge are unaffected by this policy. This policy describes how Freeman Filing handles refund requests and disputes for the underlying service.

2. Freeman Filing Does Not Issue Refunds

Freeman Filing does not issue refunds. Payments collected through PayBright are not refundable by us once the service has begun. We do not initiate refund returns on our side and do not maintain a refund-request workflow.

If you no longer want the service, you can stop future installments at any time through your account at /subscription/cancel or by messaging us on Facebook Messenger. Stopping future installments halts the remaining payment schedule. Installments already paid are retained as consideration for the work already performed and the one-year program access that has already been granted.

3. Disputes Go Through Your Card Issuer

If you believe a charge is wrong, the path is your card issuer's dispute process — not a refund request to us. Your card issuer routes the dispute through PayBright (the lender), and PayBright runs its own chargeback process. We respond to that process with the evidence described in Section 5 below.

You retain every chargeback right granted to you by your card network and by federal law, including the Fair Credit Billing Act for credit cards, where applicable. Nothing in this policy waives or limits those rights. You may file a chargeback through your bank or card network for any installment you believe was wrongly charged. We will not retaliate against your account for doing so.

We prefer that you message us first on Facebook Messenger at facebook.com/freemanfiling before filing a chargeback so we can explain what happened and, where appropriate, document the situation in your file. But going straight to a chargeback is your right.

4. Nonpayment

If your card stops working — declined, expired, closed, insufficient funds — your account enters a passive grace period. We do not threaten, accelerate, or assess collection fees. Your subscription remains in our system, and after the standard grace period defined in the Terms of Service runs, your card is no longer attempted. If your state coverage is affected as a downstream consequence of that nonpayment, that is governed by the state agency's own process and timeline, not by us.

5. Our Chargeback Defense Process

When a chargeback is filed against us, we respond. This is important to know so you understand the result you may see in your card-network dispute portal. Our defense is built in eight layers, each producing documented evidence:

1. Identity layer. We verify that the account holder, the cardholder, and the person who actually used the service are the same human, using account login records, IP addresses, and device fingerprints.
2. Consent layer. We produce the exact version of these Terms, this Refund Policy, and the Notice of Privacy Practices that you accepted at signup, together with the timestamp and a cryptographic hash that lets the card network confirm we have not edited the text after the fact.
3. Service layer. We produce the application that was prepared, the documents we collected, the triple-check audit log, the date and confirmation number of any state filing we transmitted on your behalf, and a record of the bot and human work hours spent on your case.
4. Communication layer. We produce the relevant Messenger transcript showing what you asked for, what we said, and how the issue was handled.
5. Payment layer. We produce PayBright's record of the installment, the authorization, and any prior charges on the same instrument that succeeded without dispute.
6. Pattern layer. We compare the disputed transaction against known fraud patterns (rapid signup, mismatched geo, throwaway device, repeated identical disputes) and note where the dispute matches a fraud pattern.
7. Regulator layer. Where the dispute touches a state benefits filing, we produce the state-side confirmation as third-party evidence of the work delivered.
8. Narrative layer. We submit a plain-English written response that ties the seven evidence layers together and addresses the specific reason code the cardholder used.

The card network — not us, not you — decides who wins the chargeback based on this evidence. If we win, the disputed amount remains on your account. If you win, the disputed amount is reversed by the card network through PayBright. Either way, the process is honest and documented and the underlying service relationship continues unless either side ends it under the Terms of Service.

In the rare event that PayBright's dispute analyst issues a refund credit on PayBright's own side in resolution of a chargeback, we record that credit in our ledger after the fact for audit purposes. Freeman Filing itself does not initiate the credit; PayBright does, in its capacity as the lender of record and the party that holds the cardholder relationship.

6. Changes to This Policy

If we update this policy, the change applies to any disputes or chargebacks filed after the new effective date. Disputes covering a period before the new effective date are evaluated under the version of the policy that was in effect during that period.

7. Contact

Questions about billing or this policy: Facebook Messenger at facebook.com/freemanfiling. We do not maintain a refund request inbox because we do not issue refunds; messages about billing are read and answered on Messenger.