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Refund & Cancellation Policy — SJM Digital Consulting LLC

Effective Date: January 15 2026

Last Updated: January 15 2026

This Refund & Cancellation Policy explains how refunds and cancellations work for services purchased from SJM Digital Consulting LLC (“we,” “us,” “our”), including services ordered through our website SjmdigitalconsultingSJM Digital Consulting | Digital Marketing or via checkout that leads to instant payment and contract acceptance.

By purchasing or engaging our services, you agree to the terms in this Refund & Cancellation Policy.

1. General Policy

All payments made to SJM Digital Consulting LLC are final and non-refundable unless specifically stated otherwise in this policy or required by law. Setup fees, monthly service charges, consulting retainers, onboarding fees, design fees, and payments made at checkout are final once initiated.

This policy applies even if you cancel services after your purchase. Effort, work completed, and resource allocation begin immediately upon purchase or onboarding.

2. Refund Eligibility

Because we provide customized services that begin immediately and use billable resources right away:

  • Setup fees are non-refundable.
  • Monthly service fees are non-refundable once the service period begins.
  • Ad spend, software licenses, and third-party costs are separate and not refundable by us.

No pro-rata refunds are provided for services used in a billing cycle once that period has started.

Refunds are only considered in rare, exceptional cases and never for reasons of dissatisfaction alone.

3. Cancellation Terms

3.1 Standard Cancellations

To cancel ongoing services, you must submit a written notice to support@sjmdigitalconsulting.com at least 30 days prior to the next billing cycle. Billing will continue through the 30-day notice period and services will remain active until that period ends.

3.2 Cancellations After Work Initiation

If services have already been initiated prior to cancellation:

  • No refunds are issued for work already completed.
  • Deliverables already provided remain your property.
  • Any outstanding balances remain due and payable.

4. Chargebacks and Disputes (Strong Language)

A chargeback occurs when a client contacts their bank or payment provider to reverse a payment rather than resolving a billing concern directly with us.

If you dispute a charge through your bank, credit card provider, or any payment processor:

4.1 You Must Contact Us First

We require that you contact support@sjmdigitalconsulting.com to resolve any payment disputes. Filing a chargeback without first attempting to resolve the issue directly is considered a breach of expected client conduct and may result in:

  • Immediate suspension of all services
  • Loss of access to portals, data, and deliverables
  • Referral to a collections agency for recovery of owed amounts
  • Additional administrative fees and chargeback penalties

Many chargebacks are the result of misunderstandings or service expectations that can be resolved directly without a dispute through a bank. Our team will work with you to address concerns when contacted directly.

4.2 No Discounts or Rebates for Chargebacks

If a chargeback is filed, you acknowledge and agree we may:

  • Retain all amounts paid for services already rendered
  • Pursue the collection of any remaining balance due

Any chargeback fees imposed by our payment processor as a result of the dispute will be added to your balance and immediately due.

5. Exceptional Consideration

While refunds are generally not offered, we may, at our sole discretion, consider a refund in rare cases where:

  • There was an administrative error on our part; and
  • You have submitted a written request within 14 days of purchase with clear documentation.

A discretionary refund, if granted, will be reduced to account for work already completed and costs incurred.

Requests must be emailed to support@sjmdigitalconsulting.com and will be evaluated case by case.

6. How to Submit a Cancellation or Refund Inquiry

To request cancellation or discuss refund options:

  1. Email support@sjmdigitalconsulting.com
  2. Include:
  • Your full name
  • Invoice or order number
  • Date of purchase
  • Detailed reason for request

You will receive a response within 14 business days.

7. Communication and Transparency

This Refund & Cancellation Policy is posted on our website and is part of every engagement and purchase confirmation. By moving forward with payment, you acknowledge that you have read, understood, and agreed to these terms. Clear policies help prevent confusion that often leads to disputes and chargebacks.

8. Governing Law

This policy is governed by the laws of the State of Illinois, United States. Any disputes related to this policy shall be resolved in the appropriate state or federal courts in Illinois.

9. Contact Information

If you have questions about this Refund & Cancellation Policy, contact:

SJM Digital Consulting LLC

Email: support@sjmdigitalconsulting.com

Phone: 312-800-0799

Address: 9631 S Cicero Ave, Oak Lawn, IL 60453, United States