AMERICAN FIRST DIRECT PLATFORM TERMS OF USE

10.1 Overview

Except where expressly required by applicable law, fees paid to the Company for access to the Services are non-refundable once substantial performance has occurred. 

Notwithstanding the foregoing, the Company offers a limited refund right for certain Services as described below. 

10.2 Statutory Rescission Rights 

If you are a resident of a jurisdiction that provides a non-waivable statutory right of rescission for the purchase of form preparation software services, you may cancel the transaction and receive a refund to the extent required by applicable law. 

Without limiting the foregoing, residents of California, Illinois, Maryland, Michigan, Minnesota, New York, or Utah may have the right to rescind the portion of the transaction attributable solely to the use of the Company’s form preparation software within seventy-two (72) hours or three (3) business days of entering into the agreement, whichever period is longer, as required by applicable law. 

This rescission right applies only to the extent required by law and only to the portion of the Services to which such law applies. It does not extend to third-party services, government fees, or other products unless required by law. 

10.3 Thirty (30) Day Limited Refund — Non-Legal Review Products 

For Services that do not include attorney review, legal representation, third-party professional services, translation services, or government submission assistance (“Non-Legal Review Products”), you may request a refund within thirty (30) calendar days of the original payment date, provided that: 

• The application or materials have not been printed, downloaded, exported, or otherwise accessed in final form; 
• The application has not been mailed, filed, or submitted to any government authority;
• No third-party services have been initiated; 
• Substantial performance of the purchased Service has not occurred. 

For purposes of this Section, substantial performance includes, without limitation: 

• Accessing, downloading, printing, exporting, or saving completed or finalized application materials; 
• Generating finalized application outputs;
• Initiating translation, mailing, filing, or submission services; 
• Requesting that the Company prepare materials for shipment or submission; 
• Using the Services in a manner that produces completed deliverables ready for filing. 

Once substantial performance has occurred, the Service fee becomes non-refundable. 

10.4 Government Fees and Third-Party Services 

Government filing fees, courier fees, translation fees, attorney fees, and any other third-party costs are non-refundable and are governed exclusively by the applicable third-party provider’s terms. 

The Company does not control government adjudication decisions and does not provide outcome-based refunds. 

10.5 No Outcome-Based Refunds 

Refund eligibility is not contingent upon and shall not be based on: 

• Approval or denial of any application; 
• Requests for Evidence (RFEs); 
• Notices of Intent to Deny (NOIDs); 
• Administrative delays; 
• Changes in law, policy, or agency practice; 
• Government processing times or backlogs. 

Government agencies exercise sole discretion over eligibility and adjudication decisions, which are outside the Company’s control. 

10.6 Verification and Abuse Prevention 

The Company reserves the right to request documentation reasonably necessary to evaluate a refund request.

Refunds may be denied in cases involving: 

• Fraud or misrepresentation; 
• Chargeback abuse or payment disputes initiated before contacting the Company;
• Violation of these Terms; 
• Repeated refund requests indicating misuse of the Services; 
• Attempts to obtain application materials prior to requesting a refund. 

The Company reserves the right to suspend or terminate accounts engaged in abusive refund practices. 

10.7 Discretionary Credits 

In circumstances where a refund does not qualify under this policy, the Company may, at its sole discretion, issue non-transferable store credit. 

Store credit: 

• Has no cash value; 
• May not be redeemed for cash; 
• Expires one (1) year from issuance; 
• May not be resold, transferred for value, or publicly marketed. 

10.8 Submission of Refund Requests 

All refund requests must be submitted through the official refund request portal: Submit a Refund Request Here 

Refund requests must be submitted through the official refund request portal. Requests submitted through social media platforms, messaging applications, email, payment processors, or third-party marketplaces will not constitute valid notice under this policy and may delay resolution. 

10.9 Processing Timeline

Approved refunds will be issued to the original method of payment within five (5) business days of approval. 

Financial institutions may require additional time to post the transaction, and the Company is not responsible for delays caused by payment processors or banks.