Refund Policy

Executive Summary

This Refund Policy is designed to (1) clearly define when a refund is and is not available, (2) align with the Program's Milestone-Based Payment Structure (50% upfront / 50% due upon a qualifying deal event), (3) eliminate ambiguity around “results-based” refund demands by placing responsibility for outcomes on the Client, and (4) strengthen the Company's ability to defend payment disputes and chargebacks through documented proof of access and service delivery.

Key rules in plain English:

  • Refunds are only available pre-access. Once you receive access to the Program (community, materials, sessions, or onboarding), no refunds — no exceptions for performance, motivation, market conditions, or “I didn't use it.”
  • No outcome guarantees. We provide coaching and execution support, not guaranteed earnings or deals.
  • Chargebacks are a breach. If you file a chargeback after access begins, we treat that as a contract breach and will submit extensive evidence to the processor/bank.

Company Identity and Acceptance

This Refund Policy applies to all purchases of Operator Execution Program (the “Program”), operated by Blue Water Properties FL LLC (“Company,” “we,” “us”). By purchasing, enrolling, or accessing the Program, you (“Client,” “you”) agree to this Refund Policy and the full Terms of Service.

Client agrees that electronic acceptance (including e-signature, checkbox assent, or online checkout acceptance) and electronic records will not be denied legal effect solely because they are electronic.

Definitions (Refund Policy-Specific)

  • “Access Granted” means any one or more of the following occurs: (a) you receive an invitation to or join the Company community platform (e.g., Slack) or any private group, (b) you receive or can access any Program materials (digital downloads, frameworks, recordings, templates, guides), (c) you schedule or attend any coaching session, or (d) the Company performs any onboarding, deal review, analysis, support, or services for you.
  • “Milestone Tiers” means any tier where pricing is structured as 50% upfront and 50% due upon a qualifying deal event, as defined in your Cancellation & Payment Policy.

Refund Eligibility (Strict and Limited)

Refunds are available only under the following conditions:

  1. Pre-Access Cancellation Only. A refund request is eligible only if ALL of the following are true:
    • You submit a written refund request before Access Granted, and
    • No Program materials have been delivered or unlocked, and
    • No onboarding or coaching services have been performed, and
    • You remain in good standing (no abuse, threats, chargebacks, or policy violations).
  2. Administrative Fee and Processing Fees. Any approved pre-access refund will be reduced by:
    • A reasonable administrative fee (disclosed at checkout or invoice), and
    • Non-refundable payment processing fees actually incurred (charged by payment processors).
  3. No Refund After Access Granted (Bright-Line Rule). Once Access Granted occurs, all sales are final, and no refunds will be provided for any reason, including but not limited to:
    • dissatisfaction with progress,
    • failure to take action or participate,
    • inability to find deals, secure funding, hire contractors, or complete projects,
    • schedule conflicts, personal circumstances, or business changes,
    • market conditions, partner performance, lender changes, or contractor issues.

Non-Refundable Digital Goods and Delivered Materials

Because the Program includes immediate access to digital goods and deliverables (including frameworks, guides, templates, recordings, and other proprietary materials), any delivery or unlocking of those materials makes the purchase non-refundable.

For avoidance of doubt: if you download, receive, view, or gain access to Program materials, you have received the benefit of the purchase for refund purposes.

Refund Request Timing and Process

  1. How to Request. Refund requests must be submitted in writing to the Company's designated support channel. Requests made via DMs, social media, text message, or informal chat are not considered official refund requests.
  2. Required Information. Your request must include:
    • Full name used at purchase
    • Purchase date
    • Program tier purchased
    • Email and phone number used at checkout
    • A statement requesting cancellation and refund under this Refund Policy
  3. Company Review Window. If eligible (pre-access only), the Company will respond within ten (10) business days with an approval or denial based on Access Granted status and service delivery records.
  4. Refund Method. Approved refunds are issued only to the original payment method used at checkout unless prohibited by the processor.

Milestone Tiers and Refunds

If you purchased a Milestone Tier (50% upfront / 50% due at a qualifying deal event):

  • The upfront 50% is subject to the same refund rules above (pre-access only).
  • Once Access Granted occurs, the upfront payment is fully earned and non-refundable.
  • Stopping participation or requesting cancellation after Access Granted does not cancel or reduce payment obligations.
  • The Milestone Balance remains governed by the qualifying deal event and survival/connection rules in the Cancellation & Payment Policy.

No Liability for Outcomes; No Earnings or Deal Guarantees

The Program is educational and execution-support coaching. The Company does not guarantee that you will:

  • obtain a property under contract,
  • complete a fix and flip,
  • successfully assign a wholesale contract,
  • obtain financing approval,
  • earn revenue or profit, or
  • achieve any particular business results.

Refund requests based on “I didn't get results” are not valid.

Payment Plan Defaults (If Applicable)

If you are on a payment plan:

  • You authorize the Company (and its payment processor) to charge payment methods on file according to the agreed schedule.
  • If a payment fails, the Company may immediately pause or terminate access until the account is brought current.
  • The Company may pursue lawful remedies for non-payment, including invoicing, collections, or recovery of amounts due.
  • Payment plan default does not create any refund rights.

Chargebacks, Disputes, and Consequences

  1. Internal Resolution First. Before filing a payment dispute/chargeback, you must contact the Company in writing and allow ten (10) business days for internal resolution.
  2. Chargebacks After Access Granted = Material Breach. Initiating a chargeback or payment reversal after Access Granted constitutes a material breach of the Terms and may result in immediate removal from the Program and community, termination of licenses to materials, and escalation to collections.
  3. Evidence the Company Will Submit. You agree the Company may submit evidence to payment processors, issuing banks, and card networks, including:
    • Signed agreement / electronic acceptance logs
    • Access logs (community invites, join timestamps, portal access, downloads)
    • Slack/community records and message history
    • Delivered materials logs (files sent, links issued, timestamps)
    • Attendance records, scheduling logs, call notes, and session history
    • Payment receipts, invoices, and transaction metadata
    • Deal submissions and deal review records
    • Deal documents evidencing milestone triggers (listing proof, executed assignment, title/closing confirmations)
  4. Indemnity for Dispute Fees and Collection Costs. You agree to reimburse the Company for chargeback fees, administrative costs, and reasonable collection costs (including attorney fees where permitted) arising from disputes or chargebacks that violate this Refund Policy or the Terms.
  5. CFPB Dispute Context. This Refund Policy does not attempt to unlawfully restrict any consumer rights under applicable law; it sets the contractual consequences of disputing charges after services/access have been delivered.

Data & Evidence Preservation (Consent to Use Communications as Evidence)

To maintain service quality, operational accountability, and dispute defense:

  • You consent to the Company maintaining business records of your participation and communications, including Slack/community messages, emails, deal submissions, scheduling logs, and access records.
  • You agree these records may be used as evidence to verify delivery, resolve disputes, defend chargebacks, and enforce payment obligations.
  • The Company may retain these records for a commercially reasonable period consistent with tax, compliance, and dispute-defense needs.

Indemnity (Claims Protection)

You agree to defend, indemnify, and hold harmless the Company from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorney fees) arising out of your breach of this Refund Policy, including unauthorized chargebacks or misrepresentations regarding access, delivery, or milestone events.