Consulting, Cancellation & Refund Policy

Every new client is entitled to a complimentary 30-minute consultation to discuss their unique situation, determine the appropriate level of service, and receive an overview of how Divorce Equity Solutions can assist them.

Once your consultation has been delivered and work has begun on your personalized Divorce Mortgage Planning Report (DMPR) or any other purchased service, the flat fee is considered earned in full and is non-refundable.

By this stage, Divorce Equity Solutions has already invested substantial professional time in:

• Reviewing your financial information
• Analyzing mortgage and home equity options
• Researching financing strategies
• Preparing customized reports and recommendations
• Developing personalized financial scenarios
• Coordinating with lenders or other professionals, when applicable

Because these professional services cannot be returned or reused, no refunds will be issued once work has commenced, regardless of whether the client chooses to proceed with our recommendations or the final outcome of the divorce.

Every divorce is unique. The outcome of mediation, negotiations, the collaborative process, or court proceedings depends on numerous factors beyond our control.

Divorce Equity Solutions does not guarantee:

• Approval of any mortgage, refinance, loan assumption, or financing request.
• That either party will qualify for financing.
• That a proposed equity buyout will be accepted.
• That mediation or settlement negotiations will result in a specific outcome.
• That a judge or court will adopt any recommendation we provide.
• That either party will agree to or accept our recommendations.
• That our recommendations will produce a particular financial or legal outcome.

Our recommendations represent the best financial strategies available based on the information provided by the client, current lending guidelines, market conditions, and the circumstances known at the time services are performed. All decisions made during mediation, settlement negotiations, collaborative proceedings, or litigation are solely the responsibility of the client. Divorce Equity Solutions shall not be held responsible or liable because a client, opposing party, lender, attorney, mediator, or court reaches a different conclusion or because the client does not obtain the outcome they had hoped to achieve.

Many of our services require minimum engagement times because the exact amount of professional time required cannot be determined in advance.

If you cancel your scheduled consultation at least 48 hours before your appointment, and no substantive work has been performed on your file, any prepaid consultation or service fee will be refunded in full.

If you cancel less than 48 hours before your scheduled consultation, you may choose one of the following:

• Receive a 50% refund of any prepaid fees; or
• Reschedule your consultation at no additional charge within 90 days of your original appointment.

Clients are responsible for providing complete, accurate, and timely financial information and documentation.

Divorce Equity Solutions is not responsible for delays or unfavorable outcomes resulting from:

• Incomplete or inaccurate information provided by the client
• Changes in income, employment, credit, or financial circumstances
• Lender underwriting decisions
• Court rulings
• Mediation outcomes
• Decisions made by attorneys, mediators, or opposing parties
• Changes in lending guidelines or market conditions