AIBBLE

ENTERPRISE RETURN & REFUND POLICY

Effective Date: May 22, 2026 | Last Updated: May 22, 2026

Governing Jurisdiction: Wayne County, Detroit, Michigan

CRITICAL NOTICE: This Return & Refund Policy constitutes a binding legal agreement governing all financial transactions with aibble, LLC. By completing any purchase, activating any subscription, or processing any payment through aibble.com or any associated invoice, you acknowledge that you have read, understood, and agreed to be bound by every provision herein — including the 24-Hour Cooling-Off Period, the payment processing fee deduction, the Absolute No-Refunds Policy, the Chargeback Waiver, and the Mandatory Binding Arbitration clause.

1. Preamble, Policy Philosophy & B2B Context

aibble, LLC ("aibble," "the Company," "We," "Us," or "Our") operates exclusively within a Business-to-Business (B2B) ecosystem providing non-tangible, irrevocable digital services including Google Business Profile optimization, AI-powered automation architecture, GoHighLevel CRM infrastructure, missed call text-back systems, A2P 10DLC SMS campaign deployment, database reactivation, ringless voicemail delivery, outbound lead generation, and custom marketing automation workflows.

Unlike physical retail transactions, our service delivery model commits specialized human expertise, software licensing costs, third-party API provisioning, GoHighLevel sub-account resources, telephone number acquisition, carrier registration expenditures, and payment processing fees immediately upon service commencement or transaction initiation. Many of these cost commitments — including Stripe payment processing fees — are irrecoverable regardless of whether a refund is subsequently issued. This policy reflects that operational reality while maintaining a fair, transparent, and legally defensible financial framework.

This policy is structured to minimize disputes, reduce chargeback risk, protect both parties' legitimate financial interests, and provide unambiguous procedural guidance for every billing scenario that may arise during the client relationship.

2. Service Classification & Fee Structure

2.1 One-Time Setup & Custom Deliverables

Fixed-price engagements covering: GoHighLevel sub-account architecture buildout; custom automation workflow and sequence configuration; missed call text-back system setup; database ingestion and CRM configuration; Google Business Profile structural optimization and citation setup; A2P 10DLC campaign registration; ringless voicemail sequence configuration; webchat widget deployment; and any other standalone, project-based deliverable defined in the executed service agreement or invoice.

2.2 Recurring Monthly & Annual Retainers

Ongoing subscription plans billed on an automated monthly or annual cycle covering: continuous GBP management and optimization; active automation sequence hosting and maintenance; AI conversation engine operation; database reactivation campaign hosting; CRM pipeline management; account management and performance reporting; and all associated platform infrastructure required to sustain live service delivery.

2.3 Pass-Through Third-Party Fees

Costs billed to the client representing direct pass-through expenses incurred by aibble with third-party providers on the client's behalf, including: dedicated telephone number acquisition; A2P 10DLC registration fees; carrier compliance fees; Twilio SMS, voice, and RVM usage charges; domain registration or hosting fees; and any other third-party cost explicitly line-itemed in the service agreement or invoice.

2.4 Stripe Payment Processing Fees — Non-Recoverable at All Times

IMPORTANT DISCLOSURE: Stripe's payment processing fees are charged at the time of transaction and are non-recoverable by aibble under any circumstances — including approved cooling-off refunds. These fees are ALWAYS deducted from any refund issued.

All payments processed through aibble's Stripe-powered payment infrastructure are subject to Stripe's standard transaction processing fees. These fees are assessed by Stripe at the time of the original transaction and are permanently retained by Stripe — they are not returned to aibble in the event of a refund, regardless of the reason for the refund. Accordingly, Stripe processing fees are non-refundable under all circumstances and are deducted from the gross refund amount in all cases where a refund is approved.

Current Stripe processing fee schedule applicable to aibble transactions:

Standard Credit & Debit Cards (Visa, Mastercard, Discover): 2.9% of the transaction amount plus $0.30 per transaction.
American Express Cards: 3.5% of the transaction amount plus $0.30 per transaction.
ACH Bank Transfers (where applicable): 0.8% of the transaction amount, capped at $5.00 per transaction.
International Cards or Currency Conversion: An additional 1.5% international processing fee may apply in addition to the base processing rate above.

Stripe's processing fee schedule is subject to change by Stripe, Inc. at any time. The fee rates disclosed above reflect current standard rates as of the effective date of this Policy. The actual fee deducted from any approved refund will reflect the fee rate in effect at the time of the original transaction, as recorded in aibble's Stripe dashboard. aibble will provide documentation of the specific fee amount deducted upon request.

3. 24-Hour Cooling-Off Period (Pre-Commencement Refund Window)

This section represents aibble's SOLE limited exception to the absolute no-refunds policy. It is intentionally narrow and subject to strict eligibility conditions, the Stripe fee deduction, and immediate voiding upon any Material Work Commencement event.

3.1 What You Will Actually Receive — The Refund Formula

An approved cooling-off refund is NOT a full return of the gross payment amount. The net refund issued is calculated as follows:

NET REFUND = Gross Payment Amount − Stripe Processing Fee − Pass-Through Third-Party Fees Already Incurred

Illustrative Example: If Client paid a $2,000 setup fee via Visa card and requests a cooling-off refund before any material work commences, and no pass-through fees have been incurred: the Stripe fee would be ($2,000 × 2.9%) + $0.30 = $58.30. The net refund issued would be $2,000 − $58.30 = $1,941.70. If $150 in A2P registration fees had already been submitted on the client's behalf prior to the refund request, the net refund would be $2,000 − $58.30 − $150.00 = $1,791.70.

By submitting any payment to aibble, Client explicitly acknowledges this refund calculation methodology and agrees that it constitutes a fair and transparent reflection of actual non-recoverable costs incurred by aibble at the time of the original transaction.

3.2 Eligibility Conditions — All Four Must Be Simultaneously Met

A cooling-off refund (subject to the deductions in Section 3.1) may be issued if and only if ALL of the following conditions are simultaneously satisfied:

Time Window: The written refund request is received by aibble within twenty-four (24) hours of the timestamp on the original payment confirmation email. The clock starts at the payment confirmation timestamp, not at the time the client reads the email.
No Material Work Commencement: None of the Material Work Commencement triggers defined in Section 3.3 have occurred at the time aibble receives the written refund request.
First-Time Purchase Only: The cooling-off refund applies exclusively to the initial purchase of a new service engagement. It does not apply to subscription renewals, upgrade purchases, add-on service purchases, or any subsequent transaction in an existing client relationship.
Written Request via Email: The refund request must be submitted in writing to [email protected] with subject line "Cooling-Off Refund Request — [Business Name]" and must include: the name on the account, the invoice or transaction number, the payment date and amount, and an explicit statement that no material work has yet commenced to the best of the client's knowledge. Verbal, telephone, or social media refund requests do not satisfy this requirement and do not toll the 24-hour window.

3.3 Material Work Commencement — Immediate Cooling-Off Voidance

The 24-hour cooling-off refund window is immediately and automatically voided upon the occurrence of ANY ONE of the following events, regardless of whether the 24-hour time window has elapsed:

GoHighLevel Sub-Account Creation: Creation of a client-specific sub-account workspace within aibble's GoHighLevel agency infrastructure.
Telephone Number Acquisition: Purchase, provisioning, or registration of any dedicated telephone number (local, toll-free, or short code) for the client through Twilio or any carrier.
A2P 10DLC Registration Submission: Submission of any A2P 10DLC brand registration, campaign registration, or use case application to The Campaign Registry (TCR) on the client's behalf.
Automation Build Initiation: Commencement of any GoHighLevel automation workflow, trigger configuration, pipeline setup, or SMS/email template design for the client's specific account.
GBP Access or Configuration: Acceptance of manager-level access to the client's Google Business Profile or any API action taken in connection with the client's GBP listing.
Onboarding Communication: Scheduling or delivery of any formal onboarding call, intake form processing, or kickoff strategy session with aibble team members specifically allocated to the client's account.
Third-Party Cost Incurrence: Payment of any third-party fee, API credit, software license, or platform subscription charge incurred by aibble in connection with the client's engagement.
Custom Deliverable Production: Commencement of any copywriting, prompt engineering, workflow design, or technical configuration producing a client-specific deliverable.

aibble maintains an internal work log timestamping all Material Work Commencement events. In any dispute over whether a cooling-off refund was requested before commencement, the timestamp record in aibble's internal systems is conclusive evidence of commencement status.

3.4 Refund Processing Timeline

Approved cooling-off refunds are processed within five (5) business days of written approval confirmation from aibble's billing team. Refunds are returned to the original payment method only. Processing time for funds to appear in Client's account is subject to the card issuer's or bank's standard timelines (typically 3–10 business days beyond aibble's processing date). aibble is not responsible for delays attributable to financial institutions.

3.5 Why We Structure It This Way

aibble includes this 24-hour cooling-off window as a deliberate policy decision for two reasons: (i) a clearly defined, fair review window dramatically reduces credit card chargebacks — which cost $25–100 per dispute in Stripe fees and can result in merchant account termination affecting all client sub-accounts — making a transparent refund policy a net financial benefit to aibble even after absorbing the Stripe fee; and (ii) it provides genuinely new clients a reasonable opportunity to reconsider before substantive work begins, which builds trust and reduces disputes. Clients who proceed past the 24-hour window, or past any Material Work Commencement event, have had a meaningful opportunity to reconsider, making subsequent chargebacks legally and contractually indefensible.

4. Absolute No-Refunds Policy (Post-Commencement)

ALL FEES ARE 100% FINAL AND NON-REFUNDABLE ONCE MATERIAL WORK HAS COMMENCED OR THE 24-HOUR COOLING-OFF WINDOW HAS ELAPSED — WHICHEVER OCCURS FIRST. THE STRIPE PROCESSING FEE IS NON-REFUNDABLE UNDER ALL CIRCUMSTANCES.

4.1 Scope of Non-Refundable Fees

All one-time setup fees, buildout costs, onboarding expenses, and project-based deliverable payments, regardless of project completion stage at time of cancellation.
All recurring monthly retainer payments for any billing cycle that has commenced, whether or not the full cycle's services have been delivered at the time of cancellation.
All strategic consulting hours, campaign design hours, and account management time allocated to the client's account.
All Pass-Through Third-Party Fees as defined in Section 2.3, without exception.
All Stripe payment processing fees on every transaction, without exception.
Any invoice or payment made under an annual subscription plan, regardless of how early in the annual term the cancellation request is submitted.

4.2 Performance Non-Guarantee Acknowledgment

No refund will be issued based on: subjective dissatisfaction with campaign results; Google Business Profile ranking fluctuations, algorithmic changes, or listing suspensions; SMS, email, or voicemail delivery rates or conversion rates; changes in the client's business model after service commencement; market conditions; or third-party platform policy changes affecting campaign delivery. aibble's services are purchased for structural infrastructure deployment — not guaranteed financial outcomes.

4.3 No Prorated or Partial Refunds

aibble does not issue prorated, partial, or proportional refunds under any circumstances, including mid-cycle subscription cancellations, project freezes, account pauses, or early termination at any stage of a service engagement.

5. Subscription Management, Cancellation & Post-Cancellation Architecture

5.1 Automated Renewal

All recurring plans auto-renew at cycle end under existing terms. The designated payment instrument is charged automatically without additional authorization. Client is solely responsible for monitoring renewal dates and submitting cancellation within the required advance notice window.

5.2 Cancellation Procedure

Submit written cancellation notice to [email protected] with subject "Subscription Cancellation — [Business Name] — [Plan Name]" a minimum of seven (7) calendar days before the next renewal date.
Cancellation requests received fewer than seven (7) days before renewal may not process in time to prevent the next automated charge. That charge stands as non-refundable and service continues through the end of that paid cycle.
aibble confirms successful cancellation processing via email within two (2) business days. Non-receipt of confirmation does not extend the cancellation window — follow up immediately at [email protected] if unconfirmed.

5.3 Post-Cancellation Data & Access Timeline

Continued Access: All services, sequences, and CRM access remain fully operational through the final day of the paid cycle.
Service Wind-Down: On the day the paid cycle expires, all automation sequences, AI agents, API connections, and campaign workflows are paused and telephone number routing is suspended.
30-Day Data Retention Window: Client CRM data, contact lists, and campaign assets are retained in archived state for thirty (30) calendar days. Portable data export is available at no charge during this window.
Permanent Deletion: Following the 30-day window, all client data is permanently and irreversibly deleted per aibble's Data Retention Policy. Export all required data before window closes.
Telephone Number Release: Dedicated numbers are released to the carrier pool thirty (30) days post-termination unless the client arranges direct portability before the window closes.

5.4 Service Pause / Account Freeze Option

As an alternative to cancellation, eligible clients may request a temporary account pause of up to sixty (60) calendar days once per rolling twelve-month period. A reduced pause maintenance fee (quoted by billing team at time of request) applies in lieu of the full retainer. Pause requests must be submitted in writing to [email protected] at least seven (7) calendar days before the next billing cycle. Pauses do not entitle clients to any refund of fees already paid.

5.5 Annual Plans

Annual subscription fees are paid in full at term commencement and are entirely non-refundable, including for early cancellation at any point during the annual term. The 24-hour cooling-off period applies to initial annual plan purchases on the same terms as monthly plans, with the same Stripe fee deduction applying to any approved refund.

6. Third-Party & Pass-Through Fee Non-Refundability

The following fees are non-refundable under ALL circumstances, including within the 24-hour cooling-off window to the extent already incurred:

A2P 10DLC Brand & Campaign Registration Fees: Submitted to TCR and non-reversible upon initiation.
Dedicated Telephone Number Costs: Acquisition and maintenance fees for numbers provisioned through Twilio or any carrier.
Twilio SMS, MMS, Voice & RVM Usage: Per-message, per-minute, and per-delivery charges for actual transmission.
Carrier Compliance & Vetting Fees: Number vetting, TCR compliance, and campaign delivery surcharges imposed by carriers.
Google API & Platform Fees: Costs for Google API usage, GBP management tooling, or Google Ads charges attributed to the client's account.
Third-Party Software Licenses: Any software license or API access fee paid to a third-party provider in connection with the client's engagement.
Stripe Payment Processing Fees: As fully disclosed in Section 2.4, these are non-recoverable by aibble and non-refundable under all circumstances.

Pass-through fees are invoiced at cost without markup unless otherwise specified in the service agreement. Documentation of pass-through costs is available upon written request.

7. Billing Error Correction Procedure

7.1 aibble-Initiated Billing Errors

In the event of a billing error attributable solely to aibble's systems (e.g., duplicate charge, incorrect amount charged), Client must notify [email protected] within thirty (30) calendar days of the charge date with subject "Billing Error Dispute — [Invoice Number]" and supporting documentation. aibble investigates within five (5) business days and, if the error is confirmed, issues a corrective credit to the next billing cycle or a direct refund to the original payment method within ten (10) business days. Note: even for confirmed aibble billing errors, the Stripe processing fee on the erroneous charge is a third-party cost retained by Stripe and cannot be refunded by aibble.

7.2 Failed Payment & Retry Protocol

Stripe automatically retries failed charges up to three (3) times over seven (7) days following initial failure.
Automated billing failure notifications are sent to Client's registered email following each failed attempt.
If payment is not collected within fourteen (14) days of the original billing date, all active sequences, API connections, and platform access may be suspended without further notice.
Service reactivation following non-payment suspension requires payment of all outstanding balances plus a reactivation fee quoted at time of request.
Client is solely responsible for maintaining current payment credentials in their Stripe billing profile.

8. Service Credits — Limited Discretionary Availability

Cash refunds are not available outside the 24-hour cooling-off window. aibble may, at its sole and unreviewable discretion, offer account service credits as a goodwill gesture in the following limited circumstances only:

Extended Third-Party Platform Outage: A GoHighLevel or Twilio infrastructure disruption lasting more than seventy-two (72) consecutive hours materially preventing core service delivery. Any credit issued is proportional to the affected period and is the sole remedy for third-party platform outages.
Documented aibble-Attributable Service Failure: A confirmed failure by aibble's internal operations (not attributable to third-party platforms or client-side issues) to deliver a specific deliverable within a contractually specified timeframe.

Service credits have no cash value, are applied to the next billing cycle only, are non-transferable, non-stackable, and expire upon account cancellation. Issuance in one instance creates no obligation or precedent for future issuance.

9. Price Changes & Renewal Notification Standards

Material Price Increases (greater than 10%): Written notice at least thirty (30) calendar days before the affected renewal date.
Minor Price Adjustments (10% or less): Written notice at least fourteen (14) calendar days before the affected renewal date.
Promotional Rate Expiration: Written notice at least fourteen (14) calendar days before standard pricing resumes.

Continued subscription past the effective date of any price change constitutes acceptance of the revised pricing. Clients who do not accept a price change must cancel per Section 5.2 before the effective date to avoid being charged the new rate.

10. Chargeback Protection, Waiver & Collection Mandate

CHARGEBACK WAIVER: BY MAKING ANY PAYMENT TO AIBBLE, CLIENT EXPLICITLY WAIVES THE RIGHT TO INITIATE A CHARGEBACK FOR ANY FEE PAID OUTSIDE AN APPROVED COOLING-OFF REFUND REQUEST.

10.1 Chargeback Waiver

By completing any payment to aibble, Client explicitly, knowingly, and voluntarily agrees that: all payments outside of an approved cooling-off refund are final and non-refundable; if Client believes a billing error has occurred, the exclusive remedy is the Billing Error Correction Procedure in Section 7 — not a financial institution chargeback; and Client will not initiate, authorize, or cooperate in any credit card chargeback, ACH reversal, or bank dispute for any aibble fees paid for services rendered, partially rendered, or in active preparation.

10.2 Consequences of a Prohibited Chargeback

Immediate Termination: All sub-account access, automation sequences, API connections, campaign assets, and data access are permanently suspended and terminated without notice or opportunity to cure.
Data Forfeiture: All deliverables, templates, automation configurations, and sub-account assets are forfeited and will not be transferred or restored.
Collections Referral: The disputed amount plus all Stripe chargeback fees ($15–100 per dispute), processing penalties, and legal costs are immediately referred to collections and outside legal counsel.
Legal Proceedings: aibble pursues recovery of the original disputed amount, all chargeback-related fees, collections costs, reasonable attorney fees, and compensatory damages for merchant account impact.
Card Network Evidence Package: aibble submits this Policy, the executed service agreement, Stripe transaction records, internal work log timestamps, and all relevant correspondence as documentary evidence to the card network and acquiring bank disputing the chargeback. This written waiver and documented service delivery record materially reduce the likelihood of a bad-faith chargeback succeeding.

11. Upgrade, Downgrade & Plan Change Policy

Upgrades: Take effect at the next renewal date. Additional setup work for the upgraded tier is subject to a separate setup fee as quoted.
Downgrades: Take effect at the next renewal date following the advance notice window. Current plan features continue through the end of the current paid cycle with no prorated credit for plan price differences.
No Prorated Credits: Downgrading does not entitle Client to any credit for the pricing difference in the current billing cycle.
All plan change requests must be submitted in writing to [email protected] at least seven (7) calendar days before the next renewal date.

12. Dispute Escalation Procedure (Mandatory Pre-Arbitration)

Before initiating any formal arbitration proceeding regarding a billing dispute, Client must exhaust the following three-step escalation procedure in sequence:

Step 1 — Billing Team Submission: Submit a written dispute to [email protected] within thirty (30) calendar days of the charge or event. Include: invoice number, charge amount, charge date, nature of dispute, and specific remedy sought. aibble responds with a written determination within five (5) business days.
Step 2 — Senior Management Review: If dissatisfied with billing team determination, Client may request escalation by replying within seven (7) business days of that determination. Senior management review completes within ten (10) business days.
Step 3 — Pre-Arbitration Notice: If the dispute remains unresolved after senior management review, Client delivers a formal written pre-arbitration notice to [email protected] and allows thirty (30) days for final informal resolution before filing any AAA arbitration demand.

Failure to complete Steps 1–3 before filing an arbitration demand constitutes a material procedural breach of this Policy and may be raised as a defense by aibble in any arbitration proceeding.

13. Dispute Resolution, Binding Arbitration & Class-Action Waiver

13.1 Mandatory Binding Individual Arbitration

READ CAREFULLY: This Section waives your right to a jury trial and class-action participation for all billing and refund disputes.

Any and all billing disputes, refund claims, chargeback controversies, subscription fee disagreements, or financial claims of any kind arising out of or relating to this Return & Refund Policy, any invoice, or any payment transaction with aibble shall be resolved exclusively through final, binding, individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitrator's award is final and enforceable in any court of competent jurisdiction.

13.2 Pre-Arbitration Notice Requirement

Prior to filing any arbitration demand, the complaining party must deliver written notice to the other party — aibble at [email protected]; Client at their registered billing email — describing the nature of the dispute, the specific relief sought, and the factual basis in reasonable detail. The parties must negotiate in good faith for thirty (30) calendar days following receipt before any arbitration demand may be filed.

13.3 Class-Action Waiver — Non-Severable

BOTH AIBBLE AND CLIENT EXPLICITLY WAIVE ANY RIGHT TO INITIATE, JOIN, OR PARTICIPATE IN: (I) ANY CLASS-ACTION LAWSUIT; (II) ANY CONSOLIDATED OR MULTI-PLAINTIFF PROCEEDING; (III) ANY COLLECTIVE ARBITRATION; OR (IV) ANY REPRESENTATIVE ACTION OF ANY KIND REGARDING ANY BILLING DISPUTE, REFUND CLAIM, OR FINANCIAL CONTROVERSY WITH AIBBLE. ALL CLAIMS MUST BE BROUGHT SOLELY IN AN INDIVIDUAL CAPACITY. THIS WAIVER IS A NON-SEVERABLE MATERIAL CONDITION OF THIS POLICY.

13.4 Governing Law & Exclusive Venue

This Policy is governed exclusively by the laws of the State of Michigan, without regard to conflict of law principles. The exclusive venue and seat for all arbitration and any permitted court actions is Wayne County, Detroit, Michigan. Both parties irrevocably consent to personal jurisdiction and venue in Wayne County, Michigan.

14. Policy Amendments & Version Control

Material changes to this Policy are communicated via email to the client's registered billing address at least fourteen (14) calendar days prior to the effective date. Continued use of the Service or maintenance of any active subscription following the effective date of any modification constitutes binding acceptance of the revised Policy. Prior policy versions are archived and available upon written request to [email protected].

15. Compliance Contact & Billing Operations

For all billing inquiries, cancellation requests, billing error reports, cooling-off refund requests, or dispute submissions, contact aibble's Billing & Compliance office:

Primary Billing Email: [email protected] | Subject: "[Request Type] — [Business Name]"
Legal & Compliance Email: [email protected] | For formal disputes and pre-arbitration notices only
Business Telephone: 313-889-7656 | Monday–Friday, 9:00 AM–5:00 PM Eastern
Registered Mail: aibble, LLC, Attn: Billing & Compliance, 2785 E Grand Blvd, Unit 169, Detroit, MI 48211

All billing inquiries acknowledged within two (2) business days. All written refund and dispute filings responded to within five (5) business days. Requests submitted outside business hours are processed on the next business day.

Enterprise Return & Refund Policy — Effective May 22, 2026 — Governing Law: State of Michigan

Wayne County, Detroit, Michigan — Exclusive Arbitration Venue