Billing, Cancellation and Refund Policy

1. Price. The service costs US$199.00 per completed service cycle. There is no signup, analysis, activation or other fee charged before a cycle is completed.

2. When your card is charged. A charge is made only on the day a cycle is completed. Cycle 1 is completed when Round 1 dispute correspondence is transmitted to all three credit reporting agencies. Each later cycle is completed when the written progress report is delivered to you. There is no automatic calendar-date billing. The fee compensates work already performed and does not correspond to any future period.

3. Statutory right to cancel. You may cancel the contract at no cost within 3 business days after signing (federal law, 15 U.S.C. § 1679e) or within 5 calendar days after signing (Florida law), or within any longer period your state's law provides. No dispute is sent and no amount is charged before that period ends.

4. Termination at any time. After the statutory period, you may end the contract at any time by emailing support@pontecredit.com or through the client portal. There is no penalty and no minimum term. Only the cycle already completed as of the termination date is charged.

5. Refunds. Because nothing is charged before a cycle is completed, there is no advance payment to refund. If you believe a cycle was charged without being completed, write to support@pontecredit.com. We review the cycle completion record and reply in writing within 5 business days; any charge without a completion record is reversed.

6. Language. This policy exists in Portuguese and English. Both versions are equally authoritative.