Owner Advisor Refund and Cancellation Policy

This Refund and Cancellation Policy applies to paid products and services offered by Haven Meridian, Inc. ("Haven," "we," "us," or "our") through owner-advisor.com ("OwnerAdvisor"). This Policy should be read together with our Terms of Use and Privacy Policy.

1. General Approach

OwnerAdvisor provides educational business guidance, decision-support tools, reports, digital products, subscriptions, and related services. We want the purchase process to be clear and fair, while also recognizing that our products may involve digital delivery, report generation, account setup, AI-assisted processing, and other work that may begin shortly after purchase.

Unless otherwise stated at purchase or required by applicable law, payments are non-refundable once a service has been delivered, a report has been generated, a digital product has been made available, or a subscription period has begun.

This Policy does not limit any non-waivable rights you may have under applicable law.

If applicable law in your jurisdiction grants you a right of withdrawal, cancellation, refund, cooling-off period, or other consumer right that cannot be waived by this Policy, those rights apply to the extent required by law. For digital products that begin delivery immediately upon purchase, you acknowledge that delivery may begin immediately and consent to delivery before expiration of any applicable withdrawal period where applicable law permits such consent or waiver.

2. Snapshot

Snapshot is currently intended to be free. Because Snapshot is free, there is no refund owed for Snapshot.

If Snapshot later includes paid upgrades, add-ons, or premium versions, those purchases will be governed by the purchase terms shown at the time of purchase and by this Policy.

3. Signal

Signal is a paid business-side report or assessment product. Signal may involve a fuller intake, AI-assisted analysis, structured report generation, and related review or delivery steps.

Unless otherwise stated at purchase or required by law, Signal purchases are non-refundable once the intake has been submitted and report generation or delivery work has begun.

However, Haven may provide a refund, re-run, credit, or other reasonable remedy if:

• the product is not delivered due to a technical failure caused by Haven or its systems;
• the report generation fails and cannot reasonably be corrected;
• duplicate payment is made by mistake;
• Haven cancels the service before delivery;
• applicable law requires a refund.

Signal is not refundable merely because you disagree with the report, do not achieve a desired business result, choose not to act on the report, or later decide you no longer want the product.

4. Owner Advisor Subscriptions

Owner Advisor may be offered as a recurring subscription. Unless otherwise stated at purchase or required by law, subscription fees are charged in advance for the applicable billing period and are non-refundable once the billing period begins.

You may cancel a subscription through the cancellation method we make available, such as account settings, customer support, or another posted process.

Cancellation prevents future renewal charges but does not automatically refund the current billing period. After cancellation, you may continue to have access until the end of the paid period unless otherwise stated at purchase or required by law.

5. Beta, Promotional, Discounted, and Trial Pricing

We may offer beta, promotional, discounted, introductory, trial, or founder pricing. The specific terms shown at purchase will apply.

Beta and early-access products may be incomplete, changed, interrupted, or discontinued. Refunds for beta products will be handled under this Policy and any specific terms shown at purchase.

6. Technical Failure or Non-Delivery

If you believe a paid product was not delivered, generated incorrectly due to a technical failure, or charged in error, contact us promptly at support@owner-advisor.com.

Please include:

• the email address used for purchase;
• product purchased;
• date of purchase;
• issue experienced;
• screenshots or transaction details if available.

Haven may, in its discretion and subject to applicable law, provide a refund, re-run, account credit, extension, corrected delivery, or other reasonable remedy.

7. No Results Guarantee

Refunds are not provided because a product or service does not produce a specific business outcome. OwnerAdvisor does not guarantee revenue growth, cost savings, profit improvement, customer acquisition, cash availability, hiring success, or any other business result.

8. Failed Payments and Chargebacks

If a payment fails, we may suspend, downgrade, or terminate access to paid services until payment is received.

If you initiate a chargeback, we may suspend access while the chargeback is investigated. Nothing in this Policy limits your rights under applicable payment-card rules or consumer law.

9. Changes to This Policy

We may update this Policy from time to time. Updated versions will be posted with a revised “Last Updated” date.

10. Contact

Questions about refunds, cancellations, or billing may be sent to:

Haven Meridian, Inc.

4900 Copper Creek Trail

Kannapolis, North Carolina 28081

support@owner-advisor.com

https://owner-advisor.com