This No Refund Policy applies exclusively to network subscribers who pay NSCN directly for access to the National Second Chance Network ecosystem. Subscribers include Partners, Anchors, and Sponsors.

This policy does not apply to members. NSCN does not charge members for any service, access, or resource. Members engage with the network and with partners at no cost to NSCN. Any financial transaction a member enters into is between that member and a partner directly — it has no connection to NSCN whatsoever.

NSCN does not charge members for services. This is a core operating principle of the National Second Chance Network and is non-negotiable.

Members access the NSCN ecosystem, its resources, and its partner network at no cost. NSCN does not bill members, does not collect fees from members, and does not take any portion of any transaction a member makes with any partner. If a member pays anything, that payment goes to the partner — not to NSCN. NSCN has no role in, knowledge of, or liability for any financial arrangement between a member and a partner.

All subscription payments made by Partners, Anchors, and Sponsors to NSCN are final and non-refundable. No refunds, credits, partial credits, exchanges, or reversals will be issued once a transaction has been completed.

Subscriber fees are paid in exchange for access to the NSCN routing ecosystem only. Access is granted immediately upon payment. Because access is digital and delivered instantly, it is non-returnable by nature. Subscription to NSCN does not guarantee any specific outcome, volume of members, referrals, leads, revenue, or results of any kind.

No refund will be issued for any reason. The following is a non-exhaustive list of circumstances under which no refund will be provided to any subscriber:

• Change of mind or dissatisfaction with network results
• Failure to use or activate network access after subscription payment
• Misunderstanding of what a subscription provides or does not provide
• Dissatisfaction with the volume or quality of member routing received
• Duplicate subscription purchases made in error by the subscriber
• Technical difficulties on the subscriber’s end (device, browser, connectivity)
• Early cancellation of subscription before the billing period ends
• Business circumstances, financial hardship, or change in business model
• Disputes with members encountered through the network
• Failure to meet NSCN subscriber conduct requirements after joining
• Removal or suspension from the network due to conduct violations
• Failure to read or review this policy or the Terms of Service prior to subscribing
• Any other reason not specifically listed above

Initiating a chargeback or payment dispute with your bank, credit card issuer, or payment processor without first contacting NSCN directly constitutes a material breach of this Agreement.

NSCN maintains complete records of all transactions including purchase timestamp, checkout consent confirmation, IP address, access delivery logs, and all subscriber communications. This evidence will be submitted in full to your financial institution upon any dispute filing.

• Immediately suspend or permanently terminate network access
• Submit complete evidence of service delivery, this policy, and checkout consent to the payment processor and issuing bank
• Pursue recovery of disputed funds, chargeback fees, and all associated penalties through available legal remedies
• Permanently ban the associated account, email address, and payment method from the NSCN platform
• Report the dispute to applicable fraud prevention networks

NSCN operates on a pure subscription model. NSCN does not earn, accept, collect, or receive commissions, referral fees, revenue shares, kickbacks, or any form of compensation tied to any transaction between a subscriber and a member.

When a subscriber provides services to a member and is paid for those services, 100% of that payment belongs to the subscriber. NSCN has no claim to any portion of it, takes no cut of it, and has no involvement in it. The subscriber-to-member service relationship is entirely separate from the subscriber’s relationship with NSCN.

• NSCN earns: Flat subscription fees paid by Partners, Anchors, and Sponsors for network access
• NSCN does not earn: Commissions, referral fees, revenue shares, or any cut of partner service revenue
• Partners keep: 100% of all fees they charge for their own services to members
• Members pay NSCN: Nothing. Zero. Ever.

NSCN is not responsible for any fee, charge, or payment that a member makes to a subscriber or partner. Those transactions occur entirely outside of NSCN and are solely between the member and the partner.

Members are advised that certain professional services available through the network may carry fees charged by the partner — not by NSCN. It is the member’s responsibility to understand what they are being charged for and by whom before making any payment to any partner.

• NSCN does not set, approve, or have knowledge of fees that partners charge members
• NSCN does not process, receive, or handle any payment from a member to a partner
• The financial relationship between a member and a partner is entirely independent of NSCN
• NSCN’s relationship with a subscriber ends at the subscription — it does not extend to that subscriber’s service transactions
• NSCN cannot issue refunds for charges it did not collect

If a member has a dispute about a fee charged by a partner, that dispute must be taken up directly with the partner, or reported to NSCN for partner conduct review at nscn@findsecondchance.com NSCN will not and cannot process refunds for transactions it was not a party to.

Subscribers are solely responsible for ensuring that a NSCN subscription meets their needs before completing payment. All subscription tiers, terms, and conditions are available for review prior to purchase.

• Review all available service descriptions, subscriber tier details, and Terms of Service before subscribing
• Confirm eligibility and readiness to comply with the NSCN Partner Conduct Standard
• Understand that subscription provides network access only — not guaranteed leads, member volume, or revenue
• Contact NSCN with any questions before subscribing, not after

By clicking any checkout confirmation on FindSecondChance.com, you confirm all of the following:

• You have read and understood this No Refund Policy in its entirety
• You agree that all subscription sales are final and no refund will be issued
• You understand that your fee is for network access only and does not guarantee any specific result
• You have reviewed the NSCN Terms of Service
• You are authorizing the charge and waiving any right to dispute a legitimate transaction

This consent is recorded at the time of transaction and constitutes a binding agreement incorporated by reference into the NSCN Terms of Service.

NSCN may, at its sole and absolute discretion, issue a credit or service adjustment only in the following narrow circumstances. This is not a right.

• A verified technical failure on NSCN’s end that directly prevented subscription access and cannot be remedied within a reasonable timeframe
• A duplicate charge that occurred due to a documented billing system error on NSCN’s end

NSCN enforces this policy without exception. Violations — including unauthorized chargebacks — will be pursued through all available legal and administrative channels.

This policy shall be governed by and construed in accordance with the laws of the State of Texas. Any disputes arising under this policy shall be subject to the exclusive jurisdiction of the courts located in Harris County, Texas.

Before taking any action regarding a subscription payment — including contacting your bank — contact NSCN directly. We respond within 2 business days.