Refund & Cancellation Policy

1. Overview

This Refund & Cancellation Policy outlines the terms for refunds and cancellations for Our Business Owners ("OBO") services, including memberships, event tickets, and other purchases.

2. Membership Subscriptions

2.1 Cancellation

You may cancel your membership subscription at any time through your account settings. Upon cancellation:

• Your membership will remain active until the end of your current billing period
• You will not be charged for the next billing period
• Access to membership benefits will end at the conclusion of the paid period

2.2 Refunds

Membership fees are generally non-refundable. However, we may consider refund requests on a case-by-case basis under the following circumstances:

• Technical issues preventing access to services
• Duplicate charges or billing errors
• Requests made within 7 days of initial purchase (new members only)

3. Event Tickets

3.1 Standard Events

For regular OBO events:

• Full refund: Cancellation 7+ days before the event
• 50% refund: Cancellation 3-6 days before the event
• No refund: Cancellation less than 3 days before the event

3.2 Special Events (Conferences, Golf Tournaments, etc.)

Special events may have specific refund policies that will be clearly stated at the time of purchase. Generally:

• Full refund: Cancellation 14+ days before the event
• 50% refund: Cancellation 7-13 days before the event
• No refund: Cancellation less than 7 days before the event

3.3 Event Cancellation by OBO

If OBO cancels an event, ticket holders will receive a full refund or the option to transfer their ticket to a future event.

4. Sponsorships

Event sponsorship purchases are generally non-refundable once confirmed. Refund requests must be submitted in writing at least 30 days before the event and will be reviewed on a case-by-case basis.

5. Coin Purchases

OBO Coin purchases are non-refundable once credited to your account. Unused coins do not expire and remain available for future use.

6. How to Request a Refund

To request a refund:

1. Email support@ourbusinessowners.com with "Refund Request" in the subject line
2. Include your account email and order/transaction details
3. Explain the reason for your refund request
4. Allow 5-7 business days for review and response

7. Refund Processing

Approved refunds will be processed to the original payment method within 5-10 business days. Depending on your financial institution, it may take additional time for the refund to appear in your account.

8. Exceptions

We reserve the right to make exceptions to this policy at our discretion. Extenuating circumstances such as medical emergencies or other unforeseen situations will be considered on a case-by-case basis.

9. Contact Us

For questions about refunds or cancellations, contact us at:
Email: support@ourbusinessowners.com