Refund & Return Policy
Effective Date: September 7, 2026
Thank you for purchasing from RepoForms.com (“RepoForms,” “we,” “us,” or “our”).
Because RepoForms products consist primarily of digital documents, templates, policies, procedures, forms, and customized compliance materials, our refund policy differs from that of traditional physical products.
By placing an order with RepoForms, you acknowledge and agree to the following Refund & Return Policy.
1. Digital and Customized Products
RepoForms products are digital products. Certain products include customization based on information supplied by the purchaser.
Once an order has been submitted, RepoForms may begin preparing, customizing, formatting, or otherwise processing the purchased materials.
Because customized documents are prepared specifically for the purchaser, customized products are generally non-refundable once customization or document preparation has begun.
2. Cancellation Before Processing Begins
A purchaser may request cancellation of an order before RepoForms has begun processing or customizing the order.
If the cancellation request is received and approved before work on the order has begun, RepoForms may issue a full refund of the amount paid.
Once document preparation or customization has begun, the order may no longer be eligible for cancellation or refund.
3. Completed Customized Orders
Once customized documents have been prepared and delivered, the sale is considered final.
RepoForms does not accept returns of completed digital documents because digital products cannot be physically returned.
A purchaser’s decision not to use the documents, change in business circumstances, change in compliance strategy, or determination that the documents are not needed does not create a right to a refund.
4. Errors in Customization
If RepoForms makes an error in a document as a direct result of incorrectly processing information that was accurately supplied by the purchaser, RepoForms will make reasonable corrections to the affected document at no additional charge.
The purchaser should notify RepoForms of any such error within seven (7) calendar days after delivery.
RepoForms is not responsible for errors resulting from information that the purchaser supplied incorrectly, incompletely, or inaccurately.
Corrections to an actual RepoForms preparation error do not constitute a refund.
5. Purchaser-Requested Changes
Reasonable corrections resulting from a RepoForms preparation error will be made at no charge.
Changes requested by the purchaser because of:
- A change in business practices;
- A change in personnel;
- A change in operational procedures;
- A change in the purchaser’s preferences;
- Additional information that was not originally supplied;
- Incorrect or incomplete information originally supplied;
- A change in the purchaser’s legal or regulatory interpretation; or
- A request for additional language or material not included in the purchased product
may constitute additional work and may be subject to an additional charge.
RepoForms will communicate any applicable additional charge before performing such work.
6. Legal or Regulatory Changes
RepoForms does not provide refunds because a law, regulation, court decision, regulatory interpretation, client requirement, contractual requirement, or industry practice changes after purchase.
Compliance requirements can change after a document has been prepared or delivered.
Purchasers are responsible for reviewing and updating their policies and procedures as necessary and for obtaining qualified professional advice regarding changes that may affect their operations.
7. Failure to Establish Legal or Contractual Compliance
RepoForms does not guarantee that its documents will satisfy every legal, regulatory, licensing, contractual, lender, creditor, forwarder, client, insurer, auditor, or other requirement applicable to a purchaser.
A purchaser’s determination that a RepoForms document does not satisfy a particular requirement is not, by itself, grounds for a refund.
RepoForms products are documentation resources and are not a certification, audit, legal opinion, or guarantee of compliance.
8. Duplicate Orders
If a purchaser accidentally places the same order more than once, the purchaser should contact RepoForms as soon as possible.
If the duplicate order has not yet been processed, RepoForms may cancel the duplicate order and issue a refund.
If work has already begun on the duplicate order, the duplicate order may be subject to the same limitations applicable to customized products.
9. Payment Errors
If you believe you were charged incorrectly, contact RepoForms promptly so the transaction can be reviewed.
Refunds for verified duplicate charges or other confirmed billing errors will be handled on a case-by-case basis.
10. Failed or Undeliverable Delivery
RepoForms is not responsible for delivery failures caused by:
- An incorrect email address supplied by the purchaser;
- A full or inaccessible email inbox;
- Email filtering or spam settings;
- Blocking of RepoForms communications;
- Failure to provide requested information;
- Failure to respond to RepoForms communications; or
- Other circumstances outside RepoForms’ reasonable control.
If a purchaser does not receive an expected delivery, the purchaser should contact RepoForms so that the delivery information can be verified and the documents can be resent when appropriate.
11. Chargebacks and Payment Disputes
Before initiating a chargeback or payment dispute, purchasers are encouraged to contact RepoForms so that the issue can be investigated and resolved when possible.
Unauthorized chargebacks or payment disputes concerning products that were properly delivered may result in suspension of the purchaser’s account or restriction of future purchases, to the extent permitted by law.
Nothing in this section limits a purchaser’s rights under applicable law.
12. How to Request a Refund or Cancellation
Refund or cancellation requests should be submitted to:
Please include:
- Purchaser’s name;
- Order number;
- Email address used for the order;
- Product purchased; and
- Reason for the request.
RepoForms will review the request and determine eligibility under this policy.
13. Refund Processing
When a refund is approved, the refund will generally be issued to the original payment method.
The time required for the refund to appear in the purchaser’s account may depend on the purchaser’s financial institution or payment processor.
RepoForms is not responsible for delays caused by banks, credit-card companies, payment processors, or other third parties.
14. Exceptions Required by Law
Nothing in this Refund & Return Policy is intended to eliminate or restrict any refund, cancellation, consumer, or other right that cannot lawfully be waived or restricted under applicable law.
Where applicable law requires a different refund or cancellation right, that law will control.
15. Changes to This Policy
RepoForms may update this Refund & Return Policy from time to time.
Any updated policy will be posted on RepoForms.com with a revised effective date.
16. Contact
Questions regarding this Refund & Return Policy may be directed to:
RepoForms.com
Orders@RepoForms.com
RepoForms.com
Documents for the Collateral Recovery Industry