Cotual LLC Refund Policy

Last updated: October 31, 2026

If you have signed a Service Agreement with Cotual LLC, refunds for your engagement are governed by that Service Agreement. This Refund Policy applies as a supplement. Where the two conflict, the Service Agreement prevails.

1. Overview of Services

Cotual LLC provides consulting, guidance, and procedural support for non-US founders seeking to establish a U.S.-compliant business and payment infrastructure. Services may include guidance related to:

  • U.S. LLC or corporate formation

  • EIN application process

  • U.S. business bank account setup

  • Stripe application preparation and approval support

  • Structural Consultation for an existing U.S. business structure

Cotual LLC does not act as a legal representative, does not submit applications on behalf of clients, and does not control or influence decisions made by third-party institutions. All services are advisory and guidance-based.

2. Refund Eligibility

A 100% refund of the Cotual Consulting Fee is available only under the following conditions.

All of the following must be true:

  1. The client's business model, products, and services fully comply with the terms and policies of Stripe, the selected bank, and the relevant authorities at the time of application; and

  2. The client follows all instructions, documentation requests, timelines, and compliance requirements provided by Cotual LLC without deviation, and obtains Cotual LLC's approval before every action in the setup process; and

  3. A covered outcome (U.S. entity formation, EIN issuance, U.S. business bank account approval, or Stripe account activation) cannot be achieved solely due to the third party's eligibility decision, despite full and correct execution of the guided process.

Before any refund, Cotual LLC will exhaust all viable alternative providers, secondary applications, and re-submission strategies, and will confirm in writing that it has done so. For a Structural Consultation, the covered outcomes are set out in the client's Service Agreement.

If all conditions above are met, Cotual LLC will refund only the Cotual Consulting Fee paid to Cotual LLC, within ten (10) business days of that written confirmation. The client's bank or card provider may take additional time to reflect the refund.

3. Non-Refundable Situations

No refunds will be issued in any of the following situations:

  • The client cancels after payment, including before onboarding or before signing the Service Agreement

  • The client provides false, misleading, inconsistent, or incomplete information

  • The client fails to follow instructions, timelines, or documentation requirements

  • The client takes any action in the setup process without Cotual LLC's approval

  • The client becomes unresponsive for 14 consecutive days or more during the process

  • The client changes or pivots their business model after onboarding

  • The business operates in a restricted, prohibited, or high-risk category

  • Stripe or the bank rejects the application due to policy violations, risk flags, or misrepresentation

  • A covered outcome cannot be achieved because Stripe, a bank, or a regulator changes its policies, beyond Cotual LLC's control

  • The client chooses to stop, pause, or abandon the process after work has begun

  • The client decides the service is "no longer needed" or "not a priority"

  • Digital products, such as the Non-US Founder Toolkit, are non-refundable once delivered

All government fees, state filing fees, bank fees, platform fees, and third-party service costs are non-refundable, as they are paid directly to external providers and are outside Cotual LLC's control.

4. Scope and Limitations of Guarantee

Cotual LLC guarantees professional guidance, correct structuring, and procedural support, not outcomes controlled by third parties.

The conditional guarantee applies only to:

  •  U.S. entity formation

  • EIN issuance

  • U.S. business bank account approval

  • Stripe account activation

The guarantee does not apply to:

  • Government processing timelines

  • EIN issuance delays

  • State or federal processing backlogs

  • Policy changes imposed by Stripe, banks, or regulators

Approval decisions are made solely by third-party institutions. Cotual LLC does not promise that any third party will approve an application. Where a covered outcome cannot be achieved despite the client's full compliance, the remedy is the refund set out in Section 2.

5. Chargebacks and Payment Disputes

Clients agree to contact Cotual LLC directly to attempt resolution before initiating any chargeback or payment dispute.

Any chargeback or dispute filed without prior written communication:

  • Voids all guarantees

  • Immediately terminates all ongoing support

  • Is considered a breach of this policy

Cotual LLC reserves the right to provide documentation to payment processors to contest unauthorized chargebacks.

6. Acceptance of Policy

By submitting payment, the client confirms that they have read, understood, and agreed to this Refund Policy, including its conditions, limitations, and exclusions. For clients with a signed Service Agreement, this policy applies as published on the date of signing.

7. Contact Information

For questions regarding this policy, contact:

Cotual LLC

8301 State Line Rd Ste 220, Kansas City, MO 64114, United States

Email: musa@cotual.com