Refund Policies

General Refund Policy

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Last Updated: December 2025

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At Mosaic Virtual Business Consulting Group, we value transparent, ethical, and mutually beneficial client relationships. Our refund policy is designed to fairly protect both our clients and our consulting team while recognizing the professional time, expertise, and resources committed to each engagement.

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1. General Policy Overview

Because consulting services involve the delivery of time, expertise, analysis, and intellectual capital, refunds are not automatic. However, we believe in accountability and fairness. Refunds may be granted under clearly defined circumstances outlined below.

All refund considerations are evaluated in good faith and handled professionally.

2. Eligibility for Refunds

Refunds may be considered when:

• Services have not yet begun, and written cancellation is received prior to the start date

• Mosaic Virtual Business Consulting Group is unable to deliver services due to internal constraints

• There is a material failure to deliver agreed-upon services as defined in the signed proposal, agreement, or Statement of Work (SOW)

Refunds are evaluated based on the scope of work completed, time invested, and deliverables already provided.

3. Non-Refundable Services

The following are generally non-refundable:

• Services that have already been rendered

• Time spent on consultations, strategy sessions, research, analysis, or preparation

• Delivered or partially delivered work products

• Retainer fees once the retainer period has begun

• Services delayed or impacted due to client-provided delays, incomplete information, or lack of participation

Professional time reserved and committed is considered earned once services commence.

4. Partial Refunds and Service Credits

In some situations, a partial refund or service credit may be offered, including:

• Early termination of an engagement by the client

• Mutual agreement to pause or discontinue services

• Scope changes that reduce the original workload

When applicable, Mosaic Virtual Business Consulting Group may offer:

• A prorated refund for unused services, or

• A service credit that may be applied to future engagements

Service credits are non-transferable and typically expire within 6 months of end of initial contract agreement.

5. Client Satisfaction and Resolution First

Before any refund is issued, we encourage clients to engage in a resolution discussion. In many cases, concerns can be addressed through:

• Clarification of expectations

• Scope realignment

• Revised deliverables

• Additional guidance or adjustments

Our goal is successful outcomes—not premature disengagement.

6. Refund Request Process

To request a refund, clients must:

• Submit a written request within [insert timeframe, e.g., 14 days] of the issue

• Provide a clear explanation of the concern

• Reference the applicable agreement or SOW

All requests are reviewed carefully and responded to within a reasonable timeframe.

7. Payment Method and Timing

Approved refunds will be issued using the original payment method whenever possible. Processing times may vary depending on the payment provider and financial institution.

8. Good Faith Clause

This refund policy is governed by principles of good faith, fairness, and professional integrity. Mosaic Virtual Business Consulting Group reserves the right to deny refund requests that fall outside the scope of this policy or that involve misuse of services, bad-faith actions, or violation of contractual terms.

9. Policy Updates

This Refund Policy may be updated periodically to reflect operational, legal, or business changes. The most current version will always be available on our website.