Refund Policy
Effective Date: 10 - September - 2025
Last Updated: 01 - August - 2026
KeyFerrals LLC
7901 4TH ST N STE 300, ST. Petersburg, FL 33702
Email: support@keyferrals.com
Phone: +1 (802) 546 8628
1. INTRODUCTION
This Refund Policy ("Policy") is an integral part of your Referral Agreement executed with KeyFerrals LLC ("Company," "we," "us," "our," or "KeyFerrals"). By signing a Referral Agreement and purchasing a membership plan, you agree to all terms contained in this Policy.
This Policy establishes strict, limited conditions under which refunds may be issued. Refunds are NOT available for change of mind, dissatisfaction with referral quality, or decisions to discontinue service.
2. FUNDAMENTAL RULE: FEES ARE EARNED AND NON-REFUNDABLE
All membership fees, setup fees, and related charges paid to KeyFerrals are earned upon your execution of the Referral Agreement and are the property of KeyFerrals. These fees represent compensation for our commitment to provide referral services and are NOT held in escrow or trust.
Refunds are the exception, not the rule. Refunds are only issued in the specific, limited circumstances set out in Section 4 of this Policy. In all other circumstances, your fees are non-refundable and final.
3. NO REFUNDS FOR CHANGE OF MIND
It is absolutely prohibited to request a refund based on a change of mind, a decision to discontinue the service, dissatisfaction with the pace or volume of referrals, or any other reason not explicitly listed in Section 4 of this Policy.
Under Section 4.4(c) of your Referral Agreement:
"No refund, dispute, or chargeback shall be entertained on the basis of a change of mind, or a business decision to discontinue services, in the absence of any of the conditions enumerated in Sub-Clauses (i) through (v) above being satisfied."
This is a strict, absolute rule with no exceptions. If you have any uncertainty about your commitment to this service, do not purchase a plan.
4. QUALIFYING CONDITIONS FOR REFUNDS ONLY
A refund will be considered ONLY where one of the following specific conditions is met:
4.1 KeyFerrals Fails to Provide Referrals (Section 4.4(i))
KeyFerrals fails to provide leads at all, or violates exclusivity terms as set out in Section 2.4 of the Referral Agreement.
Process:
- You must issue a reminder to KeyFerrals in writing at support@keyferrals.com.
- If KeyFerrals fails to provide leads within one (1) month of your reminder, you may submit a refund claim.
- Refund eligibility determined by compliance at time of request.
4.2 Lead Unwilling to Transact Within Nine Months (Section 4.4(ii))
A specific referral is documented as unwilling to transact within nine (9) months of delivery.
Requirements:
- You must report this to KeyFerrals in writing within 24 hours with supporting evidence.
- You must allow KeyFerrals one (1) month to provide a replacement lead.
- If no replacement is provided, you may submit a refund claim.
4.3 Lead Already Under Agency Contract or in Prior Communication (Section 4.4(iii))
You provide documented proof, within twenty-four (24) hours of receiving the lead, that the lead was already under an agency contract with you or had been in direct communication with you within fifteen (15) days prior to the lead's delivery.
Requirements:
- Documentation (email, agreement, text, call records) must be submitted within 24 hours of lead delivery.
- KeyFerrals will verify and provide a replacement lead if valid.
4.4 Lead Non-Responsive for Ten Working Days (Section 4.4(iv))
A specific referral is non-responsive for ten (10) working days after you have made documented contact attempts.
Requirements:
- You must report this to KeyFerrals in writing within 24 hours with documentation of contact attempts.
- You must allow KeyFerrals one (1) month to provide a replacement lead.
- If no replacement is provided, you may submit a refund claim.
4.5 Leads Outside Preferred Area NOT Refundable (Section 4.4(v))
If you have agreed to receive leads from zip codes or areas outside your preferred location, those leads are part of your monthly allocation and are NOT eligible for refund or replacement.
This condition does NOT entitle you to a refund. It clarifies that expanded coverage areas are binding.
5. MANDATORY REPLACEMENT PROCESS BEFORE REFUND CLAIM
Before submitting a refund claim, you must complete this mandatory process. Skipping any step forfeits your right to a refund.
Step 1: Written Report to KeyFerrals
- Submit written report to support@keyferrals.com detailing the specific issue with the lead(s).
- Include the lead's name, delivery date, the specific qualifying condition from Section 4, and supporting documentation.
- This report must be submitted within the timeframes specified in Section 4 above.
Step 2: One-Month Replacement Period
- KeyFerrals enters a one (1) month period to provide you with a replacement lead.
- Do not submit a refund claim during this period; the replacement process must be allowed to work.
- KeyFerrals will communicate progress during this period.
Step 3: Outcome
- If KeyFerrals provides a suitable replacement lead, your issue is resolved and no refund is due.
- If KeyFerrals cannot provide a replacement within one month, you may proceed to Step 4.
Step 4: Formal Refund Claim
- You may submit a formal written refund claim to support@keyferrals.com.
- Your claim must reference your original report and confirm that the one-month replacement period has elapsed without result.
Step 5: Compliance Review and Response
- KeyFerrals Compliance Department will review your claim within ten (10) working days.
- Compliance will determine: (a) whether a refund is warranted, and (b) the refund amount using the calculation in Section 6.
- Compliance will notify you in writing of the decision and, if approved, the refund amount.
6. REFUND AMOUNT CALCULATION
No refund is a full refund of the amount you paid. All approved refunds are partial and calculated by deducting costs incurred by KeyFerrals:
Refund Amount = (Amount Paid) - (Partial Marketing Deduction) - (Service Costs) - (Accepted Referral Value)
6.1 Partial Marketing Deduction
KeyFerrals runs paid advertising campaigns to source and acquire leads for you. When a refund is approved, a partial amount representing marketing and advertising costs incurred is deducted from your refund. This is NOT a full deduction of all marketing spend; only a reasonable portion is deducted.
Example: If you paid $600 and KeyFerrals deducts $200 for partial marketing costs, $400 remains for further calculation.
6.2 Service Costs Deduction
Other costs directly incurred in servicing your account, including but not limited to verification costs, platform fees, and administrative expenses, may be deducted from your refund. These deductions are determined by KeyFerrals Compliance.
6.3 Accepted Referral Value Deduction
Any referral delivered to you that was NOT denied within twenty-four (24) hours is deemed accepted. Accepted referrals have value and are deducted from your refund amount. The value per accepted referral depends on the number of referrals in your selected plan and is determined on a case-by-case basis by KeyFerrals Compliance at the time of your refund request.
The Compliance Department will provide you with a detailed breakdown of the calculation, including:
- Total amount paid by you;
- Partial marketing deduction amount;
- Service cost deduction amount;
- Number of accepted referrals and their total deducted value;
- Remaining refund amount (if any).
Example:
- Amount Paid: $600
- Partial Marketing Deduction: $200
- Service Costs: $50
- Accepted Referrals (3 referrals, $50 per referral): $150
- Refund Amount: $600 - $200 - $50 - $150 = $200
6.4 Reimbursement of Setup Fee
Under Section 4.3 of your Referral Agreement, you are eligible for full reimbursement of the Setup Fee upon completing the required closings for your selected plan. If you have completed your first closing and qualify for reimbursement, the reimbursement amount will be added back to your account as a credit toward future services, or will be refunded to your original payment method, as determined by KeyFerrals.
6.5 Processing Timeline
Approved refunds will be processed and returned to your original payment method within fourteen (14) business days of approval. Allow an additional five (5) to ten (10) business days for the refund to appear in your account.
7. AUTOMATIC ACCEPTANCE OF REFERRALS
7.1 Definition of Acceptance
Under Section 3.1 of your Referral Agreement, a referral is deemed accepted upon delivery unless you provide written denial within twenty-four (24) hours.
7.2 What Constitutes Delivery
A referral is delivered when:
- An email is sent to your registered email address;
- A text alert is sent to your registered phone number;
- The referral is made available in your account portal; or
- Any other method specified in your Referral Agreement is used.
7.3 Consequences of Acceptance
Once accepted, you irrevocably waive all rights to dispute, deny, or claim a refund for that referral, except where the referral later meets one of the specific conditions in Section 4 (unwilling to transact, non-responsive, already under contract).
7.4 How to Deny a Referral
To deny a referral, submit written notice to support@keyferrals.com within twenty-four (24) hours of delivery. Brief explanation required (e.g., "outside service area," "already represented," "does not meet requirements").
8. CHARGEBACK CONSEQUENCES
8.1 Chargeback Prohibition
Filing a chargeback with your bank or card issuer without first completing the mandatory steps in Section 5 is a material breach of your Referral Agreement.
8.2 Automatic Forfeiture
If you file a chargeback without following the required refund request process, you automatically forfeit any and all refund rights under this Policy.
8.3 Consequences of Improper Chargeback
Filing a chargeback in violation of this Policy results in:
- Immediate termination of your Agreement without notice and without refund;
- Forfeiture of all amounts paid, including any setup fees;
- KeyFerrals will contest the chargeback in full with all documentation;
- You will be liable for all chargeback fees, bank fees, payment processor fees, and all other costs incurred by KeyFerrals in defending the chargeback;
- KeyFerrals reserves the right to pursue legal action against you for damages, including recovery of all fees and costs;
- The matter may be reported to fraud databases and payment processors.
Under Section 4.5(xii) of your Referral Agreement:
"In the event a chargeback filed by the Agent/Broker is denied, reversed, or ruled in favor of Keyferrals by the financial institution, the Agent/Broker shall be liable for all fees, administrative charges, and costs incurred by Keyferrals as a direct result of such chargeback proceeding."
9. TERMINATION FOR MISCONDUCT
Under Section 6.1 of your Referral Agreement, KeyFerrals may immediately terminate your Agreement without notice and without refund if you engage in misconduct, including:
- Providing false or misleading information in a refund request;
- Abusive, offensive, or unprofessional language or conduct toward KeyFerrals staff;
- Filing a chargeback without following the required process;
- Attempting to circumvent referral fees;
- Violating applicable laws.
Upon termination for misconduct, all refund rights are forfeited, and all amounts paid are fully earned and non-refundable.
10. STRICT SUBMISSION REQUIREMENTS
10.1 Written Submission Only
All refund requests must be submitted in writing to support@keyferrals.com. Verbal requests made by phone, voicemail, text, or in-person are not valid and will not be considered.
10.2 Required Information
Your written request must include:
- Your full name and account information;
- Date of Referral Agreement execution and payment;
- Specific condition from Section 4 that you believe applies;
- Supporting documentation (emails, screenshots, referral details, dates, times);
- Any other relevant information.
Incomplete requests will not be reviewed and will be returned to you for clarification.
10.3 Refund Request Window
All refund requests must be submitted within sixty (60) days of your Referral Service Acceptance date (the date you executed your Referral Agreement and completed payment).
Requests submitted after sixty (60) days are automatically denied and will not be reviewed.
11. NO APPEALS OR EXCEPTIONS
The decisions of KeyFerrals Compliance regarding refund eligibility and refund amounts are final and binding. There is no appeals process.
12. CONTACT INFORMATION
For all refund-related inquiries and submissions:
Email: support@keyferrals.com
Phone: +1 (802) 546 8628
Mailing Address: KeyFerrals LLC, 7901 4TH ST N STE 300, ST. Petersburg, FL 33702
Subject Line (Email): "Refund Request - [Your Name]"