Refund Policy

At Stone Rose Holdings LLC ("Stone Rose"), we are committed to delivering exceptional educational resources that help you build clarity, confidence, and a lasting financial legacy. We want every interaction with our products to meet the standard of quality our community expects.

Please read this policy carefully before making a purchase. By completing a transaction on www.stoneroseholdingsllc.com, you confirm that you have read, understood, and agreed to the terms outlined below.

1. Nature of Our Products

Stone Rose offers digital educational products, including but not limited to:

• Retirement planning calculators and interactive tools
• Downloadable guides, workbooks, and checklists
• Educational e-books and reading resources
• Lead magnet content and free downloadable resources
• Future paid memberships, subscription plans, and online courses

Because these products are delivered digitally and provide immediate access to proprietary educational content, special considerations apply to refund eligibility as outlined below.

2. Digital Products — General Policy

All digital products sold through Stone Rose are generally non-refundable once they have been accessed, downloaded, or delivered electronically. This includes PDF guides, workbooks, checklists, e-books, and calculator tools.

This policy exists because digital products are instantly accessible upon purchase — once a file has been downloaded or a digital resource has been opened, the value of the content has been conveyed.

We encourage you to review all available product descriptions, sample content, and frequently asked questions before completing your purchase.

3. Exceptions and Discretionary Refunds

While digital purchases are generally non-refundable, Stone Rose may, at its sole discretion, consider refund requests in the following circumstances:

Duplicate Purchases

If you accidentally purchase the same product more than once within a short period, please contact us at hello@stoneroseholdingsllc.com within 7 days of the duplicate transaction. Upon verification, we will issue a full refund for the duplicate charge.

Technical Delivery Failure

If you did not receive access to your purchased product due to a technical issue on our end — including failed email delivery or broken download links — please contact us within 14 days of your purchase date. We will first attempt to resolve the delivery issue. If we are unable to do so, a full refund will be issued.

Exceptional Circumstances

We understand that life is unpredictable. In rare and genuinely exceptional circumstances, we may consider a refund request at our sole discretion. To initiate such a request, please email hello@stoneroseholdingsllc.com with your order details and a brief explanation. We will respond within 5–7 business days.

Stone Rose reserves the right to deny refund requests that do not meet these criteria or where there is evidence the product content has been accessed.

4. Subscriptions and Future Memberships

If Stone Rose introduces paid subscription plans, memberships, or recurring educational programs, the following terms will apply unless otherwise stated at the time of purchase:

• You may cancel your subscription at any time through your account settings or by contacting hello@stoneroseholdingsllc.com.
• Cancellation will take effect at the end of your current billing cycle. You will retain access through the period already paid.
• Except where required by law, Stone Rose generally does not provide prorated refunds for partially used subscription periods.
• Annual subscriptions cancelled after the first 7 days of the subscription term are non-refundable for the remainder of the annual period.
• Trial periods, when offered, must be cancelled before the trial ends to avoid being charged. Charges made after an expired trial are generally non-refundable.

5. How to Request a Refund

To submit a refund request, please email us at hello@stoneroseholdingsllc.com with the following information:

• Your full name and email address used at checkout
• Order number or transaction confirmation
• Product name and date of purchase
• A brief description of your reason for requesting a refund

We strive to respond to all refund inquiries within 5–7 business days. Approved refunds will be processed back to your original payment method. Please allow up to 10 business days for the credit to appear, depending on your financial institution.

6. No Guarantee of Financial Outcomes

All products and resources offered by Stone Rose are provided for educational and informational purposes only. They do not constitute financial advice, investment recommendations, legal counsel, or tax guidance.

Stone Rose makes no representations or warranties that any particular strategy, approach, or tool will result in specific financial outcomes. Individual results will vary based on personal circumstances, financial history, market conditions, and other factors beyond our control.

You are solely responsible for any financial decisions you make based on your use of our educational content. We encourage you to consult with a licensed financial advisor, tax professional, or attorney before making significant financial decisions.

7. No Professional Relationship

The educational content, tools, calculators, newsletters, and resources provided by Stone Rose are intended for informational and educational purposes only. Your access to or use of any Stone Rose content does not create, and should not be construed as creating, any of the following relationships:

• A fiduciary relationship of any kind
• A financial advisor or investment advisor relationship
• An attorney-client relationship
• A tax advisor or accountant-client relationship
• Any other professional, fiduciary, or advisory relationship

Stone Rose is a financial education company, not a licensed investment advisor, broker-dealer, law firm, or accounting firm. Nothing we publish, share, or provide through any medium should be interpreted as personalized advice tailored to your individual financial situation. We encourage you to work with appropriately licensed professionals for guidance specific to your circumstances.

8. Changes to This Policy

Stone Rose reserves the right to modify this Refund Policy at any time. Material changes will be communicated via a notice on www.stoneroseholdingsllc.com. Your continued use of our services following any update constitutes your acceptance of the revised terms.

9. Governing Law

This Refund Policy shall be governed and interpreted in accordance with the laws of the State of Tennessee, without regard to conflict of law principles. Any disputes arising under or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts located in the State of Tennessee.