Payment Terms

1. The short version

These Payment Terms ("Terms") describe how Wholesome Fitness, LLC ("Wholesome Fitness," "we," "us," or "our") bills clients ("Client," "you") for coaching services and digital products ("Services"). They are part of and incorporated by reference into our Terms of Service. By purchasing any Service, you agree to these Terms.

2. Accepted payment methods

We accept the following payment methods:

• Major credit and debit cards (Visa, Mastercard, American Express, Discover)
• U.S. bank account transfers (ACH) via Stripe
• PayPal (where offered)
• Apple Pay and Google Pay (where offered through our checkout)

We do not accept cash, paper checks, money orders, cryptocurrency, gift cards, or third-party financing. We do not store full card numbers on our own systems; payment credentials are stored and tokenized by our processors.

3. Payment processors

Payment processing is handled by:

• Stripe, Inc. for cards and ACH. Governed by the Stripe Services Agreement and Stripe Privacy Policy.
• PayPal, Inc. where PayPal is offered. Governed by the PayPal User Agreement and PayPal Privacy Statement.

By making a payment, you authorize the applicable processor to charge your selected payment method on our behalf. You are responsible for keeping your payment information accurate and current.

4. Recurring authorization

For monthly and recurring packages, you authorize Wholesome Fitness and our payment processor to:

• Charge your selected payment method on the recurring billing date for the agreed amount;
• Continue charging until you cancel in accordance with our Refund & Cancellation Policy;
• Update your stored card information using account-updater services offered by your card network or issuer when those services are available, so that recurring charges continue uninterrupted across card replacements and renewals.

You may revoke this authorization at any time by cancelling your package as described in §9 of the Refund Policy. Revocation is effective for charges that have not yet been processed.

5. Billing timing

• Monthly packages: charged in advance on the same calendar day each month, beginning on your enrollment date. If your enrollment day falls on a date that does not exist in a given month (such as the 31st), we charge on the last day of that month.
• Multi-month prepaid packages: charged in full at enrollment unless we explicitly agree to a payment plan in writing.
• In-person blocks: invoiced according to the schedule confirmed at sign-up, typically monthly for an 8- or 12-session block.
• One-time products: charged at the time of purchase.

If you start mid-month, your first charge is full price for the first full billing period unless we communicate otherwise in writing.

6. Failed payments

If a scheduled charge is declined or returned:

1. We are notified by our processor and will email you within 1 business day.
2. The processor may automatically retry the charge up to 3 additional times over the following 7 days.
3. You will have a 7-day grace period from the original failed charge date to update your payment method or pay by another accepted method.
4. During the grace period, Services will continue uninterrupted.
5. If the balance remains unpaid after the 7-day grace period, we may suspend Services (including app access, programming delivery, and scheduling) until payment is received.
6. If the balance remains unpaid for 30 days, we may terminate the engagement and refer the unpaid balance to collections, in which case you are responsible for reasonable collection costs and attorneys' fees as permitted by Florida law.

Bank-imposed fees for returned ACH or bounced payments may be added to your balance. We do not charge our own late fee.

7. Price changes

We may change Service pricing from time to time. For active recurring clients:

• Your current monthly rate is locked in for as long as your package remains continuously active without lapse.
• If we change the rate for new clients, your rate stays the same; we will not raise your rate without giving you at least 30 days' written notice.
• If you cancel and later re-enroll, the then-current rate applies.

8. Promotions, discounts, and referrals

Promotional pricing, discounts, and referral credits are subject to the terms communicated at the time of the offer. Unless otherwise stated:

• Promotions are limited to one per client and may not be combined with other offers
• Discounts apply only to the specific Service and term identified in the offer
• Referral credits are non-transferable, non-refundable, and have no cash value
• Promotional pricing reverts to standard pricing at the end of the promotional term

9. Currency and international payments

All prices are stated and charged in U.S. Dollars (USD). If you pay with a payment method denominated in another currency:

• The conversion rate, foreign-transaction fee, and any other fees are determined by your card issuer or bank, not by us.
• You are responsible for any such fees.
• Refunds, if applicable, are issued in USD; the amount you receive in your local currency may differ from the amount originally charged because of exchange-rate fluctuation.

10. Taxes

Prices listed on the Site are exclusive of taxes unless explicitly stated otherwise. You are responsible for any applicable sales tax, value-added tax (VAT), goods and services tax (GST), or similar tax assessed by your jurisdiction.

Where we are required by law to collect such taxes, they will be added to your invoice and identified separately. We collect Florida sales tax on taxable Services where required.

11. Receipts and records

You will receive an emailed receipt from our processor for each successful charge. We recommend retaining receipts for your records. Re-issued receipts and statements are available on request to Louisantonellipt@gmail.com.

12. Refunds and cancellation

Refund eligibility, cancellation procedure, and treatment of unused time are governed entirely by our Refund & Cancellation Policy. Where these Payment Terms appear to conflict with that policy on those topics, the Refund & Cancellation Policy controls.

13. Billing disputes

If you believe a charge is incorrect, contact us at Louisantonellipt@gmail.com within 60 days of the charge date. Include:

• Your full name
• The Service the charge relates to
• The amount and date of the charge
• What you believe is incorrect

We will investigate and respond within 5 business days. Most billing issues can be resolved directly without involving your card issuer or bank.

Initiating a chargeback before contacting us may result in suspension or termination of Services and recovery of chargeback fees, as described in §8 of the Refund & Cancellation Policy.

14. Changes to these terms

We may update these Payment Terms from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes that affect ongoing recurring billing will be communicated at least 30 days in advance by email. Continued use of recurring Services after a change takes effect constitutes acceptance of the updated Terms.

15. Contact

Billing questions, payment-method updates, or invoice requests:

Email

Louisantonellipt@gmail.com

Mail

Wholesome Fitness, LLC
Attn: Billing