All sales are final. By submitting payment, Client agrees to The Black Sheep Therapist LLC's strict no-refund policy. If a payment plan is selected, all remaining installments are due and payable regardless of continued participation, and Client authorizes The Black Sheep Therapist LLC to charge the payment method provided for all scheduled installments without separate authorization. Client agrees not to initiate a chargeback, dispute, or reversal of any payment. Client is responsible for any fees associated with recovering payment on chargebacks or disputes, including collection fees. If Client uses third-party financing (such as Affirm or Klarna), no refund will be issued by The Black Sheep Therapist LLC, regardless of the status of the third-party financing arrangement.