Refund Policy

Schedule of Fees

G Cinco (a brand of Cinco Capital Lab LLC) offers one service, charged via Square at checkout:

• Credit & Funding Consultation: $350 (one-time)

References below to “the Service Fee” mean the total amount paid at checkout.

3-Day Right to Cancel (Federal CROA Right)

Under the Credit Repair Organizations Act (15 U.S.C. § 1679e), you have the right to cancel your contract with G Cinco without penalty or obligation within three (3) business days after signing it (Saturdays excluded; Sundays and federal holidays excluded if your state observes them).

To cancel within the 3-day window, simply email support@cincocapitallab.com with the subject line “Cancel — 3-Day Right.” You will receive a 100% refund within 5 business days, processed back to your original payment method via Square.

Cancellation After Day 3

After the 3-day cancellation window expires, refunds of the Service Fee are issued on a pro-rated basis based on the work completed:

• Before any disputes have been filed — full refund, minus a $25 administrative fee covering onboarding review.
• After Round 1 disputes have been filed across all 3 bureaus — 50% refund. Round 1 represents approximately 40% of the work performed for a typical case.
• After Round 2 escalation filings — 25% refund.
• After Round 3 escalation or completion — no refund. Service has been substantially performed.

No Subscriptions or Recurring Charges

The Credit & Funding Consultation is a single one-time charge. There is no subscription, no recurring billing, no per-letter fee, and nothing to cancel after the work is complete. You will never be charged again without separately authorizing a new purchase.

Conditions That Are NOT Grounds for Refund

• The bureaus or creditors verified an item as accurate (we successfully filed the dispute; the outcome is the bureau’s decision, not ours)
• You did not enroll in MyFreeScoreNow or did not provide the required onboarding documents within 30 days, blocking us from performing the work
• A disputed item was re-reported by a creditor after deletion (the deletion did happen — re-reporting is a separate issue we’ll help with at no additional charge)
• Your credit score did not increase by a specific amount (we never guarantee a specific score outcome — federal law prohibits it)

Chargebacks

If you initiate a credit-card chargeback before contacting us, we will be unable to issue any refund and may report the chargeback to Square’s dispute network. We strongly prefer to resolve disputes directly — please email us first.

How to Request a Refund

Email support@cincocapitallab.com with:

1. The email address used at checkout
2. The Square receipt number or last 4 digits of the card used
3. A brief description of why you’re requesting the refund

We respond within 2 business days. Approved refunds are processed within 5 business days and typically appear on your statement within 5–10 business days, depending on your bank.

Contact

G Cinco — a brand of Cinco Capital Lab LLC
1164 Bishop St, Ste 940 #742, Honolulu, Hawaii 96813
support@cincocapitallab.com
808-970-3144