Debt Free Expertise is essentially an educational product with coaching.

All of the content of Debt Free Expertise is protected by both domestic

and international copyright through various treaties between nations.

Our guarantee period is 14 days from the date of Purchase. If you notify

us within the 14 day period and tell us that you wish to ask for a refund,

we will honor your request according to the following conditions. Since

you have already received the information which is intellectual property,

it would be unfair for you to both use the property and also ask for a

refund. Hence, for you to receive a refund we ask that you complete the

NDNCND (non-disclose, non-circumvent, non-disparage) document which

you will find below. You will need to both copy it and sign it with two witnesses,

and notarized. Then return it to us within 7 days of your refund request date.

You should receive your refund within 7-10 banking days from our receipt

of your document, depending upon your own bank. We think this is only

fair to ask you to agree not to use the product and not to share the

product with others if you are not going to pay for the product. We

would be most pleased to actually see you use the product and benefit

from it and actually receive referral fee commissions for sending other

enrolling customers to us. However, that choice is completely yours to

make. You may have extenuating circumstances that we are unaware of.

We understand.

Here follows the NCND Document for you to print:

Non-Disclose and Non-Circumvent Agreement

This Agreement is made for the benefit of Charles Christmas, LLC DBA

Debt Free Expertise (hereinafter referred to as "CCLLC") with email address

of [email protected], in regard to the purchase and return of a

financial educational product commonly known as Debt Free Expertise.

Here follows the name and contact information of the customer returning

the product, i.e. the Returner.

Name: ___________________________________________

Physical address: __________________________________

City: ______________ State: _______ Zip code:_________

Email address: ____________________________

Mobile Number: ___________________________Paragraph

1. No Use and No Disclosure. The Returning Customer (hereinafter

referred to as "Returner" agrees not to use this product referen

above, and also agrees not to disclose this product nor any information

nor any concepts regarding this product to any Third Party.

2. Destruction of Property. Returner agrees to destroy any and all copies

of product and information from CCLLC.

3. Liquidated Damages for Violations. Both Returner and CCLLC agree

that any violations of this agreement are subject to a liquated damages

award of $2500 (two thousand five hundred) for each violation whether

direct or consequential. The violator will be responsible for all reasonable

legal costs of CCLLC in any legal remedy where CCLLC prevails.

4. Term of Agreement This Agreement shall remain in force for a period

of fifteen (15) years from the original date of purchase of the product.

5. Governing Law. This agreement shall be governed by the laws of the

State of Nevada. Any conflicts of law shall be resolved by used Nevada

Law.

6. Notices Notices shall be sent by email at the addresses listed above.

SIGNATURES

//CHARLES CHRISTMAS //_DATE 8-14-2024

Charles Christmas, LLC

___________________________ Date: _________

Print name here: _________________________

Returning Customer: _____________________

Witnesses: _______________________________

_______________________________ Date: _________

______________________________ Date: _________

Notarization below: