www.fernandez.foundation will not, under any circumstances, issue cash refunds or credits once charged. If the user has a question about charges made to your account, he or she should contact us immediately. If the charges were made in error, we will immediately credit the account for the appropriate or corresponding amount. Any user who disputes a credit card payment that is found to be valid is subject to a fine, suspension and account termination subject to www. fernandez.foundation discretion. Any charge back fees, past due fees and costs will be sent to collections. If our collection efforts fail, unpaid debts will be reported to all available credit reporting agencies.