Policies & Terms

Billing Policies

BILLING POLICIES: Full Spectrum Productivity®, LLC wants you to be familiar with policies and procedures so that things can run smoothly between us. Please read these very carefully so that there are no misunderstandings later on.

The procedures, practices, policies, and benefits described here may be modified or discontinued from time to time. We will try to inform you of any changes as they occur.

Should you have any questions, please email info@fullspectrumproductivity.com.

Usage of our services constitutes customer’s acceptance of Full Spectrum Productivity®, LLC’s billing policy. Following is the billing policy with which all customers must comply:

Payment Options

We accept Credit Card only. Other options must be approved.

General Policies

Customers are responsible for keeping all credit/debit card details and contact information current. Please email info@fullspectrumproductivity.com inform us of any changes.

All contracted fees are automatically charged to the credit/debit card on file.

Payment receipts are available to customers upon request.

Delinquency Policies

Credit/Debit Card Billing: All credit/debit cards are automatically charged on the customer’s specific billing cycle date or, if a payment plan is selected, every 30-days from the initial purchase. If the credit/debit card is declined, we will continue to attempt to charge the card on file every three days for 30 days (up to 10 times).

Delinquent Accounts: All accounts 30 days past due may be disabled or de-activated until balances are paid in full.


Returned Item Fee: There is a $50.00 insufficient funds check fee for returned checks in addition to the amount still due.

Late Fee: Invoices which remain unpaid after 30-days may be assessed a late fee of $50.00 per month.

Chargebacks: If a customer initiates a chargeback, we will assess a $250.00 processing fee for each individual chargeback.

Collections Fee: In the event, an account is submitted to a third-party collections service, the client will be responsible for the full amount of the collections fees, in addition to any other fees previously assessed on the account.


Cancellation of an account does not dismiss outstanding invoices or the contracted commitments. At the time of cancellation, any outstanding balance must be settled. All canceled accounts with an outstanding balance may be automatically turned over to a third-party collection service.

Billing Disputes

As a current or prior customer, each customer agrees to provide 30 days to attempt settlement of any billing dispute before disputing with any third-party credit/debit card company or bank. We must be the first option in billing disputes. Full Spectrum Productivity®, LLC receive a chargeback from a third-party credit/debit card company or bank on the customer’s behalf before we have been given a chance to resolve the issue, we have the right to collect on the rendered services and any fees associated with those disputes. Regardless of the outcome of the chargeback, Full Spectrum Productivity®, LLC retains the right to collect on any rendered services or fees that are due. Full Spectrum Productivity®, LLC will submit any disputed amounts to a collection agency. Once a chargeback has been received, we will immediately suspend the account until the matter is resolved.


Our policy at Full Spectrum Productivity®, LLC is that all sales are final. There are no refunds, and you are responsible for the full amount of the order, whether you pay in full or choose a payment plan. Some of the programs we offer do have guarantees. Refer to your specific program agreement for this information. We understand there are extenuating circumstances that may prevent you from adhering to your original agreement. As such, in special circumstances as approved by Full Spectrum Productivity®, LLC in writing, if you have paid in full for a program, you may be approved to apply payments to secure a spot in another program or event within 12 months. These requests must be made within 30 days of submitting payment. By placing your order with us, you are indicating your agreement to these terms.

Affiliate Links

Full Spectrum Productivity is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com, AmazonSupply.com, or Myhabit.com. 

Full Spectrum Productivity also participates in other affiliate programs from time to time. Expect that any link on our website, marketing or program could be an affiliate link. We only share products, programs, and tools that we believe in. We hope it blesses you to have these resources at your fingertips. 🙂 

Company Contact Information

Full Spectrum Productivity, LLC
PO Box 12733
Pittsburgh, PA 15241

Phone: 888-372-9993

Email: info@FullSpectrumProductivity.com

Katie Mazzocco, The Small Business Systems Strategist, is the creator of the Success Productivity System™ and Operations Mastery Measure™, the proven step-by-step processes that teach you exactly how to transform your chronic-stress and business struggles into increased income and impact in the world. To get your Free Checklist: 33 Systems Every Small Business Must Have to be Successful and receive Katie’s productivity videos on making your business more successful and less stressful, enter your email address below now. Get your FREE checklist