1. Purpose
This document defines how disclosures are presented, how claims are supported, and how compliance alignment is maintained across the platform. It exists to ensure that users, partners, regulators, and payment processors can verify that the platform operates within applicable legal and ethical standards.
2. Scope
This framework applies to:
- Public website and marketing content
- Learning Management System (LMS) course descriptions and outcomes
- Store product descriptions and pricing
- Supersonic Fast Cash tax preparation and refund advance disclosures
- Partner and affiliate communications
- Email and notification content
3. Disclosure Principles
Clear and Conspicuous
Disclosures are presented in plain language, visible without scrolling or clicking where possible.
Timely
Disclosures are presented before the user commits to a transaction or action.
Accurate
All claims are supportable and aligned with authoritative documents.
Complete
Material terms, conditions, and limitations are disclosed, not hidden.
4. Eligibility Statements
When eligibility criteria apply (e.g., for refund advances, program enrollment, or certifications):
- Criteria are stated explicitly
- No guarantee of approval is implied unless explicitly stated
- Disqualifying factors are disclosed where known
- Users are informed of the decision process
5. Pricing and Fee Disclosures
All pricing and fees are disclosed as follows:
- Total price is shown before checkout completion
- Recurring charges are clearly labeled with frequency
- Optional fees are distinguished from required fees
- Refund and cancellation policies are accessible
6. Outcome and Capability Claims
Claims about outcomes (e.g., job placement, income, certification value) must be supportable and not misleading. Typical results, not exceptional results, are used as the basis for claims.
Where outcomes depend on user effort, market conditions, or third-party decisions, this is disclosed.
7. Regulatory Alignment
The platform is designed to align with applicable regulations, including but not limited to:
- Consumer protection laws
- Data privacy regulations
- Financial services disclosure requirements
- Advertising and marketing standards
Specific regulatory requirements are addressed in the relevant authoritative documents.
8. Review and Enforcement
Compliance is maintained through:
- Quarterly compliance language audits
- PR review checklists for disclosure-sensitive changes
- Escalation procedures for identified issues
- Documentation of compliance decisions
9. Versioning
This document is reviewed periodically and updated as regulations, products, or operational practices change. Superseded versions are archived for reference.