Refund, Cancellation & Dispute Policy

JZ Contracting LLC
4729 Brightwood Road, Olney, MD 20832
Phone: (202) 748-2868 · Email: jzzcontractingllc@gmail.com
Office Hours: Monday–Friday, 7:00 AM – 7:00 PM Eastern

Effective Date: September 1, 2026 · Last Updated: September 1, 2026

1. Scope and Order of Precedence

This Policy applies to all services purchased from JZ Contracting LLC ("JZ Contracting," "we," "us"), including HVAC installation and service, site work and excavation, hauling and disposal, and snow and ice management, and to all payments processed through our website, emailed invoices, or payment links.

Charges from us appear on your card or bank statement as JZ CONTRACTING LLC. If you do not recognize a charge, please call us at (202) 748-2868 before contacting your bank (see Section 6).

Every project is different, and your signed contract governs your project. Most of our work is performed under a written proposal, work order, service agreement, or seasonal contract signed by the customer (the "Contract").

This Policy never overrides, modifies, limits, or adds to a signed Contract. Where your Contract addresses a subject covered here, including deposits, refunds, cancellation charges, payment schedules, warranty terms, or dispute resolution, the terms of your Contract apply and the corresponding terms in this Policy do not. Every rate, percentage, deadline, and fee stated in this Policy is a default that applies only where your Contract is silent.

Where no signed Contract exists, for example a card payment for a diagnostic visit, an on-demand haul-off, or an invoice paid online, this Policy governs in full.

The one exception runs in your favor, not ours: rights Maryland or federal law gives you cannot be waived by either this Policy or a Contract. See Section 3.

Order of precedence, highest to lowest:

1. Non-waivable rights granted to you by Maryland or federal law, including the Maryland Home Improvement Law
2. Your signed Contract, proposal, work order, or change order
3. This Policy
4. Our general Terms of Service

If you believe something in this Policy conflicts with what you signed, your Contract is the answer. Call us at (202) 748-2868 and we will confirm it in writing.

2. Definitions

3. Maryland Home Improvement Work: Your Rights

For home improvement work on existing residential property in Maryland, the following apply and override anything to the contrary in this Policy or in a signed Contract:

3.1 Three-Day Right to Rescind

You have the right to rescind your contract within three (3) business days after the date you sign it, by notifying JZ Contracting in writing that you are rescinding the contract. Send written notice to jzzcontractingllc@gmail.com or to 4729 Brightwood Road, Olney, MD 20832. A timely rescission entitles you to a full refund of all money paid, with no cancellation fee, restocking charge, or deduction of any kind.

Separately, under the federal FTC Cooling-Off Rule and the Maryland Door-to-Door Sales Act, sales of $25 or more solicited at your home or away from our regular place of business carry a three-business-day right to cancel.

3.2 Deposits and Contract Timing

MHIC regulations prohibit a contractor from accepting a deposit or any payment from a homeowner until the contract has been signed by both parties, and require that you receive a signed copy of the contract before work starts. Accordingly, we will not send you an online payment link or process a deposit for home improvement work until the Contract is fully signed and a copy is in your hands. If you receive a request for payment from us before that has happened, do not pay it. Call us at (202) 748-2868.

3.3 Maryland Home Improvement Commission

Each contractor must hold a current MHIC license, and anyone can ask MHIC about a contractor.

• Formal mediation of disputes between homeowners and contractors is available through the Commission.
• The Commission administers the Guaranty Fund, which may compensate homeowners for certain actual losses caused by the acts or omissions of a licensed contractor, up to $20,000 per claim.
• A homeowner has the right to request that the contractor purchase a performance bond for additional protection against losses not covered by the Guaranty Fund. JZ Contracting is not obligated to pay for such a bond.

Nothing in this Policy, including Section 6, limits your right to file a complaint with MHIC or a claim against the Guaranty Fund.

3.4 Our Credentials

EPA Section 608 Universal Certification: Johnathon Zibragos, Certification #102115170, issued April 25, 2022 by Air Conditioning Contractors of America. Covers Type I, Type II, and Type III equipment. Required under 40 CFR Part 82 for anyone handling regulated refrigerants.

4. Refund Policy

4.1 Our General Position

We stand behind our work. If you are dissatisfied, contact us before doing anything else. Our first remedy is to come back out and make it right. Refunds are considered when a correction is not practical, or when we have billed you for work that was not performed.

Because contracting work consumes labor, fuel, equipment time, disposal fees, and non-returnable materials the moment it begins, refunds are calculated on work performed and costs incurred as of the date we receive your request, not on the total amount paid.

4.2 What Is Refundable

• Work not performed. Any amount paid for services we did not deliver and will not deliver.
• Duplicate or erroneous charges. Refunded in full, promptly, with no deduction.
• Billing errors. Overcharges, incorrect quantities, or charges for materials not installed.
• Timely rescission under Section 3.1: full refund, no exceptions.
• Cancellation before mobilization. Per the schedule in Section 5.
• Unused prepaid balances, on the pro-rata basis in Section 5.4.

4.3 What Is Not Refundable

Unless your Contract provides otherwise, and absent a timely rescission under Section 3.1, the following are not refundable once incurred:

• Diagnostic and trip fees, once the visit has occurred and findings have been provided. This fee pays for the inspection, not for a repair, and is due whether or not you proceed with recommended work.
• Completed labor and materials already installed or consumed.
• Disposal and tipping fees paid on your behalf at a transfer station, landfill, or recycling facility.
• Permit, inspection, and third-party fees paid to a government body or outside vendor on your behalf.
• Special-order materials that have shipped, been fabricated, cut, or installed. Where a supplier accepts a return, we refund the material cost less the supplier's restocking fee, freight both ways, and a 10% handling charge.
• Emergency and after-hours premiums, once a crew has been dispatched.
• Site work already performed, including excavation, grading, demolition, stone placement, and similar work that cannot be reversed or recovered.
• Snow and ice services already rendered, including pre-treatment, standby, and storm monitoring, whether or not a storm materialized as forecast.
• Seasonal snow contracts, which are priced on risk pooled across a full season. See Section 5.4.

4.4 Warranty Claims Are Not Refunds

Defects in our workmanship are addressed under the workmanship warranty stated in your Contract, or 1 year where your Contract is silent, by repair or replacement, not by refund. Equipment defects are covered by the manufacturer's warranty, and we will help you file that claim. A warranty remedy does not entitle you to a refund of the original installation price unless we are unable to correct the defect after a reasonable opportunity to do so.

Warranty coverage requires the account to be paid in full and may be voided by unauthorized modification, misuse, neglected maintenance, or damage from causes outside our work.

4.5 How to Request a Refund

Write to jzzcontractingllc@gmail.com or 4729 Brightwood Road, Olney, MD 20832 within 30 days of the invoice or service date, or within the period your Contract specifies if different. Include:

• Your name, service address, and invoice or work order number
• Date of service and the amount at issue
• A description of the problem, with photos if you have them
• The resolution you are seeking

We acknowledge within 3 business days and provide a written decision within 10 business days. We may ask to inspect the work first; refusing reasonable access to inspect may result in denial.

4.6 How Refunds Are Issued

• Approved refunds go back to the original payment method. Card refunds cannot be redirected to a different card, to cash, or to a check.
• We initiate approved refunds within 5 business days of approval. Your bank or card issuer typically posts the credit 5–10 business days after that; that timing is controlled by your issuer, not by us.
• Refunds are net of amounts you still owe on other invoices.
• Where a card refund is not possible (expired card, closed account, elapsed processing window), we issue a check to the account holder.
• Payment processing fees are not retained by us and are returned with the refund on a full refund.

5. Cancellation Policy

The schedules in this section apply where your Contract does not state its own cancellation terms. Where it does, your Contract controls.

5.1 Scheduled Service Visits (HVAC Service, Repairs, Inspections)

Please provide access to the equipment and work area and secure pets. If we cannot safely perform the work on arrival, the visit is treated as a missed appointment.

5.2 Installation and Site Work Projects

The deposit amount, payment schedule, and cancellation charges for your project are the ones stated in your signed Contract. Where a Contract is silent, deposits are 30% of contract value, applied to the contract price. Deposits are collected only after the Contract is fully signed (Section 3.2).

5.3 Hauling and Disposal

Where your Contract states different terms, those apply.

• Cancel a scheduled haul more than 24 hours in advance at no charge.
• Cancellation inside 24 hours, or after the truck has been dispatched, incurs a $75 dispatch fee.
• Loads containing prohibited or undisclosed materials (hazardous waste, liquids, tires, appliances containing refrigerant, asbestos-containing material) may be refused on site. The $75 dispatch fee applies and no refund is due.
• Disposal fees already paid at a transfer station or landfill are not refundable.
• Collection in Montgomery County is restricted by County Code § 48-21(b) to 7:00 AM to 9:00 PM (9:00 AM start on Sundays and federal holidays) near residential structures. We cannot accommodate requests that would require working outside those hours.

5.4 Snow and Ice Management

Snow work occurs outside our posted office hours by nature. Service decisions are driven by forecast and storm timing, not by the calendar.

Your snow contract governs your property. The terms below apply where it is silent.

Per-event service. Because service is weather-triggered, an individual event cannot be cancelled once a storm is forecast within the trigger window and crews and materials have been committed. You may remove a property from per-event service with 7 days' written notice.

Seasonal contracts. Seasonal pricing pools risk across the whole season: you pay the same in a heavy winter as in a light one, and that predictability is what you are buying.

• Cancellation before October 1, or before the first service of the season: full refund of any prepayment, less $50 in administrative costs.
• Cancellation after the season begins: no refund of amounts allocated to elapsed months. If you prepaid the full season, we refund the unelapsed portion less the value of services already rendered at our published per-event rates less 15% of the remaining balance. If the per-event value already delivered exceeds the seasonal amount paid, no refund is due.
• Installments already invoiced for elapsed months remain due.
• Salt, brine, and de-icing material staged or applied for your property is not refundable.

5.5 Cancellation or Suspension by JZ Contracting

We may reschedule, suspend, or cancel work, without penalty to us, for:

• Weather and ground conditions making work unsafe, non-compliant, or likely to produce defective results: frozen or saturated ground, lightning, high wind, extreme heat or cold
• Unsafe site conditions, including undisclosed utilities, unstable soil, structural hazards, or aggressive animals
• Undisclosed or concealed conditions discovered on excavation or demolition: rock, groundwater, buried debris, asbestos, mold, or code violations. These require a signed change order before work continues.
• Non-payment of an invoice past due beyond the period stated in your Contract, or more than 15 days where your Contract is silent
• Denied access to the property, or missing permits or approvals
• Force majeure: labor disruption, supply chain failure, utility outage, natural disaster, or government order

If we cancel for reasons other than your breach, you owe only for work performed and costs incurred, and any remaining prepayment is refunded.

6. Dispute and Chargeback Policy

6.1 Contact Us First

If you do not recognize a charge or believe you were billed incorrectly, call us before contacting your bank. Almost every billing question is resolved faster by a phone call than by a chargeback, which takes 60–90 days and prevents both of us from fixing the underlying problem.

(202) 748-2868 · jzzcontractingllc@gmail.com · Monday–Friday, 7:00 AM – 7:00 PM ET

Look for JZ CONTRACTING LLC on your statement.

6.2 Resolution Process

1. Notify us in writing within 30 days of the charge or invoice date, or within the period your Contract specifies, describing the issue and the outcome you want.
2. We acknowledge within 3 business days.
3. We investigate: we review the Contract, work orders, time records, material invoices, photos, and service logs, and may schedule a site inspection.
4. We respond in writing within 10 business days with our findings and a proposed resolution: correcting the work, a credit, a partial refund, or an explanation of why we believe the charge is valid.
5. Escalation. If our response does not resolve it, escalate to Johnathon Zibragos, Owner, at jzzcontractingllc@gmail.com or (202) 748-2868 for a final internal review within 10 business days.
6. Undisputed amounts remain due. Disputing part of an invoice does not suspend your obligation to pay the rest.

6.3 If We Cannot Resolve It Internally

For residential home improvement work, free formal mediation is available through the Maryland Home Improvement Commission at (410) 230-6231, and you may file a Guaranty Fund claim. We encourage homeowners to use this route, since it costs you nothing and we will participate in good faith.

Otherwise, disputes are resolved as your Contract provides, or where your Contract is silent, in the District or Circuit Court of Montgomery County, Maryland. Each party bears its own costs unless the Contract or applicable law provides otherwise. We do not require arbitration.

6.4 Chargebacks

Initiating a chargeback on a valid charge, instead of using the process above, is a breach of your payment obligations. In that event we may:

• Submit the Contract, signed work orders and change orders, before-and-after photographs, GPS and time records, delivery tickets, material invoices, and communications as evidence to the card network
• Suspend work, warranty coverage, and service under any agreement with you until the matter is resolved
• Recover the disputed amount, chargeback fees, and reasonable costs of collection and attorneys' fees to the extent permitted by law
• Exercise mechanic's lien or bond claim rights within Maryland's statutory deadlines
• Decline future work

None of this limits your legal right to dispute a charge with your card issuer, to file a complaint with MHIC, or to file a Guaranty Fund claim. We only ask for the chance to resolve it directly first.

6.5 Fraud and Unauthorized Charges

If you believe your card was used without authorization, call (202) 748-2868 immediately and notify your card issuer. We cooperate fully with issuers and law enforcement and refund confirmed unauthorized charges in full.

7. Late Payment and Collections

Project invoices are due per the payment schedule in your Contract. Service call invoices are due on completion where no Contract schedule applies. Past-due balances accrue the service charge stated in your Contract, or 1.5% per month (18% annually) where your Contract is silent, or the maximum rate permitted by Maryland law, whichever is lower. We reserve all rights under Maryland's mechanic's lien statute.

Under Maryland law, a home improvement contract creates a mortgage or lien against your property to secure payment, and may cause a loss of your property if you fail to pay the amount agreed upon. You have the right to consult an attorney.

8. Business Information

JZ Contracting LLC
Owner: Johnathon Zibragos
4729 Brightwood Road, Olney, MD 20832
Phone: (202) 748-2868 · Email: jzzcontractingllc@gmail.com
Office Hours: Monday–Friday, 7:00 AM – 7:00 PM Eastern
Service Area: Montgomery County, Maryland and surrounding areas
Statement Descriptor: JZ CONTRACTING LLC

Snow and emergency services operate outside posted office hours. For urgent matters during a storm, call (202) 748-2868.

9. Changes to This Policy

We may update this Policy by posting a revised version with a new effective date. The version in effect on the date of your transaction governs that transaction. Updating this Policy does not change the terms of a Contract you have already signed. Material changes are never applied retroactively to work already under contract.

This Policy reflects common practice in the contracting trades and current Maryland Home Improvement Commission requirements. It is not legal advice. Have a Maryland attorney review this document and JZ Contracting's contract forms together before publishing.