REFUND POLICY

1. GENERAL PROVISIONS

This Refund Policy governs refund issues related to the use of the KYLYVNYK CLUB platform, the purchase of Membership, subscriptions and other digital functions of the platform.

This Policy is in addition to:

• Terms of Use;
• Privacy Policy;
• Cookie Policy;
• Club Rules;
• Partner Rules;
• Business Implementation Rules;
• Disclaimer;
• other official platform documents.

Using the platform and making payments means the user agrees with this Policy.

In the event of a conflict between this Policy and the Terms of Use, the Terms of Use shall prevail unless otherwise expressly provided by applicable law.

2. PAYMENTS FOR MEMBERSHIP

KYLYVNYK CLUB may provide various Membership categories, including free and paid membership categories.

Payment for Membership provides the user with access to the relevant digital platform features and benefits available for the selected membership category at the time of use of the platform.

Payment for Membership is not payment for:

• clients;
• leads;
• sales;
• advertising;
• investments;
• employment;
• contracts;
• Business Introductions;
• profit;
• income;
• other commercial results.

The Platform does not guarantee any commercial results in connection with the purchase of Membership.

Membership provides access to platform functions, but does not create the right to demand the retention of specific functionality, number of functions, membership categories, or a certain amount of benefits in the future.

3. SUBSCRIBE

Certain Membership categories may be provided on a recurring subscription basis.

Subscriptions may include monthly, annual or other recurring payments.

The terms of a specific subscription, including cost, frequency of charges, and available features, are specified by the platform prior to the time of subscription.

It is the user's responsibility to check the terms and conditions of the subscription before subscribing.

The Platform has the right to use payment providers, payment systems, app stores, banking organizations and other payment services available at the time of payment.

Additional terms and conditions of individual payment providers may apply to applicable payments.

4. AUTOMATIC RENEWAL

If permitted by the terms of a particular subscription, the subscription may automatically renew for the next billing period.

By subscribing to an auto-renewal subscription, the user agrees to have applicable fees automatically charged until the subscription is cancelled.

The platform has the right to notify the user about the renewal of the subscription in ways determined by the platform.

The user is responsible for promptly canceling the subscription if they do not wish to renew it further.

5. CANCELLATION OF YOUR SUBSCRIPTION

The user has the right to cancel the subscription at any time through the available platform tools or in any other way provided by the platform.

Canceling a subscription stops future automatic charges, but does not cancel payments already made or provide the right to a refund of amounts previously paid, except as expressly provided in this Policy or applicable law.

After canceling a subscription, the user may retain access to paid features until the end of the current paid period, unless otherwise specified by the platform.

The Platform has the right to change, add, limit or terminate certain functions, benefits, participation programs and Membership categories in accordance with the Terms of Use and other platform documents.

6. REFUNDS

Except as otherwise required by applicable law, payments for Membership, subscriptions and digital platform features are generally non-refundable once access to the applicable platform features has been granted.

A refund may be considered by the platform in the following cases:

• double write-off;
• technical platform error;
• unauthorized write-off of funds;
• erroneous payment;
• other circumstances that the platform deems sufficient;
• cases where return is required by applicable law.

Review of a refund request does not automatically mean approval of the refund.

Refunds are generally not provided due to:

• non-use of the platform;
• changing the user's decision;
• dissatisfaction with commercial results;
• lack of clients;
• lack of orders;
• lack of income;
• lack of profit;
• lack of Business Introductions;
• dissatisfaction with the results of Business Introductions;
• refusal to post a business profile;
• deleting a business profile in accordance with platform documents;
• termination of cooperation between participants;
• refusal of other participants or partners to interact.

Partial use of Membership, subscription or individual platform features may be taken into account by the platform when deciding on a refund request.

Refusal to approve a business profile does not in itself create the right to a refund of Membership or other payments.

Failure to receive the Business Introduction or dissatisfaction with the results of the Business Introduction does not create the right to a refund.

Any refund decision made by the platform on an individual basis does not create an obligation to provide similar refunds to other users in the future.

Business listings

A business listing is a monthly subscription that renews automatically until it is cancelled. Applied through a member's partner invite link, the first calendar month from publication is free and the card is only saved at application; the waiting time for approval is not part of the free month. Applied otherwise, there is no free month: the price is reserved on the card at application and charged only after approval. A reservation for an application that is not approved, or that is withdrawn, is released; how quickly it disappears from a statement depends on the bank.

The owner can withdraw an application before approval, and can cancel the auto-renewal at any time in their account with the "Cancel auto-renewal" button. In the free month this ends the listing at the end of that month with no charge. After a payment, the listing stays published until the end of the paid period. Cancelling the renewal is not the same as withdrawing from the contract and does not by itself give a refund of a period already paid.

Right of withdrawal for consumers in the EU and EEA

If you live in the European Union or the European Economic Area and buy as a consumer, you have the right to withdraw from the contract within 14 days of concluding it, without giving any reason. To withdraw, use the "Withdraw from the contract" button in your account, or send us a clear statement by email. We confirm the withdrawal without delay.

Unless you expressly ask for the service to begin earlier, a business listing is not published and nothing is charged before the 14 days have passed. If you asked for an early start and then withdraw within the 14 days, the subscription ends at once and everything you paid for the listing is refunded to the original payment method.

Nothing in this Policy limits rights you have under the mandatory consumer law of the country you live in.

7. ERROR PAYMENTS

If the user believes that the payment was made in error, he must contact KYLYVNYK CLUB as soon as possible using the specified contact information.

When considering a request, the platform has the right to request:

• confirmation of payment;
• information about the payment method;
• information about the user;
• additional information necessary to verify the circumstances of the payment.

The Platform has the right to conduct an internal review of the circumstances of the payment before making a decision.

The platform has the right to interact with payment providers, banks, application stores, payment systems and other participants in the payment infrastructure to the extent necessary to consider the application.

Providing incomplete or unreliable information by the user may affect the ability to consider the application.

8. CHARGEBACKS AND PAYMENT DISPUTES

If the user considers the debit to be erroneous or unauthorized, it is recommended that you initially contact KYLYVNYK CLUB to try to resolve the issue.

The user has the right to use the mechanisms provided for by law to dispute payments through a bank, payment system, application store or other payment provider.

In case of initiation of a chargeback, payment dispute or similar procedure, the platform has the right to:

• restrict access to certain platform functions;
• temporarily suspend access to Membership;
• temporarily restrict access to Business Introductions;
• request additional information;
• conduct an internal audit;
• take other measures permitted by the platform documents and applicable law.

The results of the dispute may depend on the decisions of the bank, payment system, application store or other payment provider involved in processing the payment.

The platform does not guarantee satisfaction of user requirements within the framework of the chargeback procedure or other procedure for challenging a payment.

9. CHANGES IN MEMBERSHIP PRICE

KYLYVNYK CLUB has the right to change the cost of Membership, subscriptions, platform functions and other paid services.

The new cost is applied to new payments after the changes take effect.

The Platform has the right to notify users of price changes in ways determined by the Platform.

Different Membership categories, territories, programs, user groups, or individual platform features may have different prices and different payment terms.

A change in Membership price does not create a right to a refund of previously made payments.

10. CHANGES TO RETURN POLICY

KYLYVNYK CLUB has the right to change this Refund Policy from time to time.

The updated version is published on the platform indicating the new effective date or the date of the last update.

Continued use of the platform after the changes come into force means the user’s consent to the updated version of the Policy to the extent permitted by applicable law.

If the user does not agree with the changes, he must stop using the paid functions of the platform.

Continued use of paid features after changes become effective may be considered acceptance of the updated Policy to the extent permitted by applicable law.

11. CONTACT INFORMATION

KYLYVNYK CLUB

Managed by:

Kylyvnyk Consulting LLC

Email:

kylyvnykclub@gmail.com

Mailing Address:

6 Pauline Pl

Palm Coast, FL 32164-7535

United States

For questions related to payments, returns and subscriptions, the user can contact the specified contact information.

The Platform has the right to request reasonably necessary information and documents to consider issues related to payments, returns, subscriptions and other financial transactions.

KYLYVNYK CLUB has the right to independently determine the procedure, timing and volume of responses to user requests, unless otherwise provided by mandatory legal requirements.

12. LANGUAGE OF THE DOCUMENT

This Refund Policy may be translated into other languages solely for the convenience of users.

In the event of any discrepancies, inconsistencies or differences between translations, the official English version of the document shall prevail.