Refund & Cancellation Policy

Effective date: August 1, 2026 Version: 2026-08-01-v1 1. Company and scope This Refund & Cancellation Policy applies to paid MBOT Finance subscriptions and related digital services offered by XPayr LLC, a United States company formed in New Mexico. It forms part of the MBOT Terms of Use. If a mandatory law that applies to you grants rights that cannot be waived, those rights prevail over any conflicting part of this Policy. This version applies prospectively to purchases and renewals made on or after the effective date. It does not retroactively change a completed transaction. 2. Digital service and pre-purchase evaluation MBOT provides immediate access to digital software, automation, reporting, and account features. A free Binance testnet path is available so users can evaluate the workflow before buying live access. Testnet results do not guarantee live results. Subscription fees pay for access to software and package capacity. They are not a success fee, profit share, investment, managed-account fee, or guarantee of trading performance. 3. Initial purchase: seven-day unused-service window You may request a full refund of an initial paid subscription within seven calendar days after payment only if the paid service has not been used. A request outside this period, or after a Paid Service Use Event, is not eligible unless Section 7 or mandatory law applies. Free testnet use by itself does not consume this paid-service refund window. 4. When the paid service is considered used A Paid Service Use Event occurs when any of the following happens after purchase: - a live Binance API key is successfully validated for the paid package; - a live bot is started or live execution is enabled; - MBOT creates, submits, replaces, or manages a live exchange order; - the customer materially uses a paid-only module, report, backtest, capacity tier, or other premium entitlement. Once a Paid Service Use Event occurs, the digital service is treated as delivered and used. A later loss, lower-than-expected profit, period of non-use, or change of mind does not restore refund eligibility. 5. Renewals and cancellation MBOT crypto renewals are currently initiated manually. If recurring billing is introduced, its price, term, renewal date, and cancellation method must be disclosed before consent and charging. A renewal payment may be refunded only when the request is made within 24 hours after renewal and no Paid Service Use Event occurs after the renewal. Cancelling a subscription stops future renewal. Access normally continues until the paid period ends, and unused time is not prorated or refunded. 6. Annual plans, plan changes, and capacity tiers Annual subscriptions and capital-capacity add-ons follow the same seven-day unused-service rule. After use begins, no partial cash refund is issued for unused months, a downgrade, reduced capital, or voluntary non-use. Upgrades and plan changes are priced as shown before confirmation. 7. Refunds we may approve Subject to verification, a full or proportional refund may be approved for: - a duplicate charge; - an incorrect charged amount; - a verified unauthorized payment; - a paid service that XPayr LLC failed to provision and could not restore within 72 hours after a complete support report; - termination by XPayr LLC without customer breach, for the unused portion where appropriate; - any refund required by applicable law. A short outage, maintenance window, exchange interruption, safety pause, or third-party failure does not automatically qualify when the paid service remains substantially available. 8. Non-refundable circumstances Except where mandatory law requires otherwise, refunds are not provided for: - trading losses, unrealized losses, lower-than-expected profit, or dissatisfaction with performance; - market movement, volatility, slippage, spread, liquidity, delisting, or missed opportunity; - Binance, blockchain, wallet, RPC, hosting, internet, Telegram, or other third-party restrictions or outages; - API permission, IP whitelist, credential, device, network, or configuration errors controlled by the customer; - a risk control, circuit breaker, inventory rule, or safety system pausing or limiting execution; - forgetting to cancel, voluntary non-use after activation, or a change of mind after use; - suspension or termination caused by fraud, abuse, chargeback, unauthorized credential use, or violation of the Terms; - exchange fees, network fees, gas, taxes, conversion costs, trading losses, or other third-party charges. The amount of profit or loss in a customer's exchange account is not the test for refund eligibility. Eligibility depends on the purchase, use, timing, and exceptions in this Policy. 9. Crypto and manual payments Blockchain transfers are generally irreversible. Sending the wrong token, using the wrong network, sending to the wrong address, or omitting required transaction information may make recovery impossible. XPayr LLC does not promise recovery. If a crypto refund is approved, it may be sent to a verified compatible address or, where practical, through the original payment rail. Identity, account ownership, payment proof, and destination-address verification may be required. Network, provider, conversion, or recovery costs may be deducted where law permits. Never send additional funds to anyone claiming that an extra payment is required to release an MBOT refund. 10. Open orders, positions, and exchange responsibility Cancelling or refunding a subscription does not automatically sell assets, close positions, cancel or reprice Binance orders, convert balances, or revoke API keys. Existing exchange orders and positions remain under the customer's Binance account and responsibility. The customer must review the exchange account and disable or delete API keys when access is no longer wanted. 11. How to request a refund Submit a support ticket from the MBOT dashboard and include the account email, order or invoice ID, payment transaction hash where applicable, requested reason, and supporting evidence. The request date is the time the complete ticket is received. XPayr LLC normally reviews a complete request within five business days. An approved refund is normally initiated within ten business days after approval. Payment processors, banks, blockchain networks, compliance checks, and wallet verification may add processing time. 12. Chargebacks, rewards, and goodwill Contact support before opening a payment dispute so duplicate or technical issues can be investigated. This does not remove any non-waivable dispute right. Fraudulent, abusive, or duplicate disputes may lead to account suspension while records are reviewed. A refunded, reversed, or charged-back payment may reverse related referral rewards, XP, credits, discounts, and subscription benefits. XPayr LLC may grant a one-time goodwill refund or service credit at its discretion. A goodwill decision is not an admission of fault, does not change this Policy, and does not create a precedent for another customer or transaction. 13. Governing law, changes, and contact This Policy is governed by the laws applicable to XPayr LLC in New Mexico, United States, without limiting mandatory consumer rights that lawfully apply in the customer's location. No part of this Policy excludes liability or rights that cannot legally be excluded. Material changes apply prospectively and will be published with a new version and effective date. Questions, cancellation notices, and refund requests must be submitted through the MBOT dashboard support area or the support contact published on mbot.finance.