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<div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">ExchangeBuz Holdings Inc. ensures the right of its users to request a refund if they are dissatisfied with the quality of services provided. Users also have the right to request a refund if they change their mind after funding their account.</span></span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">General Conditions</span></li></ul><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">Eligibility</span></li><li style="box-sizing: border-box;">Refunds or returns can be requested by users who have paid for services, such as transaction fees or account funding, provided they meet the eligibility criteria.</li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">Refund requests will only be considered if all eligibility criteria are met. Failure to meet these criteria allows </span>ExchangeBuz <span style="box-sizing: border-box;">Holdings Inc. to decline the refund request at its discretion.</span></li></ul><div style="box-sizing: border-box;"> </div></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">Application Process</span></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">Users must complete a Refund/Return Form and send it to </span><a href="mailto:contact@exchangebuz.com" style="box-sizing: border-box; color: rgb(33, 150, 243); text-decoration-line: none; background-color: transparent;">contact@exchangebuz.com</a></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">ExchangeBuz Holdings Inc. </span>may verify all payments and related information. Users may be required to provide identification documents, payment card copies, invoices, or other proof of payment. Failure to provide the requested documents within three working days or doubts about their authenticity may result in the denial of the refund request.</li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">Processing Time</span></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">ExchangeBuz Holdings Inc.</span> will process the refund request as soon as possible and notify the user of the outcome within the specified timeframes.</li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">Approval or denial of the refund request will be based on a thorough verification process.</span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: bolder;">**Note**: Submitting a Refund/Return Form does not guarantee the approval of the request.</span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">Cryptocurrency Transactions</span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;">Refunds are not available for cryptocurrency purchases. However, users can return purchased cryptocurrency, and </span><span style="box-sizing: border-box;">ExchangeBuz Holdings Inc. will buy it back at the current market rate minus a service fee. Users can exchange the cryptocurrency for other digital currencies or payment methods.</span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: bolder;">Reason: The constant fluctuation in cryptocurrency prices means the value at the time of refund will differ from the original purchase value.</span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">Non-Cryptocurrency Transactions</span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);">Refunds are available within 30 days of the exchange transaction. A one-time refund fee of 5% of the transaction amount, plus any additional service fees, will be charged. </div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><span style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);">Example: If a user purchases digital currency via MoneyGram and requests a refund, they must return the full amount of the purchased digital currency. </span><span style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);">ExchangeBuz Holdings Inc. will refund the money via MoneyGram, deducting the transfer fee, resulting in the user receiving the original payment amount minus 5% and MoneyGram transfer fees.</span><span style="color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"></span><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;">Chargebacks</span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; font-weight: 500;">Initial Contact</span></span></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">Users are expected to contact </span>ExchangeBuz <span style="box-sizing: border-box;">Holdings Inc. to resolve any payment issues before making a chargeback request. This does not affect any legal rights or claims users may have with their bank or financial institution.</span></li></ul><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; font-weight: 500;">Investigation</span></span></li><li style="box-sizing: border-box;">ExchangeBuz <span style="box-sizing: border-box;">Holdings Inc. will investigate chargeback requests and inform the user's issuing bank whether any service or transaction has been canceled.</span></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">During the investigation, </span>ExchangeBuz <span style="box-sizing: border-box;">Holdings Inc. reserves the right to suspend the user's account and block funds.</span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; font-weight: 500;">Miscellaneous</span></span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><ul style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; padding-left: 2rem;"><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">Any charges incurred during the refund/return process will be borne by the user and deducted from the final refund amount.</span></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">This Refund Policy may be amended to comply with legislative changes. </span>ExchangeBuz <span style="box-sizing: border-box;">Holdings Inc. will announce any amendments, which will take effect after notice is given.</span></li><li style="box-sizing: border-box;"><span style="box-sizing: border-box;">Users who do not accept the revised Refund Policy should discontinue using </span>ExchangeBuz <span style="box-sizing: border-box;">Holdings Inc. services. Continued use after changes take effect constitutes acceptance of the new Refund Policy.</span></li></ul></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;"> </span></div><div style="box-sizing: border-box; color: rgb(33, 37, 41); font-family: Montserrat, sans-serif; font-size: 16px; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box;">For further assistance, please contact </span><span style="box-sizing: border-box; font-weight: bolder;">ExchangeBuz Holdings Inc. at <a href="mailto:contact@exchangebuz.com" style="box-sizing: border-box; color: rgb(33, 150, 243); text-decoration-line: none; background-color: transparent;">contact@exchangebuz.com</a>.</span></div>
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