Refund & Cancellation Policy

1. Purpose

This Refund & Cancellation Policy explains when refunds, cancellations, credits, or other remedies may be available for purchases made through the Bosse Value Network (“BVN”) Platform.

This Policy is intended to provide transparency while protecting users, merchants, business customers, and BVN from fraud, payment abuse, and misunderstandings.

2. Scope

This Policy applies to:

Subscription plans Merchant point package purchases Business account purchases Enterprise purchases Promotional purchases Platform service fees Other eligible purchases made directly through BVN

This Policy does not govern disputes between users and participating merchants unless BVN expressly assumes responsibility.

3. Definitions

Subscription – A recurring paid membership that provides enhanced Platform benefits. Point Package – A bundle of BVN Reward Points purchased by an approved business or merchant for distribution through authorized programs. Merchant – A business approved to participate in BVN’s rewards ecosystem. Business Customer – Any organization purchasing products or services from BVN. Refund – A return of eligible funds to the original payment method or another method approved by BVN.

4. General Refund Policy

BVN evaluates refund requests on a case-by-case basis.

Unless required by law or expressly stated in this Policy:

• Completed digital services are generally non-refundable.
• Refund eligibility depends on the type of purchase.
• Fraud, abuse, or policy violations may result in denial of a refund.

Nothing in this Policy limits rights provided under applicable consumer protection laws.

5. Subscription Plans

5.1 Subscription Charges

Subscription fees are billed according to the selected billing cycle. By subscribing, you authorize BVN or its payment processor to charge your selected payment method on each renewal date until the subscription is canceled.

5.2 Cancellation

Users may cancel a subscription at any time through their account settings. Cancellation prevents future renewals but does not automatically refund fees already charged for the current billing period. Your subscription benefits generally remain available until the end of the paid billing period unless the subscription is terminated for a violation of BVN’s policies.

5.3 Refunds for Subscriptions

Unless required by law or otherwise stated in a specific promotion:

• Subscription fees are generally non-refundable after the billing period begins.
• Partial-month refunds are generally not provided.
• Trial subscriptions may be subject to separate terms.

BVN may issue refunds at its discretion in exceptional circumstances, such as duplicate charges, billing errors, or other situations where a refund is appropriate.

6. Merchant Point Package Purchases

6.1 Final Sales

Point Package purchases are generally considered final once payment has been successfully processed and the points have been issued or made available to the purchasing business.

6.2 Eligible Refund Requests

BVN may consider a refund or other remedy in limited circumstances, including:

Duplicate transactions Payment processing errors Technical failures that prevented delivery Purchases made due to verified system errors

Refund requests are evaluated on a case-by-case basis.

6.3 Ineligible Refund Requests

Refunds are generally not available for:

Point Packages that have been issued, distributed, or used. Purchases made in error by an authorized representative. Changes in business needs or marketing plans after delivery. Dissatisfaction with campaign performance unrelated to a Platform error.

7. Promotional Purchases

Promotional pricing, discounts, bonus Reward Points, and limited-time offers are subject to the specific terms of each promotion. Unless expressly stated otherwise:

• Promotional purchases are final.
• Bonus Reward Points issued as part of a promotion may be forfeited if the qualifying

purchase is refunded or reversed.

• Promotional discounts cannot be exchanged for cash.

8. Business & Enterprise Purchases

Business and Enterprise purchases may also be governed by a separate written agreement. Where a signed agreement includes different refund or cancellation terms, that agreement will control with respect to the applicable products or services.

9. Payment Disputes & Chargebacks

Before initiating a chargeback with your payment provider, BVN encourages customers to contact Customer Support so we can attempt to resolve the issue promptly. If a chargeback or payment dispute is initiated, BVN may:

Suspend the associated account. Temporarily restrict Platform access. Reverse Reward Points or Credits issued from the disputed payment where permitted. Investigate the transaction. Request additional documentation.

Fraudulent or abusive chargebacks may result in permanent account termination and recovery of resulting losses where permitted by law.

10. Unauthorized Transactions

If you believe your payment method was used without authorization, you should:

1. Contact BVN immediately.

2. Notify your payment provider.

3. Secure your BVN account by changing your password and enabling available security features.

4. Cooperate with any investigation.

BVN will investigate reported unauthorized transactions and take appropriate action consistent with applicable law and our Terms of Service.

11. Refund Processing

Approved refunds will generally be issued to the original payment method whenever practical. Actual processing times depend on:

Payment processor timelines. Banking systems. Card issuer policies. Weekends and holidays. Operational reviews.

BVN cannot guarantee the time required for a financial institution to post a completed refund.

12. Taxes & Fees

Where permitted by applicable law:

• Processing fees already incurred may not be refundable.
• Certain taxes collected and remitted to governmental authorities may not be refundable.
• Refunds, when approved, may exclude non-refundable third-party processing costs

where disclosed and permitted by law.

13. Exceptions

Nothing in this Policy limits any refund, cancellation, or consumer rights that cannot legally be waived under applicable law. BVN reserves the right to make exceptions to this Policy where appropriate to resolve customer concerns, correct billing errors, or address extraordinary circumstances.

14. Policy Updates

BVN may update this Refund & Cancellation Policy to reflect changes in:

Platform services. Subscription offerings. Payment processor requirements. Business operations. Legal or regulatory requirements.

Updated versions become effective on the date specified in the revised Policy.

15. Contact Information

Bosse Value Network (BVN) Customer Support [email protected] Billing Inquiries [email protected] Compliance [email protected] Website https://www.bossevaluenetwork.com Business Address 650 Hidden Valley Club Dr, Ann Arbor, MI 48104, United States

Ends of Refund & Cancellation Policy This Policy should be read together with the BVN Terms of Service, Privacy Policy, AML/KYC Policy, and Reward Point Conversion & Redemption Policy. It provides the framework for handling refunds and cancellations while balancing customer experience, fraud prevention, and operational integrity. As with your other policies, I recommend a legal review before implementation to ensure compliance with applicable consumer protection laws.