Sold by Muza Technologies, 50 Long Street, Cape Town, 8000, South Africa — registration number (to be confirmed).

REFUND & CANCELLATION POLICY

Effective date: 25 October 2026

This policy applies to consumer subscriptions to MUZA Trading Academy at https://muzacapital.store. MUZA Trading Academy and MUZA Capital are brand names of Muza Technologies, 50 Long Street, Cape Town, 8000, South Africa, registration number (to be confirmed).

1. Immediate supply and withdrawal rights

1.1 Access to the entire Academy begins as soon as your payment is confirmed. Before payment, you must expressly request this immediate supply and acknowledge its effect on any cooling-off or withdrawal right available to you.

1.2 To the extent permitted by applicable law, your payment is non-refundable once access begins.

1.3 If the consumer law that applies to you does not permit your withdrawal right to end when access begins, that law prevails. In particular, an EU, EEA or UK consumer may retain a right to withdraw from an ongoing service until it has been fully performed. If you validly withdraw after expressly requesting immediate supply, you may be required to pay a proportionate amount for the service supplied before you notified us of your withdrawal. We will refund any remaining amount that applicable law requires us to refund.

1.4 If applicable law classifies any part of the Academy as digital content not supplied on a tangible medium, your withdrawal right for that digital content may end when supply begins if you gave the required prior express consent and acknowledged that you would lose that right. Any confirmation or other formality required by applicable law must also be provided.

2. No-refund rule

2.1 Except as stated in this policy or required by applicable law, all payments are final and non-refundable after access begins.

2.2 We do not provide refunds or credits merely because you:

(a) changed your mind;

(b) did not use, or only partly used, the Academy;

(c) did not complete the modules or assessments;

(d) no longer wish to trade or study trading;

(e) failed to cancel before paying for a new monthly period; or

(f) experienced a change in the market value or exchange rate of the cryptoasset used for payment.

2.3 Nothing in this policy excludes or restricts a remedy that cannot lawfully be excluded or restricted.

3. Cancelling a subscription

3.1 You may cancel at any time through https://muzacapital.store/app/account.

3.2 Cancellation stops future renewal. Unless applicable law requires otherwise, it does not end access immediately, and you may continue using the Academy until the end of the month already paid for.

3.3 We will not charge or accept a renewal payment as due for a period after cancellation has taken effect.

3.4 If the self-service cancellation function is unavailable, email support@muzacapital.store from the email address associated with your account. We will not treat a technical failure of the cancellation function as consent to a further renewal.

3.5 Deleting your account is not a substitute for cancelling your subscription unless the deletion process expressly confirms that the subscription has also been cancelled.

4. Monthly renewals

4.1 Each confirmed renewal payment purchases access for a new monthly period. Access for that period begins when the payment is confirmed.

4.2 The immediate-supply request and acknowledgement recorded at checkout apply to the initial payment and each renewal payment for the same subscription, to the extent permitted by applicable law.

4.3 Except where applicable law requires otherwise, a renewal payment is non-refundable once access to the new monthly period begins. We do not provide refunds for an unused part of a paid month.

5. Mandatory remedies

5.1 The no-refund rule does not affect any remedy required by applicable law, including a remedy for:

(a) a duplicate charge or payment;

(b) a charge or payment taken after an effective cancellation;

(c) failure to provide paid access;

(d) a service that is not as described, is materially defective or otherwise fails mandatory conformity or service-quality requirements; or

(e) any other right or remedy that the law applicable where you live does not allow you to waive.

5.2 To raise such an issue, email support@muzacapital.store from the email address associated with your account. Include your account email, payment date, payment asset, transaction identifier and a brief description of the issue. Do not send a private key, wallet seed phrase or password.

5.3 We may ask for information reasonably necessary to verify the payment, account, refund address and claim. This does not limit any mandatory right or remedy.

5.4 Depending on applicable law and the circumstances, the remedy may be restoration of access, repeat performance, a price reduction, correction of a charge or a full or partial refund.

6. Crypto refunds

6.1 Where a refund is required or approved, it will ordinarily be made in the same cryptoasset used for payment and sent to the address from which the payment was received.

6.2 Where applicable law permits, the network fee required to transmit the refund will be deducted from the amount returned. No network fee will be deducted if doing so would reduce a refund that applicable law requires to be paid in full.

6.3 If refunding the sending address is technically impossible, unlawful, unsafe or unsupported—for example, because payment came from an exchange, custodial service, smart contract or incompatible network—we will arrange another lawful refund method after reasonable ownership and compliance checks. We will not substitute Academy credit for a legally required monetary refund without valid consent.

6.4 Unless applicable law requires a different calculation, the number of cryptoasset units refunded will equal the number of units received for the refundable payment, less any network fee lawfully deductible under clause 6.2. We do not compensate for later changes in market value or exchange rates.

6.5 Blockchain transfers are irreversible. We may require confirmation of the refund address, but we will never ask for a private key or wallet seed phrase.

6.6 Before paying, you must use the asset and network specified at checkout. A payment sent using an unsupported asset, token contract or network may be unrecoverable, subject to any mandatory right or remedy.

6.7 Refund handling for mzUSDT, including redemption, transfer restrictions and supported networks, is (to be confirmed).

7. Processing

We will assess a properly documented claim and communicate the outcome within the period required by applicable law. An approved crypto refund remains subject to blockchain processing times and network conditions. If card payments are introduced, card-refund timing may also depend on the payment provider and issuing bank.

8. Mandatory local law

Nothing in this policy limits or excludes a consumer right or remedy that cannot lawfully be waived. If this policy conflicts with mandatory consumer law applicable where you live, that mandatory law prevails.