PAYMENT AND REFUND POLICY

سياسة الدفع والاسترجاع

Tamreen Platform Tamreen Sports Consulting Company (شركة تمرين للاستشارات الرياضية)

Effective Date: May 8, 2026 Last Updated: May 8, 2026 Document Version: 1.1

PREAMBLE

This Payment and Refund Policy ("Policy") governs all financial transactions on the Tamreen Platform, including Subscription billing, free trial terms, Program purchases, Service Provider commission and payment arrangements, refund eligibility, and dispute handling. It forms part of the Terms and Conditions and should be read alongside them.

Defined terms used but not defined in this Policy have the meanings given to them in the Terms and Conditions.

Governing Law: This Policy is governed by the laws of the State of Kuwait, including the Kuwait Consumer Protection Law (Law No. 39 of 2014), the Kuwait Commercial Code (Decree No. 68 of 1980), the Kuwait Electronic Transactions Law (Law No. 20 of 2014), and applicable Central Bank of Kuwait regulations on electronic payments.

1. PAYMENT METHODS AND CURRENCY

1.1 All payments on the Platform are processed through MyFatoorah, a certified payment service provider operating in Kuwait. Tamreen may designate an alternative payment processor at any time, with notice provided through the Platform.

1.2 Accepted payment methods include, subject to availability through the payment processor at the time of transaction:

(a) KNET (Kuwait national payment network);

(b) Visa and Mastercard credit and debit cards;

(c) Apple Pay; and

(d) any additional methods supported by the designated payment processor from time to time.

1.3 All prices displayed on the Platform are in Kuwaiti Dinars (KWD) unless otherwise stated.

1.4 Payment processing is subject to the terms, privacy policy, and fraud prevention measures of the designated payment processor. Tamreen is not responsible for failures, delays, or errors caused by the payment processor or the User's financial institution.

2. MERCHANT OF RECORD AND PAYMENT PROCESSING

2.1 Tamreen as Merchant of Record

Tamreen Sports Consulting Company acts as the Merchant of Record for all transactions on the Platform. All User payments are collected directly by Tamreen through the designated payment processor. Users are contracting and transacting with Tamreen, not directly with any Service Provider.

2.2 Collection and Distribution

Upon a User completing a Subscription or Program purchase, Tamreen collects the full payment amount. Following collection, Tamreen deducts its applicable commission and remits the net balance to the relevant Service Provider in accordance with Section 9 of this Policy.

2.3 Payment Authorization

By completing a purchase or activating a Subscription on the Platform, you authorize Tamreen to charge your designated payment method for the applicable amount. For recurring Subscriptions, this authorization continues on an ongoing basis until you cancel in accordance with Section 4.4.

2.4 Service Provider Access to Payment Data

Service Providers are not party to transactions between the User and Tamreen and have no entitlement to access User payment card data, bank details, or payment credentials. Service Providers receive only the earnings statements and net payment amounts described in Section 9.

3. USER SUBSCRIPTIONS AND RECURRING BILLING

3.1 Subscription Plans

Certain features and Services on the Platform require a paid Subscription. Available plans, billing cycles, and applicable fees are displayed within the Platform and are subject to change in accordance with Section 8.

3.2 Automatic Recurring Billing

Subscriptions are billed on a recurring basis at the frequency selected at the time of activation (e.g., monthly or annually). By activating a Subscription, you expressly authorize Tamreen to automatically charge the applicable fee to your designated payment method on or around the same date in each billing cycle, without further action from you, until you cancel.

3.3 Billing Date

The first billing date is the date of Subscription activation. Subsequent charges occur on or around the same calendar date in each following billing cycle.

3.4 Subscription Access

You will have access to Subscription features for the full duration of your paid billing period. Access continues until the end of the current billing cycle regardless of when during the cycle you cancel.

3.5 No Refund for Current Period

Once a billing cycle has commenced and payment has been processed, no refund will be issued for the remainder of that billing period, except as provided in Section 7 (Refund Policy) or as required by the laws of Kuwait.

3.6 Cancellation

You may cancel your Subscription at any time through your Account settings on the Platform or by contacting Tamreen at support@Mytamreen.com. Cancellation takes effect at the end of the current billing cycle. You will not be charged for any subsequent billing cycle following a valid cancellation.

4. FREE TRIAL

4.1 Availability and Scope

Tamreen may offer eligible Users a 3-day free trial providing access to designated Platform features at no charge. The specific features accessible during the trial period will be communicated within the Platform at the time of the offer. Tamreen reserves the right to modify, limit, or withdraw the free trial offer at any time.

4.2 Eligibility

Free trials are available to new Users only — specifically, Users who have not previously held a paid or trial Subscription on the Platform. Tamreen reserves the right to determine free trial eligibility in its sole discretion. The free trial is limited to:

(a) one (1) trial per person;

(b) one (1) trial per household;

(c) one (1) trial per device; and

(d) one (1) trial per payment method or registered email address.

During the trial period, a User may access up to two (2) Service Providers or Programs. Access to additional Service Providers or Programs beyond this limit requires a paid Subscription.

4.3 Payment Method Required

Activation of the free trial requires a valid payment method to be on file. No charge will be applied during the trial period provided the Subscription is cancelled before the trial expires.

4.4 Mandatory Pre-Activation Disclosure

Before activating a free trial, Users must confirm the following through an explicit in-platform checkbox or acknowledgment screen:

(a) the trial period is 3 days;

(b) if not cancelled before the trial expires, the Subscription will automatically convert to a paid monthly Subscription at the applicable standard rate;

(c) the charge amount for the paid Subscription following trial conversion;

(d) cancellation must be completed before the trial expiry time to avoid being charged;

(e) during the trial, access is limited to a maximum of two (2) Service Providers or Programs; and

(f) the free trial is available once only per User.

4.5 Automatic Conversion to Paid Subscription

If you do not cancel before the free trial period expires, your trial will automatically convert to a paid monthly Subscription at the standard rate on the first day following the end of the trial period. By activating a free trial with a payment method on file, you expressly authorize Tamreen to charge your designated payment method for the first paid billing cycle without further notice, unless you cancel before the trial expires.

4.6 Cancellation During Trial

To avoid being charged, you must cancel your Subscription before the free trial period expires. Cancellation must be completed through:

(a) your Account settings within the Platform; or

(b) a written request to support@Mytamreen.com, received and confirmed before the trial expiry time.

The trial expiry time will be displayed within your Account at the time of trial activation. Cancellation requests received after the first billing charge has been processed will be treated under the standard cancellation and refund terms in Section 7.

4.7 Post-Trial Cooldown

Following the cancellation or expiry of a free trial, a 7-calendar-day cooldown period applies before a User may activate any further promotional trial offer. This applies regardless of whether the trial was cancelled by the User or allowed to expire and convert to a paid Subscription.

4.8 Abuse Prevention

Users may not circumvent the single-use limitation by creating multiple Accounts, using different email addresses or devices, or any other method. If Tamreen determines, in its sole discretion, that a User has attempted to access more than one free trial in violation of this Section, Tamreen may:

(a) immediately terminate the relevant Account or Accounts;

(b) charge the applicable standard Subscription fee retroactively for any period of unauthorized trial access; and

(c) permanently bar the User from future free trial eligibility.

4.9 Tamreen's Right to Modify

Tamreen reserves the right to change the duration, scope, eligible features, or terms of any free trial offer, or to discontinue free trials entirely, at any time and without notice. Any such change will not affect a free trial already in progress at the time the change takes effect.

5. PROGRAM PURCHASES

5.1 Digital Programs are available for purchase as:

(a) one-time purchases granting ongoing access to the Program content; or

(b) as part of an active Subscription, where Program access is tied to Subscription status.

5.2 Upon completion of payment, Users receive immediate access to the purchased Program content through their Account.

5.3 Program pricing is set by Tamreen in consultation with the relevant Service Provider and is displayed on the Platform at the time of purchase.

5.4 Users may hold multiple Program purchases simultaneously. Access to standalone one-time Program purchases is not dependent on Subscription status, unless the Program was specifically made available as a Subscription-only feature.

5.5 The refund terms applicable to Program purchases are set out in Section 7.3.

6. FAILED PAYMENTS

6.1 Automatic Retry

If a scheduled Subscription payment fails (e.g., due to an expired card, insufficient funds, or issuer decline), Tamreen may automatically retry the payment. Retry attempts will be made at intervals over a period of up to 7 calendar days from the original billing date. The User will be notified by email of each failed payment attempt.

6.2 Suspension of Access

If payment remains unsuccessful after the retry period, Tamreen may suspend access to Subscription features. No content will be deleted during a suspension. Access will be restored upon successful processing of all outstanding amounts.

6.3 Account Suspension for Repeated Failures

If a User has three (3) or more failed payment attempts on their Account within any rolling 90-day period, Tamreen may suspend the Account pending payment resolution. The User will be notified before suspension takes effect.

6.4 Resolution

Users with failed or outstanding payments may update their payment method through their Account settings or contact Tamreen at support@Mytamreen.com to arrange resolution. Access will be restored within 1 business day of successful payment of all outstanding amounts.

6.5 No Liability for Suspended Access

Tamreen is not liable for any loss or inconvenience arising from the suspension of access to Subscription features due to a failed payment attributable to the User's payment method or financial institution.

7. REFUND POLICY

7.1 General Principle

All Subscription fees and Program purchase fees are generally non-refundable, except as expressly provided in this Section or as required by the laws of the State of Kuwait. Tamreen does not offer refunds on the basis of change of mind, dissatisfaction with results, or failure to cancel before a renewal.

7.2 Subscription Refunds

(a) Active Billing Cycle: No refund will be issued once a Subscription billing cycle has commenced and payment has been processed, except as provided in Section 7.5.

(b) Free Trial Cancellation: Users who cancel during the free trial period before it expires will not be charged. No refund applies since no payment has been taken.

(c) Post-Conversion Cancellation: Users who cancel a paid Subscription will not be charged for the next renewal period. Cancellation does not entitle the User to a refund for the current billing period already paid.

7.3 Program Purchase Refunds

A refund for a Program purchase may be requested only where both of the following conditions are met:

(a) 7-Day Window: The refund request is submitted within 7 calendar days of the purchase date; and

(b) Access Threshold: The User has accessed less than 20% of the Program content, measured by the percentage of available modules, lessons, or materials that the User has opened, viewed, or engaged with within the Platform.

No refund will be issued where either condition is not met — including where the request is made more than 7 days after purchase, or where the User has accessed 20% or more of the Program content regardless of when the request is made.

7.4 Excluded Refunds

Refunds will not be issued in the following circumstances:

(a) Programs where the User has accessed 20% or more of the content;

(b) Subscription periods where the User has accessed the Platform;

(c) Cancellations made after a renewal billing has been processed for the upcoming cycle;

(d) Account suspensions or terminations resulting from violations of the Terms and Conditions;

(e) Dissatisfaction with a Service Provider's style, approach, or content quality, unless a technical issue as defined in Section 7.5 applies;

(f) User error, including accidental purchases or failure to cancel before a renewal date; and

(g) Disruptions caused by the User's own device, internet connection, or third-party service unrelated to the Platform.

7.5 Technical Issue Refunds

If a verified technical fault on Tamreen's Platform prevents a User from accessing content they have paid for, the following process applies:

(a) The User must report the issue to support@Mytamreen.com with a description of the fault and, where possible, supporting evidence (e.g., screenshots or error messages);

(b) Tamreen will make reasonable efforts to diagnose and resolve the issue within 5 business days of receiving the report; and

(c) If the issue cannot be resolved within 5 business days, the User is entitled to a full refund of the affected transaction amount, processed within 14 business days of the refund being approved.

A technical issue refund applies only to content that was inaccessible due to a verified Platform fault. It does not apply where the content was accessible but the User chose not to use it.

7.6 Recurring Refund Limitation

Users are entitled to a maximum of two (2) approved Program refunds per calendar year under Section 7.3. Requests beyond this limit will be reviewed on a case-by-case basis and may be declined at Tamreen's discretion.

7.7 Refund Request Procedure

To submit a refund request, contact Tamreen at support@Mytamreen.com with the following information:

(a) Account email address and full name;

(b) Transaction or order reference number;

(c) Date of purchase;

(d) Reason for the refund request; and

(e) Any supporting evidence of eligibility (e.g., content access percentage, error message, or screenshot).

Requests that are missing required information will be returned for clarification before processing begins.

7.8 Refund Processing

(a) Tamreen will review refund requests and notify the User of approval or denial within 10 business days of receiving a complete request;

(b) Approved refunds will be processed to the original payment method within 14 business days of approval;

(c) Processing timelines are subject to the payment processor and the User's bank. Funds may take an additional 3 to 5 business days to appear in the User's account after processing; and

(d) Tamreen will provide a refund confirmation with the transaction reference and estimated arrival date.

8. PRICING CHANGES

8.1 Tamreen reserves the right to change the pricing of Subscriptions, Programs, or any other paid feature or service on the Platform at any time.

8.2 Tamreen will provide 14 calendar days' prior written notice of any price increase, delivered via email to the address associated with the User's Account and through an in-platform notification.

8.3 The notice will specify the new price, the effective date, and the User's right to cancel their Subscription before the new rate applies.

8.4 Active Subscriptions will continue at the current rate until the end of the billing period in which the new price takes effect. The new price will apply from the first renewal date falling on or after the effective date of the change.

8.5 If you do not cancel before the new price takes effect, your continued use of the Platform and non-cancellation of the Subscription constitutes acceptance of the updated pricing.

8.6 Free trial availability, duration, and eligible features may be changed or withdrawn at Tamreen's discretion. Changes will not affect a free trial already in progress at the time the change is communicated.

Defined in the Platform

9. SERVICE PROVIDER PAYMENTS AND COMMISSIONS

9.1 Commission Structure

Tamreen deducts a commission from the gross transaction amount of each Subscription or Program purchase — that is, the full amount paid by the User before any payment processor fees or other transaction costs are applied. The commission structure is:

(a) Commission Rate: 15% of the gross transaction amount; and

(b) Minimum Commission: KWD 3.000 per transaction, regardless of transaction size.

Where the 15% commission on a transaction is less than KWD 3.000, the minimum commission of KWD 3.000 applies.

Payment processor fees — borne by the Service Provider: All payment processing fees charged by MyFatoorah or any other designated processor, and any other transaction costs incurred during the processing of a payment, are deducted from the Service Provider's share of the transaction after Tamreen's commission has been applied. The Service Provider bears all such costs. The applicable processor fee rates are governed by Tamreen's agreement with its payment processor and may vary over time.

Illustrative examples:

The exact processor fee applicable to each transaction will be reflected in the Service Provider's monthly earnings statement. Tamreen will provide transparency on all deductions in accordance with Section 9.4.

9.2 Monthly Platform Fee

A monthly Platform fee of Defined in the Platform KWD is charged to each active Service Provider. This fee is separate from the per-transaction commission and will be deducted from the Service Provider's monthly earnings statement. This fee is subject to change with 30 calendar days' written notice.

9.3 Payment Schedule

Service Provider earnings are paid on a monthly basis. Payment is remitted within 15 business days after the close of each calendar month, covering all transactions processed during that calendar month.

Payment is made to the bank account or payment method registered by the Service Provider in their Coach Agreement. Service Providers are responsible for ensuring their banking details remain accurate and up to date.

9.4 Earnings Statements

Tamreen provides each Service Provider with an itemized earnings statement each payment period, setting out:

(a) total transactions processed during the period;

(b) gross revenue collected from Users;

(c) commission deducted by Tamreen (rate and minimum applied);

(d) monthly Platform fee deducted (where applicable);

(e) any other deductions (e.g., chargeback recoveries);

(f) net amount remitted to the Service Provider; and

(g) payment date and transaction reference.

9.5 Payment Withholding

Tamreen reserves the right to withhold or delay a Service Provider's payment where:

(a) Tamreen reasonably suspects fraudulent activity or a policy violation under investigation;

(b) a User chargeback or refund dispute relating to the Service Provider's content or services is pending resolution;

(c) the Service Provider has outstanding amounts owed to Tamreen; or

(d) Tamreen is required to withhold payment by applicable law or a competent authority.

Where payment is withheld, Tamreen will notify the Service Provider promptly and specify the reason and estimated resolution timeline.

9.6 Tax Responsibility

Service Providers are solely responsible for all tax reporting, VAT obligations (if applicable), social insurance contributions, and any other statutory financial obligations arising from their earnings through the Platform. Tamreen does not withhold income tax from Service Provider payments unless required by applicable Kuwait law.

10. DISPUTES AND CHARGEBACKS

10.1 Dispute Resolution Process

Users who have a dispute regarding a payment, charge, or refund decision must contact Tamreen first at support@Mytamreen.com with the following:

(a) Account email address and full name;

(b) Transaction reference number and amount in dispute;

(c) Date of transaction; and

(d) A clear explanation of the nature of the dispute.

Tamreen will investigate and respond within 10 business days with a summary of findings and the resolution offered.

10.2 Chargeback Policy

If a User initiates a chargeback or payment dispute with their bank or card issuer without first contacting Tamreen and allowing Tamreen a reasonable opportunity to resolve the matter, the following consequences may apply:

(a) the User's Account may be suspended pending resolution of the chargeback;

(b) any chargeback processing fees imposed on Tamreen by the payment processor will be passed to the User's Account and must be paid in full before Account access is restored; and

(c) Tamreen reserves the right to contest any chargeback it considers to be unwarranted, using the Consent Record and transaction data retained on the Platform as evidence.

10.3 Fraudulent or Bad-Faith Disputes

If Tamreen determines, in its sole discretion, that a payment dispute or chargeback request is fraudulent, made in bad faith, or submitted after the User has accessed the full content of a Program or Subscription period, Tamreen may permanently suspend the User's Account and may pursue recovery of the disputed amount through available legal channels.

10.4 Contact Tamreen First

Users are strongly encouraged to contact Tamreen at support@Mytamreen.com before initiating any bank dispute. Most payment concerns can be resolved quickly through direct contact and without the delays and fees associated with chargeback processes.

11. TAXES AND REGULATORY COMPLIANCE

11.1 All prices displayed on the Platform are in Kuwaiti Dinars (KWD).

11.2 Kuwait does not currently impose a general Value Added Tax (VAT) or sales tax on most consumer transactions. Where any tax becomes applicable to Platform transactions under future Kuwait legislation, Tamreen will update this Policy and prices accordingly with appropriate notice.

11.3 Users located outside Kuwait may be subject to tax obligations in their own jurisdiction. Tamreen does not add or collect taxes on behalf of international Users. International Users are responsible for any applicable tax reporting in their jurisdiction.

11.4 Tamreen complies with applicable Central Bank of Kuwait regulations on electronic payments and anti-money laundering (AML) requirements. Tamreen may request additional identity verification to comply with Know Your Customer (KYC) requirements for certain transactions.

12. PAYMENT SECURITY AND DATA PRIVACY

12.1 All payment transactions are processed through MyFatoorah, which complies with PCI DSS (Payment Card Industry Data Security Standard) and applicable international payment security standards.

12.2 Tamreen does not store full payment card numbers, CVV codes, or other sensitive card authentication data on its own servers.

12.3 User payment and transaction data is handled in accordance with Tamreen's Privacy Policy. Payment data is shared with MyFatoorah solely to the extent necessary for payment processing and is not disclosed to Service Providers or other third parties except as required by law.

13. POLICY UPDATES

13.1 Tamreen reserves the right to update this Policy at any time to reflect changes in law, business operations, pricing structures, or payment processing arrangements.

13.2 Material changes will be communicated to Users via email and through the Platform at least 14 calendar days before the changes take effect, unless a shorter notice period is required by law or by the payment processor.

13.3 Continued use of the Platform after the effective date of an updated Policy constitutes acceptance of the changes.

14. CONTACT AND SUPPORT

For all payment, billing, refund, dispute, or commission inquiries:

Tamreen Sports Consulting Company شركة تمرين للاستشارات الرياضية

Email: support@Mytamreen.com Response Time: Tamreen aims to respond to all payment and billing inquiries within 2 business days.

For urgent payment processing issues, Users may also contact MyFatoorah directly through their published support channels.