Cancellation, Rescheduling and No-Refund Policy

Applicable to all online and in-person courses, trainings, workshops, events, digital products,
bundles, memberships and related offerings provided by Reconnective Academy International SAGL,
including AD UNUM Experience and any connected or associated program, unless specific written terms expressly state otherwise.

1. Scope of This Policy

This Cancellation, Rescheduling and No-Refund Policy applies to all purchases, registrations,
reservations, deposits, partial payments, installment plans and enrollments made with
Reconnective Academy International SAGL (the “Organizer”) for any live or online course,
training, event, workshop, mentoring program, masterclass, retreat, digital content,
downloadable material, recording, session package, membership, bundle or other related offering
(collectively, the “Offerings”).

By submitting a registration form, clicking a purchase button, selecting a paid enrollment option,
accepting these terms during checkout, or otherwise completing a booking or payment, the purchaser
and/or participant agrees to be bound by this Policy and by the Organizer’s applicable Terms and Conditions.

2. Binding Registration and Payment Obligation

Any registration or purchase submitted through the Organizer’s website, payment page, checkout form,
registration form, invoice, payment link, email process, or other approved sales channel constitutes
a binding commitment to purchase the selected Offering and to pay the full applicable price.

Where the Organizer offers installment payments, payment plans, deposits, split payments or partial
prepayments, such arrangements are provided solely as a payment convenience and do not alter the
binding nature of the purchase. The total agreed price remains due in full according to the agreed schedule.

3. Strict No Cash Refund Policy

This no-refund rule applies, without limitation, in the following cases:

• change of mind or personal reconsideration;
• mistaken purchase or purchase made by error, except where non-waivable law provides otherwise;
• inability or unwillingness to attend;
• schedule conflicts, work conflicts, family commitments or childcare issues;
• travel problems, visa issues, border issues, transport delays or missed connections;
• illness, injury, medical reasons, fatigue, pregnancy, recovery needs or personal emergency;
• dissatisfaction with teaching style, content, format, venue, timing, platform or experience;
• internet issues, software issues, device incompatibility or participant-side technical failures;
• late arrival, partial attendance, non-attendance or early departure;
• failure to meet prerequisites, failure to complete required steps, or failure to use the purchased access;
• participant decision to discontinue, pause or abandon the Offering;
• participant removal or suspension due to breach of rules, misconduct, abusive behavior or non-payment.

4. Credit in Place of Refund

Although the Organizer does not provide monetary refunds, the Organizer may allow the paid amount,
or part of it, to be converted into a non-cash account credit, course credit, or store credit
(the “Credit”), in accordance with this Policy.

4.1 Permitted Uses of Credit

Credit may be applied exclusively toward eligible Organizer offerings, including:

• future online or in-person courses and trainings;
• future workshops, seminars, retreats or live events;
• digital products, recordings or educational materials;
• private sessions or session packages offered directly by the Organizer or through its designated channels;
• other products or services expressly approved by the Organizer in writing.

4.2 Credit Is Not Cash

Credit is personal, non-refundable, non-interest-bearing and not redeemable for cash, bank transfer,
card reimbursement or any other monetary payout. Credit may not be converted into money under any circumstance,
except where non-waivable law expressly requires otherwise.

4.3 Credit Value

If Credit is granted, the amount may take into account any portion of the Offering already used,
accessed, consumed, released, delivered, reserved, scheduled or made available to the participant,
as reasonably determined by the Organizer.

4.4 Credit Validity

Any Credit issued under this Policy shall remain valid for ten (10) years from the date of issue,
unless a longer period is required by mandatory law or a longer period is expressly granted in writing by the Organizer.

4.5 Price Differences

• If the new Offering chosen by the participant has a higher price, the participant must pay the difference.
• If the new Offering chosen has a lower price, the remaining balance stays as Credit and is not refundable in cash.

4.6 Transferability of Credit

Unless the Organizer expressly agrees otherwise in writing, Credit is personal to the original purchaser
and/or originally enrolled participant and may not be resold, assigned, transferred, exchanged or gifted.

5. Participant Cancellation, Deferral and Rescheduling

A participant who cannot attend an Offering may notify the Organizer in writing. Such notification does
not create any right to a refund. At the Organizer’s discretion, and subject to availability,
the Organizer may permit one or more of the following:

• deferral to a later edition of the same Offering;
• conversion of all or part of the amount paid into Credit;
• application of the amount paid toward another eligible Offering.

Any such accommodation is a commercial courtesy and not a legal entitlement unless expressly confirmed in writing.

6. Deposits, Partial Payments and Installment Plans

Any deposit, reservation fee, down payment, administrative fee, installment, split payment or partial payment
is non-refundable. Failure to complete an installment plan does not revive any refund right and does not
cancel the participant’s underlying payment obligation.

The Organizer reserves the right to suspend access, deny participation, withhold credentials, refuse course entry,
or cancel future access in case of late payment or non-payment, without prejudice to its right to recover all sums due.

7. Organizer Changes, Postponement and Cancellation

7.1 Reasonable Changes

The Organizer reserves the right to make reasonable changes to dates, times, venue, city, country, platform,
instructor, schedule, teaching format, sequence of modules, supporting materials or program structure,
where reasonably necessary for operational, educational, safety or organizational reasons.

7.2 Postponement

If an Offering is postponed, the participant’s registration shall remain valid for the rescheduled date
or, at the Organizer’s discretion, may be converted into Credit of equal value. No cash refund shall be due.

7.3 Organizer Cancellation

If the Organizer cancels an Offering for operational reasons, venue issues, instructor unavailability,
safety reasons, insufficient enrollment, legal or regulatory reasons, force majeure, or other causes,
the Organizer may offer one of the following remedies:

• transfer to a rescheduled edition of the same Offering;
• transfer to another substantially equivalent Offering;
• Credit of equal value usable across the Organizer’s eligible Offerings.

To the fullest extent permitted by law, no cash refund shall be due in such circumstances.

7.4 Material Changes

A change in instructor, supporting staff, timetable, platform, exact room, venue logistics, city details,
or internal structure of an Offering does not by itself entitle the participant to a refund.

8. Force Majeure and Events Beyond Control

The Organizer shall not be liable for delay, postponement, modification, reduced access or non-performance
caused by circumstances beyond its reasonable control, including but not limited to natural disasters,
epidemics, pandemics, governmental measures, war, civil unrest, strikes, labor disruptions, power outages,
internet failures, transport disruptions, venue closures, public safety issues, acts of God, or other force majeure events.

In such cases, the Organizer may reschedule the Offering, adapt its format, substitute delivery methods,
or issue Credit. No cash refund shall be due, except where mandatory law expressly provides otherwise.

9. No Liability for Travel, Accommodation or Third-Party Costs

The Organizer is not responsible for flights, train tickets, hotels, meals, visas, insurance,
currency exchange losses, bank charges, third-party booking fees, lost working time or any other direct,
indirect, incidental or consequential costs incurred by the participant in connection with an Offering.

Participants are solely responsible for arranging appropriate travel insurance, cancellation insurance
and personal coverage where they consider it necessary.

10. Online Courses, Recordings and Digital Products

All digital products, downloadable materials, recordings, replays, documents, media, educational files,
streamed content and online course access are strictly non-refundable once any of the following has occurred:

• access credentials have been issued;
• the participant has been granted access to a portal, platform, members’ area or recording;
• the download has started or the streaming has been made available;
• materials have been released, emailed or unlocked;
• the live online program has started.

11. Private Sessions and Use of Credit

Where the Organizer allows Credit to be applied toward private sessions, such sessions remain subject
to practitioner availability, scheduling constraints, applicable pricing at the time of booking,
and any separate session-specific booking conditions.

Credit may be used only for sessions offered directly by the Organizer or through channels expressly approved by the Organizer.

12. Participant Conduct, Refusal of Admission and Removal

The Organizer reserves the right, at its reasonable discretion, to deny participation, refuse admission,
suspend access, or remove any participant whose behavior is abusive, disruptive, threatening, dishonest,
unlawful, defamatory, unsafe, seriously non-cooperative, or otherwise incompatible with the proper conduct of the Offering.

In such cases, no refund shall be due. The Organizer may decide, entirely at its discretion,
whether any residual Credit is granted.

13. No Guarantee of Outcomes

The Organizer provides educational, experiential and training-based Offerings. The Organizer does not guarantee
any specific personal, professional, economic, academic, energetic, emotional, relational, medical,
therapeutic or certification-related outcome.

Dissatisfaction with subjective results, expectations, interpretations, perceived benefits,
or lack of desired outcomes does not create any right to cancellation, refund or monetary compensation.

14. Chargebacks and Payment Disputes

Because all purchases are final and non-refundable, unjustified chargebacks, payment reversals
or payment disputes initiated after a valid purchase may constitute a breach of contract.

In such cases, the Organizer reserves the right to suspend access to all current and future Offerings,
deny participation, revoke bonuses or course materials, and recover the unpaid amount together with
any bank fees, processor fees, administrative costs and collection expenses to the extent permitted by law.

15. Mandatory Rights Reserved

Nothing in this Policy excludes or limits any mandatory, non-waivable right granted to a consumer by applicable law.
Where a mandatory provision of Swiss law or other compulsorily applicable law grants a withdrawal,
cancellation, remedy, forum or other consumer protection right that cannot legally be excluded,
that mandatory provision shall prevail only to the minimum extent required by law.

16. Governing Law and Jurisdiction

This Policy and any dispute arising out of or in connection with any purchase, registration or Offering
shall be governed by substantive Swiss law, excluding conflict-of-laws rules, to the extent permitted by law.

For non-consumer transactions, the exclusive place of jurisdiction shall be the competent courts
at the Organizer’s registered seat in Switzerland.

For consumer transactions, any mandatory place-of-jurisdiction rules and other non-waivable consumer protections remain reserved.

17. Severability

If any provision of this Policy is found invalid, unlawful, unenforceable or partially unenforceable,
the remaining provisions shall remain in full force and effect. Any invalid provision shall be replaced,
to the extent legally possible, by a valid provision that most closely reflects the original commercial intent.

18. Contact

Any request relating to attendance, deferral, Credit or administrative questions must be submitted in writing to:
info@reconnectiveacademy.com