MOSHKA FZ-LLC

1. Overview

MOSHKA FZ-LLC provides access to informational and educational digital content, materials, events and other Platform features via a subscription model and/or one-time purchase of individual digital products.

MOSHKA FZ-LLC does not provide educational services in a sense requiring licensing, and does not guarantee obtaining a profession, qualification, employment or any specific outcome.

2. Your Right to Cancel and Get a Refund

2.1. Individual Digital Purchases

You may cancel your purchase of an individual digital product and request a full refund within 14 calendar days of the payment date, provided that you have not accessed, streamed, downloaded or otherwise started using the digital product. Where applicable law provides otherwise, your statutory rights remain unaffected. By requesting immediate access to digital content, you expressly consent to the immediate performance of the contract and acknowledge that you may lose your right of withdrawal once access or performance begins.

2.2. Subscriptions

Subscription payments are non-refundable, including payment for any unused portion of the current billing cycle, except where the Services have not been provided or have been provided improperly, and in any other cases where a refund is required by applicable law.

You may cancel your subscription at any time to avoid charges for the next billing cycle. Cancelling your subscription does not entitle you to a refund for the period already paid.

2.3. Premium Products

Certain digital products, features or events may be classified as Premium Products and purchased separately from a standard subscription.

Cancellation and refund terms for such products are governed by separate terms applicable to the specific product, which are communicated to you before payment.

3. Alternative Compensation Options

By agreement with you, any amount due for refund may be:

• credited toward other MOSHKA FZ-LLC Services;
• applied to future subscription payments.

To arrange this option, please contact our Support Team at support@moshka.com

4. Refund Timeline and Process

4.1. Where a refund is due, funds are returned within 7–14 business days to the same payment method used for the original purchase.

4.2. The timing of funds being credited may depend on your bank's or payment processor's policies. MOSHKA FZ-LLC does not control the speed at which third parties process transactions.

4.3. If you have not received your refund after the stated period, we recommend first contacting your bank, and if necessary, reaching out to MOSHKA FZ-LLC's Support Team.

5. Chargebacks

5.1. We encourage you to contact MOSHKA FZ-LLC's Support Team first to resolve any issue before initiating a chargeback through your bank.

5.2. In the event of a chargeback, MOSHKA FZ-LLC reserves the right to:

• provide the payment network with confirmation of access to the Services being provided;
• provide applicable terms, access logs and communication history;
• dispute the chargeback through the established process.

5.3. Chargeback resolution may take up to 50 business days depending on the payment network and issuing bank policies.

6. How to Cancel

6.1. To cancel your Services or request a refund, submit a written request to: support@moshka.com.

6.2. MOSHKA FZ-LLC will confirm receipt of your request within 48 hours.

6.3. If no response is received within 48 hours, the date of the original request will be treated as the date of contact.

7. General

7.1. This Policy applies together with:

• MOSHKA FZ-LLC Terms of Service;
• Privacy Policy;
• other governing documents of the Platform.

7.2. In case of conflicts, applicable law takes precedence.

7.3. The current version of this Policy is always available on the MOSHKA FZ-LLC Platform.