Politique de remboursement / rétrofacturation

This Refunds/Chargebacks Policy (the “Policy”) is adopted by Commerce CloudSoft LTD (the “Website Operator”), registered in the United Kingdom (Company Number 15980669, Registered Office Address: 6 Burrows Court, Liverpool, United Kingdom, L3 6JZ), and UICOM FZCO (the “Investment Recipient”), licensed by Dubai Integrated Economic Zones Authority, License № 47789, Registered Address: Dubai Silicon Oasis, DSO-1E7A/DSO-1E2A, Dubai, UAE.

1. Scope and Applicability

This Policy governs all refund and chargeback requests related to payments made by Users through the MLC.health platform. It applies to all Users globally, subject to mandatory applicable laws in their jurisdictions.

2. Definitions

- “User” means any individual or legal entity making payments via the Platform.

- “Website Operator” means Commerce CloudSoft LTD.

- “Investment Recipient” means UICOM FZCO.

- “Company” collectively refers to the Website Operator and the Investment Recipient.

- “Payment Processor” means third parties authorized to process payments.

- “Services” means all products, subscriptions, or access rights offered on the Platform.

3. Refund Conditions

3.1 Users may request a refund within fourteen (14) calendar days from the date of payment if the services have not been delivered.

3.2 Refunds shall only be processed to the original source of payment.

3.3 Refunds are not applicable once services have been accessed or provided in whole or in part.

3.4 Refunds may be granted in cases of duplicate transactions or errors attributable to the Company.

3.5 Refund requests must be submitted in writing to support email, together with all necessary details.

4. Procedure for Refund Requests

4.1 Submission: User submits a written request.

4.2 Review: The Company reviews and may request supporting documents.

4.3 Approval: If approved, refund is processed within fourteen (14) business days.

4.4 Denial: If denied, the Company provides written reasoning. User may appeal within ten (10) days.

5. Chargebacks

5.1 Users must contact the Company before initiating any chargeback.

5.2 Initiating a chargeback without prior contact may result in suspension of the User’s account.

5.3 Excessive chargebacks (over 1% of transactions) may result in permanent termination.

5.4 The Company will contest unfounded chargebacks with Payment Processors and banks.

6. Limitations of Liability

6.1 The Company is not liable for delays caused by third parties.

6.2 The Company is not liable for currency exchange fluctuations or intermediary bank fees.

6.3 No refund shall be granted if the User breaches Platform Rules or engages in prohibited activity.

7. Data Protection and Confidentiality

All refund and chargeback requests are handled in accordance with applicable data protection laws. User information will only be used for the purpose of processing the request and retained as required by law.

8. Amendments

This Policy may be amended from time to time. Users will be notified of material changes by publication on the Platform. Continued use constitutes acceptance of such changes.

9. Governing Law and Jurisdiction

This Policy shall be governed by and construed in accordance with the laws of the United Arab Emirates. Disputes shall be resolved exclusively in the courts of Dubai, UAE.

10. Execution

En effectuant des paiements via la Plate-forme, l'Utilisateur reconnaît et accepte cette Politique par voie électronique.