Refund Policy

• The account holder who paid for the pass can request the refund.
• One refund is available for each completed purchase.
• If another person paid for you, the account holder must make the request. We return the money to the original payment account.

1. Sign in to your account.
2. Open Billing, then Refund request.
3. Enter the amount, the payment method and the reason for the request.
4. Submit the form. We send a copy to your account email.

If you cannot sign in, email support@mymdcat.com from the account email. Include the payment date, the amount and a copy of the receipt. Do not send card numbers or full bank account numbers.

We check four things:

• the request is inside the 30-day window
• we can match the payment to your account
• the account has not broken the acceptable-use rules in the Terms
• the request is not a duplicate

We approve early-window requests liberally. We may decline a request when we find bulk content extraction, account sharing, resale, a fraudulent receipt or another clear breach of the Terms.

We aim to reply within five working days. If we need more information, we ask for it by email. The request stays open while we wait for your reply.

We send an approved refund to the same NayaPay wallet or bank account that made the payment. We cannot send the refund to a different account.

Settlement usually takes 5 to 10 business days after approval. Your bank or wallet provider can add its own delay. We do not add a refund fee. Your bank or wallet provider may apply its own charges.

When we approve a refund, the paid pass ends on the approval date. Paid features stop on that date. Free features remain available.

We keep your study data under the Privacy Policy. You can delete the account in Settings after the refund.

There is no automatic refund after the window. You can still submit a request and explain the situation. We review late requests case by case.

A late request does not remove a right you have under the law that applies to you.

If a charge is not yours, do not use the refund form. Open the charge dispute form. That queue has a higher review priority.

If you start a chargeback at your bank, tell us first. A chargeback can suspend the account while the bank investigates. We may restore the account after the bank closes the case.

We can update this policy. The date at the top shows the version that applies. A change does not reduce a right you already have for a completed purchase. If the change is material, we tell account holders by email or in the app.