MONEY-BACK POLICY

Effective Date: July 2, 2026

This Money-Back Policy (the “Policy”) explains when refunds, reversals, credits, extensions of access, or other billing corrections may be available for purchases made through the SWAGTOONS website and web checkout (the “Service”), operated by GENART SYSTEMS LTD (“SWAGTOONS,” “we,” “us,” or “our”). This Policy is incorporated into and forms part of the Swagtoons Terms of Service and Billing Terms. Capitalized terms not defined here have the meanings given in the Terms of Service.

1. Scope and Overview

This Policy applies only to purchases made through the SWAGTOONS website and web checkout. It does not apply to purchases made through application stores (such as Apple App Store or Google Play) or other third-party platforms – those purchases are governed by the refund policies and procedures of the relevant store or platform, which you must contact directly for refund requests.

SWAGTOONS may, at its sole discretion, offer free trials, introductory prices, or other promotional pricing (each, an “Introductory Offer”). After an Introductory Offer (if any), your subscription continues at the standard recurring price disclosed at checkout and renews automatically until you cancel in accordance with the Billing Terms.

2. Refunds Generally

Except where required by applicable law or expressly provided in this Policy, all charges are non-refundable, including:

· subscription charges (including the first charge following a free trial or Introductory Offer and all subsequent renewal charges);

· one-time purchases of digital content (such as episodes, seasons, content packs, or other digital items) once access has been granted;

· purchases of virtual currency or other digital credits;

· amounts paid for any portion of a billing period that has already elapsed, unless required by applicable law.

3. Refunds Required by Law

We will provide refunds or other remedies to the extent required by applicable law. If a mandatory legal right to a refund applies to your purchase, we will honor that right in accordance with the applicable legal requirements.

If you are an EEA/UK consumer, you may have statutory withdrawal rights, except where you requested immediate access to digital content and acknowledged the loss of such rights to the extent permitted by applicable law. Statutory rights vary by country and apply only where and to the extent applicable. Where you have explicitly consented to the immediate start of the Service and acknowledged the loss of your right of withdrawal, no withdrawal-based refund is available for digital content that has been delivered or made accessible.

4. Billing Errors, Access Issues, and Technical Problems

We may issue a refund, reversal, credit, extension of access, or other appropriate correction if we determine, in our reasonable discretion, that one of the following occurred:

· duplicate charge (you were charged twice for the same transaction);

· incorrect amount (you were charged an amount different from the price displayed and agreed at checkout, excluding changes due to taxes where applicable);

· charge after successful cancellation (you were charged after canceling properly and before the renewal date, consistent with the Billing Terms);

· Introductory Offer error (for example, you were charged the standard price earlier than the conversion date shown at checkout, or the Introductory Offer was applied incorrectly due to our systems);

· technical checkout or activation error attributable to our systems that caused an unintended charge or prevented paid access from being activated after payment;

· paid access not delivered due to an issue attributable to SWAGTOONS (for example, the subscription did not activate or Paid Features were not enabled after a successful charge);

· material Service unavailability primarily attributable to SWAGTOONS (in such cases, we may provide a service credit or extension of access instead of a refund, unless a refund is required by law);

· incorrect restriction or termination of paid access attributable to SWAGTOONS (for example, an erroneous suspension shortly after a charge);

· other billing mistake clearly attributable to SWAGTOONS (for example, a misapplied discount or an error in the subscription start date).

If a correction is warranted, we will generally issue it to the original payment method where possible, or provide a credit or extension of access where appropriate.

5. Non-Refundable Situations

To the extent permitted by law, we do not provide refunds for:

· forgetting to cancel before renewal, including failure to cancel before a free trial or Introductory Offer ends and the subscription converts to the standard recurring price;

· dissatisfaction with the Service, with specific titles, episodes, storylines, or characters, or “no longer needing” the Service;

· not using the Service, watching less than expected, or perceived lack of value;

· changes to the available library, including removal, expiration, or modification of specific titles, episodes, languages, dubs, or subtitles, including where such changes result from third-party licensing arrangements;

· regional or geographic restrictions on specific Content or features, where availability was disclosed or where availability changed due to licensing terms or applicable law;

· partial use of a billing period (no prorated refunds), unless required by law;

· one-time purchases of digital content (episodes, seasons, content packs, virtual currency, or other digital items) once the content has been accessed, streamed, downloaded for offline viewing (where offered), unlocked, or spent;

· virtual currency, coins, credits, or other in-Service digital items once spent or used;

· issues outside our reasonable control, including your device limitations, unsupported browser or operating system, network or connectivity issues, VPN or proxy settings, mobile carrier limitations, or local outages;

· issues caused by your environment or setup, including ad blockers, privacy tools, browser extensions, firewall or security software, or restricted network policies that block scripts, cookies, or required Service functionality;

· inability to access the Service due to lost credentials, failure to keep account email current, or failure to maintain access to the email address associated with your account;

· charges impacted by your bank or payment provider, including foreign exchange rates, bank fees, intermediary fees, or payment provider processing delays;

· taxes, duties, or government charges where non-refundable or already remitted, unless required by law;

· suspension, restriction, or termination of access due to your violation of the Terms of Service, suspected abuse, fraud, sharing of credentials, screen recording or piracy, or other misuse;

· situations where access is available and delivered, but you claim you did not notice the renewal terms, pricing, free-trial-to-paid conversion, or cancellation method disclosed at checkout and/or in the Billing Terms.

6. How to Request a Refund or Billing Correction

To request a refund or billing correction, email support@swagtoons.net and include:

· the email address used for your account;

· the date and amount of the charge (and currency);

· any transaction reference or receipt, if available;

· a brief description of the issue (e.g., “duplicate charge,” “charged after cancellation,” “technical checkout error,” “trial converted earlier than disclosed”).

We may request additional information to verify account ownership or payment details.

Timing. Please contact us promptly after you notice an issue. Delays may affect our ability to investigate or resolve it (for example, due to payment processor time limits).

7. Processing Times

If approved, refunds are typically initiated within 5 business days. Your bank, card network, or payment provider may take additional time to post the refund to your account, typically 5-10 business days (timelines vary by provider and country).

SWAGTOONS does not control and is not responsible for processing or posting times once a refund is submitted to the payment processor. To the maximum extent permitted by law, you agree not to assert any claim against SWAGTOONS arising solely from delays caused by banks, card networks, or payment providers in posting or completing a refund.

8. Chargebacks and Payment Disputes

If you believe you were charged incorrectly, please contact us first at support@swagtoons.net so we can help resolve the issue.

Initiating a chargeback before contacting us may delay resolution, may result in suspension or loss of access to the Service while the dispute is pending, and may forfeit your eligibility for a refund or credit under this Policy. We reserve the right to suspend or terminate accounts associated with unresolved chargebacks, excessive chargebacks, or suspected fraud, and to recover any amounts owed (including reasonable handling fees, to the extent permitted by law).

9. Changes to This Policy

We may update this Policy from time to time. Where notice is required by applicable law, we will provide notice as required. Otherwise, it is your responsibility to review the Policy periodically. Continued use of the Service after changes become effective constitutes acceptance of the updated Policy.

10. Governing Law

This Policy is governed by the laws of the Republic of Cyprus, without regard to conflict of laws principles, and is subject to the governing law and venue provisions of the Terms of Service.

11. Contact

If you have questions about this Policy or want to request a refund or billing correction, contact us at support@swagtoons.net.