3. Refund & Cancellation Policy

1. Nature of the Digital Service 1.1 Waiver2.0 provides an immediate digital service: the generation of a SHA-256 hashed forensic record of the signed waiver. 1.2 Once the Athlete completes the "Pay & Sign" process and the digital waiver is generated and stored, the service has begun; this does not affect the 14-day refund in Section 2.1 or the right of withdrawal in Section 4.3. 1.3 Users are advised to review all Terms, Privacy Policy, and subscription details prior to completing the "Pay & Sign" process, as the service commences immediately upon payment confirmation. 2. General Refund Eligibility 2.1 14-Day Refund: Any buyer may cancel a purchase within 14 days of the day of purchase, without giving any reason, and receive a full refund. The request is made to Paddle.com, the reseller and Merchant of Record for all our orders and the seller of record shown at checkout, through the link in its receipt email or at paddle.net; it may also be sent to support@waiver2.com from the email address used for the purchase, or quoting it, and Waiver2.0 OÜ passes it on to Paddle.com. The full payment is refunded within 14 days of the seller of record receiving the request, using the same means of payment. A refund does not change the declarations already made in the signed waiver. 2.2 Technical Failure Exception: In addition to Section 2.1, a refund will be considered where there is proven technical failure of the Platform resulting in the forensic record not being successfully generated or delivered, despite a successful payment transaction being recorded. In such cases, users should notify Waiver2.0 at support@waiver2.com as soon as reasonably possible after the failed transaction. 2.3 Nothing in this Policy limits any non-excludable refund or remedy rights available to users under applicable mandatory consumer protection law in their jurisdiction, as set out in Section 4 below. 3. Term and Cancellation of a Plan 3.1 A plan is valid for a term of 365 days (the "12 months" of the Platform's documents) from payment. 3.2 A plan does not renew automatically: it ends at the end of the 12-month period, and a new plan is bought only if the user chooses to buy one. 3.3 After the 14 days in Section 2.1, cancellation of an active plan does not entitle the user to a partial refund for the remaining period of the plan, subject to the jurisdiction-specific rights set out in Section 4. 3.4 Upon cancellation or at the end of the plan, the user's personal data is retained for the remainder of the applicable retention period and is then to be permanently deleted in accordance with the Platform's data retention policy. The cryptographic record of the signing event — hash values, timestamps, and chain position — is retained permanently by design and contains no personal data. 4. Jurisdiction-Specific Consumer Rights 4.1 🇦🇺 Australia — Australian Consumer Law (ACL) In addition to the 14-day refund in Section 2.1, Australian users retain all non-excludable rights under the Australian Consumer Law (Schedule 2, Competition and Consumer Act 2010 (Cth)). In particular: Where the Platform fails to render services with due care and skill, Australian users are entitled to request a remedy, which may include a refund, repeat performance, or price reduction. Where the service is not fit for the purpose for which it was acquired, or does not match the description provided, Australian users are entitled to a remedy under the ACL consumer guarantees. Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and receive a refund for the unused portion, or to compensation for its reduced value. Complaints may be directed to support@waiver2.com or to the Australian Competition and Consumer Commission (ACCC) at www.accc.gov.au. 4.2 🇨🇦 Canada — Provincial Consumer Protection Legislation Canadian users retain all non-waivable refund and remedy rights under applicable provincial consumer protection legislation, including but not limited to: Ontario: Consumer Protection Act 2002 — users have the right to cancel an internet agreement within 7 days of receiving a written copy of the agreement where the supplier has not complied with disclosure requirements. British Columbia: Business Practices and Consumer Protection Act. Quebec: Consumer Protection Act — users have additional rights including a cooling-off period for certain distance contracts. Complaints may be directed to support@waiver2.com or to the applicable provincial consumer protection office. 4.3 🇪🇺 European Union, European Economic Area and 🇬🇧 United Kingdom — Right of Withdrawal If you are a consumer resident in the European Union, the European Economic Area or the United Kingdom, you may withdraw from the purchase of a plan within 14 days of the day of purchase, without giving any reason (Directive 2011/83/EU on consumer rights, Article 9; in the United Kingdom, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013). The withdrawal is exercised through the seller of record shown at checkout, Paddle.com, by a clear statement made before the 14 days have passed; the statement may also be sent to support@waiver2.com from the email address used for the purchase, or quoting it, and Waiver2.0 OÜ passes it on to Paddle.com. If you withdraw within the 14 days, the full payment is refunded within 14 days of the seller of record receiving your statement, using the same means of payment (Directive 2011/83/EU, Article 13). Withdrawal does not change the declarations already made in the signed waiver. Complaints may be directed to support@waiver2.com or to the consumer protection authority of your country. 4.4 🇺🇸 United States — Applicable State Consumer Protection Law US users retain all applicable non-waivable refund rights under state consumer protection law. In particular: California: Users have rights under the California Consumer Legal Remedies Act (CLRA) and the Automatic Renewal Law (ARL). A plan does not renew automatically; its terms, including the 12-month period, are shown before purchase. All States: Waiver2.0 does not impose mandatory arbitration or class action waivers where prohibited by applicable state law. Complaints may be directed to support@waiver2.com or to the relevant state Attorney General's consumer protection division. 5. Dispute Resolution — Refund Disputes 5.1 In the event of a refund dispute, users are encouraged to contact support@waiver2.com in the first instance. Waiver2.0 aims to respond within 5 business days. 5.2 Where a dispute is raised via Our payment provider's own dispute resolution process, Waiver2.0 will provide the tamper-evident audit log (timestamp, IP address, Contract_ID, and forensic hash) as evidence of service delivery; the IP address and the server timestamp are recorded with the sealed record, the server timestamp is not an input to the hash chain, and for waivers submitted from 16 October 2026 neither is the IP address; the weight of the log is for the body deciding the dispute. This does not apply to a request made within the 14 days of Section 2.1 or Section 4.3. 5.3 Where a dispute cannot be resolved directly, users may refer the matter to the competent consumer authority or tribunal in their jurisdiction, as set out in Section 4 above. 6. Contact 6.1 For all refund and cancellation enquiries: Paddle.com, the Merchant of Record for all our orders, through the link in its receipt email or at paddle.net; or support@waiver2.com, which passes the request on to Paddle.com. 6.2 For escalated disputes, users may also contact the relevant consumer protection authority in their jurisdiction as listed in Section 4. Last updated: 7 November 2026.