MMONAJAH™ Refund Policy

Effective Date: January 1, 2026 · Last Updated: October 9, 2026

This Refund Policy applies to all Members, providers, doctors, therapists, attorneys, facilities, and users of the MMONAJAH™ platform. By using the platform, you agree to the terms outlined below. All payments are final and non-refundable.

1. GENERAL POLICY — NO REFUNDS

All payments made on the MMONAJAH™ platform are final and non-refundable. This includes, but is not limited to: • Member membership fees (annual and founding member payments) • The founding member $10 commitment and the balance charged on February 15, 2027 • MMONAJAH Association dues, renewals and Founders 15-Year payments • Certification and continuing education course fees • Consultations, bookings and service fees paid by Members • Travel bookings, deposits and payments • Shop orders for recovery and wellness products • Promotional or discounted purchases Once a payment is processed, no refunds, credits, or reimbursements will be issued under any circumstances. MMONAJAH Bucks are store credit, not money, and are never redeemed for cash.

2. MEMBER REFUND POLICY

Members acknowledge and agree that: • Yearly membership fees are non-refundable • The $10 founding member commitment is non-refundable and is credited toward your first year of membership • The remaining first-year balance charged on February 15, 2027 is non-refundable • Membership benefits remain active until the end of the paid term • Canceling a membership does not result in a refund • Failure to use the platform does not qualify for a refund • Dissatisfaction with a professional or a service does not qualify for a refund Members are responsible for reviewing all service details before booking.

3. ASSOCIATION DUES REFUND POLICY

Providers, doctors, therapists, attorneys and facilities acknowledge and agree that: • Annual Association dues are the only annual fee charged to a professional or facility on the platform • There is no separate platform membership fee, platform subscription fee, listing fee or setup fee, and no such fee is ever charged • Association dues and renewals are non-refundable • Founders 15-Year payments are non-refundable • No refunds are issued for unused time or unused features • No refunds are issued if an account is suspended or removed for violating platform policies • No refunds are issued for changes in business needs or availability • No refunds are issued for marketing or visibility add-ons Professionals are responsible for maintaining active credentials and compliance. See the Cancellation Policy for how dues lapse if unpaid.

4. CERTIFICATION & TRAINING REFUND POLICY

Course enrollments acknowledge and agree that: • Certification and training course fees are non-refundable • No refund is issued for a course that is started but not completed • No refund is issued if a course is retaken, replaced or retired • Certifications confirm completion of MMONAJAH coursework and are not a professional license

5. SERVICE PAYMENTS & CANCELLATIONS

Overview

Payments for services booked through the platform (including consultations, aftercare, mobile nursing, therapy, treatments, transportation and wellness services) are non-refundable.

5.1 Member Cancellations

If a Member cancels a service: • No refund will be issued • The professional's cancellation policy may apply • Credits may be issued only if the professional chooses to offer them (not MMONAJAH)

5.2 Professional Cancellations

If a professional cancels a service: • MMONAJAH may issue a platform credit at its discretion • No monetary refunds will be issued

5.3 No-Shows

If a Member or professional fails to appear for a scheduled service: • No refunds will be issued • The full service fee may still apply

5.4 Service Disputes

Where a service is disputed, MMONAJAH may hold a professional's payout until the dispute is reviewed and may issue a platform credit at its discretion. Credits are not refunds.

6. TRAVEL REFUND POLICY

Travel booked through the MMONAJAH in-house travel desk — flights, hotel and accommodation stays, car rentals and cruises — is supplied by third-party travel suppliers under their own fare rules. Travelers acknowledge and agree that: • Deposits and payments for travel are non-refundable • Supplier cancellation, change, name-change and no-show rules and penalties apply • No refund is issued for missed departures, schedule changes, delays, weather or supplier failure • Travel insurance is not included and is strongly recommended, especially for procedure travel • MMONAJAH Bucks applied to a travel booking are not returned as cash if the booking is canceled

7. SHOP ORDER REFUND POLICY

Recovery and wellness products are fulfilled by third-party suppliers. Customers acknowledge and agree that: • Product orders are final sale and non-refundable • Opened, used or personal-care products cannot be returned • If an item arrives damaged or incorrect, contact support within 7 days and MMONAJAH may arrange a replacement or store credit at its discretion • Shipping delays, availability and product descriptions are the supplier's responsibility

8. MMONAJAH BUCKS

MMONAJAH Bucks are a store credit, not money. • Bucks have no cash value and are never redeemable for cash • Bucks are non-transferable • Bucks are not refundable and cannot be exchanged for a payment refund • Bucks may be forfeited if earned through fraud, abuse, self-referral, duplicate accounts or a policy violation

9. PAYMENT DISPUTES & CHARGEBACKS

Initiating a chargeback or payment dispute is a violation of MMONAJAH's Terms of Service. If a user files a chargeback: • Their account may be suspended or permanently terminated • Outstanding balances may be sent to collections • Legal action may be taken if necessary

10. EXCEPTIONS

MMONAJAH does not offer refunds for: • Dissatisfaction with services • Changes in personal circumstances • Scheduling conflicts • Professional availability • Medical outcomes • Cosmetic results • Travel delays, changes or supplier issues • Misunderstanding of membership, association or certification benefits • Failure to use the platform or unused Bucks There are no exceptions to this policy unless required by law.

11. POLICY CHANGES

MMONAJAH may update this Refund Policy at any time. Continued use of the platform constitutes acceptance of the updated policy.

12. CONTACT US

If you have questions about this Refund Policy, contact us: MMONAJAH™ Email: support@mmonajah.biz

Questions about our refund policy?

support@mmonajah.biz