Refund Policy

This Refund and Cancellation Policy ("Policy") governs all refund, cancellation, and return requests related to services provided by Linea Tech ("Linea Tech", "we", "us", "our"). This Policy is designed to comply with all applicable Canadian federal and provincial laws, including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the Retail Payment Activities Act (RPAA), and applicable provincial consumer protection legislation. Linea Tech is a financial technology company, not a bank. Payment processing and banking services are provided by licensed partner institutions. This Policy applies to the following Linea Tech services: - International and domestic money transfer services - Currency exchange services (fiat-to-fiat and fiat-to-digital asset) - Payment processing and merchant acquiring services - Digital wallet and balance storage services - SoftPOS (tap-to-phone) payment acceptance services - Digital tipping and gratuity collection services - QR code payment processing services

Clients may cancel a money transfer transaction and receive a refund under the conditions outlined below. All cancellation and refund procedures are designed to comply with Canadian consumer protection standards and RPAA requirements.

• 30-Minute Cancellation Window: Clients may cancel any money transfer within thirty (30) minutes of initiating payment, provided the transfer has not yet been completed or collected by the recipient. - Full Refund: Upon valid cancellation within this window, Linea Tech will refund the full transfer amount, including all fees and applicable taxes. - No Cancellation Fee: No cancellation fee will be charged for cancellations made within the 30-minute window. - Extended Cancellation: If a transfer has not been completed, collected, or deposited by the recipient, clients may request cancellation at any time before completion. Transaction fees may be retained as an administrative charge.

Upon approval of a valid refund request, Linea Tech will process refunds according to the following timelines: - Original Payment Method: 3-5 Business Days (standard processing) - Linea Tech Wallet Credit: Within 24 Hours (fastest option) - Bank Wire Transfer: 5-10 Business Days (subject to banking delays) - Interac e-Transfer: 1-3 Business Days (Canada domestic only) - Credit/Debit Card Refund: 5-14 Business Days (depends on card issuer)

The following situations are not eligible for refunds: 1. Completed Transfers: Transfers that have been collected, deposited, or credited to the recipient's account 2. Incorrect Recipient Information: Transfers sent to incorrect accounts due to client-provided erroneous information 3. Regulatory Holds: Funds frozen, seized, or held pursuant to regulatory requirements, court orders, or law enforcement requests 4. Fraudulent Transactions: Transactions identified as fraudulent or in violation of Linea Tech's terms of service 5. Force Majeure: Delays or failures caused by circumstances beyond Linea Tech's reasonable control

Currency exchange transactions are subject to the following refund conditions: - Pre-Execution Cancellation: Clients may cancel a currency exchange order before execution without penalty - Post-Execution: Once a currency exchange has been executed, the transaction is final and cannot be reversed - Rate Fluctuation: Linea Tech is not responsible for refunds due to exchange rate movements after transaction execution - Error Correction: If Linea Tech makes an error in processing a currency exchange, we will correct the error and refund any excess amounts within five (5) business days

4.1 Merchant Refund Obligations Merchants using Linea Tech payment processing services are required to: - Maintain and display a clear refund policy to their customers - Process legitimate refund requests promptly through the Linea Tech merchant portal - Refund transactions using the same payment method as the original transaction - Comply with all applicable Card Scheme Rules regarding refunds 4.2 Consumer-Initiated Refunds (Chargebacks) Consumers who have made payments through lineatech-enabled merchants may: 1. First contact the merchant directly to request a refund 2. If unresolved within fifteen (15) business days, contact Linea Tech customer support 3. Initiate a chargeback through their card issuer for eligible disputes 4.3 SoftPOS and Digital Tipping Refunds - Tips and Gratuities: Once a tip has been processed and credited to the recipient, it is generally non-refundable unless processed in error - Duplicate Charges: Linea Tech will promptly refund any duplicate or erroneous charges upon verification - Disputed Amounts: Disputes regarding tip amounts should be addressed directly with the service provider/merchant

5.1 Wallet Balance Withdrawal Clients may withdraw their Linea Tech wallet balance at any time, subject to: - Successful completion of identity verification (KYC) requirements - No pending transactions or holds on the account - Compliance with applicable withdrawal limits and procedures - Any applicable withdrawal fees as disclosed in the fee schedule 5.2 Account Closure Refunds Upon voluntary account closure or service termination: 1. Linea Tech will reconcile all outstanding transactions 2. Remaining wallet balance will be returned to the client's verified bank account 3. Refunds will be processed within fifteen (15) business days of account closure completion 4. Any pending chargebacks or disputes may delay final settlement

6.1 Refund Request Procedure To request a refund, clients must: - Submit Request: Contact Linea Tech via email (info@lineatech.com), in-app support, or website (www.lineatech.com/support) - Provide Information: Include transaction reference number, date, amount, and reason for refund - Verification: Complete any required identity verification to prevent fraud - Await Response: Linea Tech will acknowledge the request within five (5) business days 6.2 Required Documentation Depending on the nature of the refund request, clients may be required to provide: - Transaction receipt or confirmation - Government-issued identification - Proof of payment (bank statement, card statement) - Written explanation of the refund request - Any supporting documentation relevant to the claim

7.1 Internal Complaint Process If a client is dissatisfied with a refund decision, they may escalate through Linea Tech's internal complaint resolution process: - Level 1 - Customer Support: Initial review by customer support team (response within 5 business days) - Level 2 - Compliance Review: Escalation to Compliance Officer for independent review (response within 10 business days) - Level 3 - Senior Management: Final internal review by senior management (response within 15 business days) 7.2 External Dispute Resolution If internal resolution is not satisfactory, clients may pursue external options: - Provincial Consumer Protection: Contact the Ontario Ministry of Public and Business Service Delivery or applicable provincial consumer affairs office - Arbitration: Binding arbitration in Ontario, Canada, in accordance with the Arbitration Act - Small Claims Court: For disputes under $35,000, clients may file a claim in Ontario Small Claims Court

All refund requests are subject to Linea Tech's Anti-Money Laundering (AML) and Know Your Customer (KYC) controls. Linea Tech reserves the right to: - Request additional verification before processing refunds - Delay refunds pending completion of compliance reviews - Report suspicious refund patterns to the relevant authority where required by law - Retain funds where required by regulatory or legal obligations Client funds are held with licensed partner institutions in accounts segregated from Linea Tech's own, and balances are reconciled daily. Refund records are retained for a minimum of five (5) years following the date of the transaction.

For refund requests, complaints, or inquiries regarding this Policy: Legal Entity: to be confirmed Registered Address: 422 Richards St., Suite 170, Vancouver, British Columbia V6B 2Z4, Canada Email: info@lineatech.com Website: www.lineatech.com Regulatory Status: financial technology company; not a bank This Policy is subject to applicable Canadian federal and provincial laws. Linea Tech reserves the right to amend this Policy at any time. Material changes will be communicated with thirty (30) days' advance notice to registered clients.