SPEAKCLUB REFUND AND CANCELLATION POLICY

SpeakClub may offer:

• Monthly Programs that automatically renew until cancelled
• Fixed-session or long-term Programs
• Programs paid in installments
• Group Classes, workshops or special events
• Free introductory or demo Classes

The applicable price, number of Classes, Class duration, billing schedule and any minimum commitment will be shown before purchase.

A free demo Class does not require payment.

A Family is not automatically enrolled into a paid Program unless the parent or legal guardian separately completes the paid enrollment process and authorizes payment.

Availability of a free demo does not guarantee that a particular Coach, Class time or Program will remain available.

For an initial purchase, a Family may request cancellation and a refund before the third paid Class begins.

For clarity:

• If no paid Class has been completed, SpeakClub will refund the amount paid for the initial purchase.
• If one or two paid Classes have been completed, SpeakClub may deduct the value of those completed Classes and refund the unused balance.
• Once the third paid Class begins, the Program is no longer eligible for a refund except where required by law or expressly stated in this Policy.

The refund request must be received before the scheduled start time of the third paid Class.

Rescheduling the third Class does not extend the refund window where the Student has already completed two paid Classes and continued participating in the Program.

The Two-Class Refund Window ordinarily applies only once per Student or household and does not restart when:

• A subscription renews
• A Family purchases an additional Program
• A Family changes schedules
• A Coach is replaced
• A Student moves to another learning level

Monthly Programs renew automatically at the price and frequency disclosed during checkout until cancelled.

Refunds

No refund will be provided for a Monthly Program after the Student’s second paid Class, except where:

• SpeakClub is unable to provide purchased Classes
• A payment was unauthorized
• SpeakClub charged the Family incorrectly
• Applicable law requires a refund
• SpeakClub determines that a refund is appropriate after reviewing a serious safety or misconduct concern

After the third paid Class begins:

• Completed Classes are nonrefundable.
• Remaining Classes in the current paid billing period are nonrefundable.
• Unused Classes do not create a cash-refund entitlement.
• Cancelling the subscription does not create a refund for the current billing period.

Cancelling future renewal

A Family may cancel future automatic renewal online through the SpeakClub account or another clearly provided online cancellation method.

Cancellation of automatic renewal will be processed when submitted and will prevent future renewal charges.

Unless otherwise required by law:

• The Family may continue using any remaining eligible Classes through the end of the current paid billing period.
• Cancellation does not retroactively refund the current billing period.
• Cancellation does not require contacting the Coach.
• A cancellation request sent directly to the Coach is not valid notice to SpeakClub.

Families should provide at least 14 calendar days’ notice before the date on which they want recurring Classes to stop.

The 14-day notice is used to manage:

• Coach scheduling
• Reserved Class times
• Future lesson assignments
• Coach transition arrangements
• Release of recurring time slots

Classes scheduled within the 14-day notice period may remain scheduled and are nonrefundable unless:

• The Coach cancels
• SpeakClub agrees otherwise
• Applicable law requires another result

The 14-day scheduling notice does not prevent a Family from immediately cancelling future automatic renewal through the online cancellation method.

SpeakClub will not impose an additional renewal charge merely because fewer than 14 days remain before the next renewal date after a valid online cancellation has been completed.

A long-term Program may include:

• A fixed number of Classes
• A fixed total price
• A discounted package price
• Upfront payment
• Installment payments toward the total package price

The total package price, number of Classes and payment schedule will be disclosed before purchase.

Refunds before the third paid Class

A Family may request cancellation before the third paid Class begins.

SpeakClub may:

• Deduct the value of completed Classes;
• Deduct nonrefundable third-party charges disclosed before purchase; and
• Refund the remaining eligible balance.

Unless a different per-Class value was disclosed during checkout, completed Classes will be valued by dividing the total Program price by the total number of included Classes.

No refunds after the second paid Class

Once the third paid Class begins:

• The long-term Program is nonrefundable.
• No refund is provided for unused Classes.
• No refund is provided because the Student stops attending.
• No refund is provided because the Family’s schedule changes.
• No refund is provided because the Student loses interest.
• No refund is provided because the Family no longer wishes to continue.
• A Coach replacement does not restart the refund window.

This section does not remove any refund or cancellation right that cannot legally be waived.

An installment plan for a long-term Program is a payment arrangement for the disclosed total Program price. It is not necessarily a cancel-anytime monthly subscription.

Where a Family purchases a fixed long-term Program through installments:

• The total package price will be disclosed before purchase.
• The installment amount and payment schedule will be disclosed before purchase.
• Each installment is applied toward the total package commitment.
• Completing two paid Classes and proceeding to the third Class confirms continuation beyond the refund window.
• After the third paid Class begins, cancellation of attendance does not ordinarily eliminate remaining installment obligations.

If a Family validly cancels before the third paid Class begins:

• Future installments will be cancelled.
• SpeakClub may deduct the value of completed Classes.
• Any eligible excess amount already paid will be refunded.

SpeakClub will not collect installments for services it has permanently cancelled or cannot reasonably provide.

A Family may request another Coach where:

• The current Coach is not a good fit
• The Coach becomes unavailable
• The schedule no longer works
• A legitimate quality concern arises
• A safety or conduct concern arises

SpeakClub will make reasonable efforts to introduce another available Coach.

A Coach change ordinarily does not entitle the Family to a refund and does not restart the Two-Class Refund Window.

Where SpeakClub cannot provide a reasonable replacement within a reasonable period, SpeakClub may provide:

• A credit
• An extension
• A pause
• A refund for undelivered Classes

The appropriate remedy will depend on the circumstances and applicable law.

Unless different terms were clearly disclosed before purchase:

• A 1:1 Class may be rescheduled with at least 24 hours’ notice.
• A Class cancelled with fewer than 24 hours’ notice may be counted as used.
• A missed Class may be counted as used.
• Late arrival does not ordinarily extend the Class.
• Make-up Classes are subject to Coach availability.
• Make-up credits must ordinarily be used within 90 days.

A rescheduling or cancellation request must be submitted through SpeakClub’s approved process.

Contacting the Coach through personal email, telephone, text, WhatsApp or social media is not valid notice.

If a Coach cancels or fails to attend a confirmed Class, SpeakClub will ordinarily provide one of the following:

• A rescheduled Class
• A replacement Class
• A Class credit
• A replacement Coach
• A refund for the affected Class

A Coach-cancelled Class will not be counted as a completed Student Class unless it is rescheduled and delivered.

Group Programs, workshops, showcases and fixed-date events may have separate cancellation rules because capacity is reserved in advance.

Unless different terms were disclosed before purchase:

• A Family may request a refund before the second paid group session is completed.
• No refund is provided after the second paid group session.
• Missed group sessions are nonrefundable.
• An individual make-up session is not guaranteed.
• A Family’s inability to attend does not require SpeakClub to cancel or repeat the event.

Where SpeakClub cancels an entire event and does not provide a reasonable replacement date, SpeakClub will provide a credit or refund for the cancelled portion.

SpeakClub may allow a Program to be paused at its discretion.

A pause:

• Is not guaranteed
• Does not create a refund
• May be limited in duration
• May affect Coach or schedule availability
• Does not necessarily suspend a fixed-package installment obligation
• Must be approved through SpeakClub Support

Any approved pause terms will be confirmed in writing.

A refund is not ordinarily provided for technical issues caused by the Family or Student, including:

• Inadequate internet access
• An unsupported device
• Failure to install required software
• Camera or microphone problems
• Forgotten account credentials
• School-device restrictions
• Failure to join the Class on time

Where a substantial technical failure is caused by SpeakClub or its required Class system and materially prevents the Class from being delivered, SpeakClub may provide:

• A replacement Class
• A Class credit
• A rescheduled Class
• A refund for the affected Class

Safety concerns may be reported at any time and are not subject to:

• The Two-Class Refund Window
• The 14-day scheduling notice
• The normal 24-hour Class cancellation rule

A Family or Student may immediately leave a Class if they feel unsafe or seriously uncomfortable.

SpeakClub may investigate the concern and may:

• Temporarily suspend the Coach
• Preserve relevant records
• Introduce another Coach
• Provide a credit
• Refund undelivered Classes
• Take another appropriate action

Reporting a concern does not automatically guarantee a refund. SpeakClub will review the circumstances, available evidence, services delivered and applicable legal obligations.

Nothing in this Policy limits responsibility or rights that cannot lawfully be waived.

A Family should promptly contact SpeakClub if they believe:

• A payment was unauthorized
• The amount charged was incorrect
• A subscription continued after a confirmed cancellation
• The same payment was processed more than once

SpeakClub will investigate and refund confirmed billing errors.

This Policy does not limit any lawful payment-card dispute or consumer-protection right.

Approved refunds will ordinarily be returned to the original payment method.

Processing times depend on the payment provider and financial institution. A refund may take approximately 5–10 business days to appear after it has been processed by SpeakClub.

SpeakClub is not responsible for additional delays caused solely by the payment provider, bank or card issuer.

Credits have no cash value unless applicable law requires otherwise.

Where a Program was purchased using a promotion or discount:

• Refunds are based on the amount actually paid.
• Promotional value is not refundable as cash.
• Discounts may be forfeited when a Program is cancelled.
• Any nonrefundable promotional conditions must have been disclosed before purchase.

To cancel automatic renewal, use the online cancellation option available through the SpeakClub account or the cancellation method identified in the purchase confirmation.

To request a refund or report a billing concern, contact contact@fiverkids.com.

Include:

• Parent or guardian name
• Account email
• Student name
• Program purchased
• Purchase date
• Date of completed Classes
• Reason for the request

Do not send payment-card details by email or Platform Messaging.

For safety concerns, contact contact@fiverkids.com.

Nothing in this Policy limits a right or remedy that cannot legally be waived, including rights relating to:

• Unauthorized charges
• Fraud or material misrepresentation
• Services not delivered
• Legally required cancellation rights
• SpeakClub’s own unlawful or willful conduct
• Other mandatory consumer protections

SpeakClub may update this Policy prospectively.

Material changes affecting an existing automatic-renewal or fixed-package commitment will be communicated where required by law.

The version in effect when a Family purchases a Program will ordinarily govern that purchase unless:

• The Family affirmatively accepts a later change
• The purchase is renewed or extended under updated terms
• Applicable law requires another result

FiverKids LLC d/b/a SpeakClub 32400 Seaside Drive Union City, CA

General support: contact@fiverkids.com

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Legal notices: contact@fiverkids.com