REFUND POLICY Last Updated: April 8, 2026 These Terms of Use ("Terms") are entered into by and between you ("User," "you," or "your") and Champs Only, LLC, a Florida limited liability company, with a principal place of business at 1100 Brickell Bay Dr, Miami, FL 33131 ("Company," "we," "us," or "our"). These Terms govern your access to and use of the arbs.xyz platform, including all content, functionality, software, analytics, and services offered through the platform (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services. This Refund Policy forms part of the Terms of Service between You and ChampsOnly LLC ("the Company") and is incorporated therein by reference. By subscribing to the Arbs.xyz Platform, You agree to the terms of this Refund Policy. 1. GENERAL POLICY — NO REFUNDS All subscription fees paid to the Company are non-refundable, except as expressly stated in this Refund Policy or as required by applicable law. This applies to both monthly and annual subscription plans. You will not be refunded for forgetting to cancel Your subscription. It is Your sole responsibility to manage Your subscription and cancel before the next billing date if You do not wish to be charged for the next period. Cancellation instructions are available in Your account settings or by contacting support@arbs.xyz. 2. ANNUAL SUBSCRIPTIONS Subscribers who purchase an annual Membership at the rate of $1,297 per year are not eligible for a refund once the annual billing period has commenced, except as set out in the Annual Satisfaction Guarantee in Section 5, or as required by applicable law (see Section 6). 3. MONTHLY SUBSCRIPTIONS Subscribers who purchase a monthly Membership at the rate of $250 per month are not eligible for a refund for the current billing period, except as set out in the Satisfaction Guarantee in Section 4 or as required by applicable law (see Section 6). 4. SATISFACTION GUARANTEE (MONTHLY SUBSCRIBERS ONLY) The Company offers a Satisfaction Guarantee for monthly subscribers. If You have not generated profit equal to or exceeding Your monthly Membership Fee ($250) within Your first full calendar month of active use of the Platform, You may contact the Company to request one (1) additional month of access at no charge. To qualify for the Satisfaction Guarantee, You must meet all of the following conditions: (a) You must be an active monthly subscriber who has completed their first full calendar billing month; (b) You must have genuinely and actively used the Platform during that period (the Company reserves the right to verify usage at its reasonable discretion); (c) You must submit a written request to support@arbs.xyz within seven (7) calendar days of the end of Your first billing month, clearly stating that You are requesting the Satisfaction Guarantee and describing Your experience with the Platform; (d) You must not have previously received a Satisfaction Guarantee from the Company (the Guarantee is available once per subscriber). The Satisfaction Guarantee provides one (1) additional month of Platform access at no charge. It does not constitute a cash refund. It does not alter or waive any of the risk disclosures set out in the Risk Disclosure document. It is not a guarantee of future profit. The Company grants the Satisfaction Guarantee at its reasonable discretion and reserves the right to decline requests that do not meet the qualifying conditions. How to Request All Satisfaction Guarantee requests under this Section must be submitted in writing to: Email: support@arbs.xyz Please include Your full name, the email address associated with Your account, Your subscription plan, the date of Your most recent charge, and a description of Your request. The Company will endeavour to respond within five (5) business days. 5. SATISFACTION GUARANTEE (ANNUAL SUBSCRIBERS ONLY) The Company may, at its sole discretion, consider an Annual Satisfaction Guarantee for subscribers on an annual Membership plan who have demonstrated consistent, good-faith effort in using the Platform over an extended period but have not achieved satisfactory results relative to their Membership Fee. To qualify for consideration under the Annual Satisfaction Guarantee, You must meet all of the following conditions: (a) You must be an active annual subscriber who has completed the full period of consecutive active Membership; (b) You must have demonstrated consistent effort in using the Platform throughout that period, including regular engagement with alerts, tools, and features made available under Your plan over multiple consecutive months (the Company reserves the right to review usage records, activity logs, and other evidence at its reasonable discretion); (c) You must submit a written request to support@arbs.xyz within a reasonable time after the qualifying period, clearly stating that You are requesting consideration under the Annual Satisfaction Guarantee and describing Your experience and use of the Platform; (d) You must not have previously received an Annual Satisfaction Guarantee or equivalent concession from the Company (this offer is available once per subscriber, at the Company's discretion). Any benefit granted under the Annual Satisfaction Guarantee may include, at the Company's sole discretion, an extension of Platform access, a partial credit, or another form of relief. It does not constitute an automatic cash refund and is not guaranteed. The Annual Satisfaction Guarantee is not a guarantee of future profit and does not alter or waive any of the risk disclosures set out in the Risk Disclosure document. The Company grants relief under the Annual Satisfaction Guarantee entirely at its sole discretion. The Company reserves the right to decline any request that does not meet the qualifying conditions, including where use of the Platform has been insufficient, inconsistent, or not sustained over multiple consecutive months. How to Request All Annual Satisfaction Guarantee requests must be submitted in writing to: Email: support@arbs.xyz Please include Your full name, the email address associated with Your account, Your subscription plan, the date of Your most recent charge, and a description of Your request, including a summary of how You have used the Platform during Your Membership period. The Company will endeavour to respond within a reasonable timeframe. 6. UK STATUTORY RIGHTS — COOLING-OFF PERIOD Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers in the United Kingdom ordinarily have a fourteen (14) day right to cancel a contract for digital services purchased online without giving a reason (the "Cooling-Off Period"). However, by completing Your subscription and requesting immediate access to the Platform, You expressly consent to the immediate supply of the digital service and acknowledge that You lose Your right to cancel under the Cooling-Off Period once the service has begun to be performed. This waiver is confirmed at the point of checkout. If You did not request immediate access and the service had not yet begun to be performed at the time of Your cancellation request, You may be entitled to a full refund within the Cooling-Off Period. Please contact support@arbs.xyz promptly if You believe this applies to Your situation. Nothing in this Refund Policy affects Your statutory rights under the Consumer Rights Act 2015 or other applicable UK consumer protection legislation. 7. NO CHARGEBACKS You agree and understand that charges made to Your payment method for the use of the Platform are made in good faith in exchange for access to the Platform. If You have a genuine concern about a charge, You must contact the Company at support@arbs.xyz before initiating a chargeback or dispute with Your bank or card issuer. Initiating a chargeback without first contacting the Company constitutes a material breach of these Terms. In the event of a chargeback initiated in bad faith, the Company reserves the right to: (a) immediately suspend or terminate Your access to the Platform; (b) pursue recovery of the disputed amount, associated chargeback fees, and any other costs incurred by the Company through all available legal means; and (c) report the matter to relevant fraud prevention services. The Company's records of Your subscription, access, and usage of the Platform shall constitute sufficient evidence of the delivery of the service for the purposes of contesting a chargeback with a payment processor or financial institution. 8. CHANGES TO THIS POLICY The Company reserves the right to update this Refund Policy at any time. Any changes will be posted on the Website and will apply to subscriptions commencing after the date of the change. Your continued use of the Platform following any update constitutes Your acceptance of the revised policy. This Refund Policy was last updated on 8 April 2026. Section 5 was added on 30 June 2026.