1) Scope and Eligibility

This policy applies to:

· Standard Membership ($49 USD/year)

· Select Membership ($89 USD/year)

· Family/Friends Add-On Cards / Secondary Cards issued through a primary membership account (whether paid or gifted)

Refund window: You may request a refund at any time within 365 days of the date you paid for (or activated) the membership.

Refund Process: Once your refund request is approved, your membership benefits end immediately, and no further membership benefits will be available.

2) Refund Terms

Full refund within 1 year

· If you request a refund within 365 days of payment, we will refund 100% of the amount you paid.

Usage and Deductions

· There is no minimum usage requirement and no pro-rated calculation.

· Redeemed coupons, received discounts, or earned points do not affect your refund amount.

 Refund fees

· We do not charge any cancellation or processing fees.

· If your payment provider charges any non-refundable transaction fees, we will cover those costs (where allowed) so your refund equals the amount you paid.

Refund Time

· After we confirm and approve your request, we will process the refund within 7 business days.

· The time it takes for funds to appear in your account depends on your bank or payment provider.

Transparency Refunds

· We will provide breakdown confirming: Amount Paid = Amount Refunded.

3) Refund Amount Calculation and Example

Refund Amount = Amount Paid

Example:
If you paid $49 USD for a Standard Membership, and you request a refund at any time within 365 days, your refund will be $49 USD.

4) Primary Membership Benefits and AddOn Cards (Family/Friends / Secondary Cards)

· If the primary membership is refunded, any gifted Family/Friends Add-On Cards or Secondary Cards associated with it will end at the same time.

· If an AddOn Card was purchased separately (paid), the cardholder may request a full refund within 365 days of that card’s own purchase/activation date.

· If an AddOn Card was gifted (free), the refund amount will be $0, and we will display a clear notice stating “No payment was made for this card; access ends when the primary membership ends.”

5) How to Request a Refund

1. Submit a request in the Membership Center or by contacting Customer Support, and complete identity verification.

2. We review requests (typically within 1 business day) and provide a refund summary showing Amount Paid = Amount Refunded.

3. If you notice any issue with the refund details, you may notify us within 3 business days. If we don’t hear from you, we will proceed based on the displayed details.

4. After approval, we process the refund within 7 business days, and notify you once it has been submitted.

6) Disputes and Additional Notes

· Discounted purchases: Refunds are based on the actual amount paid, including discounts or promotions.

· Free trials: If you are within a free trial period and no payment was made, the refund amount will be $0, and access will end when cancellation/refund is applied.

· After 1 year: Requests made after 365 days are not eligible for an unconditional full refund under this policy.

· Policy changes: If we update this policy, we will provide at least 30 days’ notice before changes take effect.

· Appeals: If you disagree with the refund details, you may submit an appeal within 14 days after receiving them. We will respond within 7 business days.

· Company rights: KCM reserves the right to interpret and apply this policy in accordance with applicable law.