No Refunds Policy

Effective Updated: January 1, 2025

Last Updated: January 1, 2025

1. Policy Statement

1.1 Scope of Policy

Covered Transactions:

• Service fees
• Processing fees and transaction costs
• Setup fees and activation charges
• Administrative fees and penalties
• Third-party service charges

1.2 Payment Methods

This policy applies regardless of the payment method used, including:

• Credit card payments
• Debit card transactions
• Digital wallet payments (PayPal, Apple Pay, Google Pay, etc.)
• Bank transfers and ACH payments
• Cryptocurrency payments (where accepted)
• Gift cards and promotional credits

2. No Exceptions Policy

2.1 Circumstances Not Qualifying for Refunds

Refunds will NOT be issued under any circumstances, including but not limited to:

Service-Related Issues:

• Dissatisfaction with predictions or analysis accuracy
• Disagreement with statistical models or methodologies
• Disappointment with simulation results or outcomes
• Technical difficulties or temporary service interruptions
• Changes to service features or functionality

Personal Circumstances:

• Changes to financial situation
• Loss of interest in baseball or sports betting
• Relocation to jurisdictions where service is restricted
• Personal emergencies or hardships
• Buyer’s remorse or change of mind

Technical Issues:

• Browser compatibility problems
• Internet connectivity issues
• Device or software conflicts
• User error or misunderstanding of features
• Accidental purchases or duplicate transactions

External Factors:

• Changes in gambling laws or regulations
• Economic downturns or market conditions
• Force majeure events or natural disasters
• Third-party service disruptions
• Government restrictions or sanctions

2.2 Duplicate Payments

Even in cases of duplicate payments or billing errors, our policy is to provide service credits rather than cash refunds. Users who experience duplicate charges will receive equivalent service credits that can be applied to future purchases.

2.3 Unauthorized Transactions

For unauthorized transactions, users should contact their payment provider (bank, credit card company, etc.) directly to dispute the charges. We will cooperate with legitimate fraud investigations but will not issue direct refunds.

3. Subscription Cancellations

3.1 Cancellation Process

Users may cancel their subscriptions at any time through their account settings or by contacting customer support. However, cancellation does not entitle users to refunds for any portion of the subscription period.

3.2 Service Continuation

Upon cancellation, users will continue to have access to paid services until the end of their current billing period. No prorated refunds will be provided for unused portions of the subscription.

3.3 Automatic Renewal

Subscriptions automatically renew unless cancelled before the renewal date. Users are responsible for cancelling subscriptions they no longer wish to continue, and no refunds will be provided for automatic renewals.

4. Legal Basis for Policy

4.1 Nature of Digital Services

Our no refunds policy is based on the nature of our digital services:

• Immediate Access: Users receive immediate access to our predictions, analysis, and tools upon payment, making it impossible to "return" the service.
• Ongoing Value: Our service provides continuous value through regular updates, new predictions, and ongoing access to tools and features.
• Intellectual Property: Our content represents valuable intellectual property and proprietary analysis that cannot be "returned" once accessed.

4.2 Industry Standards

The no refunds policy is consistent with industry standards for:

• Digital content and software services
• Subscription-based online platforms
• Educational and informational services
• Entertainment and simulation platforms

4.3 Legal Compliance

This policy complies with applicable consumer protection laws while protecting our legitimate business interests in providing digital services and intellectual property.

5. Alternative Remedies

5.1 Service Credits

In exceptional circumstances involving technical errors or billing mistakes, we may, at our sole discretion, provide service credits that can be applied to future purchases. Service credits:

• Cannot be converted to cash
• Have no monetary value outside our Service
• May have expiration dates
• Cannot be transferred to other users

5.2 Technical Support

For technical issues or service problems, we provide comprehensive customer support to help resolve issues and ensure users can fully utilize our Service.

5.3 Service Improvements

We continuously work to improve our Service based on user feedback and technical developments. While we cannot provide refunds, we strive to enhance the value and quality of our offerings.

6. Consumer Rights

6.1 Statutory Rights

This policy does not affect any statutory rights that cannot be excluded under applicable law. However, to the maximum extent permitted by law, we exclude all rights to refunds and returns.

6.2 Dispute Resolution

Users who disagree with this policy may pursue dispute resolution through:

• Direct communication with our customer support team
• Binding arbitration as specified in our Terms of Service
• Legal action in accordance with our Terms of Service

6.3 Regulatory Complaints

Users may file complaints with relevant regulatory authorities if they believe our practices violate applicable consumer protection laws.

7. Payment Processor Policies

7.1 Third-Party Disputes

Users may attempt to dispute charges directly with their payment providers (credit card companies, banks, etc.). However:

• We will defend against illegitimate chargebacks
• Successful chargebacks may result in account suspension
• We reserve the right to pursue collection for disputed amounts

7.2 Chargeback Consequences

Users who initiate chargebacks may face:

• Immediate account suspension or termination
• Loss of access to all services and content

8. Communication and Transparency

8.1 Clear Disclosure

This no refunds policy is clearly disclosed:

• During the checkout process
• In our Terms of Service
• On our pricing and subscription pages
• In confirmation emails and receipts

8.2 User Acknowledgment

By making any payment, users explicitly acknowledge and agree to this no refunds policy. Continued use of our Service after policy updates constitutes acceptance of any changes.

9. Policy Updates

9.1 Right to Modify

We reserve the right to modify this no refunds policy at any time. Changes will be effective immediately upon posting on our website.

9.2 Notification

Material changes to this policy will be communicated through:

• Website notifications
• Email alerts to registered users
• Updates to our Terms of Service

9.3 Grandfathering

Policy changes will apply to all future transactions. Existing subscriptions and purchases remain subject to the policy in effect at the time of purchase.

10. Contact Information

For questions about this No Refunds Policy or to request customer support, please contact:

MM Trade LLC

Email: [email protected]

Mailing Address: PO Box 189, Vail, CO 81658

Customer Support Hours: Monday - Friday: 9:00 AM - 5:00 PM (Mountain Time)

Response Time: Within 24-48 hours for non-urgent matters

11. Legal Enforcement

11.1 Binding Agreement

This No Refunds Policy is a binding agreement between users and MM Trade LLC. Violation of this policy may result in legal action.

11.2 Governing Law

This policy is governed by the laws of the State of Colorado, and any disputes shall be resolved through binding arbitration in Colorado, USA.

11.3 Severability

If any provision of this policy is found to be unenforceable, the remaining provisions shall continue in full force and effect.

© 2025 MM Trade LLC. All rights reserved.