1. Acceptance of Terms

By using this website (www.nearnativehub.com), you agree to these Terms and
Conditions and any other relevant policies. If you do not agree, please do not
use the site.

2. Definitions

• “Merchant”
  / “We”: FOP Tetiana Mykhaliuk
• “User”
  / “You”: Any visitor or customer using this website.
• “Service”:
  Online services offered, including payments processed via WayForPay.

3. Payment Processing via WayForPay

Transactions are processed through the WayForPay payment
gateway. By placing an order, you authorize NearNativeHub.com to use WayForPay
to complete your payment. See WayForPay’s Business Terms and Conditions for
more details.

4. Payment Methods, Refunds & Cancellations

• Accepted
  payment methods: Visa, MasterCard, etc., via WayForPay. Regular
  payments, one-click payments, QR payments, and reservations are supported
  by WayForPay.
• Refunds
  and cancellations are subject to Section 12 of this policy and follow
  WayForPay’s return guidelines.

5. Pricing and Billing

All prices are displayed in USD. Payment is collected at
checkout via WayForPay. Any subscription or recurring billing follows the
schedule you authorize during checkout.

6. Limitation of Liability

NearNativeHub.com and WayForPay are not liable for indirect
or incidental damages, including but not limited to lost profits or data. Our
maximum liability is limited to the total amount you paid in the last 12
months.

7. Security & Anti-Fraud Measures

We implement reasonable anti-fraud measures, including those
provided by the WayForPay platform.

8. Modifications

We may update these Terms and Conditions at any time.
Material changes will be communicated via email or through a notice on the
website. Continued use of the website after such changes constitutes acceptance
of the updated terms.

9. Intellectual Property

All content on this website is the property of
NearNativeHub. You agree not to copy, distribute, or modify any content without
written permission.

10. Governing Law

These Terms are governed by the laws of Ukraine. All
disputes shall be resolved in the courts located in Rivne, Ukraine.

11. Contact Information

If you have any questions or concerns about these Terms,
please contact us:
Email: tetiana.mykhaliuk@gmail.com
Address: Rivne, Ukraine

12. Refund and Cancellation Policy

At NearNativeHub, we are committed to providing a
transparent and fair refund policy to ensure that users feel confident and
secure when using our services.

12.1 General Policy

Due to the digital nature of our services (e.g., language
lessons, online content, and bookings), all purchases are considered final.
However, we understand that issues can arise, and we will review refund
requests on a case-by-case basis.

12.2 Eligibility for Refund

You may request a refund under the following circumstances:

• You
  were charged by mistake (e.g., duplicate payment).
• You
  were unable to access the service due to a technical error on our side.
• A
  scheduled session was cancelled by us without proper notice or
  rescheduling.
• You
  did not receive the service you paid for (e.g., missed session, incorrect
  content).

Note: Refunds are not guaranteed for missed sessions
or user cancellations without a minimum of 24 hours’ notice.

12.3 How to Request a Refund

To request a refund, please contact us within 7 days
of the original payment date:

• Email:
  tetiana.mykhaliuk@gmail.com
• Subject
  Line: “Refund Request – [Your Order ID]”
• Include
  your full name, order date, proof of payment, and reason
  for the refund.

We will respond within 3–5 business days with the
outcome.

12.4 Refund Processing

• Approved
  refunds will be issued to the original payment method.
• Processing
  time depends on your payment provider and usually takes 5–10 business
  days.
• All
  refunds are processed securely via WayForPay.

12.5 Non-Refundable Items

Refunds are not provided for:

• Services
  already delivered or consumed.
• Missed
  appointments without proper cancellation (less than 24 hours in advance).
• Partial
  use of a subscription plan.
• Gift
  cards or promotional credits.

12.6 Cancellations

You may cancel any upcoming session or subscription by
emailing us or through your account dashboard. Please cancel at least 24
hours in advance to avoid being charged.

12.7 Contact

If you have questions about this refund policy or your
eligibility for a refund:
Email: tetiana.mykhaliuk@gmail.com
Address: Rivne, Ukraine