Marcomn MCredits, Payments & Refund Policy

MARCOMN PTE. LTD.

VISION EXCHANGE, 2 Venture Drive, #13-028, Singapore 608526

Contact: ops@marcomn.com

MCredits are internal Marcomn platform credits. They are not money, electronic money, a bank deposit, a cryptocurrency, or an investment. They may be used only for eligible actions made available through Marcomn and cannot be transferred or redeemed for cash except where required by law or expressly approved under this Policy.

MCredits may be held in a Personal wallet or a Company wallet. A user acting through a Company uses the Company's wallet where the workflow identifies the Company as the paying identity. Users must have the required authority for wallet activity.

Available top-up packages and prices are shown through the relevant workflow. MCredits are credited after payment is successfully confirmed through the applicable payment process. Payment-provider records and platform transaction records may be used to verify the outcome.

Eligible actions may require MCredits. The applicable price or fee is displayed or confirmed before completion. Once an action is completed, its confirmed fee is not changed retroactively. Future pricing may change prospectively, with updated prices shown in the applicable workflow.

MCredit purchases are generally final once the MCredits have been used. Completed platform actions and consumed MCredits are normally not reversible merely because a user later changes their mind. This does not limit rights that cannot lawfully be excluded.

Unused MCredits purchased through an eligible online top-up may qualify for a refund after review, including where there is a duplicate, technical, incorrect, or unauthorized transaction. Eligibility is limited to the remaining eligible unused balance and is subject to payment-provider capability, applicable law, and Marcomn's transaction records.

Contact ops@marcomn.com or use an available refund-request workflow with sufficient transaction details. Marcomn may request information needed to verify the account, payment, usage, and request. Submitting a refund request does not guarantee approval.

An approved refund remains approved even if automated payment-provider processing is temporarily unavailable. An approved refund may be processed through the available payment-provider workflow or another appropriate administrative process. Timing and method depend on verification, provider capability, applicable law, and transaction records.

Where a refund is completed, Marcomn may deduct or cancel the corresponding eligible unused MCredits and record the adjustment. We may correct duplicate credits, obvious processing errors, fraud, chargebacks, or unauthorized transactions where permitted by law.

Contact Marcomn first where practical so we can investigate. A chargeback or payment dispute may result in temporary restrictions or wallet adjustments while the matter is reviewed. Nothing here removes mandatory payment-dispute rights.

Offline advance payments are arranged directly between the relevant platform parties. Marcomn does not receive, hold, escrow, safeguard, or transmit those funds, and Stripe does not process them through Marcomn. MCredit refund rules do not apply to those funds. Supporting proof may be stored, but it does not itself guarantee payment validity, receipt, recoverability, finality, or legal entitlement.

Online payments may be processed by Stripe or another available payment provider. Provider capability, rules, processing times, and records may affect a payment or refund. Marcomn does not store complete payment-card numbers through its normal checkout flow.

We may update this Policy for legal, operational, provider, or service changes. Updates apply prospectively from their stated effective date unless applicable law requires otherwise.

Payment and refund questions may be sent to:

MARCOMN PTE. LTD.

VISION EXCHANGE, 2 Venture Drive, #13-028, Singapore 608526

Contact: ops@marcomn.com