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MVM — Mobile Vita Money — Refund & Cancellation Policy

Last updated: 2 September 2026

This Policy forms part of the Terms & Conditions (/terms-and-conditions).

1. What you are buying

  • Credit packs are one-time purchases of Opportunity Credits (Starter 25/£2.99, Builder 75/£6.99, Growth 250/£19.99). Pack credits do not expire.
  • MVM Plus is a monthly subscription (£3.99/month) that renews until cancelled and includes 20 monthly credits and other benefits.
  • Opportunity Credits are digital items delivered/enabled immediately and have no cash value.

2. Your right to cancel (consumer law) — credit packs and MVM Plus treated separately

Under UK consumer law the cancellation rules for one-time digital content (credit packs) and for a subscription service (MVM Plus) are not the same, so we set them out separately.

A) Credit packs (one-time digital content).

  • Credit packs are digital content. As a consumer you may have a statutory 14-day right to cancel. That right can, in principle, be lost once supply of the digital content begins with your express prior consent and your acknowledgement that you thereby lose the right.
  • At present we treat your statutory cancellation and refund rights for credit packs as fully preserved, and we will not refuse a change-of-mind request on the sole basis that a pack was purchased or that some credits were used.

B) MVM Plus (subscription service).

  • MVM Plus is a service supplied over time. As a consumer you may have a statutory 14-day right to cancel the subscription. If you ask us to start the service within that 14-day period, you may be required to pay for the part of the service actually provided up to the point you cancel (a proportionate amount), and the right to cancel is lost once the service has been fully performed.
  • At present we treat your statutory cancellation rights for MVM Plus as fully preserved (see also §4 on cancelling MVM Plus).

Applies to both. Your statutory rights — including for faulty, not-as-described or mis-sold digital content or services, and for duplicate or unauthorised charges — are always unaffected.

3. Refunds — credit packs

  • Credit packs (Starter 25/£2.99, Builder 75/£6.99, Growth 250/£19.99) are one-time purchases of platform-use credits; the credits do not expire. Credits are an in-app entitlement only — they are not cash, e-money or a transferable currency and cannot be withdrawn for cash.
  • We do not treat your statutory cancellation rights as automatically lost merely because a credit pack was purchased or because some credits were used. We will honour change-of-mind refund requests in line with your statutory consumer rights.
  • We will always refund duplicate charges, unauthorised charges, and charges resulting from a proven technical fault on our side, and will remedy faulty or not-as-described digital content as required by law.

4. Cancelling & refunds — MVM Plus

  • MVM Plus is £3.99/month and adds 20 credits for each successful monthly billing period. You may cancel at any time. Cancellation stops future renewals; unless the law requires otherwise, you keep access to the paid subscription benefits until the end of the billing period you have already paid for (no partial-month refunds for change of mind, save where statutory rights require).
  • Credits already added to your balance remain in your account after cancellation and do not expire merely because MVM Plus was cancelled — credits roll over. We do not remove previously granted credits solely because a subscription ends normally.
  • Refunds for faulty service, duplicate charges, unauthorised charges and other statutory rights remain unaffected.
  • To cancel MVM Plus, contact us at [email protected] with your account email and we will action your cancellation.

5. How refunds are made

  • Approved refunds are returned to your original payment method via Stripe. When we refund a specific purchase, the corresponding Opportunity Credits from that purchase are removed from your balance (and your balance will not go below zero). This applies to the refunded purchase only — it does not affect other credits you hold, and normal cancellation of MVM Plus (without a refund) does not remove any credits.

6. How to request

  • Contact [email protected] with your account email and the Stripe receipt/date. We will deal with refund requests without undue delay. Where a refund is due under applicable consumer law, it will be issued within the legally required timeframe. Approved refunds are returned via Stripe to your original payment method.

7. Contact

R-RISING TECHNOLOGIES LTD, company number 17176393 — [email protected]. Registered office address: Cheth House, Valley Lane, Thorney Hill, Bransgore, Dorset BH23 8DX, United Kingdom.