Refund Policy

This Refund Policy explains when purchases made on the MOALM platform ("MOALM", "we", "us") are eligible for a refund, how to request one, and how approved refunds are processed. It forms part of our Terms & Conditions.

MOALM sells digital services that are delivered immediately on payment confirmation — document processing, AI-generated study content, adaptive learning, and exam intelligence analyses. Because these services are consumed on delivery, refunds are available only within the windows and conditions below.

Payments are processed by our third-party payment processor, Kashier. All approved refunds are returned to the original payment method.

Pass purchases are eligible for a refund when both of the following hold:

• The refund is requested within 7 days of the payment date; and
• The paid features have not been substantially used.

Substantial use includes starting to consume the paid service — for example, processing documents, generating paid AI content, using paid Adaptive Learning, or running Exam Intelligence. Once any of these has been used in more than a trivial way, the purchase is non-refundable.

A standalone Exam Prediction purchase is refundable within 24 hours of payment, and only if the Exam Prediction has not been run.

Once the analysis has completed, the purchase is non-refundable, because the service has been fully consumed on delivery.

Regardless of the windows above, we will review and remedy the following cases:

• Duplicate payment — you were charged twice for the same purchase;
• Unauthorized or incorrect charge — a charge you did not authorize, or an amount that does not match the advertised price;
• Technical failure — a failure on our side meant you did not receive the service you paid for; and
• Any rights granted to you by applicable consumer protection law that cannot be excluded.

To request a refund, open Billing → Orders, expand the paid order, and submit a refund request with a short description of the reason. Alternatively, contact us at info@moalmai.com from the email address associated with your account, including your order reference (found under Billing → Orders) plus the reason.

An administrator reviews every request against this policy. You will be notified of the decision: if it is declined, your access is unchanged; if it is approved, the refund is executed and confirmed through our payment processor.

We process approved refund requests within 5 business days of approval. When the money actually reaches you after that depends on the payment processor and your bank, which are outside our control.

Nothing in this policy limits any non-excludable rights you may have under applicable consumer law.