<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">At IOLX (Interactive Online Learning Experience), we strive to
provide high-quality, accessible education to all learners. This Refund Policy
explains the conditions under which course or service fees may be refunded.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">1. Payment and Enrollment<o:p></o:p></span></p>

<ul style="margin-top:0cm" type="disc">
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Payments
     for courses, certifications, or services on IOLX must be completed through
     our approved payment gateways.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Enrollment
     is confirmed once payment is successfully processed.<o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">2. Refund Eligibility<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">Refunds may be considered only under the following circumstances:<o:p></o:p></span></p>

<ol style="margin-top:0cm" start="1" type="1">
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Duplicate
     Payment:</span><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
     mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;
     mso-fareast-language:#2000"> If a payment is accidentally made more than
     once for the same course.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Technical
     Issues:</span><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
     mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;
     mso-fareast-language:#2000"> If the platform fails to provide access to
     the course due to technical problems that cannot be resolved.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Course
     Cancellation:</span><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
     mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;
     mso-fareast-language:#2000"> If IOLX cancels a course before it starts.<o:p></o:p></span></li>
</ol>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">Refunds are not available for:<o:p></o:p></span></p>

<ul style="margin-top:0cm" type="disc">
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Courses
     that have already been accessed or completed.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Change
     of mind or dissatisfaction after starting the course.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">User
     errors such as enrolling in the wrong course.<o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">3. Refund Request Process<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">To request a refund, you must:<o:p></o:p></span></p>

<ol style="margin-top:0cm" start="1" type="1">
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Contact
     <a href="mailto:info@iolx.org"><span style="color:blue">info@iolx.org</span></a>
     within 7 days of payment or issue occurrence.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Provide
     details including course name, transaction ID, and reason for refund.<o:p></o:p></span></li>
</ol>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">Refund requests are reviewed on a case-by-case basis. Approval is
at the discretion of IOLX.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">4. Refund Method<o:p></o:p></span></p>

<ul style="margin-top:0cm" type="disc">
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Approved
     refunds will be issued via the original payment method.<o:p></o:p></span></li>
 <li class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;mso-fareast-font-family:
     &quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:#2000">Refund
     processing may take 5–10 business days, depending on your bank or
     payment provider.<o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">5. Changes to This Policy<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">IOLX reserves the right to update this Refund Policy at any time. Significant
changes will be communicated via email or posted on the platform.<o:p></o:p></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">6. Contact<o:p></o:p></span></p>

<p class="MsoNormal" style="margin-bottom:0cm;margin-bottom:.0001pt;line-height:
normal"><div style="text-align: justify;"><span style="font-family: Arial, sans-serif; font-size: 12pt;">For questions or refund requests, contact:</span></div><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000"><div style="text-align: justify;"><span style="font-size: 12pt;">Email: </span><a href="mailto:info@iolx.org" style="font-family: Arial, sans-serif; font-size: 12pt; background-color: rgb(255, 255, 255); font-weight: 400;"><span style="color:blue">info@iolx.org</span></a></div><div style="text-align: justify;"><span style="font-size: 12pt;">Website: </span><a href="http://www.iolx.org/" style="font-family: Arial, sans-serif; font-size: 12pt; background-color: rgb(255, 255, 255); font-weight: 400;"><span style="color:blue">www.iolx.org</span></a></div></span></p>

<p class="MsoNormal" style="text-align: justify; margin-bottom: 0.0001pt; line-height: normal;"><span style="font-size:12.0pt;font-family:&quot;Arial&quot;,sans-serif;
mso-fareast-font-family:&quot;Times New Roman&quot;;mso-ansi-language:#2000;mso-fareast-language:
#2000">&nbsp;</span></p>