REFUND POLICY

REFUND POLICY
Effective Date: 12, January 2026
Last Revised: 12, January 2026
This Refund Policy (the "Policy") governs all transactions and subscription purchases made through the DREAMS WORLDVIEW INC digital platform (the "Platform").
DREAMS WORLDVIEW INC is a Delaware corporation with its principal place of business located at 8 THE GREEN, STE R DOVER, DE 19901, United States (hereinafter referred to as "Company," "we," "us," or "our").

1. SCOPE AND ACCEPTANCE
This Policy applies to all users, subscribers, and purchasers (collectively, "you" or "Subscriber") who access or purchase subscription services through the Platform. By completing a purchase transaction or subscribing to any service offered by the Company, you expressly acknowledge that you have read, understood, and agree to be bound by the terms of this Policy.
This Policy should be read in conjunction with our Terms of Service and Privacy Policy, all of which constitute the entire agreement between you and the Company regarding subscription purchases and refunds.
2. NATURE OF SERVICES AND IMMEDIATE ACCESS
The Company operates a subscription-based digital platform providing immediate access to proprietary content, community features, live interactive sessions, educational materials, and other digital services (collectively, the "Services").
All Services are digital in nature and access is granted immediately upon successful payment processing. By purchasing a subscription, you acknowledge that:
(a) You are purchasing access to digital content and services that are delivered electronically and made available immediately;
(b) Performance of the Services begins immediately upon account activation and payment confirmation;
(c) You expressly waive any statutory right of withdrawal, cooling-off period, or cancellation right that may otherwise apply to distance sales or online transactions under applicable consumer protection laws, to the extent permitted by law; and
(d) Due to the immediate delivery and digital nature of the Services, all sales are final.
3. NO REFUND POLICY
ALL SUBSCRIPTION FEES AND PAYMENTS ARE FINAL, NON-REFUNDABLE, AND NON-TRANSFERABLE, except as expressly provided in Section 6 of this Policy or as required by applicable law.
This no-refund policy applies regardless of:

Whether you accessed, used, or derived value from the Services;
Your satisfaction or dissatisfaction with the Services;
Changes in your personal circumstances, financial situation, or ability to use the Services;
Technical issues on your end, including but not limited to internet connectivity problems, device compatibility issues, or user error;
Your failure to cancel prior to a renewal date; or
Any other reason not explicitly covered by this Policy.

4. MONTHLY SUBSCRIPTION PLANS
For monthly recurring subscription plans:
(a) Billing Cycle: Subscription fees are charged automatically on a monthly recurring basis on the same calendar day each month (or the last day of the month if your subscription date does not exist in a given month).
(b) Non-Refundable: Once a monthly subscription payment has been processed and access to the Platform has been granted for that billing cycle, the payment is final and non-refundable under any circumstances.
(c) Cancellation Effect: Cancellation of a monthly subscription will prevent future billing cycles but does not entitle you to any refund, credit, or prorated reimbursement for the current billing period or any prior billing periods. You will retain access to the Services through the end of the then-current paid billing period.
(d) No Prorated Refunds: The Company does not provide prorated refunds for partial months of service, regardless of when during the billing cycle you cancel your subscription.
5. ANNUAL SUBSCRIPTION PLANS
For annual (yearly) subscription plans paid in advance:
(a) Payment Structure: Annual subscription fees are charged in full at the commencement of the subscription term and provide access to the Services for a period of twelve (12) consecutive months.
(b) Non-Refundable: Annual subscription fees are strictly non-refundable, regardless of whether you cancel your subscription prior to the expiration of the annual term.
(c) No Prorated Refunds: The Company does not provide refunds, credits, or prorated reimbursements for unused portions of an annual subscription period, regardless of when you cancel or cease using the Services.
(d) Cancellation Effect: Cancellation of an annual subscription will prevent automatic renewal at the end of the current annual term but does not result in any refund or credit for the remaining unused time in the current subscription period. You will retain access to the Services through the end of the then-current paid annual term.
(e) Cost Savings Acknowledgment: You acknowledge that annual subscriptions are offered at a discounted rate compared to month-to-month subscriptions as consideration for your advance payment commitment, and that this discount is forfeited upon cancellation without refund.
6. LIMITED EXCEPTIONS
Notwithstanding the foregoing, the Company may, in its sole and absolute discretion, consider refund requests in the following limited circumstances:
(a) Material Service Failure: Where a verified, material technical failure directly attributable to the Company's systems prevents you from accessing the Platform for a continuous period exceeding seventy-two (72) hours, and such failure cannot be remedied through reasonable technical support measures.
(b) Duplicate Charges: Where you have been charged multiple times for the same subscription period due to a processing error by the Company or its payment processor.
(c) Unauthorized Transactions: Where you provide credible evidence of unauthorized use of your payment method, subject to verification and cooperation with any fraud investigation.
Any refund granted under this Section 6 is entirely discretionary and shall not:

Create any precedent, expectation, or obligation for future refunds in similar circumstances;
Constitute a waiver of this Policy or any other terms governing your use of the Services;
Be construed as an admission of liability or fault by the Company; or
Entitle you to any additional compensation, damages, or remedies beyond the refund amount itself.

All refund requests must be submitted in writing to the Company's customer support team within thirty (30) days of the transaction date. The Company reserves the right to request additional documentation or information to evaluate any refund request.
7. NON-USE OF SERVICES
Refunds will not be issued based solely on your failure to use, access, or log into the Platform or Services.
Your subscription fee purchases access to the Services for a specified period, not a guarantee of actual usage. Non-use, infrequent use, or dissatisfaction with the Services does not constitute grounds for a refund under any circumstances.
8. PAYMENT DISPUTES AND CHARGEBACKS(a)
Dispute Resolution Requirement: Prior to initiating any chargeback, payment dispute, or reversal request with your financial institution or payment card issuer, you agree to contact the Company's customer support team in good faith to attempt to resolve the matter.
(b) Chargeback Consequences: Initiating a chargeback or payment dispute without first exhausting the dispute resolution process outlined in subsection (a) may result in:

Immediate suspension or termination of your account and access to the Services;
Referral of your account to a collections agency for recovery of amounts owed;
Reporting of the dispute to credit bureaus or fraud prevention services; and/or
Legal action to recover amounts owed plus costs and attorneys' fees.

(c) Chargeback Defense: The Company expressly reserves the right to contest, dispute, and defend against any chargeback or payment reversal that we determine to be invalid, improper, or fraudulent. In defending against chargebacks, we may provide your payment card issuer or financial institution with:

Evidence of your acceptance of this Policy and our Terms of Service;
Records of your account creation, login activity, and usage of the Services;
Transaction records and payment confirmations;
Communications between you and the Company; and
Any other relevant documentation demonstrating that Services were provided as agreed.

(d) Chargeback Fees: If you initiate a chargeback that is subsequently reversed in the Company's favor, you agree to reimburse the Company for any chargeback fees, administrative costs, and legal expenses incurred in defending against such chargeback.
9. MODIFICATIONS TO THIS POLICY
The Company reserves the right to modify, amend, or update this Policy at any time in its sole discretion. Any changes will be effective immediately upon posting the revised Policy on the Platform with an updated "Last Revised" date.
Your continued use of the Services or failure to cancel your subscription following the posting of changes constitutes your acceptance of such changes. Material changes that adversely affect your rights may, at the Company's discretion, be communicated to you via email or through a notice on the Platform.
It is your responsibility to review this Policy periodically. The Company is not obligated to provide individual notice of changes to this Policy.
10. GOVERNING LAW AND JURISDICTIONT
his Policy shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflicts of law principles.
Any dispute, claim, or controversy arising out of or relating to this Policy or the breach, termination, enforcement, interpretation, or validity thereof shall be resolved exclusively in the state or federal courts located in Delaware, and you hereby consent to the personal jurisdiction and venue of such courts.
11. SEVERABILITY
If any provision of this Policy is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from this Policy. The remaining provisions shall continue in full force and effect.
12. WAIVER
No waiver of any provision of this Policy shall be deemed or shall constitute a waiver of any other provision, nor shall any waiver constitute a continuing waiver. No waiver shall be binding unless executed in writing by an authorized representative of the Company.
13. ENTIRE AGREEMENT
This Policy, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and the Company regarding refunds and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter.
14. CONTACT INFORMATION
For questions, concerns, or requests regarding this Refund Policy, please contact our customer support team:
Email: help@worldviewhub.com
Mailing Address:
DREAMS WORLDVIEW INC
1445 Dolgner Pl, Ste 13
Sanford, FL 32771
United States
All refund requests must be submitted in writing via email and must include your account information, transaction details, and a detailed explanation of the basis for your request.
BY PURCHASING A SUBSCRIPTION OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS REFUND POLICY, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS.