Refund & Cancellation Policy

1. General provisions

1.1. This Refund & Cancellation Policy (hereinafter — the "Policy") governs the procedure for refunding the funds paid by the Client for individual coaching and consulting services provided by Danylo Kamyshan (hereinafter — the "Service Provider") through the website https://pay.danielviktorovich.com/ and other agreed channels.

1.2. This Policy supplements the Service Provider's Terms of Service and applies to all payments received by the Service Provider.

1.3. Payment Provider. “Payment Provider” is used here as defined in clause 1.4 of the Terms of Service: any payment system, payment gateway or other financial intermediary through which the Service Provider accepts payment. The current list of accepted payment methods is published in clause 3.4 of the Terms of Service.

1.4. In relations with a specific Client who has entered into an individual agreement with the Service Provider, extended refund terms expressly provided by such agreement may apply (see Section 4 below).

2. Refund before the start of services

2.1. The Client is entitled to request a full refund of the paid funds before the start of services, which is defined as any of the following moments:

• holding of the first scheduled session;
• granting access to paid digital materials;
• activation of a paid package or subscription.

2.2. Refunds before the start of services are made in full less actual payment system commissions (usually up to 10% of the payment amount), within 5–10 banking days from the date of receipt of the written request.

2.3. Requests for refunds before the start of services are sent to the Service Provider's e-mail: [email protected].

2.4. Refund of a reservation fee. A reservation fee (clause 3.5.1 of the Terms) pays for holding a place in the schedule, not for sessions being held, and is therefore refunded as follows:

• if the Client withdraws no later than 7 (seven) calendar days before the agreed date of the first session, or before the reservation period expires — in full, less the actual commissions of the Payment Provider;
• if the Client withdraws later than that — less the compensation for holding the place (clause 2.5);
• if no individual agreement is concluded on the Service Provider's initiative (including where contraindications are identified, clause 3.7 of the Terms) — in full and without deductions;
• if the Client withdraws because the Service Provider changed material terms (price, scope, timing) after the payment was made — in full and without deductions.

2.5. Compensation for holding the place. A deduction is made only in the amount of the loss actually incurred by the Service Provider because the freed place could not be offered to another Client within the remaining time, and may not exceed 30% of the reservation fee. If the actual loss is smaller, the actual amount is retained; if no loss arose, no deduction is made. At the Client's request the Service Provider substantiates the amount deducted.

This clause applies subject to Article 9 of the Consumer Contract Act of Japan (消費者契約法): a cancellation-charge provision is void to the extent it exceeds the average loss arising for the Service Provider on termination of contracts of the same kind. That average is determined by the Service Provider's own calculation on a reasonable basis, not by an industry-wide level. Where the deduction calculated under this clause would exceed that limit, the statutory limit applies.

2.6. Cooling-off under Japanese law. The Service Provider supplies services (役務). The distance-selling withdrawal rule (Article 15-3 of the Act on Specified Commercial Transactions) applies to goods and specified rights (商品・特定権利) and does not extend to services. The chapter on "specified continuous service provision" (特定継続的役務提供), which does provide a cooling-off period and a right of mid-term termination, applies to an exhaustive list of seven activities designated by government ordinance (esthetic treatment, cosmetic medical services, language schools, private tutoring, cram schools, computer schools, marriage introduction services). Coaching and consulting services are not on that list.

Accordingly, under Japanese law, cancellation and refund terms are governed by this Policy, published on the Service Provider's website before payment is made.

2.7. Clients who are consumers in the EU, EEA or the United Kingdom. Where the Client is a consumer resident in a country whose law grants a right of withdrawal from distance contracts, that right applies regardless of the choice of law made in the Terms of Service.

In particular, consumers in the EU, EEA and the United Kingdom have a 14-day right of withdrawal from the conclusion of the contract (Directive 2011/83/EU, Article 9). As applied to services, that right:

• does not end when the first session is held — it ends when the service has been performed in full, and only if the Client has expressly requested that performance begin before the withdrawal period expires and has acknowledged that they will lose the right of withdrawal once the service is fully performed (Article 16(a) of the Directive);
• where the Client withdraws after partial performance, the Client pays an amount proportionate to what has actually been supplied up to the moment of withdrawal (Article 14(3) of the Directive), and the balance is refunded.

The express request to begin early and the acknowledgment of losing the right of withdrawal are recorded in the individual agreement signed before the first session.

2.8. This Policy does not limit any other rights the Client has under mandatory consumer-protection rules applicable at their place of residence.

3. Refunds after the start of services (via a Payment Provider)

3.1. After the start of services (holding of the first session, granting access to materials, package activation), refunds via a Payment Provider are not made, except in the following cases:

• technical error (double charge, mistaken payment);
• impossibility of providing services due to the fault of the Service Provider (the Service Provider did not show up, did not grant access to the platform, etc.);
• withdrawal by a Client who is a consumer resident in a country whose law preserves a right of withdrawal after services have begun — in that case clause 2.7 of this Policy applies instead of this section.

3.2. In the cases listed in clause 3.1, the refund is made in full in the manner provided for by the rules of the relevant Payment Provider.

4. Extended refund guarantee under an individual agreement

4.1. If an individual agreement for the provision of services has been concluded between the Client and the Service Provider, such an agreement may provide for an extended refund guarantee in case of failure to achieve the agreed Goal.

4.2. The extended refund guarantee under an individual agreement:

• is activated only upon the Client's fulfilment of all conditions provided for in such an agreement (including regular participation in sessions, performance of assignments, conscientious disclosure of medical status);
• is paid through an alternative agreed channel (bank transfer, Wise, USDT, etc.);
• is not connected with chargeback procedures, where the relevant Payment Provider offers any. Some payment methods (bank transfer, cryptocurrency) have no such procedure.

4.3. If the Client initiates a chargeback with a Payment Provider after receiving a refund under the extended guarantee, this is considered bad faith conduct, and the Service Provider is entitled to claim recovery of the paid amount as unjust enrichment.

4.4. The deadline and procedure for payment under the extended guarantee are set in the individual agreement with the Client (as a rule: request — within 7 days after the final session; decision — within 30 calendar days; payment — within 10 banking days of a positive decision).

5. Rescheduling and cancellation of sessions

5.1. The Client must notify the Service Provider of the impossibility of holding a scheduled session no later than 24 hours before its start. In this case, the session is rescheduled to an agreed date at no additional cost.

5.2. If notice is given less than 24 hours in advance, or in case of no-show without notice, the session is deemed rendered and is not subject to payment refund or rescheduling, except in cases of documented force majeure.

5.3. If the Service Provider is forced to reschedule a session, the reschedule is made to a date agreed with the Client at no additional cost.

6. Contact information

All refund and cancellation requests are sent to the Service Provider's e-mail:

E-mail: [email protected] Phone: +81-80-4635-7027

7. Governing law

This Policy is governed by the laws of Japan. Disputes are resolved in accordance with the Service Provider's Terms of Service.

8. Changes to the Policy

The Service Provider is entitled to amend this Policy. The current version is published on the Service Provider's website. Amendments do not have retroactive effect on agreements already concluded.