Refund and Cancellation Policy

This Refund and Cancellation Policy ("Policy") governs all refund, cancellation, and return requests related to services provided by ZCASH EXCHANGE INC., operating under the trade name ZASHX ("ZASHX", "we", "us", "our"). This Policy is designed to comply with all applicable Canadian federal and provincial laws, including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the Retail Payment Activities Act (RPAA), and applicable provincial consumer protection legislation. ZASHX is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB). All services and this Policy operate in full compliance with these regulatory frameworks. This Policy applies to the following ZASHX services: - International and domestic money transfer services - Currency exchange services (fiat-to-fiat and fiat-to-digital asset) - Payment processing and merchant acquiring services - Digital wallet and balance storage services - SoftPOS (tap-to-phone) payment acceptance services - Digital tipping and gratuity collection services - QR code payment processing services

Clients may cancel a money transfer transaction and receive a refund under the conditions outlined below. All cancellation and refund procedures are designed to comply with Canadian consumer protection standards and RPAA requirements.

• 30-Minute Cancellation Window: Clients may cancel any money transfer within thirty (30) minutes of initiating payment, provided the transfer has not yet been completed or collected by the recipient. - Full Refund: Upon valid cancellation within this window, ZASHX will refund the full transfer amount, including all fees and applicable taxes. - No Cancellation Fee: No cancellation fee will be charged for cancellations made within the 30-minute window. - Extended Cancellation: If a transfer has not been completed, collected, or deposited by the recipient, clients may request cancellation at any time before completion. Transaction fees may be retained as an administrative charge.

Upon approval of a valid refund request, ZASHX will process refunds according to the following timelines: - Original Payment Method: 3-5 Business Days (standard processing) - ZASHX Wallet Credit: Within 24 Hours (fastest option) - Bank Wire Transfer: 5-10 Business Days (subject to banking delays) - Interac e-Transfer: 1-3 Business Days (Canada domestic only) - Credit/Debit Card Refund: 5-14 Business Days (depends on card issuer)

The following situations are not eligible for refunds: 1. Completed Transfers: Transfers that have been collected, deposited, or credited to the recipient's account 2. Incorrect Recipient Information: Transfers sent to incorrect accounts due to client-provided erroneous information 3. Regulatory Holds: Funds frozen, seized, or held pursuant to regulatory requirements, court orders, or law enforcement requests 4. Fraudulent Transactions: Transactions identified as fraudulent or in violation of ZASHX's terms of service 5. Force Majeure: Delays or failures caused by circumstances beyond ZASHX's reasonable control

Currency exchange transactions are subject to the following refund conditions: - Pre-Execution Cancellation: Clients may cancel a currency exchange order before execution without penalty - Post-Execution: Once a currency exchange has been executed, the transaction is final and cannot be reversed - Rate Fluctuation: ZASHX is not responsible for refunds due to exchange rate movements after transaction execution - Error Correction: If ZASHX makes an error in processing a currency exchange, we will correct the error and refund any excess amounts within five (5) business days

4.1 Merchant Refund Obligations Merchants using ZASHX payment processing services are required to: - Maintain and display a clear refund policy to their customers - Process legitimate refund requests promptly through the ZASHX merchant portal - Refund transactions using the same payment method as the original transaction - Comply with all applicable Card Scheme Rules regarding refunds 4.2 Consumer-Initiated Refunds (Chargebacks) Consumers who have made payments through ZASHX-enabled merchants may: 1. First contact the merchant directly to request a refund 2. If unresolved within fifteen (15) business days, contact ZASHX customer support 3. Initiate a chargeback through their card issuer for eligible disputes 4.3 SoftPOS and Digital Tipping Refunds - Tips and Gratuities: Once a tip has been processed and credited to the recipient, it is generally non-refundable unless processed in error - Duplicate Charges: ZASHX will promptly refund any duplicate or erroneous charges upon verification - Disputed Amounts: Disputes regarding tip amounts should be addressed directly with the service provider/merchant

5.1 Wallet Balance Withdrawal Clients may withdraw their ZASHX wallet balance at any time, subject to: - Successful completion of identity verification (KYC) requirements - No pending transactions or holds on the account - Compliance with applicable withdrawal limits and procedures - Any applicable withdrawal fees as disclosed in the fee schedule 5.2 Account Closure Refunds Upon voluntary account closure or service termination: 1. ZASHX will reconcile all outstanding transactions 2. Remaining wallet balance will be returned to the client's verified bank account 3. Refunds will be processed within fifteen (15) business days of account closure completion 4. Any pending chargebacks or disputes may delay final settlement

6.1 Refund Request Procedure To request a refund, clients must: - Submit Request: Contact ZASHX via email (support@zashx.com), in-app support, or website (www.zashx.com/support) - Provide Information: Include transaction reference number, date, amount, and reason for refund - Verification: Complete any required identity verification to prevent fraud - Await Response: ZASHX will acknowledge the request within five (5) business days 6.2 Required Documentation Depending on the nature of the refund request, clients may be required to provide: - Transaction receipt or confirmation - Government-issued identification - Proof of payment (bank statement, card statement) - Written explanation of the refund request - Any supporting documentation relevant to the claim

7.1 Internal Complaint Process If a client is dissatisfied with a refund decision, they may escalate through ZASHX's internal complaint resolution process: - Level 1 - Customer Support: Initial review by customer support team (response within 5 business days) - Level 2 - Compliance Review: Escalation to Compliance Officer for independent review (response within 10 business days) - Level 3 - Senior Management: Final internal review by senior management (response within 15 business days) 7.2 External Dispute Resolution If internal resolution is not satisfactory, clients may pursue external options: - Provincial Consumer Protection: Contact the Ontario Ministry of Public and Business Service Delivery or applicable provincial consumer affairs office - Arbitration: Binding arbitration in Ontario, Canada, in accordance with the Arbitration Act - Small Claims Court: For disputes under $35,000, clients may file a claim in Ontario Small Claims Court

All refund requests are subject to ZASHX's Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations under FINTRAC regulations. ZASHX reserves the right to: - Request additional verification before processing refunds - Delay refunds pending completion of compliance reviews - Report suspicious refund patterns to FINTRAC as required by law - Retain funds where required by regulatory or legal obligations In accordance with the Retail Payment Activities Act (RPAA), ZASHX holds all client funds in segregated trust accounts, reconciles balances daily, and maintains adequate insurance coverage. All refund records are retained for a minimum of five (5) years following the date of the transaction, as required by FINTRAC.

For refund requests, complaints, or inquiries regarding this Policy: Legal Entity: ZCASH EXCHANGE INC. (DBA ZASHX) Registered Address: Suite 301, 231 Oak Park Blvd., Oakville, Ontario, L6H 7S8, Canada Email: support@zashx.com Website: www.zashx.com Regulatory Status: FINTRAC Registered MSB This Policy is subject to applicable Canadian federal and provincial laws. ZASHX reserves the right to amend this Policy at any time. Material changes will be communicated with thirty (30) days' advance notice to registered clients.