Arnifi Refund and Cancellation Policy

1. SCOPE AND STATUS

1.1 This Policy applies to all services purchased from Arnifi Corporate Services Providers L.L.C. ("Arnifi"), whether purchased through the Arnifi website, through a signed scope of work summary, or otherwise. 1.2 Subject to any specific terms expressly agreed in writing under the applicable engagement letter or service agreement, this Policy forms part of the agreement between you and Arnifi. Where any statement on a product page, in an advertisement, in marketing material, in a proposal or made by a representative of Arnifi is inconsistent with this Policy, this Policy prevails. 1.3 Nothing in this Policy affects any right you have under the consumer protection law of the United Arab Emirates that cannot lawfully be excluded or limited.

2. THE THREE CATEGORIES OF PAYMENT

2.1 Every amount you pay to Arnifi falls into one of three categories, and a different rule applies to each. 2.2 Professional fees. These are the fees payable to Arnifi for its own services. They are set out in the scope of work summary or in your order confirmation. Sections 3 and 4 apply to them. 2.3 Government and authority charges. These are the fees, charges, deposits, fines and penalties levied by a government department, ministry, free zone, registry, immigration or labour department, tax authority or other public body. Arnifi collects them from you and pays them to the authority. Section 5 applies to them. 2.4 Third party costs. These are amounts payable to a person other than Arnifi or an authority, including landlords and workspace providers, medical facilities, typing centres, translators, attestation agents, couriers, insurers and banks. Section 6 applies to them. 2.5 Your invoice or order confirmation identifies which amounts fall into which category. Where it does not, Arnifi will confirm the position in writing on request.

3. CANCELLING BEFORE WORK BEGINS

3.1 You may cancel a service and receive a full refund of the professional fees paid, where you give written notice of cancellation to [insert cancellation email] within seven days of payment and before any of the following has occurred: (a) Arnifi has commenced work on the first stage of the service; (b) any application, reservation or submission has been made to an authority on your behalf; (c) any government or authority charge has been paid or committed; or (d) any third party cost has been incurred or committed. 3.2 A refund under section 3.1 is made to the original payment method within 14 Business Days of Arnifi confirming that the conditions are met. Where payment was made through a financing or instalment provider, the refund is made through that provider and its own timescales apply. 3.3 Bank charges, payment gateway fees and currency conversion costs incurred on the original payment are deducted from the refund where they are not recoverable by Arnifi.

4. CANCELLING AFTER WORK BEGINS

4.1 Professional fees are earned in stages. The stages and the fee attributable to each stage are set out in the scope of work summary. Where the scope of work summary does not divide the fee into stages, the fee is treated as earned in proportion to the work performed. 4.2 Where you cancel after work has begun, the professional fees for each stage that has commenced are non-refundable, and the professional fees for stages that have not commenced are refunded. 4.3 Where you cancel, you remain liable for all government and authority charges and third party costs paid or irrevocably committed by Arnifi before the cancellation takes effect, and for the reasonable out of pocket expenses Arnifi has incurred. 4.4 Cancellation takes effect on receipt by Arnifi of your written notice. You must send the notice to [insert cancellation email]. Notice given to a representative by telephone or messaging application is not effective until confirmed in writing.

5. GOVERNMENT AND AUTHORITY CHARGES

5.1 Government and authority charges are not refundable by Arnifi once they have been paid to or committed with the relevant authority. This applies whether the application succeeds, fails, is withdrawn or is cancelled, and applies regardless of the reason for cancellation. 5.2 Where an authority operates its own refund process, Arnifi will on request and at your cost assist you to apply for a refund from that authority. Arnifi does not guarantee the outcome or the timing of any such application. Where Arnifi receives any refund from an authority in respect of an amount paid by the client, the amount actually received, less any applicable non-recoverable costs, shall be refunded or credited to the client. 5.3 Where a government or authority charge has been collected from you but has not yet been paid or committed at the time of cancellation, it is refunded in full.

6. THIRD PARTY COSTS AND DEPOSITS

6.1 Third party costs are refundable only on the terms of the third party concerned. 6.2 A security deposit paid in connection with a lease, workspace or business centre is held by the landlord or provider, not by Arnifi. Its refund is governed by the lease or licence agreement between you and that provider, and any deduction is a matter between you and that provider. 6.3 Arnifi will provide the contact details and the relevant terms of the third party on request, and will provide reasonable assistance in pursuing a refund, at your cost.

7. WHERE AN APPLICATION IS REJECTED

7.1 The decision to approve or reject an application is made by the relevant authority, bank or third party in its sole discretion. Rejection does not of itself entitle you to a refund of professional fees, because the work of preparing and submitting the application has been performed. 7.2 Where an application is rejected as a direct result of Arnifi's gross negligence, wilful misconduct or material breach of its obligations, Arnifi will at its own cost prepare and submit a corrected application. Where a corrected application is not possible, or is not successful for the same reason, Arnifi will refund the professional fees paid for that service, subject to the limitation of liability in the Arnifi Client Services Terms. 7.3 Where an application is rejected for a reason attributable to you, including inaccurate or incomplete information, failure to attend an appointment, failure to meet an eligibility requirement, or an adverse finding by an authority, no refund of professional fees arises and resubmission is chargeable as additional work. Government charges are payable again in full.

8. WHERE ARNIFI CANCELS

8.1 Arnifi may cancel a service and terminate the agreement in the circumstances set out in the Arnifi Client Services Terms, including for non-payment, for breach, and where required by anti money laundering, sanctions or other law. 8.2 Where Arnifi cancels because of your breach or because you have failed to provide required due diligence information, professional fees for work performed are retained, government and authority charges are not recoverable, and any balance of professional fees for stages not commenced is refunded. 8.3 Where Arnifi cancels for its own convenience and you are not in breach, Arnifi refunds all professional fees for stages not completed, and will assist in the orderly transfer of the matter.

9. HOW TO MAKE A CLAIM

9.1 Send your request in writing to clients@arnifi.com , stating your name, the entity name where applicable, the service, the invoice or order number, the date of payment and the reason for the request. 9.2 Arnifi will acknowledge your request within two Business Days and will give a decision in writing within 10 Business Days. Where a decision requires information from an authority or a third party, Arnifi will tell you and will give a decision within 10 Business Days of receiving that information. 9.3 Approved refunds are paid to the original payment method within 14 Business Days of the decision.

10. COMPLAINTS

10.1 If you are not satisfied with a decision under this Policy, you may escalate it in writing to legal@arnifi.com . Arnifi will respond within 10 Business Days. 10.2 Nothing in this Policy prevents you from pursuing any remedy available to you under the law of the United Arab Emirates, including a complaint to the Ministry of Economy or to the consumer protection authority of the relevant emirate.

11. CHANGES TO THIS POLICY

11.1 Arnifi reserves the right to amend or update this Policy from time to time. The version of the Policy in effect on the date the relevant service is ordered or engaged shall apply to that service, unless otherwise agreed in writing.