This Subscription Policy outlines the terms and conditions governing subscription services offered by Metta Cards Ltd, ("we," "us," or "our"). By subscribing to any of our services, you agree to be bound by these terms.

Subscription Terms

By subscribing to our services, you agree to the following terms:

• Your subscription will continue until cancelled.
• You must provide accurate and complete information for all subscription registrations.
• You are responsible for maintaining the confidentiality of your account details.
• We reserve the right to modify our subscription services with reasonable notice.
• Subscriptions are subject to availability and we reserve the right to discontinue any subscription service.

Billing Cycles

Our subscription billing operates as follows:

• Subscription fees are charged in advance on a recurring basis (monthly, quarterly, or annually, depending on your selected plan).
• The billing date is determined by the date of your initial subscription.
• For monthly subscriptions, you will be billed on the same date each month. If this date does not exist in a particular month, you will be billed on the last day of that month.
• For quarterly or annual subscriptions, you will be billed every three months or year, respectively, from your initial subscription date.

Automatic Renewals

All subscriptions automatically renew unless cancelled:

• Your subscription will automatically renew at the end of each billing cycle unless you cancel it before the renewal date.
• We will send you a reminder email at least 7 days before your subscription renews.
• By subscribing, you authorise us to charge your payment method for the subscription fee on a recurring basis.
• If you do not want your subscription to renew automatically, you must cancel it before the renewal date.

In accordance with UK consumer protection laws, we will always provide clear information about automatic renewals and how to cancel your subscription.

Cancellation Procedures

You may cancel your subscription at any time by following these procedures:

• Log in to your account and navigate to the subscription management section.
• Select the subscription you wish to cancel and click on "Cancel Subscription".
• Alternatively, you may contact our customer service team at info@mettacards.co.uk to request cancellation.
• Cancellations must be made at least 48 hours before your next billing date to avoid being charged for the next billing cycle.
• Upon cancellation, you will retain access to your subscription benefits until the end of your current billing period.

In accordance with the Consumer Contracts Regulations 2013, you have the right to cancel your subscription within 14 days of your initial purchase without giving any reason (the "cooling-off period"). To exercise this right, please contact us with a clear statement of your decision to cancel.

Refund Policy for Subscriptions

Our refund policy for subscriptions is as follows:

• If you cancel within the 14-day cooling-off period, you will receive a full refund of your subscription fee.
• For cancellations after the cooling-off period, we do not provide prorated refunds for the unused portion of your current billing cycle.
• If you encounter technical issues that significantly impair your ability to use our subscription services, you may be eligible for a partial or full refund at our discretion.
• Refunds will be processed using the same payment method used for the initial transaction, unless otherwise agreed.
• Refund processing typically takes 5-10 business days, depending on your payment provider.

Modification of Subscription Services

We may modify our subscription services as follows:

• We reserve the right to modify, suspend, or discontinue any aspect of our subscription services at any time.
• We will provide at least 30 days' notice of any material changes to the subscription services or these terms.
• If we make significant changes that reduce the value of your subscription, you may be entitled to a partial refund or the option to cancel without penalty.
• You may upgrade, downgrade, or otherwise modify your subscription plan by logging into your account or contacting customer service.
• Changes to your subscription plan will take effect at the beginning of your next billing cycle, unless otherwise specified.

Payment Failure Handling

In the event of payment failure:

• If we are unable to process your payment for any reason, we will attempt to charge your payment method again within 3-5 business days.
• You will receive a notification email informing you of the payment failure and requesting you to update your payment information.
• If the payment continues to fail after multiple attempts, your subscription may be suspended or cancelled.
• To reactivate a suspended subscription, you must update your payment information and settle any outstanding payments.
• We reserve the right to charge a reasonable administrative fee for handling failed payments, in accordance with applicable laws.

Customer Rights

As a subscriber, you have the following rights under UK law:

• The right to clear and transparent information about your subscription, including all costs and renewal terms.
• The right to cancel within the 14-day cooling-off period without penalty.
• The right to cancel at any time after the cooling-off period (subject to our cancellation policy).
• The right to be notified of any material changes to the subscription service or these terms.
• The right to receive the services as described at the time of purchase.
• The right to have your personal data handled in accordance with UK data protection laws.
• The right to complain to the relevant regulatory authorities if you believe your consumer rights have been violated.

These rights are provided in accordance with the Consumer Rights Act 2015, the Consumer Contracts Regulations 2013, and other applicable UK consumer protection legislation.

Contact Information

If you have any questions or concerns about our Subscription Policy, please contact us:

• Email: info@mettacards.co.uk
• Address: Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, United Kingdom, BH16 6FA
• Hours of Operation: 9am - 5pm, Monday - Friday

We aim to respond to all inquiries within 2 business days.