BILLING AND REFUND POLICY

SECOND PHONE NUMBER APP

Effective date: July 1, 2026

Municorn Ltd. (“we”, “us” or “our”) operates the Second Phone Number mobile application, and all related services, features, and content offered by us (the “Second Phone App”, “App”, “Service”). We established this Billing and Refund Policy to prevent misunderstandings and disputes with our users ("You" or "User").

By using and/or otherwise accessing the Service or App provided by us, you confirm that you have read, understood, accept and agree to follow the Billing and Refund Policy.

TL;DR: Access to the Service is provided through a subscription that is billed in advance per Billing Cycle and auto-renews until you cancel. Cancellation must be done at least 24 hours before the renewal date — on Apple/Google through your platform settings. International calls require Coins (one-time, non-refundable in-app virtual items).

1. BILLING POLICY

1.1. Subscriptions

We provide our Service on a subscription basis.

· Billing Cycle. You will be billed in advance on a recurring and periodic basis (“Billing Cycle”). Billing cycles are set on a time period, depending on the type of subscription plan you select when purchasing a subscription.

· Subscription packages. If you decide to subscribe, you need only to choose one of the subscription packages. Whichever package you choose, keep in mind that the availability of different subscription plans may vary by location. Please note that we reserve the right to offer promotions on packages from time to time.

· Free Trials. We may, at its sole discretion, offer a Subscription with a free trial for a limited period of time (“Free Trial”). You may be required to enter your billing information to sign up for the Free Trial. If you do enter your billing information when signing up for the Free Trial, you will not be charged by us. until the Free Trial has expired. At the end of your Free Trial, unless you cancel your subscription at least 24 hours before the renewal date, you will be automatically charged the applicable subscription fees for the type of subscription you have selected. At any time and without notice, we reserve the right to (i) modify the terms and conditions of the Free Trial offer, or (ii) cancel such Free Trial offer. Any unused portion of a free trial will be forfeited when a subscription is purchased.

• Special Offers. From time to time, we may offer promotions, discounts, early access, or other special offers in connection with marketing of the Service. Such promotions may be subject to additional terms, eligibility requirements, time limitations, or availability restrictions, which will be disclosed at the time of the offer. We reserve the right to modify or withdraw any promotion at any time to the extent permitted by applicable law.

· Payment method. If you purchase the subscription to our Service through third parties such as Apple App Store or Google Play, payments are processed exclusively as in-app purchases in accordance with the respective platform’s payment policies (please see Google Play Payment Policy, Apple App Store Payment Policy).

If you purchase the subscription to our Service through our website, payments are processed securely through Stripe with the use of our payment orchestration partners. You must provide accurate and complete billing information, including your full name, address, state, zip code, and telephone number. By submitting such payment information, you authorize us to charge all applicable fees to your chosen payment method.

Please note that payment providers may require additional business days to review and process your payment, and you agree to any transaction delays resulting from such procedures.

We do not store any payment details, whether processed via in-app purchases or through Stripe. All payment information is stored and managed securely by the respective payment processors (Apple, Google, or Stripe).

· Fee Changes. We, in our sole discretion and at any time, may modify the subscription fees for the subscriptions. Any subscription fee change will become effective at the end of the then-current Billing Cycle. We will provide you with reasonable prior notice of any change in subscription fees to allow you to terminate your subscription before such change becomes effective. Your continued use of the Service after the subscription fee change comes into effect constitutes your agreement to pay the modified subscription fee amount.

· Automatic Renewal. By using our paid features, you acknowledge that your paid subscription will automatically renew at the end of the applicable subscription period (Billing Cycle). You should cancel your subscription or free trial (if applicable) before it renews to avoid being billed for the next subscription period. Subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current period. Account will be charged for renewal within 24 hours prior to the end of the current period.

To comply with the FTC's Rules, we ensure that canceling your subscription is as simple as signing up. You may cancel your subscription renewal at any time, depending on how you purchased your subscription:

1. If you subscribed through the App Store (Apple) or Google Play:

You must cancel your subscription directly through your Apple ID or Google Play account settings. We cannot access or manage in-app purchases on your behalf. Please refer to Apple's or Google's official support instructions for canceling subscriptions.

2. If you have subscribed through our website:

You can cancel your subscription at any time by following these steps in your Stripe account:

Settings => Manage Subscription => Cancel Subscription => Subscription is canceled.

For any questions or assistance with the cancellation process, contact our support team via chat in the App or on our website. If the chat is not available, you may contact us at second-phone-support@municorn.com. Please provide the information we need to identify you, such as your name, email address, or other contact details.

If you cancel your subscription, the Company requires a reasonable amount of time to process the action. You may continue to use the paid features after canceling your subscription for the remainder of the then-current subscription term. No automatic charges will be issued when cancellation is submitted to us. Please note that cancellation of your paid subscriptions does not remove your profile from our Service.

· Long-term subscription plans. Long-term subscription plans (e.g., six-month or annual plans) automatically renew for the same subscription period unless cancelled before the end of the current billing term. By purchasing a subscription, you authorize recurring charges for the applicable subscription fee until the subscription is cancelled. The price, billing interval, and auto-renewal terms are clearly disclosed before purchase. You may cancel your subscription at any time through your account settings or other available cancellation methods, and the cancellation will take effect at the end of the current billing period. Where required by applicable law, we may send a reminder notice prior to the renewal of long-term subscriptions.

1.2. One-time purchases.

Access to our Service is provided through an auto-renewable subscription. A subscription allows users to place calls and send messages to phone numbers in the United States, Puerto Rico, and Canada. International calls and messages to other countries are not included in the subscription and require purchasing in-App Coins. Coins are available for purchase only while your subscription is active and are charged as one-time purchases.

· Nature of Coins. Coins are in-app virtual items that may be purchased and used within the Second Phone Number App to make international calls and send messages from the phone number assigned to your account. Coins are virtual items only. They are not a substitute for real currency, do not earn interest, have no equivalent value in real currency, and have no value outside of the App.

The purchase and use of Coins is voluntary. We reserve the right, in our sole discretion, to modify, manage, or eliminate Coins at any time, including but not limited to limiting the number of Coins that may be purchased or held, or modifying the purchase price of Coins, without prior notice and without liability to you.

· Limited License to use Coins. Your purchase or acquisition of Coins grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to use such Coins solely:

(i) within the Service;

(ii) for your personal use; and

(iii) in accordance with this Policy and any applicable Second Phone Number App terms and policies.

· Restrictions. Coins may not be:

(i) redeemed for cash, cash equivalent or any other form of value;

(ii) transferred, sold, gifted, traded, or otherwise exchanged with other users;

(iii) used to purchase goods or services outside the App or from third parties.

Any attempted transfer, sale, or exchange of Coins is void and may result in suspension or termination of your account, as outlined in Sections 5 and 6 of our Terms of Use.

· Payment method. If you purchase Coins through third parties such as Apple App Store or Google Play, payments are processed exclusively as in-app purchases in accordance with the respective platform’s payment policies (please see Google Play Payment Policy, Apple App Store Payment Policy).

If you purchase Coins through our website, payments are processed securely through Stripe.

Please note that payment providers may require additional business days to review and process your payment, and you agree to any transaction delays resulting from such procedures.

We do not store any payment details, whether processed via in-app purchases or through Stripe. All payment information is stored and managed securely by the respective payment processors (Apple, Google, or Stripe).

· Billing rules. Coins are deducted based on your use of the Services in accordance with the applicable billing rules and rates published in the App and/or on our website. Coins will only be deducted for services that are successfully completed or delivered, where technically applicable.

TL;DR: Refunds depend on whether you have used the Second Phone Number functionality. If you have not activated or used the number during the current billing period, you may be eligible for a refund for that period. If you have already used the service, no refund is issued. Subscription refund requests are only accepted during an active subscription. Coin purchases made on our website are final and non-refundable, except as required by law. For Apple/Google purchases, refunds go through the respective platform.

2. REFUND POLICY

You acknowledge and agree that the submission of a refund request does not guarantee that your request will be approved. Moreover, we reserve the right to cancel your order without any refund or decline any refund request if we suspect that you have or are engaged in, or have in any way been involved in, fraudulent or illegal activity. Nothing in this Refund Policy affects your statutory rights under applicable EU, UK, or US consumer protection laws.

2.1. Subscriptions

2.1.1. Subscriptions Purchased via our Website

If you are not satisfied with the Service, you may request a refund under the following conditions:

· Usage-based refund policy. Our refund policy is based on whether the core functionality of the App has already been used. If the user has not used the Second Phone Number App during the current billing period (i.e., you have not activated or used a Second Phone Number), they may receive a refund. If the user has already used the service by activating or placing/receiving calls, sending/receiving messages, or otherwise using the second phone number, the service is considered fully or partially provided, and no refund will be issued. However, if you have used the Second Phone Number App but were not satisfied with its functionality (e.g., if the second phone number has failed to activate or function properly), please contact us to discuss your case.

· Refund window. Refund requests may only be submitted during an active subscription period. If the user has not used the App, we may offer a refund only for the current billing period (weekly, monthly, or annual subscription). Please note that if the subscription has already expired, no refund will be issued.

· Submit a refund request. To request a refund, please contact our support team via chat in the App or on our website. If the chat is not available, you may contact us at second-phone-support@municorn.com

· Refund process. Once we receive your request, we will notify you regarding the approval status. If approved, the refund will be processed to your original payment method within 10 business days.

· Verification process. To comply with applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, we may request verification documents such as identification, proof of payment, or other supporting information before processing a refund.

Important Notes:

· To prevent renewal charges, cancel your subscription at least 24 hours before the renewal date.

· Deleting the App does not cancel your subscription. Ensure you cancel the subscription before deleting the App.

· We reserve the right to deny refunds if we believe the refund policy is being misused or if we suspect fraud or other misconduct.

2.1.2. Subscriptions Purchased via other platforms

If you subscribed via an app distribution platform (e.g., Apple App Store, Google Play), refund requests must be made directly through the respective platform:

· Apple App Store. Refunds are handled directly by Apple. It might take up to 30 days for the statement to show the refund. To request a refund, open the receipt sent to your Apple ID email, visit Apple Support, and follow the instructions.

· Google Play. Refund requests must be submitted through Google Play Support. Find your Transaction ID (starts with GPA.XXX) in your Google Play confirmation email.

You can find your receipts in your email or through your App Store/Google Play purchase history.

Consumption Information. In accordance with our Privacy Policy, we may collect and process information about your in-app purchase activity for the purpose of assisting Apple with refund requests and ensuring compliance with applicable laws and regulations.

2.2. One-Time Purchases

2.2.1. Coins Purchased via our Website

Where Coins are purchased through our website, all sales are final, and we do not provide refunds for unused, unwanted, or accidental purchases, except as required by applicable law.

2.2.2. Coins Purchased via other platforms

If you purchased Coins through an in-app mechanism (Apple App Store or Google Play), refund requests must be made directly through the respective platform:

· Apple App Store. Refunds are handled directly by Apple. It might take up to 30 days for the statement to show the refund. To request a refund, open the receipt sent to your Apple ID email, visit Apple Support, and follow the instructions.

· Google Play. Refund requests must be submitted through Google Play Support. Find your Transaction ID (starts with GPA.XXX) in your Google Play confirmation email.

You can find your receipts in your email or through your App Store/Google Play purchase history.

Consumption Information. In accordance with our Privacy Policy, we may collect and process information about your in-app purchase activity for the purpose of assisting Apple with refund requests and ensuring compliance with applicable laws and regulations.

If your account is closed, suspended, or terminated for the violation of our Terms of Use or applicable policies, your remaining Coin balance will be considered forfeit.

3. EU / UK NOTE: THE RIGHT OF WITHDRAWAL

TL;DR: If you are in the EU, the UK or Switzerland, you have an additional statutory right: within 14 days from the date of purchase you can withdraw from your purchase and

receive a full or partial refund but only for the portion of the Bundle you have not actually

consumed.

Right of withdrawal:

For customers in the European Union (EU), United Kingdom (UK), and Switzerland, you have the statutory right to withdraw from your purchase under certain conditions in accordance with Directive (EU) 2011/83/EU on consumer rights and corresponding national laws. This right does not apply to business users or purchases made for professional or commercial purposes. The following details explain how to exercise this right:

· Withdrawal period. You have the right to withdraw from your purchase agreement within 14 calendar days without providing any reason. This period expires 14 calendar days after the purchase date.

· Exercising the right of withdrawal.

To withdraw from your purchase, you must submit an unequivocal statement through our support chat available in the App or on our website before the withdrawal period expires. If the support chat is unavailable, you may alternatively contact us by email or by post.

Email: second-phone-support@municorn.com

Mailing address: Municorn Ltd., Zinas Kanther 26, Agia Triada, 3035 Limassol, Cyprus.

· Exceptions to the right of withdrawal:

(i) You will lose your right of withdrawal once the service has been fully performed, and if the performance has begun with your prior express consent and acknowledgment that you thereby lose your right of withdrawal. You may be asked to provide explicit confirmation that you wish the service to begin immediately and acknowledge that you lose your right of withdrawal once the service is fully performed.

(ii) You are not entitled to a refund for Coins that have been used during the Withdrawal Period.

This refund framework is aligned with the requirements of Directive 2011/83/EU on consumer rights and Directive (EU) 2019/770 on contracts for the supply of digital content and digital services, as implemented in the national laws of EU Member States and the UK Consumer Rights Act 2015.

TL;DR: For users in the United States, we follow applicable federal and state consumer

protection laws. In particular, if a subscriber passes away or becomes medically disabled and unable to use the Service, you (or your estate) can request a prorated refund for the

unused portion of the Subscription.

4. US NOTE

We comply with applicable U.S. federal and state consumer protection laws, including enhanced rights in certain states. The following outlines your rights and our refund practices for subscribers in the United States.

· Refund in case of death or disability. If you pass away during the subscription period, your estate is entitled to a prorated refund for the unused portion of your subscription. If you become medically disabled and unable to use the Service, you may also request a partial refund for the remaining time on your subscription by submitting medical documentation and a refund request to the contacts.

Email: second-phone-support@municorn.com

Mailing Address: Municorn Ltd., Zinas Kanther 26, Agia Triada, 3035 Limassol, Cyprus.

To exercise this right, please contact us via our support chat in the App or on our website before the deadline. If the chat is not available, you may contact us by email or by post at the address above.

5. NON-REFUNDABLE ITEMS

TL;DR: Lifetime subscriptions (where offered), services where you expressly consented to immediate provision and Coins are non-refundable items.

The following items are non-refundable:

· Lifetime subscriptions (if applicable).

· You have expressly consented to the immediate provision of the service (e.g., access to premium features), acknowledging that you forfeit the withdrawal right.

· Coins (except as required by applicable law).

TL;DR: Any bank or transaction fees related to refunds are deducted from the refund

amount (this does not apply to EU/EEA or UK users exercising their statutory right of

withdrawal). We may update this policy from time to time; your continued use of the

Service after changes constitutes acceptance of the updated policy.

6. MISCELLANEOUS

· User responsibility for fees. Any transaction fees related to refunds (e.g., bank processing fees) will be borne by the user and deducted from the final refund amount.

· Amendment of policy. This Billing and Refund Policy may be updated from time to time in accordance with legal and regulatory changes. Continued use of the Service after changes are implemented constitutes acceptance of the revised Billing and Refund Policy.

• Disputes and Liability. Payments processed through third-party payment providers, including Stripe, are subject to the terms and policies of the respective payment provider. While we may assist in facilitating communication or providing relevant transaction information, any payment-related disputes may also need to be addressed with the applicable payment provider. Our responsibility is limited to the operation of our platform and the initiation and status of transactions within it, and we do not assume liability for issues arising solely from the processing activities of third-party payment providers.

7. CONTACT US

TL;DR: If you have any questions about this policy, please write to us via the support chat or by email.

If you have any questions about this Billing and Refund Policy, please contact us:

Via support chat: available in the App or on our Website.

By email: second-phone-support@municorn.com

Postal Address:

Municorn Limited

Zinas Kanther 26 Agia Triada, Limassol CY 3035