REFUND & 90/90 COMMITMENT GUARANTEE POLICY

Effective Date: September 4, 2026

Tri-Lingual, LLC ("Tri-Lingual," "Company," "we," "our," or "us") provides structured language-learning programs combining live Conversation Partner sessions, proprietary digital learning resources, software-based practice, curriculum access, support services, and reserved instructional capacity.

Because these services begin at different stages of enrollment, this Policy distinguishes among:

Cancellation before a Sprint begins;

Access to digital products and services;

Commencement of a live Sprint;

Ordinary refund requests;

Clean Slate Resets;

The Tri-Lingual 90/90 Commitment Guarantee; and

Remedies arising from a Tri-Lingual-controlled failure to provide material promised services.

This Policy forms part of the student's agreement with Tri-Lingual. By completing a purchase, the student acknowledges having had the opportunity to review and agree to this Policy, the applicable Terms of Service, Accountability & Sprint Protocol, offer terms, and checkout disclosures.

If these documents conflict concerning a monetary refund or the 90/90 Commitment Guarantee, this Policy controls. The Accountability & Sprint Protocol controls scheduling, Forgiveness Tokens, Schedule Anchor Shifts, Emergency Hard Freezes, attendance procedures, Clean Slate Reset mechanics, and related participation rules, except where those matters determine a monetary refund or Guarantee claim. Applicable law controls over any inconsistent provision.

1. DEFINITIONS

For purposes of this Policy:

Enrollment means the student's original purchase transaction and the contractual relationship created by that purchase.

Sprint means a time-limited Tri-Lingual learning program identified as a Sprint in the applicable offer or enrollment materials.

Official Sprint Start Date means the original date on which the student's scheduled Sprint curriculum officially begins, as identified in the student's account, enrollment confirmation, or program schedule. It is distinct from the purchase date, account-creation date, onboarding date, orientation date, and first platform login.

Official Sprint Completion Date means the scheduled completion date calculated from the Official Sprint Start Date, as adjusted by an approved Emergency Hard Freeze or another expressly authorized program accommodation.

Reset Sprint Start Date means the date on which an approved Clean Slate Reset restarts the student's curriculum progression and 90/90 participation measurement from Day 1. It does not replace the Official Sprint Start Date or create a new Enrollment.

Reset Sprint Completion Date means the scheduled completion date calculated from the Reset Sprint Start Date, as adjusted by an authorized program accommodation.

Guarantee Measurement Period means the live and asynchronous participation period used to calculate eligibility under the 90/90 Commitment Guarantee.

Applicable Guarantee Completion Date means the Official Sprint Completion Date for a student who does not use a Clean Slate Reset and the Reset Sprint Completion Date for a student who does.

Conversation Partner or CP means a person made available by Tri-Lingual to facilitate structured language practice.

Asynchronous Activities means required activities completed outside live sessions, including lessons, exercises, assignments, recordings, submissions, or other designated program work.

2. BEFORE THE SPRINT BEGINS

Unless a specific offer clearly states otherwise, a student may request cancellation before the Official Sprint Start Date, provided Tri-Lingual has not begun delivering non-refundable individualized services or other services expressly identified before purchase as immediately delivered and non-refundable.

An approved pre-Sprint refund may exclude separately purchased digital products, third-party charges, individualized services already performed, and other amounts expressly identified before purchase as non-refundable, to the extent permitted by law.

A pre-Sprint cancellation request must be submitted in writing under Section 16. The request is not effective merely because the student stops payment, fails to complete onboarding, does not use the platform, or does not attend the Sprint.

3. DIGITAL ACCESS

Enrollment may provide immediate access to proprietary content, software, assessments, onboarding materials, instructional resources, learning modules, community features, or other digital services.

Accessing digital materials does not, by itself, eliminate eligibility under the 90/90 Commitment Guarantee.

Digital products, downloadable materials, software access, and other digital resources sold separately or expressly designated as non-refundable before purchase are generally non-refundable once delivered or accessed, except where this Policy, the applicable offer, or law provides otherwise.

A student who accesses program materials and later changes their mind is not automatically entitled to an ordinary refund merely because the materials were not fully used. This limitation does not defeat an otherwise qualifying 90/90 Commitment Guarantee claim.

4. COMMENCEMENT OF LIVE SERVICES

Once the Official Sprint Start Date occurs, Tri-Lingual begins reserving and delivering individualized program capacity. This may include:

Reserved Conversation Partner capacity;

Scheduled live Reflex Gym opportunities;

Language Mentor support;

Curriculum progression;

Asynchronous Activities;

Platform and software access; and

Other resources included in the Enrollment.

After the Sprint begins, voluntarily stopping participation, scheduling conflicts, work obligations, travel, vacations, loss of interest, failure to use the platform, or failure to attend sessions does not, by itself, create a right to an ordinary refund.

Students may nevertheless remain eligible for a remedy expressly provided by this Policy, the Accountability & Sprint Protocol, the applicable offer, or law.

5. SERVICE DELIVERY AND RESERVED CAPACITY

Tri-Lingual provides a combination of live, digital, asynchronous, and support services. A service may be considered delivered or made available when, as applicable:

A scheduled live opportunity was reserved and made available;

A CP was assigned and available for the scheduled session;

A digital lesson, exercise, assignment, or module was available through the platform;

Software or digital resources were accessible through the student's account;

Language Mentor or other applicable support was available;

A properly requested replacement or make-up opportunity was provided; or

Another included service was delivered or made available under the applicable program terms.

A student's failure to use an otherwise properly delivered or available service does not necessarily mean Tri-Lingual failed to provide it.

When Tri-Lingual fails to provide a scheduled live service because of a Tri-Lingual-controlled failure, the Platform Reliability Commitment in the Accountability & Sprint Protocol applies.

6. SCHEDULING ACCOMMODATIONS

Scheduling accommodations are governed by the Accountability & Sprint Protocol, including rules for:

Forgiveness Tokens;

Planned rescheduling;

Late cancellations and no-shows;

Momentum Incentives;

Schedule Anchor Shifts;

Emergency Hard Freezes;

Extended inactivity;

Clean Slate Resets;

CP failures; and

Make-up opportunities.

Forgiveness Tokens have no monetary or cash value. Their use, deduction, restoration, or exhaustion does not independently create or eliminate eligibility under the 90/90 Commitment Guarantee.

7. THE TRI-LINGUAL 90/90 COMMITMENT GUARANTEE

Eligible programs may include the Tri-Lingual 90/90 Commitment Guarantee. The Guarantee is a conditional program guarantee for a student who substantially follows the prescribed program, completes the applicable Sprint, and remains dissatisfied with the experience. It is not an unconditional satisfaction guarantee or general cancellation right.

The Guarantee applies only when the applicable offer expressly identifies the program as eligible. Promotional pricing does not eliminate the Guarantee unless the offer clearly and conspicuously states before purchase that the program is excluded.

To qualify, the student must satisfy every requirement below.

A. Live Participation

The student must attend at least ninety percent (90%) of the scheduled live CP sessions properly made available during the applicable Guarantee Measurement Period.

A session counts as attended only when the student joins through an authorized method, remains present for the minimum qualifying duration identified in the program rules, and participates in good faith. Merely joining briefly, leaving a session running without meaningful participation, joining under another person's identity, or manipulating an attendance record does not constitute qualifying attendance.

Approved Tri-Lingual make-up sessions may count. When an original session is properly rescheduled, the original and replacement are not counted as two separately required sessions; the replacement assumes the participation status of the rescheduled opportunity.

Sessions excused under an approved Emergency Hard Freeze or excluded because of a documented Tri-Lingual-controlled failure are removed from both the completed-session count and the applicable-session total.

B. Asynchronous Participation

The student must complete at least ninety percent (90%) of required Asynchronous Activities assigned during the applicable Guarantee Measurement Period.

Depending on the program, qualifying activities may include:

Tonal or pronunciation warmups;

Input lessons;

Speaking drills;

Flashcard activities;

Self-Study Hours;

Voice-message assignments; and

Other activities expressly designated as required.

An activity counts as completed only when performed and submitted in the manner required by the curriculum. Merely opening a lesson, allowing content to play without meaningful engagement, submitting an empty or materially incomplete response, duplicating another person's work, or artificially generating a completion status does not constitute qualifying completion.

C. Program Completion

The student must remain actively enrolled through the Applicable Guarantee Completion Date and must not voluntarily withdraw or abandon the Sprint, subject to approved accommodations.

A suspension, access restriction, or interruption caused by Tri-Lingual does not disqualify the student unless it resulted from the student's material breach of the Terms of Service or Community Guidelines.

D. Timely Claim

The student must submit a written Guarantee claim no later than seven (7) calendar days after the Applicable Guarantee Completion Date.

The deadline expires at 11:59 p.m. in the student's account-designated local time zone. A request is received when it reaches Tri-Lingual's designated support system at [email protected].

E. Good-Faith Participation

The student's recorded activity must reflect genuine completion rather than artificial, automated, fraudulent, deceptive, or manipulated activity intended primarily to manufacture eligibility.

F. Percentage Calculation

Each percentage is calculated by dividing qualifying completed requirements by the number of applicable requirements in the Guarantee Measurement Period. Authorized exclusions are removed from both the completed count and the applicable total.

Percentages are calculated to one decimal place and are not rounded up to create eligibility. For example, 26 qualifying completions out of 29 applicable requirements equals 89.7%, not 90.0%.

8. CLEAN SLATE RESET AND GUARANTEE MEASUREMENT

Certain eligible Sprints permit a student to purchase one (1) Clean Slate Reset for $150 under the Accountability & Sprint Protocol. Eligibility is not dependent upon the student's Forgiveness Token balance.

An approved Clean Slate Reset restarts the same eligible Sprint from Day 1 and establishes a Reset Sprint Start Date and Reset Sprint Completion Date. The restarted Sprint contains substantially the same curriculum, learning sequence, program requirements, and educational content, although CPs, technology, presentation, exercises, materials, and administration may reasonably change.

For purposes of the 90/90 Commitment Guarantee:

Live attendance before the Reset Sprint Start Date does not count toward the restarted live-participation requirement;

Asynchronous Activities completed before the Reset Sprint Start Date do not count toward the restarted asynchronous requirement;

Required qualifying activities must be completed again during the restarted Guarantee Measurement Period;

Prior missed sessions, token deductions, and asynchronous non-completion do not count against the restarted calculation; and

Guarantee eligibility is calculated exclusively from qualifying participation during the restarted Sprint.

The student's existing Forgiveness Token balance is replaced with exactly three (3) tokens. Unused tokens do not accumulate.

The restarted Sprint receives one new Schedule Anchor Shift. An unused original Anchor Shift does not carry forward or stack, so the restarted Sprint has a maximum of one Schedule Anchor Shift.

A Clean Slate Reset does not restart or create:

A new original Enrollment or purchase transaction;

A new pre-Sprint cancellation, ordinary refund, trial, or cooling-off period;

Eligibility for another Clean Slate Reset;

An additional Emergency Hard Freeze;

Cancellation, reduction, forgiveness, deferral, or restart of remaining original Enrollment installments;

Automatic renewal or replenishment of an add-on; or

Erasure of historical transaction, participation, service, payment, communication, conduct, or account records.

The one-Reset limitation applies to the individual student and original purchase transaction and cannot be circumvented through a new account, email address, payment method, transfer, rescheduling, freeze, extension, or other similar method. Reset rights are personal and non-transferable.

Purchasing a Reset does not itself establish Guarantee eligibility. The student must independently satisfy every Guarantee requirement during the restarted Sprint.

The $150 Reset fee is separate from the original Enrollment price and is not credited toward that price. It becomes non-refundable once the restarted Sprint begins, except where Tri-Lingual fails to provide the approved restarted Sprint or law requires otherwise. Unless the applicable offer expressly states otherwise, a 90/90 Commitment Guarantee refund does not include the Reset fee.

9. GUARANTEE REMEDY

A student who satisfies every applicable 90/90 Commitment Guarantee requirement and submits a timely qualifying claim will receive the remedy expressly promised in the applicable enrollment offer.

Unless the applicable offer clearly and conspicuously provides otherwise before purchase, an approved full 90/90 Commitment Guarantee claim will:

Refund amounts actually paid toward the qualifying core Sprint; and

Cancel remaining unpaid installments attributable exclusively to that qualifying core Sprint.

Unless expressly included in the offer, the Guarantee does not include:

The $150 Clean Slate Reset fee;

Optional add-ons;

Separately purchased products;

Third-party products or services;

Gift certificates;

Shipping or physical merchandise;

Processing or third-party fees expressly disclosed before purchase as non-refundable; or

Purchases clearly and conspicuously excluded from the Guarantee before checkout.

Amounts attributable to products or services excluded from the Guarantee remain payable unless the applicable offer or law provides otherwise.

Refunds are issued to the original payment method when reasonably practicable. If that method is unavailable, Tri-Lingual may use another lawful method after reasonably verifying the recipient.

10. CIRCUMSTANCES THAT DO NOT ESTABLISH A GUARANTEE CLAIM

Except where law requires otherwise, the following do not independently qualify a student for a refund under the 90/90 Commitment Guarantee:

Changing one's mind;

Deciding language learning is no longer a priority;

Failing to satisfy either 90% requirement;

Voluntarily withdrawing or abandoning the Sprint;

Work conflicts, travel, vacations, or personal scheduling conflicts;

Failure to use available scheduling or freeze accommodations;

Failure to submit a timely claim;

Fraudulent, automated, deceptive, or manipulated participation;

Account sharing or identity misrepresentation; or

Removal for a material violation of the Terms of Service or Community Guidelines, where permitted by law.

These circumstances do not eliminate any independent right or remedy that law does not permit Tri-Lingual to waive.

11. PLATFORM RECORDS AND PARTICIPATION EVIDENCE

Tri-Lingual may maintain and use records reasonably related to service delivery, participation, account administration, refund requests, and Guarantee claims, including:

The versions of the Terms, policies, offer terms, and checkout acknowledgments accepted;

Transaction authorization and payment records;

Original purchase date and Official Sprint dates;

Account access and login timestamps;

Digital resources and curriculum made available;

Live-session scheduling and CP availability;

Student and CP joins, departures, attendance duration, and participation;

Curriculum completion, lesson activity, assignments, and voice submissions;

Scheduling, rescheduling, and make-up opportunities;

Forgiveness Token balances and deductions;

Schedule Anchor Shifts and Emergency Hard Freezes;

Clean Slate election, payment, and Reset Sprint dates;

Reset-period live and asynchronous participation;

Platform incident and service-failure records;

Support and student communications; and

Refund, cancellation, Guarantee, and payment-dispute communications.

These records constitute evidence of program activity and service delivery and are presumed accurate absent evidence of technical error or other reliable evidence demonstrating an inconsistency. A student may submit contrary evidence.

Students who believe a record is incorrect should notify Tri-Lingual promptly so it can be investigated and corrected where appropriate.

12. SUBSCRIPTIONS AND RECURRING SERVICES

The 90/90 Commitment Guarantee applies only to programs expressly identified as eligible.

For a recurring subscription or membership separate from an eligible Sprint:

Cancellation stops future renewals according to the disclosed subscription terms;

Amounts already charged for a current period are generally non-refundable unless the offer, this Policy, or law provides otherwise;

Cancellation does not retroactively convert prior authorized charges into refundable charges; and

Renewal and cancellation procedures will be disclosed before purchase.

A Sprint payment plan is a method of paying a single purchase price in installments and is not a subscription unless expressly sold as one. Billing or refunds administered through Apple, Google, or another platform may also be subject to that platform's procedures.

13. PAYMENT PLANS

A payment plan changes the timing of payment; it does not change the total Enrollment price or convert the Enrollment into a month-to-month service unless expressly stated.

Stopping participation, missing sessions, ceasing platform use, freezing, rescheduling, or exercising a Clean Slate Reset does not automatically cancel, reduce, defer, forgive, or restart remaining installments.

If a full refund is approved under the 90/90 Commitment Guarantee, Tri-Lingual will refund eligible amounts already paid and cancel remaining installments attributable solely to the refunded qualifying Sprint, unless the applicable offer clearly and conspicuously disclosed a different lawful treatment before purchase.

Amounts attributable to excluded products, add-ons, Reset fees, third-party services, or other non-refunded items remain payable unless otherwise agreed in writing or required by law.

14. TRI-LINGUAL SERVICE FAILURES

The 90/90 Commitment Guarantee does not require a student to accept Tri-Lingual's failure to provide material services promised as part of the Enrollment.

When a scheduled live session is missed because of a Tri-Lingual-controlled failure, the Platform Reliability Commitment applies.

Repeated or material Tri-Lingual-controlled failures are evaluated separately from ordinary dissatisfaction and the 90/90 Commitment Guarantee. When Tri-Lingual fails to provide material promised services and cannot provide a commercially reasonable replacement or cure, Tri-Lingual will provide an appropriate replacement, credit, partial refund, full refund, or other remedy required by the Enrollment terms or law.

A student seeking a remedy for material nondelivery is not required to establish 90/90 participation when the alleged failure itself materially prevented that participation.

15. PAYMENT DISPUTES AND CHARGEBACKS

Students who believe a billing error, service-delivery problem, or refund issue occurred are encouraged to contact Tri-Lingual promptly so the matter can be investigated.

When responding to a payment dispute, Tri-Lingual may provide records reasonably relevant to the transaction, including acceptance of applicable terms, transaction authorization, digital access, curriculum availability, scheduled services, CP availability, attendance, participation, completion, accommodations, payments, service incidents, and communications.

Nothing in this Policy waives or limits any billing-error, chargeback, statutory, or consumer-protection right that cannot lawfully be waived. Fraudulent disputes, falsified evidence, or deliberate misuse of a payment-dispute process may constitute a material breach, but a good-faith exercise of lawful rights does not.

16. SUBMITTING A CANCELLATION, REFUND, OR GUARANTEE REQUEST

All requests must be submitted in writing to:

Email: [email protected]

The request must include:

Student's full name;

Email address associated with the account;

Program purchased;

Approximate purchase date;

Whether the request concerns cancellation, an ordinary refund, material nondelivery, or the 90/90 Commitment Guarantee; and

Supporting information the student wants considered.

A timely initial Guarantee claim preserves the submission deadline if it reasonably identifies the student, applicable Enrollment, and intent to invoke the 90/90 Commitment Guarantee.

If information reasonably necessary to evaluate the request is missing, Tri-Lingual will notify the student and provide five (5) business days to supply it. Failure to provide requested information within that period may result in administrative closure, unless a reasonable extension is required by law or expressly granted in writing.

17. REVIEW AND REFUND PROCESSING

Tri-Lingual will evaluate cancellation, refund, material-nondelivery, and Guarantee requests using the applicable contractual terms and reasonably relevant records.

Tri-Lingual will make commercially reasonable efforts to:

Acknowledge receipt within three (3) business days;

Identify materially missing information within five (5) business days;

Provide a written determination within fourteen (14) business days after receiving the information reasonably necessary to evaluate the request; and

Submit an approved refund to the applicable payment processor within ten (10) business days after approval.

A bank, card issuer, app store, or payment provider may require additional time to post the refund.

If a technical or attendance-record discrepancy affects eligibility, Tri-Lingual may investigate and correct the record before making a determination. The student may provide evidence of an alleged discrepancy.

An individual discretionary accommodation does not modify the published Guarantee or require the same discretionary accommodation in another case. This does not permit Tri-Lingual to withhold the promised remedy from a student who satisfies every Guarantee requirement.

18. EXCEPTIONS REQUIRED BY LAW

If federal, state, or local law provides a consumer with greater rights or remedies than those described here, Tri-Lingual will honor those rights to the extent required.

Nothing in this Policy waives, restricts, or eliminates a right that applicable law does not permit the parties to waive.

19. POLICY CHANGES AND GOVERNING VERSION

Tri-Lingual may revise this Policy prospectively.

The version presented and accepted in connection with a student's purchase governs that Enrollment unless the parties expressly agree otherwise or law requires a different result.

Later revisions will not retroactively reduce a student's material contractual refund or Guarantee rights. Tri-Lingual may apply clarifications, corrections, security measures, or legal-compliance changes that do not materially reduce existing rights, subject to law.

Tri-Lingual may preserve the applicable policy version, version date, acceptance timestamp, checkout disclosures, and other enrollment records.

20. CONTACT INFORMATION

Tri-Lingual, LLC

1613 Evans Avenue #530

Cheyenne, Wyoming 82001-4619

United States

Email: [email protected]

By completing Enrollment, the student acknowledges having had the opportunity to review this Policy together with the applicable Terms of Service, Accountability & Sprint Protocol, offer terms, and checkout disclosures.