Refund Policy — Digital Information Product

1. No Refund

MB Capitals is a digital information product. The moment your purchase completes, you receive immediate access to the entire Blueprint, the full video curriculum, the private Skool community, and the right to schedule your 1-on-1 coaching sessions. The intellectual content, once delivered, cannot be returned, un-watched, or un-read.

For this reason, MB Capitals does not offer monetary refunds, cancellation windows, or money-back guarantees. All sales are final from the moment of payment. The exceptions in Section 4 below apply.

2. Express Waiver of Statutory Right of Withdrawal

At checkout, you must explicitly confirm a consent statement before payment is processed. By checking that box and completing payment, you:

• Acknowledge that the Service consists of digital content delivered immediately and a personal-service component (1-on-1 coaching) commenced at your direction;
• Provide express consent to immediate performance of both components, beginning at the moment of purchase;
• Acknowledge that you lose, and expressly waive, any statutory right of withdrawal you would otherwise have under the consumer-protection law of your country of residence — including, where applicable: § 356 Abs. 4 and Abs. 5 of the German Civil Code (BGB) for personal-service and digital-content contracts, sections 36(1)(b) and 37 of the United Kingdom Consumer Rights Act 2015 governing digital content, and equivalent provisions of US, Canadian, and Australian consumer law;
• Confirm that you have read and understood this Refund Policy in full prior to payment.

The consent record is timestamped and stored as metadata on your Stripe transaction for audit purposes.

3. What You Get Instead of a Refund

The risk-reversal in this Service is not a money-back guarantee. It is a commitment from us, not a buy-back from you. Specifically:

• 1-on-1 coaching continues until the system clicks. The five sessions described on the sales page are the baseline. If you have done the structured work — completed the Blueprint, attended your scheduled calls, logged your trade-reviews — and the system still has not clicked for you, additional 1-on-1 sessions are provided at no extra cost until it does. The hours are uncapped on our side. The only thing that ends them is you stopping the work.
• Lifetime access to the Skool community, Blueprint updates, and all future course revisions. No recurring fees. No expiry.
• Email-based support for technical issues, account access, and onboarding questions, indefinitely.

The trade is straightforward: we do not return your money; we keep working with you until the system works for you. That is the structure of the offer.

4. Exceptions Where a Refund Is Issued

Despite the no-refund rule above, MB Capitals will refund your purchase in the following narrowly defined circumstances:

1. Geographic ineligibility (automatic). MB Capitals is sold worldwide outside the European Union and European Economic Area. If a purchase is detected from an excluded jurisdiction (Germany, any other EU member state, or EEA states Iceland, Liechtenstein, or Norway), we automatically refund the full amount within 72 hours and revoke access. You will be notified by email. No request from you is required.
2. Technical fulfillment failure on our side. If, due to a technical fault attributable to MB Capitals, you do not receive access to the Skool community, Blueprint documentation, or course materials within 72 hours of payment, and we are unable to remedy the access issue within seven business days of you reporting it, you may request a full refund.
3. Material breach of the Terms of Service by MB Capitals. If MB Capitals materially fails to deliver the Service as described in our Terms of Service (e.g., total non-availability of coaching, complete removal of all course content, etc.), you may request a pro-rata refund of the un-delivered components within 30 days of the breach.
4. Mandatory consumer-protection law that cannot be waived. Where the consumer-protection law of your country of residence grants you a non-waivable refund or cancellation right that overrides the express waiver in Section 2 above, your statutory right prevails. See Section 6 below for jurisdiction-specific notes.
5. 14-day pre-coaching refund window (discretionary).Within 14 calendar days of the date of purchase, MB Capitals will, at its discretion, refund the full purchase price under all of the following conditions: (a) you have not attended any 1-on-1 coaching call (whether scheduled, attended, or rescheduled), (b) your tracked viewing of the video course is below 25% of total runtime, (c) you have not posted in the Skool community, and (d) you submit the refund request from the email address used at checkout. This window is offered as a buyer-trust mechanism in addition to — and never in derogation of — the express waiver in Section 2. The window does not extend the statutory rights described in Section 6. Once you attend a coaching call OR pass 25% course consumption OR post in the community OR the 14 days expire, whichever first, this option lapses and the "Support until it clicks" mechanism in Section 3 takes over.

For exception requests under (2) or (3), email refund@mbcapitals.com from the email address you used at checkout. Subject line: “Refund Request — [your name]”. Include your Stripe transaction ID and a brief description of the issue. We acknowledge within 24 hours and respond within seven business days.

5. Chargebacks and Disputes

If you have a complaint or believe an exception under Section 4 applies, please contact us first at refund@mbcapitals.com. We resolve good-faith concerns quickly.

Initiating a chargeback with your card issuer or bank without first contacting us — particularly after you have accessed the Blueprint, watched course content, attended a coaching call, or participated in the Skool community — constitutes a breach of these terms. In such cases:

• Your access to the Service is terminated immediately and permanently;
• We will dispute the chargeback with documentation of your access, engagement, and the timestamped consent waiver recorded at checkout;
• Where a chargeback is reversed in our favor, you remain liable for any fees imposed by the payment processor.

Chargebacks initiated in good faith (e.g., suspected card fraud, unauthorized purchase by a third party) are handled cooperatively and are not affected by the above.

6. Statutory Rights by Jurisdiction

The express waiver in Section 2 is offered in addition to — and never in derogation of — any non-waivable statutory consumer rights you have under the law of your country of residence. Where applicable law grants you a refund or cancellation right that cannot be waived by contract, that right prevails over Section 2 of this policy.

Germany & the European Union

MB Capitals does not sell into Germany, other EU member states, or EEA states (see Section 4(1) above). Purchases from these jurisdictions are auto-refunded. The DE/EU statutory framework is therefore not applicable to consummated sales.

United Kingdom

Your statutory rights under the UK Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are unaffected to the extent they are non-waivable. Sections 36(1)(b) and 37 of the CRA 2015 specifically permit waiver of the right of withdrawal for digital content where the consumer has given express consent to immediate supply and acknowledged the resulting loss of withdrawal right — which is the structure used here. Mandatory rights (e.g., that services be performed with reasonable care and skill) remain in force.

United States

US federal law does not impose a mandatory cooling-off period for online digital-services purchases. State-level consumer-protection statutes vary; the express waiver in Section 2 is enforceable in most US states for digital content delivered immediately. If you are a resident of California, Civil Code § 1789.3 requires us to provide certain consumer-rights notices: the Service is provided by Maximilian Bossow; complaints may be referred to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at +1 (800) 952-5210.

Australia

Your rights under the Australian Consumer Law (Schedule 2, Competition and Consumer Act 2010 (Cth)) are unaffected to the extent they are non-waivable. Our Service comes with consumer guarantees that cannot be excluded — including that services will be rendered with due care and skill, fit for the purpose disclosed, and provided within a reasonable time. For major failures of the Service you are entitled to a refund or replacement and, where applicable, compensation for reasonably foreseeable loss or damage. Section 2’s waiver applies only to the discretionary right of withdrawal and does not affect ACL consumer guarantees.

Canada

Your rights under your provincial consumer-protection legislation — including Ontario’s Consumer Protection Act, 2002, British Columbia’s Business Practices and Consumer Protection Act, Quebec’s Consumer Protection Act (which provides cooling-off rights for distance contracts), Alberta’s Consumer Protection Act, and equivalent provincial statutes — are unaffected to the extent they are non-waivable. Where provincial law grants a non-waivable cooling-off period for distance contracts, that period prevails over Section 2 of this policy.

Other jurisdictions

If you are a resident of a jurisdiction not listed above (e.g., Switzerland, Japan, Brazil, India, South Africa, or any other country we serve outside the EU/EEA), your applicable consumer-protection statutes apply in addition to this policy. Where local law provides non-waivable consumer rights stronger than this policy, those rights prevail. Email refund@mbcapitals.com if you believe local law grants you additional protections we should acknowledge specifically.

7. Currency and Refund Method (when applicable)

Where a refund is issued under one of the Section 4 exceptions, the refund is processed in USD via Stripe to your original payment method. If your bank or card converted USD to your local currency at purchase, the bank’s exchange rate at refund-time may differ slightly from the rate at purchase. MB Capitals refunds the full USD amount of the original transaction; any small difference due to exchange-rate fluctuation is not compensated.

8. Updates to This Policy

MB Capitals may update this Refund Policy from time to time. The version in effect at the time of your purchase governs your refund rights. Material changes will be communicated by email to active customers.

9. Contact

Questions about this Refund Policy: refund@mbcapitals.com. For all other matters see the Imprint and Terms of Service.