Refund Policy — Smart Scalping Life

Smart Scalping Life (scalping.life) Last updated: 1 May 2026 Effective from: 1 May 2026

Preamble

This Refund Policy (the "Policy") describes the conditions and procedure for refunds in respect of products and services purchased on the Smart Scalping Life platform (the "Platform"). The Policy forms an integral part of the Terms of Use and is to be construed together with them.

All payments on the Platform are made in cryptocurrency (USDT / USDC, BEP-20 / ERC-20 networks). Refunds are made in the same currency, to the same wallet address or to a separately agreed wallet address.

1. General principles

1.1. The Platform sells the following categories of paid products and services:

(a) Subscriptions — Pro / Titan, billed monthly for enhanced access; (b) One-off Marketplace purchases — indicators, extensions and scripts for third-party platforms (TradingView, ATAS, MT5, Tiger Trader, Chrome); (c) Challenge Entry Fees — fees for access to the simulated assessment environment; (d) Custom Pool participation fees — entry fees and opening fees for Pools; (e) Add-ons — upgrades, period extensions, optional features.

1.2. Each category has its own refund conditions, set out in Sections 2–6 of this Policy.

1.3. Right of withdrawal — 14 days (consumers in the EU). In accordance with EU Directive 2011/83/EU, you may withdraw from this Agreement within fourteen (14) calendar days of its conclusion, without giving any reason.

IMPORTANT: by registering on the Platform and beginning to use the digital content or the simulated environment, you give your express consent to the immediate provision of digital content and acknowledge that you are aware of the loss of the 14-day right of withdrawal.

Detail is set out in Section 1.4.

1.4. When the 14-day right of withdrawal is lost. Consistent with Regulation 37(1)(a) of the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (transposing EU Directive 2011/83/EU Article 16(m)), the right of withdrawal is lost where you have given express prior consent to the immediate provision of the digital content, and have expressly acknowledged that you will lose the right of withdrawal. The events triggering the loss of the right are:

Subscriptions — once you first use any feature protected by the Subscription;
Marketplace — once you download a product, generate an activation key or first connect an indicator;
Challenges — once you place the first transaction in the Simulated Environment;
Custom Pools — once the Pool starts and you place the first transaction;
Any digital content — once first accessed.

1.4.1. Evidence of express consent. Before placing an order, you will be asked to expressly confirm both (a) your consent to the immediate provision of the digital content or commencement of the simulated service and (b) your acknowledgement that you will thereby lose the 14-day right of withdrawal. The express consent is recorded in the Operator's order log together with the timestamp and is subsequently available to you on request to support@scalping.life. Where the Operator cannot evidence such express prior consent in respect of a given order, the 14-day right of withdrawal continues to apply notwithstanding any of the events listed above.

1.5. The 14-day right of withdrawal does not apply to Users acting as traders or professionals (see Terms of Use §3.4).

2. Refunds for Subscriptions (Pro / Titan)

2.1. Unused period

Subscriptions are billed in full one month at a time. No pro-rata refund is made for an unused partial period (no pro-rata refund).

2.2. 14-day withdrawal right

(a) If you have paid for a Subscription and have not used any feature protected by the Subscription within the 14 calendar days, you may request a full refund; (b) If at least one such feature has been used (visiting a Pro/Titan-protected page, using the algorithmic engine, copy trading, etc.), the right of withdrawal is lost.

2.3. Erroneous charges

If you believe that a Subscription was charged in error (e.g. after cancellation, duplicate charges, technical glitch):

contact support@scalping.life within seven (7) calendar days of the charge;
provide the transaction hash and a description of the error;
we will review the request within five (5) business days.

2.4. Cancellation

You may cancel at any time through the user dashboard:

access continues until the end of the paid period;
no further charges are made;
no partial refund is issued for the remaining days (see Section 2.1).

3. Refunds for Marketplace products

3.1. Nature of digital products

Marketplace products constitute digital content within the meaning of EU Directive 2011/83/EU. Immediately upon purchase, you receive one or more of the following:

a download link;
an activation key;
a TradingView pine-script invitation;
activation of a Chrome extension;
access to closed content.

3.2. Conditions for a refund

(a) A refund is available within 14 calendar days of purchase only if: - the product has not been downloaded; - the activation key has not been activated; - the TradingView invitation has not been accepted; - access to the materials has not been opened;

(b) A refund is not available where: - the product has been downloaded at least once; - the key has been activated; - the indicator has been connected to a trading platform; - the content has been viewed; - the 14-day period has expired.

3.3. Technical defects

Where a purchased product does not work because of a technical defect on our side (corrupted file, wrong build, incompatibility with the version of the platform stated on the product page):

(a) contact support@scalping.life with a description of the issue and supporting evidence (logs, screenshots); (b) we will provide a corrected version or, if remediation is not possible, a full refund; (c) the response time is up to seven (7) business days.

3.4. Incompatibility with your environment

A refund is not available where the product works on standard configurations but the issue is caused by:

the use of an unsupported version of the third-party platform;
the configuration of your environment, antivirus, proxy or VPN;
the absence of a third-party Subscription required to use the product (TradingView, ATAS);
non-standard chart or broker settings on your side.

Compatibility and system requirements are stated on the product page in the Marketplace.

4. Refunds of Challenge Entry Fees

4.1. Before the first transaction

The Challenge Entry Fee is fully refundable where:

(a) the request is submitted within fourteen (14) calendar days of payment; (b) no transaction has been placed in the Simulated Environment; (c) the Account is not under disqualification, ban or suspension for review.

4.2. After the first transaction

Once at least one transaction has been placed in the Simulated Environment:

the Entry Fee is not refunded;
the participant expressly confirms this on activation of the Challenge;
the basis is the educational/assessment nature of the service that begins on the first transaction.

4.3. Technical failures before commencement of trading

If, for technical reasons on the Platform's side, you were unable to obtain access to the Challenge (the trading environment could not be connected; the activation has not completed within seven (7) business days despite the data on your side being correct):

contact support@scalping.life;
we will either remediate the issue or offer a full refund.

4.4. Disqualification and ban

(a) The Entry Fee is not refunded in the cases of: - disqualification for breach of rules (see Prohibited Trading Practices); - a ban for material breach, fraud or manipulation; - transition into disqualification as a result of an investigation begun under suspension.

(b) Retention of the Entry Fee is a contractual measure of compensation for the Operator's costs of evaluation and monitoring.

4.5. Refund of the Entry Fee where a Payout is withheld

In accordance with Terms of Use §7.5 and Prop Challenge Agreement §6.5, where the Operator withholds or refuses payment of a Performance Reward, the participant has the following remedies:

(a) refund of the Entry Fee — as a minimum guaranteed remedy; (b) payment of the originally calculated Payout — where internal review or external dispute resolution confirms that there were no grounds for withholding; (c) mandatory consumer rights and any other rights conferred by applicable law are preserved in full and are not limited by this provision.

Decisions to withhold are subject to human review and may be appealed through the Complaints Procedure.

5. Refunds for Custom Pool participation

5.1. Before the Pool starts

If a Pool is in a preparation or open-recruitment stage and has not yet been activated:

(a) a participant may withdraw from the Pool and obtain a full refund of the entry fee; (b) the opening fee is refunded to the Organiser (where applicable) where the Pool is cancelled in the preparation stage in accordance with the conditions of the Pool Agreement; (c) the request is submitted through the user dashboard or to support@scalping.life.

5.2. After the Pool starts

Once the Pool is activated and the first transaction has been placed:

the entry fee and the opening fee are not refunded;
the participant may leave the Pool, but the funds are not refunded;
the results of the Pool remain in the system for the calculation of outcomes.

5.3. Cancellation of a Pool by the Organiser

Where the Organiser cancels a Pool before its activation:

entry fees are refunded to all participants in full;
the opening fee is refunded to the Organiser in accordance with the conditions of the Pool Agreement.

6. Cases in which no refund is made

A refund is not made in the following circumstances:

(a) the 14-day digital-content withdrawal period has expired and the product has begun to be used; (b) the Account has been terminated for breach of the Terms of Use, the Prohibited Trading Practices or any other related document; (c) a bad-faith or repetitive request has been submitted (repeat identical requests on a previously resolved matter without new circumstances); (d) the request relates to non-conformity of the product with your personal expectations, although the product works as advertised; (e) the request concerns trading losses — the Platform is not responsible for trading outcomes; (f) the request is submitted in circumvention of this Policy by way of a chargeback through the payment-service provider or the issuing bank.

Right to reviews and reasoned criticism. The Operator expressly acknowledges the right of participants to post truthful reviews, to express reasoned views about the Services and the products, and to share their experience on public channels. The right to a refund does not depend on, and may not be made to depend on, the participant abstaining from such communications. This provision does not limit the Operator's right to defend itself against deliberately false defamatory statements through the procedures provided for under applicable defamation law.

7. Chargebacks and their consequences

7.1. Right to chargeback in good-faith cases. Mandatory consumer rights to initiate a chargeback on bona fide grounds (fraud, services not received, material non-conformity of the service to its description) are preserved in full and are not limited by this Policy.

7.2. Recommended order. Before initiating a chargeback, we strongly encourage you to first raise the matter through this Policy (Section 8) and the Complaints Procedure. Most issues are resolved internally more quickly and at no cost to either party.

7.3. Consequences of a bad-faith chargeback. Where a chargeback is initiated in circumvention of the internal procedures and without bona fide grounds (for example, after actual use of the service without complaint, in the absence of any attempt to resolve the matter through support, or with indicia of abuse of right):

(a) the Account may be suspended for review, with notice to the participant by email and the opportunity to provide an explanation; (b) the disputed amount, plus reasonable administrative costs of processing the chargeback (capped at USD 150), may be withheld from the participant's accumulated balance or future credits; (c) where the manifestly bad-faith nature of the dispute and material loss to the Operator is established, the Operator may seek recovery of documented losses through the procedures permitted under applicable law, and may inform the relevant authorities where indicia of fraud are present.

7.4. Withholdings and sanctions under Section 7.3 must be proportionate to the disputed amount and to any established loss. Withholding the full amount of a Payout in respect of a chargeback for a smaller amount is not applied.

8. Submitting a refund request

8.1. Channels

(a) Email: support@scalping.life with the subject "Refund Request"; (b) Through the user dashboard: "Support" section → "Refund Request"; (c) Telegram: @artio_ssl (for preliminary questions only).

8.2. Information to include

In the request, please specify:

the email of your Account;
the transaction hash or payment-session ID;
the date and amount of the payment;
the type of product (Subscription / Marketplace / Challenge / Pool);
the reason for the request;
the wallet address for the refund (if different from the original).

8.3. Time for review

(a) Acknowledgement of receipt — within two (2) business days; (b) Review and decision — within ten (10) business days (target); (c) In objectively complex cases (technical analysis, third-party involvement, contested facts) the period may be extended up to thirty (30) calendar days, with written notice to the participant explaining the reasons and expected decision date.

8.3.1. Goodwill compensation for missed standard processing time

Where the review of a refund request takes more than ten (10) business days for reasons not attributable to the participant and not falling within the extension under Section 8.3(c), the Operator credits the participant with goodwill compensation in the amount of 50 USDT, in addition to any approved refund (or independently of the outcome — where the refund is not approved on the merits but the standard time has been missed).

Goodwill compensation does not apply where the delay has been caused by:

documents that have been requested from, but not provided by, the participant;
force-majeure events;
the objective need for external compliance checks.

8.4. Time for refund payment

After approval of the request, the refund is paid within seven (7) business days to the wallet address provided. Possible delays beyond that period may relate to:

block-chain congestion (high gas fees, slow confirmations);
technical verification of the recipient address;
compliance checks for larger amounts.

8.5. Block-chain network fees

Block-chain network fees (gas fees) on refunds:

are paid in full by the Operator for refund amounts of USD 100 or more;
for smaller amounts, the network fee may be deducted from the refund amount (advised in advance).

8.6. Wrong address

A refund made to an incorrectly stated wallet address, an unsupported network or an incompatible format is not subject to compensation. Providing the correct address is the participant's responsibility.

9. Amendments to this Policy

9.1. This Policy may be updated. Material changes are published with notice and take effect after fourteen (14) days.

9.2. Payments made before an amendment takes effect are governed by the version of the Policy in force at the time of payment.

10. Governing law and disputes

10.1. This Policy is governed by the laws of England and Wales.

10.2. Disputes shall be resolved in the manner set out in Terms of Use §18 and the Complaints Procedure.

10.3. Mandatory rules of consumer-protection law in your jurisdiction (where applicable) shall continue to apply.

11. Contact

Email (refund matters): support@scalping.life (subject: "Refund Request")
Email (disputed cases): legal@scalping.life
Telegram: @artio_ssl