REFUND AND RETURNS POLICY

Last Updated: December 26, 2025

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## LEGAL ENTITY

**Company Name:** SMALLCAP MARKET SYSTEMS LLC
**Registered Address:**
5830 E 2ND ST, STE 7000 #31660
CASPER, WY 82609
United States

**Email:** info@mariomaldonado.com
**Website:** https://mariomaldonado.com

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## OVERVIEW

This policy applies to all digital educational products and services offered through mariomaldonado.com, operated by SMALLCAP MARKET SYSTEMS LLC.

We want you to be satisfied with your educational purchase. This policy outlines the refund terms for our digital educational products in compliance with applicable consumer protection laws in the United States, European Union, United Kingdom, Mexico, and Latin America.

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## WORKSHOPS AND INDIVIDUAL COURSES ($98 – $500 USD)

### 30-Day Satisfaction Guarantee

– You have **30 days** from the date of purchase to request a full refund if you are not satisfied with the educational content.
– To request a refund, email **info@mariomaldonado.com** with your purchase confirmation and reason for the refund request.
– Refunds are processed within **14 business days** of approval.

### Conditions:
– Refund requests must be made within 30 days of purchase
– Refunds are based on educational content satisfaction, not trading performance
– Access to content will be revoked upon refund approval

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## THE EDGE SOCIETY ($5,000 USD)

### 30-Day Satisfaction Guarantee (All Customers)

– All customers have **30 days** from the date of purchase to request a full refund if not satisfied with the educational program.
– To request a refund, email **info@mariomaldonado.com** with your purchase confirmation.
– Refunds are processed within **14 business days** of approval.

### 14-Day Right of Withdrawal (EU/EEA/UK Customers)

In accordance with the **EU Consumer Rights Directive (2011/83/EU)** and **UK Consumer Contracts Regulations 2013**, customers in the European Union, European Economic Area, and United Kingdom have the statutory right to cancel within **14 days** of purchase for any reason, without needing to provide justification.

**To exercise this right:**
1. Notify us in writing within 14 days of purchase using the Model Withdrawal Form below, or by sending a clear statement to info@mariomaldonado.com
2. Refund will be processed within **14 days** of receiving your cancellation notice
3. Refund will be issued to your original payment method

**Note:** If you have begun accessing the digital content and expressly consented to waive your right of withdrawal, this right may be limited. We will inform you of this before purchase.

### Conditions:
– Refund requests must be made within the applicable period (30 days general, 14 days EU/UK minimum)
– Access to all program content, community, and resources will be revoked upon refund approval
– Refunds are for educational content satisfaction only, not based on trading results

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## DERECHOS DEL CONSUMIDOR EN MÉXICO (PROFECO)

De conformidad con la **Ley Federal de Protección al Consumidor** de México, usted tiene los siguientes derechos:

### Política de Reembolso:
– **30 días** para solicitar un reembolso completo si no está satisfecho con el contenido educativo
– Puede ejercer sus derechos directamente con nosotros o a través de PROFECO

### Para solicitar un reembolso:
1. Envíe un correo a **info@mariomaldonado.com** con:
– Nombre completo
– Número de orden o confirmación de compra
– Motivo de la solicitud

2. Responderemos en un plazo de **48 horas hábiles**

### Información de PROFECO:
Si no queda satisfecho con nuestra respuesta, puede presentar una queja ante:
**Procuraduría Federal del Consumidor (PROFECO)**
Teléfono del Consumidor: 55 5568 8722 (Ciudad de México)
Sitio web: https://www.gob.mx/profeco

### Facturación (CFDI):
Para solicitudes de factura fiscal, contacte: info@mariomaldonado.com dentro de los 7 días posteriores a su compra.

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## LATIN AMERICA (LATAM) CUSTOMERS

### Consumer Rights:
Customers in Latin American countries are entitled to the same **30-day satisfaction guarantee** as all other customers.

### Local Consumer Protection:
Your local consumer protection laws may provide additional rights. Nothing in this policy limits your statutory rights under applicable local law.

### Refund in Local Currency:
Refunds will be processed in USD. Any currency conversion fees charged by your bank or payment provider are your responsibility.

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## IMPORTANT NOTES

### What Refunds Cover:
– Dissatisfaction with educational content quality
– Program not meeting your educational expectations
– Technical issues preventing access (if unresolved after reasonable attempts to fix)
– Exercise of your statutory right of withdrawal (EU/UK customers within 14 days)

### What Refunds Do NOT Cover:
– Trading losses or lack of trading profits
– Failure to achieve specific trading results
– Change of mind after the refund period has expired
– Violation of Terms of Service leading to account termination
– Refund requests submitted after the applicable period

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## REFUND PROCESS

### Step 1: Submit Your Request
Email **info@mariomaldonado.com** with:
– Your full name
– Email address associated with your account
– Purchase confirmation or order number
– Date of purchase
– Reason for refund request (not required for EU/UK 14-day withdrawal)

### Step 2: Confirmation
We will acknowledge your request within **48 business hours**.

### Step 3: Review
We will review your request and respond with a decision within **5 business days**.

### Step 4: Processing
If approved, your refund will be processed within **14 business days**.

### Step 5: Credit
The refund will be credited to your original payment method. Please allow additional time for your bank to process the credit (typically 5-10 business days).

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## MODEL WITHDRAWAL FORM (EU/EEA/UK CUSTOMERS)

**(Complete and return this form only if you wish to withdraw from the contract)**

To: SMALLCAP MARKET SYSTEMS LLC
5830 E 2ND ST, STE 7000 #31660
CASPER, WY 82609, United States
Email: info@mariomaldonado.com

I hereby give notice that I withdraw from my contract for the provision of the following service:

**Service purchased:** _______________________
**Order number:** _______________________
**Date of purchase:** _______________________
**Name of consumer:** _______________________
**Address of consumer:** _______________________
**Email of consumer:** _______________________

**Date:** _______________________
**Signature (if submitted on paper):** _______________________

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## CHARGEBACKS

We encourage you to contact us directly at **info@mariomaldonado.com** before initiating a chargeback with your bank or credit card company.

**Why contact us first?**
– Faster resolution (typically within 48 hours)
– No impact on your account standing
– Direct communication to resolve any issues

**Initiating a chargeback without first contacting us may result in:**
– Delayed resolution (chargebacks can take 30-90 days)
– Additional investigation required
– Account termination per our Terms of Service
– Being barred from future purchases

**Fraudulent Chargebacks:**
Initiating a chargeback for services received and consumed may constitute fraud and may be reported to appropriate authorities.

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## PAYMENT METHODS AND REFUND TIMING

| Payment Method | Refund Timeline |
|—————-|—————–|
| Credit/Debit Card (Stripe) | 5-10 business days after processing |
| PayPal | 3-5 business days after processing |
| Bank Transfer | 10-15 business days after processing |

*Processing begins after refund approval, which occurs within 14 business days of a valid request.*

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## CONTACT FOR REFUNDS

**SMALLCAP MARKET SYSTEMS LLC**

**Email:** info@mariomaldonado.com
**Response Time:** Within 48 business hours

**Mailing Address:**
5830 E 2ND ST, STE 7000 #31660
CASPER, WY 82609
United States

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## DISCLAIMER

**THIS IS AN EDUCATIONAL SERVICE, NOT AN INVESTMENT SERVICE.**

Refund eligibility is based on **educational content satisfaction only**. We do not offer refunds based on:
– Trading performance or results
– Market conditions
– Personal financial outcomes
– Inability to replicate any results shown in educational materials

**RISK WARNING:** Trading and investing involve substantial risk of loss, including the potential loss of all invested capital. Educational content does not guarantee trading profits. Past performance shown in educational materials does not guarantee future results. You are solely responsible for your trading and investment decisions.

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## CHANGES TO THIS POLICY

This policy is subject to change. Any material changes will be:
– Posted on this page with an updated date
– Communicated via email to registered customers (for significant changes)

Continued use of our services after changes constitutes acceptance of the updated policy.

Your statutory consumer rights are not affected by any changes to this policy.

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© 2025 SMALLCAP MARKET SYSTEMS LLC. All Rights Reserved.

Last Updated: December 26, 2025