CoachMi Payment Policies & Billing Terms

Effective Date: 25th September 2026

TABLE OF CONTENTS 1. Payment Methods & Processing 2. Academy Subscription Payments 3. Personal Coach Subscription Payments 4. Service Booking Payments (Academy Coaching, Personal Coaching, Rentals) 5. Nutrition Service Payments 6. Refunds & Cancellation Policies 7. Digital Invoices & Payment Records 8. Disputes & Payment Issues 9. Price Changes & Policy Updates 10. Contact & Support

1. PAYMENT METHODS & PROCESSING

1.1 Authorized Payment Gateway

All payments on CoachMi are processed through Razorpay, an authorized third-party payment processor. CoachMi uses Razorpay to securely process transactions including:

Credit cards (Visa, Mastercard) Debit cards UPI (Unified Payments Interface) Digital wallets Net banking

1.2 Payment Authorization

By providing payment details, you authorize CoachMi and/or Razorpay to:

You represent and warrant that: Verify your payment method Deduct funds for charges you authorize Process recurring charges (for subscriptions) as outlined in this section Collect transaction fees and taxes (GST, if applicable) You are the authorized user of the payment method You have authority to use the payment method Your information is accurate and complete

1.3 Transaction Charges & Taxes

Transaction Charges: GST (Goods & Services Tax): Example Refund Calculation: Vary from 2.5% to 3.5% depending on payment method used Deducted from payments before settlement to service providers Deducted from refunds issued to users Charged by Razorpay (third-party processor), not by CoachMi Applied if you (user) are GST-registered Or if service provider (academy, coach) is GST-registered Calculated and deducted from payments/refunds accordingly GST invoices generated and provided for tax compliance Original payment: Rs. 1,000 Transaction charge (3%): Rs. 30 GST (if applicable, 18% on remaining): Rs. 174 Net refund to you: Rs. 796

1.4 Payment Failures & Automatic Refunds

If a payment transaction fails (e.g., insufficient funds, card decline, network error):

If a charge was processed before failure detected: CoachMi is NOT liable for: Razorpay will NOT charge you No funds will be deducted CoachMi will automatically initiate a refund Refund returned to original payment method Processing time: 7 business days from detection You'll receive notification when refund is processed Payment processing delays by Razorpay or banks Payment gateway failures or downtime Incorrect refund amounts due to third-party processor errors (disputes resolved with Razorpay)

2. ACADEMY SUBSCRIPTION PAYMENTS

2.1 Subscription Plans & Pricing

CoachMi offers Academy Subscription plans based on the number of student-athletes enrolled in your academy:

Price Adjustments: CoachMi reserves the right to adjust pricing with 30 days advance written notice Notice sent via email, in-app notification, and SMS You have the right to cancel before new pricing takes effect Continued use after notice period = acceptance of new pricing

2.2 Billing Cycles

You can choose your billing cycle at signup: Your billing cycle begins on your signup date and repeats at the same interval.

Monthly: Charged on the same day each month Quarterly (3 months): Charged every 3 months Six-Monthly: Charged every 6 months Annual: Charged once per year

2.3 Auto-Pay System & Payment Authorization

CoachMi uses an automated payment collection system (auto-pay). When you subscribe:

You authorize CoachMi to: This is a STANDING MANDATE: Set a payment mandate with Razorpay Automatically deduct subscription fees on your billing date Retry payment if the first attempt fails Continue charging on your recurring cycle until you cancel One authorization covers all recurring charges You do NOT need to authorize each payment individually Mandate remains active until you cancel subscription

2.4 Payment Notifications (3-Day Notice)

You will receive notifications about your upcoming payment 3 days before your billing date:

Email Notification: In-App Notification: Purpose: Review your subscription details for accuracy. Adjust or cancel before the charge if needed.

Sent 3 days before billing date Includes subscription details, amount due, billing date Banner or alert 3 days before billing date Accessible in account notifications

2.5 Plan Changes (Upgrade/Downgrade)

You can upgrade or downgrade your subscription plan anytime. However:

Effective Date: No Refunds for Mid-Cycle Changes: Changes take effect on your next billing cycle, NOT immediately Current billing cycle pricing remains unchanged If you upgrade, you do NOT get refund for difference If you downgrade, you do NOT get refund for overpayment Pricing applied only on next billing cycle

2.6 Subscription Cancellation

You can cancel your Academy Subscription at any time. To cancel:

Method 1: Use the cancellation option in your account settings

Method 2: Email admin@coachmi.in with subject "Cancel Subscription"

Cancellation Timing: Cancellation takes effect immediately You lose access to Partner App features right away You will NOT be charged for the next billing cycle NO refund is issued for unused time in current billing cycle

2.7 Data Access After Cancellation

After you cancel your subscription: 30-Day Export Window: After 30 Days: You have 30 days to download/export your academy's data Includes: student information, training records, progress reports, assessments, videos Use this period to back up critical data Your data may be permanently deleted from CoachMi You will NO LONGER have access Deletion is irreversible

3. PERSONAL COACH SUBSCRIPTION PAYMENTS

3.1 Subscription Pricing & Billing

Personal Coaches can subscribe to CoachMi's personal coaching platform:

Subscription Fee: Free Trial Period: Auto-Renewal (Day 91): Rs. 199 per month Billed monthly starting Day 91 of free trial

90 days from coach profile activation

Full access to all personal coaching features No payment required during trial No payment authorization needed during trial On Day 91, subscription automatically renews Rs. 199 charged to registered payment method Monthly charges continue on the same date each month

3.2 Free Trial Terms

Duration: 90 days from profile activation

What's Included in Free Trial: Cancellation During Trial: Personal coaching profile (live on Platform) Ability to accept bookings from parents/students Full access to coaching dashboard and tools Booking calendar and session management Payment processing and settlement (earn money during trial) You can cancel anytime before Day 91 No charges will be applied No payment authorization required Your profile remains visible until cancellation takes effect

3.3 Auto-Subscription After Free Trial

On Day 91 of your free trial: CoachMi Will: Payment Notifications (3-Day Notice): Automatically set up a payment mandate with Razorpay Automatically charge Rs. 199 to your registered payment method Send payment confirmation via email Continue monthly charges on the same date each month until cancelled Email notification on Days 88-90 (reminder of upcoming charge) In-app notification on Days 88-90 Includes amount due and billing date

3.4 Monthly Subscription & Cancellation

After Day 91, you are charged: You can cancel ANYTIME: To Cancel: Cancellation Effects: Rs. 199 on Day 91 (first billable charge) Rs. 199 monthly thereafter During free trial: Cancel before Day 91 (no charges) After subscription starts: Cancel anytime, no charge for next month Use cancellation in account settings, OR Email admin@coachmi.in Takes effect immediately You are NOT charged for next month NO refund for partial month already paid You can reactivate subscription anytime

4. SERVICE BOOKING PAYMENTS

4.1 Payment at Booking

When you book a coaching session, rental, or other service through CoachMi:

Payment Processing: Booking Confirmation: Charged immediately upon booking confirmation Razorpay processes the payment Digital invoice emailed to your registered email address You receive booking confirmation with service provider name, service date/time, location, amount charged, and transaction ID

4.2 Pricing Structure by Service Type

Academy Coaching Sessions: Personal Coaching Sessions: Rental Bookings (Courts/Facilities): Pricing set by the Academy Owner Varies by program, batch, and coach Variable pricing (CoachMi does NOT set price) Per-session charge at booking Single session: Rs. 500 Weekly plan: Rs. 1,000/week (2 sessions per week) Monthly plan: Rs. 4,000/month (8 sessions over 4 weeks) Pricing set by Academy Owner Variable (hourly, daily, or event-based) Payable upfront at booking

4.3 Personal Coaching - Direct Settlement to Coach

Payment Flow: 1. User pays CoachMi Rs. 500 (single) or Rs. 1,000 (weekly) or Rs. 4,000 (monthly) via Razorpay

2. CoachMi deducts transaction charge (2.5-3.5%)

3. Remaining amount instantly transferred to coach's account

4. Coach receives payment same day or next business day

CoachMi's Role: Example: Payment processor and intermediary only NOT liable if payment fails to reach coach NOT liable for coach's bank account issues NOT liable for delays in coach's bank processing User pays Rs. 500 for personal coaching Transaction charge (3%): Rs. 15 Amount transferred to coach: Rs. 485

4.4 Rental Bookings - Settlement to Academy Owner

Payment Flow: 1. User pays CoachMi (via Razorpay)

2. CoachMi deducts transaction charge (2.5-3.5%)

3. CoachMi deducts applicable GST (if Academy registered)

4. Remaining amount transferred to Academy Owner

Who Receives Payment: Academy Owner (facility operator/manager) NOT the individual coach or student

5. NUTRITION SERVICE PAYMENTS

5.1 Nutrition Service Tiers

CoachMi offers two tiers of nutrition services: Free Tier: Paid Tier: Meal logging and tracking (photo-based) AI-powered meal identification (plus or minus 15% accuracy margin) Automatic macronutrient calculation (protein, fat, carbs, fiber, etc.) Nutritional insights and suggestions NO cost - Completely free Everything in Free Tier, PLUS: Initial intake call (Zoom consultation with licensed nutritionist) Personalized meal plan (created by nutritionist based on health data and goals) Daily adherence tracking and monitoring Ongoing nutritional guidance and adjustments Cost: Rs. 2,000 (subject to change in future; your price is locked at purchase) Billing cycles: Monthly, Quarterly, Six-Monthly, or Annual

5.2 Nutrition Plan Pricing by Billing Cycle

Monthly: Rs. 2,000 (Rs. 2,000/month)

Quarterly (3 months): Rs. 6,000 (Rs. 2,000/month x 3)

Six-Monthly: Rs. 12,000 (Rs. 2,000/month x 6)

Annual (12 months): Rs. 24,000 (Rs. 2,000/month x 12)

Price Guarantee: Price is locked at the time of your purchase Your price does NOT increase during your plan duration Price may change for future customers; yours remains fixed

5.3 Upfront Payment Collection

Payment Timing: Payment Authorization: After Payment: 1. You complete health intake form (weight, allergies, medical history, etc.)

2. CoachMi forwards payment to assigned nutritionist

3. Nutritionist conducts intake call (Zoom) within 48-hour SLA

4. Nutritionist creates personalized meal plan

5. Plan approved and you begin daily tracking

Payment charged upfront (immediately) before nutritionist creates meal plan You pay full plan cost when you select your plan Razorpay processes payment immediately By purchasing, you authorize CoachMi to charge your payment method Full amount charged upfront (no installments available)

5.4 Plan Approval Timeline (48-Hour SLA)

Service Level Agreement: If Delayed Beyond 48 Hours: Nutritionist will conduct intake call within 48 hours of payment Meal plan will be created and approved within 48 hours of intake call You will be notified once plan is ready to begin tracking This does NOT entitle you to a refund CoachMi will attempt to expedite plan creation You can delay starting the plan, but payment is not refunded

6. REFUNDS & CANCELLATION POLICIES

6.1 General Refund Policy

Processing Time: Transaction Charges Deducted: All refunds (where applicable): 7 business days Calculated from the date refund is approved (not date of request) Returned to original payment method May take additional 3-7 days for bank processing Refunds include deduction of transaction charges (2.5-3.5%) Also deducted: GST (if applicable) Net refund = Original amount minus charges and GST

6.2 Academy Subscription - NO REFUND POLICY

Academy subscriptions are NON-REFUNDABLE: Cancellation Only Stops Future Charges: Once purchased, no refunds are issued No refund for early cancellation (forfeits unused time) No pro-rata refund (even if cancelled mid-cycle) Payment is final and non-refundable Cancelling stops charges for next billing cycle Does NOT refund current or past payments

6.3 Personal Coaching Sessions - NO USER CANCELLATION

CRITICAL - NO CANCELLATION POLICY:

Personal coaching sessions CANNOT be cancelled by users once booked and paid.

User Cancellation: No-Show Policy: Coach Cancellation: You cannot cancel your booking No exceptions for schedule conflicts, illness, or last-minute changes If you need to reschedule, contact the coach directly (outside CoachMi) Coach may cancel per their own policy; you cannot If you book and don't attend: NO refund The coach keeps full payment You forfeit the session fee entirely No credit or rescheduling available Coach CAN cancel sessions per their own cancellation policy If coach cancels, you are refunded (minus transaction charges) You receive 7-day refund processing

6.4 Academy Coaching Sessions - 2-Hour Cancellation Window

User Cancellation: If Cancellation Is Processed (2+ hours before): If Cancellation Not Processed (less than 2 hours): No-Show Policy: Coach Cancellation: Can cancel only if 2+ hours before session start time Cancellation within 2 hours is NOT processed Refund issued to original payment method Transaction charges (2.5-3.5%) deducted from refund Refund processing: 7 business days NO refund issued You forfeit payment Session fee kept by Academy Owner If you don't attend booked session: NO refund Academy Owner keeps full payment Academy owner/coach can cancel anytime per their policy User is refunded (minus transaction charges) if cancelled

6.5 Rental Bookings - Academy Owner Can Cancel

Academy Owner (Facility Manager) Cancellation: If Cancelled (2+ hours before): If Not Cancelled (less than 2 hours): User Cannot Cancel: Can cancel within 2 hours before booking time Refund issued to user Transaction charges (2.5-3.5%) deducted GST deducted (if Academy is GST-registered) Refund processing: 7 business days User gets NO refund Payment kept by Academy Owner Users cannot cancel rental bookings Can only contact Academy Owner to request cancellation Academy Owner must approve cancellation

6.6 Nutrition Service - NO CANCELLATION, NO REFUND POLICY

CRITICAL - COMPLETELY NON-REFUNDABLE & NON-CANCELLABLE:

Nutrition service plans are FINAL and NON-REFUNDABLE. NO cancellations or refunds for ANY reason.

NO Refunds For: NO Cancellations: Payment is Absolute: Change of mind before or after intake call Inability or unwillingness to follow the meal plan Dissatisfaction with meal plan or meals Lack of weight loss, muscle gain, or other desired outcomes Nutritionist unavailability or failure to conduct intake call Delayed plan approval (beyond 48 hours) Allergic reactions or health issues (if you didn't disclose) Any other reason whatsoever Once purchased, cannot cancel the plan Must complete the full duration (monthly/quarterly/annual) No opt-out or early termination Payment is final, non-refundable, non-cancellable By purchasing, you accept this policy completely No exceptions

7. DIGITAL INVOICES & PAYMENT RECORDS

7.1 Digital Invoice Issuance

For every payment (subscriptions, bookings, services), CoachMi issues a digital invoice sent to your registered email address.

Invoice Includes: CoachMi invoice number and date Your name and account details Service description (subscription, booking, etc.) Amount charged Transaction ID (Razorpay reference) GST details (if applicable) Payment method used (last 4 digits only for cards) CoachMi business details Receipt of payment confirmation

7.2 Invoice Format & Storage

Digital Invoice Format: Invoice Retention: Sent as PDF attachment in email Accessible in your account (Invoices section) Also available via request to admin@coachmi.in We store invoices for 7 years (tax compliance) You can download anytime from your account CoachMi recommends you download and save copies

7.3 Your Responsibility for Invoices

You must: Save and organize all invoices for tax purposes Provide invoices to your accountant/tax professional Maintain invoices for at least 7 years Report payments to your tax authority as required

7.4 Refund Invoices

When a refund is processed: A refund invoice is generated showing refund amount, transaction charges deducted, GST deductions, net refund amount, and refund date Sent to your email with refund confirmation

8. DISPUTES & PAYMENT ISSUES

8.1 Payment Disputes - How to Report

If you believe you were charged incorrectly: Step 1: Email admin@coachmi.in with your account name/ID, transaction ID, amount charged, reason for dispute, and proof

Step 2: CoachMi will acknowledge receipt within 3 business days, investigate the charge, and contact you with findings

Step 3: Resolution - Approved dispute: Refund processed; Denied dispute: Explanation provided; Timeline: 15 business days for resolution

8.2 Razorpay Disputes & Chargebacks

If you dispute a charge directly with your bank: Better approach: Your bank may issue a chargeback to Razorpay CoachMi and Razorpay will be notified We will respond to your bank's investigation Chargebacks may result in account suspension Contact CoachMi first (admin@coachmi.in) We can resolve faster than bank chargebacks Chargebacks have fees and may delay refunds

8.3 Failed Payments & Retry

If a payment fails (declined card, insufficient funds, etc.):

For subscription payments: Razorpay may automatically retry (varies by payment method) You will receive notification of failure Payment is NOT taken from your account if declined If billing charge fails, you'll receive notification Account may be suspended if payment not received Contact support to resolve payment method issues

8.4 Late Academy Subscription Payments

If your Academy Subscription payment is overdue: Days 1-7: Reminder notifications sent

Days 8-15: Second reminder; services may have reduced features

Days 16-30: Final notice; service access may be suspended

Days 31+: Account may be terminated; data access lost

To Restore Service: Pay the outstanding balance (with any late fees, if applicable) Services restored within 24 hours of payment No data is deleted during suspension period (unless terminated)

9. PRICE CHANGES & POLICY UPDATES

9.1 Subscription Price Increases

CoachMi may increase pricing with ADVANCE NOTICE: Your Rights: Minimum 30 days advance written notice required Notice sent via email, in-app notification, and SMS Notice includes new pricing, effective date, and cancellation options You can cancel before price increase takes effect No penalty for cancelling before increase Price increase only applies if you continue subscription

9.2 Service Booking Price Changes

Service providers (Academies, Coaches) may change their pricing:

Changes apply to new bookings immediately Existing recurring bookings may be affected on next billing cycle Users are notified of price changes Can cancel recurring plans before next charge if prices increase

9.3 Policy Updates

CoachMi may update Payment Policies anytime: Updated policies posted on Platform Effective immediately or with 30-day notice (for material changes) Your continued use = acceptance of updated policies Material changes receive advance notice

10. CONTACT & SUPPORT

10.1 Payment Questions & Support

For questions about payments, subscriptions, refunds, or billing:

Email: admin@coachmi.in

Subject: "Payment Question" or "Billing Support"

Include: Your account name/ID, transaction ID (from invoice if applicable), detailed description of issue, what resolution you are seeking

Response Time: Within 3-5 business days

10.2 In-App Support

Use the support feature in CoachMi app: Chat with support team Upload documents/screenshots Track ticket status Faster resolution than email

10.3 Phone Support

For urgent payment issues: Phone: 9702105269

(Email recommended for documentation)

10.4 Escalation for Unresolved Issues

If initial resolution unsatisfactory: Request escalation to Finance/Billing Manager Email admin@coachmi.in with "Escalation Request" Provide previous support ticket ID Should receive response within 7 business days ACKNOWLEDGMENT & ACCEPTANCE By using CoachMi and making payments, you acknowledge: 1. You have read and understood these Payment Policies 2. You accept all terms regarding subscriptions, bookings, and refunds 3. You understand non-refundable services (subscriptions, personal coaching, nutrition) 4. You agree to auto-pay authorization for subscriptions 5. You accept transaction charges and GST deductions

SUMMARY TABLE: CANCELLATION & REFUND POLICIES Academy Subscription: Cancel anytime, NO refund, stops future charges Personal Coach Sub: Cancel anytime, NO refund (free trial only) Academy Coaching: Cancel 2+ hours before, YES refund (7 days, charges deducted) Personal Coaching: NO cancellation, NO refund, final payment Rental Booking: Coach only 2+ hours before, YES refund (7 days, charges deducted) Nutrition Service: NO cancellation, NO refund, completely non-refundable Payment Failure: N/A, AUTO REFUND (7 days)