CONSUMER PROTECTION, COMPLAINTS REDRESS AND REFUND POLICY

1. INTRODUCTION

UNIGOX NETWORK CORP. ("UNIGOX" or the "Company"), incorporated in British Columbia, Canada (302-540 Lawrence Avenue, Kelowna, BC V1Y 6L7), is registered with FINTRAC as a Money Services Business (No. C100001069) and with the Bank of Canada as a Payment Service Provider under the Retail Payment Activities Act. UNIGOX provides cross-border payment infrastructure, virtual currency exchange services, and related payment solutions to individual users and institutional partners.

This policy sets out the rights of customers and business partners who use UNIGOX services, the process for raising and resolving complaints, and the conditions under which refunds may be requested. The Company is committed to fair, transparent, and timely resolution of all issues raised by customers.

2. CONSUMER RIGHTS AND PROTECTIONS

UNIGOX is committed to treating all customers fairly and upholds the following consumer protection standards.

2.1 Transparency. All fees, exchange rates, and transaction costs are disclosed before any transaction is confirmed. The Terms of Service and Privacy Policy are publicly available at unigox.com/terms-of-service and unigox.com/privacy-policy. Customers are informed of any material changes to service terms at least 30 days in advance.

2.2 Fair Treatment. UNIGOX does not discriminate against customers on the basis of nationality, gender, religion, or other protected characteristics, subject to applicable regulatory obligations. Customers are provided with accurate information about the products and services offered. The Company does not engage in aggressive or misleading marketing practices.

2.3 Data Protection. Customer data is collected, processed, and stored in accordance with the Company's Privacy Policy and applicable Canadian law, including the Personal Information Protection and Electronic Documents Act (PIPEDA). Customer data is not sold to third parties. It is shared only with the service providers required to deliver the service, such as licensed payment partners and identity verification providers, under data processing agreements and only to the extent necessary. Customers may request access to or deletion of their personal data by contacting support@unigox.com or via the live chat at unigox.com.

2.4 AML and Fraud Protections. UNIGOX applies identity verification and AML screening measures to protect customers from fraud and illicit activity. Transactions involving sanctioned parties or prohibited jurisdictions are blocked automatically. Customers are protected against unauthorized account access through security controls and monitoring procedures.

3. COMPLAINTS REDRESS PROCESS

UNIGOX takes all customer complaints seriously. The following process applies to all complaints received from individual customers and institutional partners.

3.1 How to Submit a Complaint. Complaints may be submitted by email at support@unigox.com or via the live chat support function at unigox.com. Please include: your full name and contact information; a description of the issue and the date it occurred; any relevant transaction IDs or supporting documents; and the outcome you are seeking.

3.2 Complaint Handling Timelines. Complaints are handled according to the following timelines:

•Acknowledgment: within 2 business days of receipt.

•Investigation and response: within 10 business days.

•Complex cases: up to 30 business days, with written notification to the customer by day 10.

3.3 Escalation. If a complaint is not resolved to your satisfaction within the timelines above, you may escalate the matter to the Company's Compliance Manager at bogdan@unigox.com. If the matter remains unresolved after escalation, customers may contact the applicable provincial or territorial consumer protection authority in their jurisdiction.

4. REFUND POLICY

UNIGOX processes refund requests in accordance with the nature of the transaction and applicable regulations.

4.1 Crypto Transactions. Blockchain transactions are irreversible by their nature. Once a transaction has been confirmed on-chain, it cannot be reversed. UNIGOX is not liable for losses arising from user error, incorrect wallet addresses, or third-party failures after a transaction has been confirmed. Refunds for crypto transactions may be considered where a technical error on the UNIGOX platform caused the transaction to fail or to be processed incorrectly, or where a duplicate charge occurred due to a platform error.

4.2 Fiat Transactions. For fiat payment transactions processed through UNIGOX infrastructure, refunds may be issued where the payment was not delivered to the intended recipient due to a platform error, where the transaction was cancelled before processing was complete, or where a duplicate payment was made due to a system error.

4.3 How to Request a Refund. To request a refund, contact support@unigox.com or use the live chat at unigox.com within 30 days of the transaction date. Include your full name and account information, the transaction ID and date, the amount involved, and the reason for the request. Approved fiat refunds are processed within 5 to 10 business days and returned to the original payment source where technically possible.

4.4 Non-Refundable Items. The following are not eligible for refunds: service fees for completed and successfully delivered transactions; exchange rate differences arising from market movement; and transactions involving accounts that have been suspended or terminated for policy violations.

5. FEE AND COMMISSION CHANGES

UNIGOX will provide at least 30 days' notice before any change to service fees or commissions takes effect. Notice will be given by email to the address on file, by in-product notification, and on the UNIGOX website. Changes may take effect immediately where required by law or regulation, or where necessary for security, fraud prevention, or compliance. Exchange rates are not subject to this notice requirement, as they reflect real-time market conditions and are displayed to customers before each transaction is confirmed.

6. REGULATORY FRAMEWORK

This policy is consistent with the obligations of UNIGOX NETWORK CORP. as a FINTRAC-registered Money Services Business under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), and as a Payment Service Provider registered with the Bank of Canada under the Retail Payment Activities Act (RPAA). UNIGOX cooperates fully with FINTRAC, the Bank of Canada and other applicable Canadian regulatory authorities.

7. POLICY REVIEW

This policy is reviewed annually by the Director and the Chief Compliance Officer. Significant regulatory changes may trigger an interim review. The current version is available to customers and business partners on request. For questions about this policy, contact support@unigox.com or use the live chat at unigox.com.