Blenavar Social Business Network

Refund and Payment Policy • Effective 20 July 2026

This Refund and Payment Policy ("Policy") explains how payments, refunds, and creator withdrawals work on the Blenavar Social Business Network ("BSBN", "Blenavar"), operated by GOA Community Services. This Policy forms part of, and should be read together with, the Blenavar Terms and Conditions.

1. Payment Methods

Blenavar accepts payment for paid features through the following methods:

● Cryptocurrency, processed via our third-party payment processor (NOWPayments), for supported paid features including Gifts, Advertisements, and Card Subscriptions.

● Nigerian Naira (NGN) bank transfer, submitted as a manual claim with proof of payment, for eligible features including Advertisement promotions and Card Subscriptions. Naira claims are reviewed and approved by a GOA Community Services administrator before the associated feature is activated.

Prices for all paid features are displayed in-app at the time of purchase. GOA Community Services reserves the right to change prices for any feature at any time; changes will not affect purchases already completed.

2. Gifts

Gifts are virtual items purchased by one user to send to another as a form of appreciation or support, funded via supported cryptocurrency payment only. Once a Gift has been successfully purchased and sent, it is final and non-refundable, except where:

● The payment was processed in error due to a verified technical fault on the Platform's part; or

● The transaction is reversed or flagged as fraudulent by our payment processor prior to the Gift being credited to the recipient.

Gift refund requests must be submitted via Support within seven (7) days of the transaction and will be reviewed on a case-by-case basis. A portion of each Gift's value converts to the recipient's earnings balance as described in the Creator Earnings section of the Terms and Conditions; once this conversion has occurred, the transaction can no longer be reversed.

3. Advertisements and Promotions

Advertisement posts and Card Subscriptions/Promotions are paid placements that run for a defined duration once approved and activated. Because these features consume advertising inventory and administrative review time from the moment of approval:

● Payments for an Advertisement or Promotion that has already gone live are non-refundable.

● If an Advertisement or Promotion is rejected during admin review and never goes live, the full amount paid will be refunded (for crypto payments) or the Naira claim will simply not be approved and no charge will be considered to have occurred (for bank transfer claims, since funds are only released to the advertiser's benefit upon approval).

● If a technical fault on the Platform's part prevents an approved Advertisement or Promotion from running for its full paid duration, GOA Community Services will, at its discretion, either extend the run time to make up the shortfall or issue a pro-rated refund for the undelivered portion.

4. Card Subscriptions

A Card Subscription grants enhanced visibility or features for a user's Business Card for a defined subscription period. Subscription payments are non-refundable once the subscription period has begun, except as provided in Section 3 above for technical faults. Subscriptions do not automatically renew unless the Platform explicitly states so at the time of purchase and you affirmatively opt in to auto-renewal.

5. Naira Claims — Manual Review Process

For features that accept Nigerian Naira bank transfers, the following process applies:

● You initiate the purchase in-app and are shown the bank account details to send payment to.

● You submit a claim confirming payment has been made, along with any proof of payment requested by the Platform.

● A GOA Community Services administrator reviews the claim against the actual bank account and approves or rejects it.

● If approved, the associated feature (Advertisement, Promotion, or Card Subscription) is activated.

● If rejected — for example because no matching payment can be found — the claim is declined and the feature is not activated. If you believe a rejection was made in error, contact Support with your payment proof for manual reconsideration.

Naira claim review is a manual process performed by GOA Community Services staff and may take longer than instant crypto payment confirmation. Estimated review timelines are communicated in-app.

6. Creator Earnings and Withdrawals

Eligible creators accumulate earnings in an in-Platform wallet balance, generated through Gifts received and other qualifying monetized activity as described in the Terms and Conditions. The following rules apply to withdrawals:

● Withdrawals may be requested once your wallet balance meets the minimum withdrawal threshold displayed in-app.

● You may withdraw via supported cryptocurrency (USDT/USDC) to a wallet address you provide, or via Nigerian bank transfer to an account name and number you provide.

● You are solely responsible for the accuracy of the payout details you submit. GOA Community Services is not liable for funds sent to an incorrect wallet address or bank account resulting from information you provided incorrectly.

● Withdrawal requests are reviewed by GOA Community Services administrators before payout, and may be declined or delayed if fraud, fake engagement, or a Terms violation is suspected in connection with the underlying earnings.

● Processing timelines for approved withdrawals are communicated in-app and may vary based on payment method and volume of pending requests.

Earnings found to have been generated in violation of the Terms and Conditions (including but not limited to fake engagement, self-gifting through alternate accounts, or coordinated inauthentic activity) may be withheld, reversed, or forfeited at GOA Community Services' discretion, whether identified before or after a withdrawal has been approved.

7. Chargebacks and Payment Disputes

If you believe you have been incorrectly charged, contact Support before initiating a chargeback or payment dispute with your bank or payment provider. Initiating a chargeback for a legitimately delivered paid feature (an Advertisement that ran, a Gift that was sent and received, an activated Subscription) may result in suspension of your account pending resolution of the dispute.

8. Currency and Exchange Rates

Where a paid feature's price is set in one currency (e.g. USD-denominated cryptocurrency pricing) and paid in another (e.g. NGN), the applicable exchange rate is the rate displayed in-app at the time of purchase or claim submission. GOA Community Services is not responsible for exchange rate fluctuations between the time a price is quoted and the time payment is completed, where that delay is caused by the user (for example, a delayed bank transfer).

9. Contact for Payment Issues

For any payment, refund, or withdrawal issue, contact GOA Community Services through the in-app Support channel, providing your account details and, where applicable, your transaction reference. We aim to respond to payment-related support requests as a priority given the time-sensitive nature of financial matters. Further contact details are published at goacommunityservices.com/blenavar-social-business-network.

10. Changes to This Policy

GOA Community Services may update this Policy from time to time. Material changes will be communicated via in-app notice prior to taking effect and will not apply retroactively to transactions already completed.

Blenavar Social Business Network — a product of GOA Community Services.

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