PAYMENT, SERVICE, CANCELLATION, REFUND AND WITHDRAWAL POLICY

Last updated: 8 August 2026

This policy explains the general rules for ordering and paying for Mo-Way services, service delivery, client responsibilities, cancellations, refunds and statutory withdrawal rights. It applies to all paid services purchased from Mo-Way, unless a service page or service-specific policy provides additional operational terms.

Full legal provider details are available in the Impressum:

https://mo-way.com/impressum

1. SCOPE AND ORDER OF TERMS

This policy applies to paid Mo-Way services ordered through the website or another payment channel expressly authorised by Mo-Way. Depending on what is actively offered at the time of purchase, services may include:

• consultations, appointments and other live online services;

• personalised educational, admissions, research, career or document-support services;

• managed applications or longer-term support services;

• courses, workshops, group programmes or subscriptions; and

• digital content, recordings, templates or other online materials.

The purchased service description determines the exact scope, price, duration, deliverables, access period, preparation requirements and delivery method. A service-specific policy may add rules that are relevant only to that service.

If documents address different matters, they apply together. If they directly conflict, mandatory law prevails, followed by this general policy for payment, refunds and statutory withdrawal, and the service-specific policy for operational details of the purchased service.

A consumer is a natural person who enters the contract mainly for purposes outside their trade, business or profession. Statutory consumer withdrawal rules do not normally apply to a customer acting wholly for business or professional purposes.

Nothing in this policy excludes or restricts a mandatory consumer right.

2. OUR COMMITMENT AND THE NATURE OF THE SERVICE

Mo-Way commits to providing the components expressly included in the purchased service description with reasonable professional care.

Many Mo-Way services require personalised preparation and reserved capacity. Once an order is confirmed, Mo-Way may reserve appointment time, review information, prepare research or decline other work in order to serve that client.

Mo-Way promises the described work—not a decision or result controlled by another person or organisation. Unless an active service page expressly provides a separate written guarantee, Mo-Way does not guarantee:

• university admission, scholarship or funding;

• a visa, immigration or residence decision;

• professional recognition, licensing or registration;

• employment, an interview, salary or career outcome;

• a particular test score, grade, publication or academic result; or

• a decision made by a university, employer, embassy, authority, examination body or other third party.

Advice and planning are based on the information supplied by the client and on rules and market information reasonably available at the time. Requirements and external decisions may change.

3. PRICES, ADVANCE PAYMENT AND ORDER STATUS

• The total price, currency and available payment methods are shown before the order is placed.

• Unless the purchased service expressly states otherwise, full payment is required in advance before Mo-Way begins the service or confirms the appointment.

• Use only the website checkout or another payment method expressly supplied or approved by Mo-Way for the relevant order. Do not transfer money to account details obtained from comments, unofficial messages or another customer.

• An automated order acknowledgement confirms that the order was received. It does not necessarily mean that payment has cleared, a manual transfer has been verified or the service is ready to begin.

• Card or electronic payments are confirmed after the payment provider reports a successful payment and Mo-Way issues the applicable confirmation.

• A manual-payment order remains Awaiting payment until Mo-Way matches the complete received amount to the correct order. Uploading a receipt or seeing a debit in the payer’s account is not, by itself, Mo-Way’s confirmation that payment was received.

• The service or appointment becomes confirmed when the applicable payment and booking confirmation has been issued. Additional intake or document requirements may still need to be completed before delivery.

If a price or payment status appears incorrect, do not make a second payment. Contact info@mo-way.com with the order number.

4. PAYMENT METHODS, CURRENCIES, INSTALMENTS AND FEES

PAYMENT METHODS

Only methods made available for the order may be used. Availability may depend on the customer’s location, currency, payment provider and the service purchased.

MULTI-CURRENCY AND CONVERSION

The service price may be displayed in euros or another currency supported by the checkout. A bank or payment provider may perform its own conversion and may apply a rate or fee outside Mo-Way’s control.

Where Mo-Way offers a fixed local-currency payment amount, that amount and its validity date are stated for the specific order. It is a customer-payment amount for that order and does not replace any exchange rate required for accounting or tax records.

INSTALMENTS

If an independent payment provider offers instalments, the financing arrangement is between the customer and that provider. It does not reduce the amount due to Mo-Way or change the scope of the purchased service. Mo-Way begins delivery only after the required payment has been received or confirmed under the applicable provider arrangement.

TRANSACTION FEES

The customer is responsible for fees charged independently by their bank, wallet or payment provider where those fees are disclosed or arise from the customer’s chosen method. The complete amount stated in Mo-Way’s verified payment instructions must reach the designated payment destination. Mo-Way does not add an undisclosed payment surcharge after checkout.

ADDITIONAL AND THIRD-PARTY COSTS

Only items expressly included in the service description are included in the service price. Additional meetings, corrections, applications, translations, certifications, courier services, examination fees, institutional application fees, visa fees or other third-party costs are not included unless the purchased description expressly says otherwise. Any material extra Mo-Way work requires a separate agreement or purchase.

5. EGYPT LOCAL MANUAL PAYMENT

Where offered, local manual payment is available only to customers paying locally from within Egypt for an order already created through the Mo-Way website.

• The customer must use the order number, verified EUR order total, fixed EGP amount and validity date supplied for that order.

• Payment destinations for InstaPay, Vodafone Cash or local bank transfer are provided privately after Mo-Way matches the customer’s email and order number to the website order.

• The customer must use only the destination supplied in the verified Mo-Way payment-details email or authorised Mo-Way support conversation.

• A customer should not transfer money before receiving the verified amount and selected payment-method details.

• The complete EGP amount must arrive by the stated validity date. If the amount or date has expired, the customer must request updated instructions before paying.

• After payment, the customer must submit a clear receipt through the secure payment-confirmation page. The receipt should show the paid amount, transaction date and transaction reference.

• A receipt submission confirms only that evidence was received. Mo-Way confirms payment separately after checking the receiving account and updating the matching order.

Mo-Way never requests a password, one-time password (OTP), card PIN, full card details or online-banking login. Do not upload a bank statement when a transaction receipt is sufficient.

6. PAYMENT DATA, RECEIPTS AND PRIVACY

Card and wallet providers process payment information under their own systems and privacy terms. Mo-Way does not need the customer’s card PIN, OTP or online-banking credentials.

Mo-Way may process the information reasonably required to administer and verify a payment, including the customer name, order reference, contact details, selected method, amount, transaction date, transaction reference and payment receipt.

Payment evidence is used for order matching, fraud prevention, customer support, refunds, bookkeeping and compliance with legal retention obligations. Access is limited to people and service providers who require it for those purposes.

Customers should redact unrelated balances or transactions before submitting evidence whenever a normal transaction receipt is unavailable. Do not send unnecessary identity documents, complete bank statements or sensitive credentials.

Further information about personal-data handling and data-subject rights is available in the Privacy Policy:

https://mo-way.com/privacy-policy

7. CLIENT RESPONSIBILITIES AND COOPERATION

The client is responsible for:

• providing complete, accurate and current information;

• submitting readable and relevant documents within the stated timeframe;

• disclosing information that may materially affect the requested service;

• checking final requirements and deadlines with the responsible institution or authority;

• responding to reasonable requests for information, approval or feedback;

• attending scheduled sessions and using the confirmed contact details;

• keeping login links, recordings and personal materials secure; and

• making and implementing the final personal, academic, professional or financial decision.

Mo-Way may pause work, request corrections or move a delivery date where necessary information, documents, approvals or access are missing. A client-caused delay does not automatically cancel the order or create a refund right. If the requested goal, destination, institution, deadline or deliverable materially changes, Mo-Way may propose a revised scope, price or delivery time before performing additional work.

False, misleading, unlawful or incomplete information may prevent Mo-Way from delivering the service and may require suspension or termination. Any payment consequence will be assessed according to mandatory law, work already completed, the purchased scope and costs saved.

8. SERVICE DELIVERY, ACCESS AND ACCEPTABLE USE

Mo-Way delivers each service through the channel and within the timeframe stated in the service description, booking confirmation or subsequent written agreement.

Where a service includes digital materials, recordings, templates, course access or a client portal:

• access is personal to the registered client and may not be sold, transferred or shared unless the service expressly permits it;

• login credentials and private access links must not be shared;

• Mo-Way materials may not be republished, resold, uploaded publicly or used to create a competing product without written permission;

• any download, recording, quotation or reuse right is the right expressly stated for that material; and

• technical access restrictions must not be bypassed.

A service-specific course or subscription page may state the required account, access period, permitted downloads, live-session rules and renewal or cancellation method. Those specific rules apply only to that purchased service.

Mo-Way may suspend access where reasonably necessary to investigate misuse, protect client data or stop unauthorised sharing. Before permanently ending a paid service for breach, Mo-Way will consider the seriousness of the breach, any available remedy, work already delivered and mandatory consumer rights.

9. STATUTORY RIGHT OF WITHDRAWAL FOR CONSUMERS

RIGHT OF WITHDRAWAL

If you are a consumer and conclude an eligible contract online, you generally have the right to withdraw from it within 14 days without giving a reason.

For a service contract, the withdrawal period generally begins on the day the contract is concluded. It does not begin before the legally required withdrawal information has been provided. Different rules or exceptions may apply to digital content or another contract type; where relevant, the applicable information will be provided before purchase or performance begins.

To exercise the right of withdrawal, send Mo-Way an unequivocal statement of your decision before the deadline. You may use the model form in section 10, but using it is not compulsory.

Send the notice to:

Esraa Monir Mohamed / Mo-Way

Siegfriedstr. 189

10365 Berlin

Germany

Email: info@mo-way.com

Please include the booking or order name, checkout email address and order number so the request can be matched quickly.

EFFECTS OF WITHDRAWAL

If you withdraw validly, Mo-Way will reimburse payments received for the withdrawn contract without undue delay and no later than 14 days after receiving the withdrawal notice. Reimbursement will normally use the original payment method unless another method is expressly agreed. Mo-Way will not charge a reimbursement fee, although an independent bank or payment provider may apply its own conversion or transaction handling.

If you expressly requested performance to begin during the withdrawal period and later withdraw before full performance, you may be required to pay a proportionate amount for the service supplied up to the time of withdrawal, provided the legal requirements for that payment have been met. The reimbursement may therefore be reduced by the lawful value of work already performed.

EARLY PERFORMANCE WITHIN 14 DAYS

An appointment within 14 days of purchase—or document review, research or preparation beginning during that period—does not by itself remove the statutory withdrawal right.

Before beginning early, Mo-Way will ask you separately and expressly to request performance before the withdrawal period ends. You will also be asked to acknowledge that:

• you may have to pay a proportionate amount for work performed up to a valid withdrawal; and

• your statutory withdrawal right expires once Mo-Way has fully performed the paid service, provided all legal requirements have been met.

The early-performance request is separate from ordinary acceptance of terms. Without it, Mo-Way will not begin the affected service before the withdrawal period expires, which may require a later appointment or delivery date.

For a paid service, the withdrawal right does not expire merely because payment was made, an appointment was reserved or preparation began. It may expire after every promised component has been fully performed if the legally required express consent and acknowledgement were obtained beforehand. If a service includes later written notes or another follow-up deliverable, full performance occurs only after those components have also been supplied.

DIGITAL CONTENT

Different rules may apply where the contract is for paid digital content supplied immediately without a physical medium. Where Mo-Way offers such content, the required information, express consent and acknowledgement will be presented before immediate access begins.

10. MODEL WITHDRAWAL FORM

Complete and return this form only if you wish to withdraw from the contract. You may instead send any other clear withdrawal statement.

To:

Esraa Monir Mohamed / Mo-Way

Siegfriedstr. 189

10365 Berlin

Germany

Email: info@mo-way.com

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service:

[Name of service]

Ordered on (*) / received on (*):

[Date]

Order or booking number:

[Reference]

Name of consumer(s):

[Full name]

Address of consumer(s):

[Address]

Signature of consumer(s), only if this form is sent on paper:

[Signature]

Date:

[Date]

(*) Delete as appropriate.

11. VOLUNTARY CANCELLATION, REFUNDS AND SERVICE CHANGES

This section is separate from the statutory right of withdrawal above.

Any additional voluntary cancellation, refund, rescheduling, transfer or satisfaction option is the option expressly stated in the purchased service description or its service-specific policy. A voluntary request does not automatically create a refund right. Mandatory statutory rights remain unaffected.

Send cancellation, refund or change requests to info@mo-way.com with the client name, checkout email, order number, service name and a clear description of the request. Do not send card, wallet or banking credentials.

APPOINTMENTS AND LIVE SERVICES

• The applicable service page may allow one client-requested rescheduling when requested at least 48 hours before the confirmed appointment.

• A request made less than 48 hours before the appointment is a late cancellation. A replacement or refund is not automatic because preparation may already have been completed and the time was reserved for the client.

• Failure to attend without notice is a no-show. Any amount retained will reflect work already performed and reasonable loss connected with the reserved appointment, less expenses saved. The customer may show that the actual loss was lower or did not arise.

• Late arrival does not normally extend the confirmed end time.

PERSONALISED, PROJECT-BASED AND MANAGED SERVICES

• If the customer requests cancellation or a reduction after work has begun, any voluntary reimbursement will be assessed using the purchased scope, work already completed, delivered components, reserved capacity and costs saved because of the cancellation.

• A material change of goal, destination, institution, deadline or deliverable may require a revised scope, price or delivery date.

• Customer delay may pause or move the timetable but does not automatically cancel the order.

COURSES, PROGRAMMES, SUBSCRIPTIONS AND DIGITAL CONTENT

• The applicable service page states the start date, access period, included sessions or materials, renewal rules and any service-specific cancellation option.

• Missing a live class, workshop or group session does not automatically create a refund or extend access unless the purchased service expressly provides otherwise.

• Where a recurring service is offered, cancellation affects future renewal in accordance with the method and notice period shown before purchase. Amounts already due and services already supplied remain unaffected, subject to mandatory rights.

• For paid digital content supplied immediately, the statutory withdrawal consequences depend on the information, express consent and acknowledgement obtained before access begins.

REFUND METHOD AND VERIFICATION

Approved refunds are normally returned through the original payment method. For a verified manual transfer, Mo-Way may request reasonable evidence needed to return the money safely to the payer or another legally authorised destination. Provider processing times and lawful currency conversion may affect when the refunded amount appears.

12. UNIVERSITY ADMISSIONS SUCCESS GUARANTEE AND ULTIMATE VISA SUPPORT COMMITMENT

This section applies only when the active service page and order confirmation state that the purchased package is University Admissions Concierge or University Admissions Ultimate and includes the relevant commitment below. These commercial commitments are additional to, and do not limit, mandatory consumer rights.

ADMISSION SUCCESS GUARANTEE — CONCIERGE AND ULTIMATE

The Admission Success Guarantee covers three university applications that are agreed with and approved by Mo-Way in writing as realistic for the client’s disclosed academic profile, qualifications, language level, budget, destination and intended intake.

• For Concierge, the client may suggest the three universities or use Mo-Way’s recommendations. Every programme and university must still be approved by Mo-Way before submission to remain covered.

• For Ultimate, Mo-Way selects three realistic programmes and universities based on the approved profile and confirms the selection with the client before submission.

• A successful admission means a formal conditional or unconditional admission offer from one of the three covered applications. If an offer is conditional, meeting its later academic, language, financial, document or enrolment conditions remains the client’s responsibility.

• The guarantee is assessed only after all three covered applications have received final decisions. A withdrawn, abandoned, incomplete or unauthorised replacement application is not a final rejection under the guarantee.

If all three covered applications receive final rejections despite the client satisfying every condition below, the client chooses one of these two remedies:

1. 100% refund of the Mo-Way professional service fee paid for the admissions package; or

2. one full repeat of the same admissions service in the next application cycle without an additional Mo-Way service fee.

University application fees, test fees, translation, certification, courier, visa, authority, accommodation and other third-party costs are not included in the guarantee refund and remain payable by the client. If the client chooses the free repeat, third-party costs for the new cycle also remain payable by the client.

To remain covered, the client must:

• provide complete, accurate, current and truthful information and readable authentic documents;

• disclose academic history, gaps, previous applications, refusals, disciplinary matters and any circumstance that may materially affect eligibility or assessment;

• meet the entry, subject, grade, language, financial and document requirements stated for the three agreed applications;

• supply documents, approvals, payments and responses by the written deadlines;

• follow the agreed application strategy and review the factual accuracy of final documents;

• pay excluded institutional and third-party fees on time; and

• not withdraw an application, contact an institution in a way that changes the agreed application, replace a programme or institution, change the intake or destination, or make an unauthorised submission change without Mo-Way’s written agreement.

The guarantee does not apply to an affected application where the client fails one of these conditions, supplies false or incomplete information, does not satisfy an offer condition, declines a suitable offer, misses a deadline, fails to pay an external fee, withdraws the application, or changes the agreed strategy without written approval. A change in law, admissions rules or programme availability that makes an agreed application impossible will be addressed reasonably with the client; it does not allow Mo-Way to substitute an unsuitable application without agreement.

After the third final rejection, send the order number and the three official final decisions to info@mo-way.com. Mo-Way will verify the application record and confirm the selected remedy in writing. The client is not required to prove work or submissions that were under Mo-Way’s control.

ULTIMATE VISA SUPPORT COMMITMENT

Only the responsible embassy, consulate or authority can approve or refuse a visa. Mo-Way does not guarantee the authority’s decision. University Admissions Ultimate instead guarantees the visa-preparation and support work described in the package for the agreed admission and visa route.

After a covered admission, Ultimate includes preparation and review of the agreed visa file, guidance for the first submission, interview preparation where relevant and follow-up through the first decision. If that visa application is refused despite the client providing complete and truthful information, meeting the stated eligibility and financial requirements, submitting the required documents on time, attending required appointments and following the agreed guidance, Mo-Way will review the official refusal and provide support for one eligible resubmission or one available administrative follow-up, where legally and procedurally available, without an additional Mo-Way service fee.

Official visa, authority, translation, certification, courier, travel and other third-party costs remain payable by the client. The commitment does not apply where refusal or inability to proceed results from false, incomplete or withheld information; failure to meet eligibility or financial requirements; a missed deadline, appointment, biometric step or interview; an unauthorised change; unlawful conduct; a material change of destination or route; or a follow-up that is not legally or procedurally available. If Mo-Way’s own promised work is defective, incomplete or not performed, section 13 applies in addition to mandatory rights.

Accommodation-search guidance does not guarantee that a particular property, price, location or booking will be available.

13. IF MO-WAY CHANGES, DELAYS OR DOES NOT DELIVER A SERVICE

If Mo-Way must move an appointment or delivery date, the customer will be offered a suitable alternative without an additional change fee.

If Mo-Way cannot provide a purchased service, the customer will receive an agreed replacement or reimbursement of the undelivered amount.

If a promised component is missing or the service is not delivered as agreed, contact info@mo-way.com with the order reference, service name and a clear description of the issue. Helpful supporting evidence may be included, but unnecessary sensitive information should not be sent.

Mo-Way will review the request and respond in writing within a reasonable period. Depending on the issue, the appropriate solution may be:

• completing the missing component;

• correcting or repeating the affected work;

• agreeing a suitable alternative; or

• reimbursing the affected or undelivered amount.

General dissatisfaction, a changed preference or an unfavourable decision by a third party does not by itself mean that Mo-Way failed to deliver the purchased service. This does not limit remedies that exist when a service is defective, incomplete or not performed.

Mandatory remedies and statutory limitation periods remain unaffected. This policy does not impose a 24-hour forfeiture deadline for reporting a missing or defective service.

14. COMMUNICATION, PAYMENT DISPUTES AND RECORDS

Questions about an order, payment, cancellation or refund should be sent to info@mo-way.com. Include the order reference so the matter can be investigated efficiently.

If a payment appears duplicated, unauthorised or incorrectly matched, contact Mo-Way and the relevant payment provider promptly. Nothing in this policy removes a legal right to contact a bank, payment provider, consumer authority or court.

Mo-Way may retain order, payment, service and refund records for the periods required by tax, accounting, fraud-prevention and other applicable laws. Personal data is handled according to the Privacy Policy.

15. POLICY CHANGES AND MANDATORY RIGHTS

The version made available for the order applies to that purchase, together with any service-specific terms accepted for it. Mo-Way may update this public policy for future orders when services, payment methods or legal requirements change. An update does not remove rights already acquired under a confirmed order.

If part of this policy is ineffective or cannot be applied, the remaining provisions continue to apply to the extent permitted by law. The applicable statutory rule replaces an ineffective clause.

Nothing in this policy excludes or restricts a mandatory consumer right.

Privacy Policy:

https://mo-way.com/privacy-policy

Impressum:

https://mo-way.com/impressum

Contact:

info@mo-way.com