Refund & Payment Policy

This document explains CircleRAM's policies for CircleRAM Product Plans (which we sometimes refer to in this policy as "services"). More specifically, this policy describes when CircleRAM will issue a refund for services, as well as the process for requesting a refund. It's a bit detailed, but we want to be transparent and fair on all billing matters. Account Management

You can access and manage your CircleRAM billing account at any time by visiting www.CircleRAM.com

Sign in to:

• View or update your payment method (Note: Only one payment method is supported per CircleRAM account)
• Create a new CircleRAM account
• View your balance
• Pay any outstanding balance
• View your billing and invoice history (Invoices must be accessed via CircleRAM.com)
• Manage your services

Free Trial - Product Plans

The first 30 days after you launch your new CircleRAM Network are absolutely free and you may cancel at any time here. After 30 days, your account will begin being charged for the annual or monthly subscription plan you've chosen. When you select the annual subscription, you pay for one year (12 months of service) at a discounted fee, which is less than the equivalent of 10 months of service if you purchased on a monthly basis.

Billing

We offer monthly and annual subscriptions for certain services. You're automatically charged as appropriate; once a month if you selected a monthly subscription and once a year if you selected an annual subscription. You can update your billing information, change your subscription from monthly to annual billing or contact us to cancel your subscription at any time. For those services that are subject to a one-time (or non-recurring) fee, you'll be charged this fee at the time you order these services.

Overdue Payment

If a charge to the payment method on your CircleRAM account is declined, we may make additional attempts to process the payment. If payment continues to fail, we may display a Billing Issue message when you sign in to www.CircleRAM.com, and we may attempt to notify you by email. To ensure payment is successfully processed, we recommend you take the following steps:

• Make sure your credit card or PayPal information on file with CircleRAM is up to date.
• Contact your bank or credit card provider to approve payments to in-school.com inc (Holding Company).

In addition, we offer you the ability to make an instant payment. Go to www.CircleRAM.com sign in and click the "Make Payment" button.

** If payment continues to fail, please email us at support@circleram.com

CircleRAM also reserves the right to purge content and data from CircleRAM tools if your balance is overdue and/or to accelerate any of the foregoing dates if a CircleRAM account Creator has never paid any amounts to CircleRAM.

Plan and Billing Frequency Changes- You can view your services at any time by signing in your account. Our billing policy for subscription plan changes depends on whether you are upgrading or downgrading your plan: Upgrade - If you upgrade your plan, we'll prorate your fee. You'll pay the old fee up through the date of the upgrade and the new fee thereafter. This upgrade policy applies whether you've chosen a monthly or annual subscription plan.

Downgrade - You can downgrade your plan any time during the free trial period. After the trial period, any plan downgrades will take effect when your next billing cycle begins.As an example, you chose the CircleRAM tool, which is $89 per month, on July 1. On October 15 - which is outside the trial period - you decided to downgrade to CircleRAM Plan 2, which is $30 per month. Your October fee will still be $89. Your November (and future months') fee will be $30. This downgrade policy applies whether you've chosen a monthly or annual subscription plan.

You can also change your billing frequency for your plan(s) at any time. Here's how changing it will affect you: Monthly to Annual - If you go from monthly to annual, we like that! We'll credit you for the unused portion of your current invoice, and then you'll be charged for the discounted annual subscription fee.

Annual to Monthly - If you're going from annual to monthly and you're within the 30-day trial period (i.e., you haven't made any payment yet), we'll change our billing frequency and bill you as if you've always been on a monthly subscription. If you're going from annual to monthly and it's past our 30-day trial period (i.e., you've already made an annual payment), we won't be able to refund any portion of the annual subscription fee. The monthly fee will kick in when your next billing cycle begins, after your year has completed.

Payment Cancellations

If you cancel your services, your cancellation takes effect on your next billing cycle. This means we won't be able to refund you for any unused portion of your services. For example, you chose a monthly subscription of CircleRAM tool on July 1. On December 1, your credit card is charged for $89 as usual. On December 12, you decided to cancel your CircleRAM Network. No further charges will be made to your credit card, but you will not receive a refund for the period of December 13 through December 31. This cancellation policy applies whether you've chosen a monthly or annual subscription plan.

Refunds

Items eligible for a refund will be issued to the method of original payment.

Timing

It may take up to a few days for CircleRAM to process your cancellation or plan change, but all cancellations and changes will be effective as of the date that CircleRAM receives your change request.

Policy Changes

CircleRAM may periodically amend this policy for any reason. Please review this policy periodically.

Contact

If you have any billing questions or suggestions about this policy, feel free to email us at support@circleram.com