Payment and Refund Policy

Arabic version controls. If this English text and the Arabic text disagree, the Arabic text wins.

Company: Hessity for Information Technology (Arabic: حصتي لتكنولوجيا المعلومات) Commercial register: 301420 · Tax ID: 769-507-107 Effective date: 18 August 2026 Contact: legal@hessity.com

This policy governs teaching fees a family pays to the workspace that owns the class, and how payment, refund, withdrawal, and online-collection disputes are recorded in Hessity. Use of Hessity is also governed by the Terms of Use and the Privacy Policy.

This policy does not govern the workspace’s Hessity subscription. Those matters are in the Terms of Use.

Hessity is not the teaching provider, and Hessity is not entitled to the teaching fees the family pays for the teaching service.

If your workspace owns the class, you set the prices. The family pays you. Amounts are due to the workspace that owns the class, not to Hessity, and Hessity is not entitled to the teaching fees the family pays for the teaching service. Students and parents do not pay Hessity a subscription.

A dispute about a lesson, attendance, or fee is with the provider, not a claim that Hessity taught the class.

Where Consumer Protection Law No. 181 of 2018 applies, its mandatory rights are not limited.

A teaching charge (session or month) is settled in the product in one of two ways:

- Cash at the location: staff record it against the student in the cash box. Hessity does not hold the notes; - from the balance shown in the product (which may be labelled Hessity Wallet): the family pays the charge from that balance in the app after it is loaded.

Loading the balance — not paying the charge itself — is done as the product allows:

- cash recorded by staff; - a transfer via InstaPay or another bank-transfer method the product enables: the user completes the transfer on the external channel, then submits the details Hessity needs to match it. The balance is added in Hessity only after matching is confirmed; - cards or Apple Pay through a third-party checkout. The provider’s fee on the top-up, if any, is shown in the product at top-up.

What actually happens to the money follows your contract with the payment provider and the live collection setup. Online payment may show Hessity as collector; that does not make Hessity the teaching provider and does not make Hessity owed the student’s fee.

Hessity does not add a share of student payments as Hessity’s price. Any provider fee on an online top-up is shown in the product when you top up.

Hessity Wallet is a product feature that shows the user an available balance and, as enabled, lets them load it, use it to pay teaching fees, reserve amounts on classes, and request a withdrawal or settlement of an eligible balance. Actual money movement for loading, transfer, and settlement runs through the channels and payment providers in use, under the live operating setup and their terms.

The name “Hessity Wallet” is not, by itself, a legal description of the type of account or financial service, and does not mean Hessity is a bank or a banking institution. The legal characterisation of the actual money movements is a matter of law, regulation, and the applicable payment-provider terms.

A student or parent may reserve balance for a specific class; each can see who put what in. When the student is no longer enrolled in that class, leftover reserved money on it is released; it is not kept silently.

A request to pay out an eligible balance is a request by the balance holder. The amount asked, plus any flat fee shown in the product when you request, is reserved on the displayed balance until the request is closed; the transfer is then fulfilled off the automatic path on the channel in use. It is not an instant bank order on a click inside Hessity. A workspace does not import its bank statement into Hessity.

A class is priced per session, monthly, or both, as the class is set. There is no one-off student fee for a whole course. When both are on and the month is paid, that covers attendance for that month; otherwise the session fee applies. The product does not pile a monthly charge on top of an unpaid session bill at the same time.

Monthly charges follow the workspace calendar (billing day 1–28; if unset, the 1st). On a month-only class, attendance is not blocked before that day of the month; after that day the month must be paid unless another cover the product allows is in place.

If a class has a price, the product may restrict marking attendance or completing some class-related actions until the required fees are covered under that class’s setup: a paid charge, enough reserved balance on that class consumed when attendance is marked, or a month-only class whose billing day has not yet arrived. Staff may, within what the product allows, record attendance for one unpaid session; that is not an ongoing right to attend without paying.

The product does not let the family start a refund of a completed teaching fee directly while the student remains enrolled. The settlement path tied to ending enrollment is as set out in this section, without limiting what the law requires. In the product, the workspace that owns the class (or someone it authorised) disburses the refund, subject to permissions. A refund is a new record. The original payment is not edited or deleted.

When a student is taken off a group, the product shows an operational settlement: amounts recorded as still owed and amounts eligible for refund under the class records and settings, subject to the law, the teaching provider’s policy, and the payment provider’s rules as they apply. Unpaid session fees already raised remain on the record as payable. A pending monthly fee may be reduced to what was actually used. Prepaid sessions they will not attend, and the unused part of a paid month, may appear as amounts eligible to return. What is shown as due back is frozen, then staff disburse it on the refund path. Deleting a group follows the same honesty after a preview of what is shown, then settlement.

The fourteen-day window in section 8 does not apply to refunds of teaching fees the family pays. Teaching-fee refunds are governed by this section, the law, and the rules that apply to the teaching provider and the payment provider.

Returning money to a card through the payment gateway is not an automatic path in the product. A teaching fee paid from the displayed balance or in cash is returned to that balance or recorded as cash, according to the method and what the product allows.

If the balance was loaded or a collection ran online through a third-party payment provider, the bank, card scheme, or provider may open a dispute on a completed top-up or collection (sometimes called a chargeback). In Hessity that external payment is marked disputed; it is not refunded in the product as an ordinary completed payment.

That dispute is about online collection that funds the balance or goes through the provider, not about a Hessity subscription and not about a charge line paid from the balance or in cash. The workspace that owns the class bears the commercial risk of that dispute unless law or the payment provider’s rules require otherwise. Hessity is not the teaching provider.

Hessity or the payment provider may request records or documents needed to review the dispute, such as the payment record, attendance, or class cancellation, to the extent the law allows.

If the user loads the balance by InstaPay or another transfer method the product enables, the balance is added in Hessity only after matching is confirmed inside Hessity. Delay or a failed match does not mean Hessity taught the class, and does not describe posting at the bank.

A window of 14 calendar days from the payment date, in the workspace timezone, applies in the product to:

- a request to reverse a teacher payout after it has been paid (the teacher asks; the other side accepts); - reversal of a paid expense, if expenses are enabled in that workspace.

That is not a consumer cooling-off period on the student’s fee, and not a refund of the Hessity subscription.

This policy does not govern workspace subscription fees to Hessity, or their renewal, ending, or refund. Those matters are governed by the Terms of Use.

If a payment, top-up, refund, expense, or payout is recorded incorrectly, it may be corrected by a separate correction movement where that is technically and legally appropriate, keeping a clear trail of the original operation and the later correction so far as possible, rather than deleting the original record.

We may update this policy from time to time. For material changes we notify by appropriate means, and we obtain new consent where the law requires it.

Governed by the laws of the Arab Republic of Egypt. Arabic prevails if translations disagree.

Hessity for Information Technology حصتي لتكنولوجيا المعلومات Commercial register: 301420 Tax ID: 769-507-107 Registered office: 53 Capital Mall, behind the Court, 2nd floor, Fifth Settlement, New Cairo, Egypt (٥٣ كابيتال مول، خلف المحكمة، الدور الثاني، التجمع الخامس) Email: legal@hessity.com