Last Updated: 11/17/2025

Human Cell Regeneration (HCR)

This Payment, Billing, Refund and Cancellation Policy (“Policy”) explains how payments, recurring billing, refunds, and cancellations are handled for Human Cell Regeneration (“HCR,” “we,” “us,” or “our”). By purchasing any coaching package, membership, digital product, or related service from HCR, you agree to this Policy, our Terms of Use, our Privacy Policy, and our Coaching & Membership Terms & Disclosure.

1. Scope of This Policy

This Policy applies to purchases made through HumanCellRegeneration.com, including (but not limited to):

• Private coaching packages (4-, 8-, and 12-week programs)
• Memberships (monthly or annual, self-guided educational access)
• Digital resources (eBooks, guides, PDFs, and other downloadable content)
• Any other products or services we may offer directly through our website

It does not cover fees paid directly to third parties such as labs (e.g., Function Health), supplement companies, or other independent providers, which are governed by their own policies.

2. Pricing, Currency, and Taxes

• All prices are listed in S. dollars (USD)unless otherwise stated.
• Prices are subject to change at any time without prior notice. The price you pay is the price displayed at checkout at the time of purchase.
• Sales tax or other applicable taxes may be added at checkout based on your location and current tax laws. You are responsible for any such taxes.
• Promotional pricing, coupons, or discounts are time-limited and may be modified or discontinued at our discretion.

3. Payment Methods and Processing

• Payment is collected through secure, third-party payment processors integrated with our website (for example, via WooCommerce-compatible gateways such as credit/debit card processors).
• By submitting your payment information, you authorize us and our payment processor to charge the full amount due for your purchase.
• We do not store your full payment card details on our servers. Payment data is handled by our payment processor in accordance with their security and privacy practices.

If a transaction is declined or cannot be processed, your order may not be completed and you will not receive access to the purchased services until a successful payment is made.

4. Billing Authorization and Recurring Payments

For membership products and any other recurring services:

• By purchasing a recurring membership (monthly or annual), you authorize HCR and our payment processor to automatically chargethe applicable fee on a recurring basis (e.g., every month or every year) until you cancel.
• Your membership will automatically renew at the end of each billing cycle unless you cancel according to the procedures described in Section 7 below.
• You are responsible for ensuring that your payment information (card number, expiration date, billing address, etc.) is current and accurate.

If a recurring payment fails, we may:

• Retry the payment one or more times;
• Notify you to update your payment method; and/or
• Suspend or cancel your access to membership content until payment is successfully processed.

5. Coaching Packages – Payment, Refunds, and Cancellations

5.1 Payment for Coaching Packages

• Coaching packages (4-, 8-, and 12-week programs) are typically paid in full at the time of purchaseto secure your start date and scheduling.
• If we ever offer payment plans, those arrangements will be clearly described at checkout and in your coaching agreement.

5.2 Refunds for Coaching Packages

Because coaching requires dedicated time, scheduling, and preparation, and because you gain immediate access to onboarding and educational resources, all coaching package sales are generally non-refundable.

However, we recognize that unexpected situations may occur. Our default policy is:

• Before the first scheduled coaching session:

• If you request to cancel your package at least 72 hours beforeyour first booked session, HCR may, at our sole discretion, offer either:
  • A partial refund (less any applicable processing fees and any materials already delivered), or
  • A credit toward a future start date.
• After the first coaching session has been completed:

• No refundswill be issued. Your package may be paused or rescheduled only at HCR’s discretion, and any such adjustments will be treated as a courtesy, not an obligation.

5.3 Cancellations and Rescheduling of Individual Coaching Sessions

• If you need to cancel or reschedule a booked coaching session, we require at least 24 hours’ notice.
• Cancellations or rescheduling requests made less than 24 hoursbefore the session may be treated as a used session and deducted from your package.
• No-shows (failing to attend a scheduled session without notice) are counted as used sessionsand are not refundable or reschedulable.

HCR reserves the right to reschedule sessions when necessary (for example, due to illness or emergencies). In such cases, we will make reasonable efforts to reschedule your session at a mutually convenient time.

6. Memberships – Recurring Billing, Refunds, and Cancellations

6.1 Membership Billing

• Memberships are billed monthly or annually, as selected at checkout.
• Charges recur automatically until you cancel as described below.

6.2 Membership Refunds

• All membership fees are non-refundable, including:

• Partial months or years
• Unused membership access
• Failure to use or log into the membership platform
  • We do not provide proratedrefunds or credits for unused periods once a billing cycle has started.

If you believe there has been a billing error, contact us promptly so we can review the charge.

6.3 Cancelling a Membership

• You may cancel your membership at any timethrough your account settings or by following the instructions provided in your purchase confirmation or membership emails.
• When you cancel:

• Your membership will remain active until the end of the current paid billing period(month or year).
• Your membership will notrenew for the next billing cycle.
  • Cancelling a membership prevents future charges but does nottrigger a refund for already-paid periods.

7. Digital Products, Downloads, and Online Resources

This includes eBooks, guides, PDFs, and other downloadable or on-demand digital materials.

• Due to the nature of digital products, all sales of digital products are finalonce access is granted or the file has been made available for download.
• We do not offer refunds or exchanges on digital products except where required by applicable law or in the case of confirmed technical issues that prevent access to the product.

If you experience a technical problem downloading or accessing a digital product, please contact us and we will make reasonable efforts to restore access.

8. Third-Party Labs, Supplements, and Services

HCR may recommend or link to third-party services, including but not limited to:

• Lab testing companies (such as Function Health)
• Supplement companies
• Fitness, wellness, or technology providers

Important points:

• You are responsible for any fees, billing, refunds, and cancellations directly with these third parties.
• HCR does notcontrol and is not responsible for third-party billing, refund, or cancellation policies.
• Any questions or disputes about third-party charges must be addressed with the third-party provider, not HCR.

9. Changes to Purchases, Errors, and Declined Payments

• HCR reserves the right to refuse or cancel any order due to suspected fraud, unauthorized use, pricing errors, or other issues.
• If a pricing or listing error occurs, we may cancel orders affected by the error and issue a full refund, or contact you with options to proceed at the correct price.
• If your payment is declined or cannot be processed, we may suspend or cancel your access to purchased services until the issue is resolved.

10. Chargebacks and Disputes

We aim to handle concerns directly and professionally. Before initiating a chargeback with your bank or card issuer, we ask that you contact us so we can review and attempt to resolve the issue.

• If you initiate a chargeback or dispute for a validly delivered product or service, we reserve the right to:

• Provide all relevant documentation to dispute the chargeback, and
• Suspend or terminate your access to current and future HCR services.

11. Policy Changes

We may update this Policy from time to time to reflect changes in our offerings, legal requirements, or business practices.

• The “Last Updated” date at the top of this page indicates when the Policy was last revised.
• Your continued use of our website or services after changes have been posted constitutes your acceptance of the revised Policy.

12. Contact Information

If you have questions about this Payment, Billing, Refund and Cancellation Policy, or if you believe there has been a billing error, please contact:

Human Cell Regeneration
Attention: Billing & Payments
Website: HumanCellRegeneration.com
Email: support@humancellregeneration.com

We encourage you to retain a copy of this Policy for your records and to review it periodically, especially before making purchases or renewing memberships.