<h3 style="background-color:#ffeaea; padding:8px; border-radius:6px;"><strong>💵 REFUND POLICY</strong></h3>
<p><strong>Standard Refunds:</strong> Players who withdraw before APRIL 30th 2026 will receive the original amount paid minus a <strong>$5 service fee</strong> and a <strong>$15 administrative fee</strong>.</p>
<p><em>Example:</em> Paid $50 → Refund = $30</p>
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