Payment and Refund Policy

1.1 Membership Fee and Term#

The MyPattern membership is offered at $199.00 per year ("Membership Fee"). The membership term is one (1) year from the date of initial purchase ("Membership Term"). At the end of each Membership Term, the membership will automatically renew for an additional one-year term at the then-current Membership Fee, unless cancelled prior to renewal.

MyPattern will send you an email reminder at least 30 days before your membership automatically renews.

1.2 Effect of Cancellation#

Cancellation of a membership terminates the auto-renewal election and does not terminate the current Membership Term. Upon cancellation, the member retains access to all paid-tier benefits through the end of the period for which payment has been received, after which the account will automatically downgrade to the free tier. Any member discount applied to a lab order during an active Membership Term will not be reversed upon cancellation or downgrade.

1.3 Refunds - Grace Period#

MyPattern will issue a full refund of the Membership Fee if a member requests cancellation within seven (7) calendar days of the charge date ("Grace Period"), provided that no paid services (including lab orders) have been used or ordered during that period. The Grace Period applies to both the initial membership purchase and each subsequent annual renewal.

1.4 Refunds - Exceptions to the Grace Period#

Outside the Grace Period, MyPattern will approve a full refund of the Membership Fee in the following circumstances upon submission of the required documentation as specified below:

• Death of the member upon submission of: (i) a certified copy of the death certificate; and (ii) documentation establishing the requester's authority to act on behalf of the estate, such as letters testamentary, letters of administration, or other written documentation confirming the requester's status as next of kin, executor, or administrator (refund issued to the estate or authorized representative);
• Active military deployment of 90 days or more, or receipt of Permanent Change of Station (PCS) orders, upon submission of official military orders or other documentation confirming the qualifying deployment or transfer;
• Billing errors attributable to MyPattern;
• Any refund required by applicable law.

Requests for exceptions to the Grace Period must be submitted to support@findmypattern.com with all required documentation and will be processed within five (5) business days of receipt of all required documentation.

1.5 How to Cancel or Request a Refund#

During the Grace Period: A "Cancel Membership" button will be available in your account settings while your refund window is open. Selecting this button will cancel your membership and automatically initiate a full refund. No further action is required.

After the Grace Period: A "Cancel Membership" button remains available in your account settings at all times. Selecting this button will cancel your auto-renewal election; your paid membership benefits will continue through the end of the current Membership Term. To request an exception refund under Section 1.4, submit your request and required documentation to support@findmypattern.com. MyPattern will confirm the disposition of your request and, if approved, process any applicable refund to your original payment method within five (5) to ten (10) business days.

1.6 Price Changes#

If MyPattern changes the Membership Fee, you will receive at least 30 days' advance notice by email to the address on file before the new price takes effect. A price change will not apply until the first annual renewal following the required notice period. If you do not wish to continue your membership at the new Membership Fee, you may cancel prior to that renewal date and you will not be charged the new rate.

1.7 Service Suspension, Discontinuation, and Change of Control#

(a) Extended Outage. If the MyPattern platform is inaccessible or materially non-functional for seven (7) or more consecutive days due to circumstances within MyPattern's control, affected members may request a pro-rated credit or refund of the Membership Fee for the period of inaccessibility by contacting support@findmypattern.com.

(b) Discontinuation. If MyPattern permanently discontinues its platform or ceases to offer membership services, MyPattern will provide at least 30 days' advance written notice by email to all active members and will automatically issue a pro-rated refund of the Membership Fee for the unused portion of the then-current Membership Term. Members are not required to submit a request to receive this refund.

2.1 Geographic Availability#

MyPattern’s laboratory ordering services are not currently available in all states. At this time, MyPattern does not offer laboratory testing services in the following states:

• Arizona
• Hawaii
• Maine
• Michigan
• New Jersey
• New York
• North Dakota
• Pennsylvania
• Rhode Island
• South Dakota

2.2 Order Flow and Fees#

When a user places a lab order through MyPattern, the user's payment method is charged immediately at checkout. Lab orders are valid for one (1) year from the date of purchase. Users may schedule their specimen draw at any point during this period.

2.3 Refunds - Grace Period#

A user may cancel a lab order and request a refund within forty-eight (48) hours of the order date, provided that the specimen has not yet been collected ("Lab Grace Period"). Refunds issued under the Lab Grace Period will equal the full lab order amount minus a $10.00 cancellation coverage fee. This fee covers transaction and fulfillment costs incurred at the time of order that MyPattern cannot recover.

To cancel within the Lab Grace Period, the user may select the "Cancel Order" option in account settings or contact support@findmypattern.com within 48 hours of the order date with the account email address and order details.

2.4 Full Refunds - No Fee#

MyPattern will issue a full refund, without deduction of any cancellation coverage fee, at any point in the order lifecycle if the user did not receive the service due to circumstances outside the user's control, including:

• The physician order was declined following clinical review or due to a state regulatory restriction on direct-access laboratory testing;
• The specimen was lost, damaged, hemolyzed, or otherwise rendered unusable through no fault of the user;
• A platform, laboratory, or vendor error prevented fulfillment of the order;
• A duplicate charge or duplicate order was generated;
• A technical error at checkout resulted in the wrong test or incorrect amount being charged;
• The charge is confirmed to be fraudulent; or
• A service outage by MyPattern, its laboratory partners, or its ordering network prevented fulfillment within the applicable service level.

Where a specimen is rendered unusable, MyPattern will also offer the user, at the user's election, the option of a free redraw at no additional charge in lieu of a refund.

2.5 Non-Refundable Circumstances#

Lab order fees are not refundable in the following circumstances:

• The user is dissatisfied with an accurate test result;
• The user no longer wants or needs the test after the specimen has been collected;
• The user missed a scheduled specimen draw appointment and did not reschedule within the available window;
• The user selected the wrong test, and the specimen has already been collected; or
• The refund request is submitted outside the applicable refund window.

2.6 Orders Not Completed Within One Year#

If a user purchases a lab order but does not complete a specimen draw within one (1) year of the order date, the order expires and no refund is issued. Users are encouraged to schedule their appointments well in advance of the one-year deadline.

2.7 How to Cancel a Lab Order or Request a Refund#

To cancel within the Lab Grace Period, select "Cancel Order" in account settings or email support@findmypattern.com within 48 hours of the order date. For refund requests under Section 2.3, contact support@findmypattern.com promptly upon becoming aware of the qualifying circumstance.

• Include the account email address and order details in the request.
• MyPattern's support team will review the request and confirm eligibility.
• Approved refunds will be processed to the original payment method.

3.1 Treatment of Bundled Purchases#

When a user purchases a membership and a lab order in the same checkout transaction, the membership fee and the lab order amount are treated as separate, independently refundable components, each governed by its respective refund terms under this Policy.

3.2 Membership Component - Combined Checkout#

Where a user purchases a membership and, in the same checkout, places a lab order using a membership discount, the membership component is not eligible for a Grace Period refund under Section 1.3, because the user has already received a material membership benefit (i.e., the member-discounted lab price). The lab order component remains separately subject to the Lab Grace Period and cancellation coverage fee under Section 2.2.

3.3 Receipts#

Users will receive separate receipts for the membership and lab order components of a combined purchase.

3.4 Full Refund Exceptions - Combined Purchases#

The following circumstances qualify for a full refund of both the membership and lab order components with no deduction:

• Duplicate charge or technical checkout error;
• Order placed on the wrong account due to technical error;
• Lab or vendor cancellation outside the user's control;
• Medical ineligibility determined after purchase; or
• User is unable to access the service through no fault of their own.

4.1 Refund Method#

All refunds will be credited to the original payment method used at the time of the applicable transaction. MyPattern is not able to issue refunds to a different card, bank account, or payment instrument. Users who paid with an HSA or FSA card will receive refunds to that same card. Partial refunds (for example, a lab order refund net of the $10.00 cancellation coverage fee) will be processed as partial refunds against the original charge.

4.2 Refund Timing#

Once an approved refund is processed by MyPattern, it will typically appear on the user's statement within five (5) to ten (10) business days, depending on the user's card issuer or financial institution. MyPattern does not control the timing of credit posting by third-party financial institutions.

4.3 Disputes and Chargebacks#

If a user believes a charge is incorrect or unauthorized, MyPattern encourages the user to contact support@findmypattern.com prior to initiating a formal dispute or chargeback with their financial institution. MyPattern is generally able to resolve billing issues more quickly through direct support than through the formal dispute process.

For questions regarding this Policy, to request cancellation of a membership or lab order, or to submit a refund request, users may contact MyPattern at: