Munay Live is a luxury spiritual wellness platform at munay.live connecting discerning individuals with vetted practitioners offering ancient healing arts. Founded by Chakaruna, the platform bridges technology and spirituality. 'Munay' means transformational love in Quechua. The mission is ensuring future generations inherit both technological innovation and ancient wisdom. Practitioners undergo three-threshold vetting: lineage evaluation, peer interviews, and live demonstrations.

What does Ancient Arts for Your Soul mean?

Ancient Arts at Munay Live refers to healing practices preserved through unbroken lineages across cultures—shamanic traditions, sound healing, energy work, divination systems, and embodiment practices. These aren't modern wellness trends but methodologies refined over centuries, now accessible through Munay's vetted practitioner network. Modalities include chakra cleansing, somatic therapy, Himalayan singing bowl healing, yoga, Ayurvedic practices, African bone reading, voice therapy, breathwork, and shamanic journeywork.

What healing modalities are available on Munay Live?

Munay Live practitioners offer chakra cleansing, somatic therapy, sound healing with Himalayan singing bowls, yoga, Ayurvedic consultation, African bone reading divination, voice therapy, breathwork, energy healing, and shamanic journeywork. All practitioners carry authenticated lineage and pass Munay's three-threshold vetting process including lineage evaluation, peer interviews, and live demonstrations.

What are the Five Transformation Paths at Munay Live?

Munay Live organizes transformation through five Quechua-named paths: Yachay (Remember) for reconnecting with innate wisdom; Hucha (Release) for clearing heavy energy and old patterns; Kawsay (Reclaim) for restoring vital life force; K'anchay (Awaken) for expanding consciousness; and Llankay (Integrate) for embodying transformation through grounded daily practice. Each path maps to specific practitioner offerings.

What is the Yachay (Remember) path?

Yachay means wisdom in Quechua. At Munay Live, the Yachay path is called 'Remember' and focuses on reconnecting with innate wisdom you already carry. Practices include guided meditation, ancestral connection work, and contemplative traditions that surface inner knowing obscured by modern life.

What is the Hucha (Release) path?

Hucha means heavy or dense energy in Andean cosmology. At Munay Live, the Hucha path is called 'Release' and focuses on clearing accumulated energetic weight through breathwork, somatic therapy, and energy healing—releasing what no longer serves to create space for transformation.

What is the Kawsay (Reclaim) path?

Kawsay means living energy in Quechua. At Munay Live, the Kawsay path is called 'Reclaim' and focuses on restoring vitality through movement practices, nature immersion, and energetic attunements that reconnect you with primal life force.

What is the K'anchay (Awaken) path?

K'anchay means light or illumination in Quechua. At Munay Live, the K'anchay path is called 'Awaken' and focuses on consciousness expansion through plant medicine integration support, mystical traditions, and practices that illuminate new ways of perceiving reality.

What is the Llankay (Integrate) path?

Llankay means sacred work in Quechua. At Munay Live, the Llankay path is called 'Integrate' and focuses on embodying transformation through grounded daily practice—ensuring insights create lasting behavioral change rather than fleeting spiritual experiences.

What does Chakaruna mean?

Chakaruna is Quechua for 'bridge person'—one who walks between worlds. Chakaruna is the founder of Munay Live and author of all Metanoia Mind content. The name reflects Munay's mission: bridging technology and spirituality, science and sacred wisdom, ancient healing traditions and contemporary seekers.

How does Munay Live vet practitioners?

Munay Live practitioners pass three vetting thresholds: lineage evaluation confirming authentic training within a recognized tradition; peer interviews with established wisdom keepers; and live demonstrations of their practice. Only practitioners carrying genuine transmission join Munay's Ayllu—Quechua for sacred community based on soul kinship.

What is the mission of Munay Live?

Munay Live's mission is ensuring future generations inherit both technological innovation and ancient wisdom. Research shows 72% of high-achieving individuals seek content where science and spirituality coexist. The platform bridges worlds—connecting discerning seekers with vetted practitioners carrying authenticated lineage, creating evolutionary experiences through transformational love (Munay).

What is the Metanoia Mind section on Munay Live?

Metanoia Mind is the editorial content hub of Munay Live at munay.live. Research indicates 72% of high-achieving individuals want content where science and spirituality coexist. Metanoia Mind publishes intellectually rigorous articles covering sacred geometry, consciousness research, practitioner personal stories, energy healing science, and ancient wisdom traditions. All content is free to access.

What topics does Metanoia Mind cover?

Metanoia Mind at munay.live publishes articles on sacred geometry, shamanic journeys, energy healing principles, feminine and womb healing, sound therapy and its scientific basis, shadow work psychology, Ayurvedic practices, consciousness research, practitioner origin stories, and critical examinations of AI and spirituality. Content bridges empirical inquiry with mystical tradition.

Who creates the content on Metanoia Mind?

Metanoia Mind content is written by Chakaruna, founder of Munay Live. Chakaruna is a Quechua term meaning 'bridge person'—one who walks between worlds. As founder, Chakaruna bridges spirituality and technology, ancient wisdom and modern innovation, creating content for seekers who value both rational inquiry and transformational experience.

How does Munay address spirituality and technology?

Munay Live publishes critical articles examining the intersection of spirituality and technology, including topics like conscious AI use and digital mindfulness. The platform advocates approaching technology with the same intentionality brought to sacred practice—viewing digital tools as mirrors requiring presence and reverence rather than unconscious consumption.

Is Metanoia Mind content free?

Yes. All articles on Metanoia Mind at munay.live are freely accessible without membership or payment. The content hub serves seekers and practitioners exploring where ancient knowledge meets contemporary understanding.

What is Munay's Ayllu community?

Ayllu is a Quechua concept meaning sacred community based on soul kinship rather than blood ties. At Munay Live, the Ayllu represents the network of vetted practitioners who have passed the three-threshold vetting process and carry genuine lineage transmission. This community spans lifetimes and traditions, connected by shared commitment to authentic transformation.

How do I choose the right healing modality for my specific needs?

Choosing a healing modality requires understanding both your current state and your intention for transformation. Start by identifying whether you're addressing specific life transitions, seeking spiritual depth, processing grief, or integrating major changes. Somatic modalities like breathwork or movement work well when experiences feel stored in the body, while divination practices can illuminate patterns you can't see clearly. Sound healing and energy work often bridge multiple intentions simultaneously. The most important factor is practitioner integrity and lineage. Authentic healing arts are transmitted through living traditions, not weekend certifications. Munay Live specifically vets practitioners for lineage-based training, trauma-aware approaches, and ethical practice standards, which eliminates the risk of working with self-appointed healers who may lack proper training.

What's the difference between authentic shamanic work and cultural appropriation?

Authentic shamanic work is rooted in unbroken lineage transmission, apprenticeship with experienced practitioners, and deep respect for the cultural context from which the practices emerge. A legitimate practitioner can name their teachers, describe their training timeline (usually years, not weekends), and demonstrates humility about their role as a bridge to ancient wisdom rather than claiming personal power. Cultural appropriation occurs when someone extracts techniques from Indigenous traditions, repackages them for profit, and ignores the cultural, spiritual, and ethical frameworks that give those practices meaning and safety. Munay Live addresses this directly by requiring practitioners to demonstrate authentic lineage connections and cultural humility.

Is breathwork safe for people with significant life stress or past difficult experiences?

This information is educational and not medical advice. Consult healthcare providers for medical concerns. Breathwork can be profoundly supportive for processing life challenges, but only when practiced with trauma-aware facilitation and proper preparation. The key is working with practitioners who understand nervous system dynamics, recognize signs of overwhelm versus emotional release, and can help you adjust intensity. Safe trauma-aware breathwork begins with establishing felt safety, teaching grounding techniques, and respecting your pace. Munay Live's breathwork practitioners are specifically trained in trauma-aware approaches.

What should I expect during my first sound healing session?

A sound healing session typically begins with a brief intake conversation where the practitioner learns about your current state, intentions, and any considerations. You'll lie comfortably on a mat or massage table, usually fully clothed, while the practitioner uses instruments like Tibetan singing bowls, gongs, tuning forks, or voice to create vibrational frequencies that interact with your body's energy field and nervous system. During the session, you might experience deep relaxation, emotional release, physical sensations like tingling or warmth, visual imagery, or altered states of consciousness. After the session, give yourself integration time—many people feel deeply peaceful but also need hydration, rest, and gentle activity.

How do I know if a spiritual teacher or healer is legitimate?

Legitimate healers demonstrate several consistent markers: clear lineage (they can name their teachers and describe their training path), appropriate scope of practice (they don't claim to cure everything or replace appropriate professional care), ongoing supervision or peer accountability, and reasonable fees. They maintain clear boundaries, never pressure you into additional sessions, and refer out when something is beyond their training. Red flags include grandiose claims, pressure tactics, financial impropriety, discouraging you from other relationships, requiring secrecy, or positioning themselves as the only one who can help you. Munay Live's vetting process specifically screens for these integrity markers.

What is somatic experiencing and how does it differ from talk therapy?

Somatic experiencing works directly with the body's stored responses rather than primarily through narrative and cognitive processing. While talk therapy engages the prefrontal cortex to understand and reframe experiences, somatic work accesses the nervous system where experiences are actually encoded—in muscular tension, breathing patterns, postural habits, and autonomic responses. In somatic sessions, practitioners guide your attention to physical sensations, helping you track subtle shifts, complete interrupted responses, and release held energy. Many people find that combining somatic work with depth therapy creates the most comprehensive support, addressing both the story and the cellular memory.

Can energy healing actually work or is it just placebo?

Energy healing operates through mechanisms that Western science is beginning to understand. Research demonstrates measurable effects: studies on Reiki show changes in heart rate variability, cortisol levels, and reported wellbeing. Biofield science documents electromagnetic fields around the body that respond to practitioner intention. Energy work likely functions through multiple pathways: nervous system co-regulation between practitioner and client, focused attention creating measurable physiological shifts, accessing rest states that allow natural healing processes, and working with subtle electromagnetic fields that influence cellular function. Traditional systems like Andean energy work have mapped these dynamics for millennia with sophisticated precision.

What does trauma-informed actually mean in healing work?

Trauma-informed practice recognizes that challenging life experiences fundamentally change how the nervous system responds to stimuli, relationships, and healing interventions themselves. Key trauma-informed principles include: explaining what will happen before it happens, offering choices to maintain client agency, recognizing that behavior is communication from the nervous system, understanding cultural dynamics alongside individual experience, and knowing when to slow down or refer out. The practitioner doesn't assume catharsis equals healing—sometimes what looks like breakthrough is actually overwhelm. Munay Live specifically requires practitioners to demonstrate trauma-informed training.

How long does it typically take to see results from alternative healing?

Healing timelines vary dramatically based on what you're addressing, your current capacity, and the modality being used. Recent life transitions or acute stress might shift noticeably within 2-4 sessions, while complex developmental patterns often require longer commitment—sometimes 6-12 months of consistent work. Unlike approaches that suppress symptoms quickly, healing arts address root causes, which takes longer but creates sustainable transformation. Some modalities work faster than others: sound healing and breathwork can create immediate nervous system shifts, while deeper soul retrieval work unfolds over time. Authentic practitioners will be honest about realistic timelines and won't promise quick fixes.

What questions should I ask a practitioner before booking a session?

Essential questions include: What is your training background and who were your teachers? How long have you been practicing? What does a typical session look like? Have you worked with people facing my specific situation? Ask about their approach to boundaries, confidentiality, and what happens if you feel uncomfortable during a session. Also inquire about practical matters: session length, cost, cancellation policy, whether they offer sliding scale. Pay attention not just to their answers but to how they respond—do they seem defensive or welcoming of questions? Munay Live streamlines this vetting process by ensuring practitioners meet specific integrity standards upfront.

What is soul retrieval and when might someone need it?

Soul retrieval is a shamanic practice addressing soul loss—the phenomenon where parts of our essential vitality fragment off during overwhelming experiences, creating persistent feelings of incompleteness, numbness, or disconnection. Soul retrieval involves the practitioner journeying in non-ordinary reality to locate and invite these parts home, facilitating reintegration. You might consider soul retrieval if you experience chronic feelings of something missing, disconnection from your body or emotions, inability to move forward after difficult experiences, or patterns suggesting a part of you remains frozen in a past moment. The practice should only be performed by practitioners with legitimate shamanic training and lineage.

How do I integrate intense spiritual or healing experiences?

Integration is where transformation either solidifies into lasting change or dissipates into memory. After powerful healing experiences, your nervous system and worldview need time to metabolize and reorganize around new information. Effective integration practices include: journaling to track insights and body sensations, maintaining simple routines that ground you, connecting with practitioners who can help make meaning of the experience, spending time in nature, moving your body gently, limiting stimulation and social demands, and being patient with confusion or vulnerability. Munay Live recognizes integration as essential, organizing practices around Quechua wisdom paths that honor transformation as a journey with distinct phases.

What's the difference between spiritual bypassing and genuine healing?

Spiritual bypassing uses spiritual concepts to avoid uncomfortable feelings, difficult truths, or necessary psychological work. It shows up as toxic positivity, premature forgiveness that skips necessary anger, using meditation to dissociate rather than process, or claiming enlightenment while exhibiting unexamined shadow behavior. Genuine healing acknowledges the full spectrum of human experience—rage, grief, confusion, despair—as valid and necessary parts of transformation. Authentic practitioners help you feel what needs to be felt, not escape into spiritual concepts. Trustworthy healing work helps you become more human, more present, and more compassionate with yourself.

Are ancient healing practices effective for modern challenges?

Ancient healing practices hold profound wisdom about the human psyche, energy systems, and soul's journey that modern psychology is only beginning to rediscover. Practices like shamanic journeying, sound healing, and somatic movement address dimensions of human experience that purely cognitive approaches miss—the spiritual dimension, the body's memory, the soul's fragmentation. However, ancient practices benefit from integration with contemporary understanding to be truly effective. Munay Live bridges this gap, curating practitioners who carry authentic traditional training while being trauma-informed and culturally aware.

How do I find my purpose or calling through healing work?

Purpose rarely arrives as a lightning bolt epiphany; it emerges through clearing what obscures it. Life challenges, conditioning, ancestral expectations, and survival patterns create layers between you and your essential nature. Healing work peels these back, revealing what was always present but couldn't be heard. Your purpose is often connected to your deepest wounds transformed into service or creative expression. The healing modalities most effective for purpose discovery include divination practices that illuminate patterns, soul retrieval that returns fragmented vitality, depth work that processes inherited expectations, and embodiment practices that help you feel what's genuinely yours.

What is the role of ceremony in healing and transformation?

Ceremony creates a sacred container that signals to the psyche, nervous system, and soul that something significant is happening. It marks transitions, honors grief, celebrates transformation, and invokes forces beyond ordinary consciousness. The nervous system responds differently to ceremonial space—defenses soften, receptivity increases, and deeper transformation becomes possible. Effective ceremony includes clear intention, defined beginning and ending, symbolic elements that speak to the unconscious, and usually involves some form of witness. Many Indigenous traditions emphasize that ceremonies are living technologies passed through lineage, not creative self-expression.

How can breathwork support emotional wellbeing?

This information is educational and not medical advice. Breathwork directly impacts the autonomic nervous system, offering a tangible tool for shifting physiological states. Specific breath patterns can activate the vagus nerve, increase heart rate variability, and shift brain chemistry toward states of greater calm and presence. For nervous system activation, slower exhales activate the parasympathetic nervous system and signal safety. Coherent breathing—equal inhale and exhale around 5-6 seconds—creates nervous system balance. When practiced consistently with skilled guidance, breathwork can create lasting nervous system resilience and emotional regulation capacity.

How does ancestral healing work and why does it matter?

Ancestral healing addresses patterns and burdens transmitted through family lineage. Research on epigenetics confirms that life experiences alter gene expression across generations. Beyond genetics, we inherit patterns through modeling, family systems dynamics, and soul-level transmission. Ancestral healing practices vary across traditions but often include ritual acknowledgment of ancestors' experiences, offering healing to those who came before, breaking inherited contracts or patterns, and reclaiming gifts that got lost in survival. This might involve divination to understand ancestral influences, ceremony to release burdens, or somatic work to release inherited tension.

What makes sound healing different from just listening to music?

Sound healing uses specific frequencies, instruments, and intentional application to create therapeutic effects beyond music's emotional or aesthetic experience. Instruments like Tibetan singing bowls, crystal bowls, gongs, and tuning forks produce overtone-rich sounds that create measurable changes in brainwave states, nervous system activation, and cellular vibration. Unlike music performance designed for listening pleasure, sound healing creates an immersive vibrational field that you experience through your whole body, not just your ears. Some traditions, like Andean sound healing, incorporate specific songs and whistling patterns passed through lineage that carry healing medicine beyond the notes themselves.

How do I know if I'm ready for deeper spiritual or healing work?

Readiness involves having adequate nervous system capacity, basic life stability, and genuine motivation beyond escape or spiritual bypassing. If you're in acute crisis—active addiction, significant dysregulation, unstable housing—address those foundations first through appropriate support. Signs of readiness include: feeling called toward something specific, having support systems in place, capacity to sit with discomfort, willingness to question your narratives, and enough life stability to integrate experiences. Working with skilled practitioners who can assess capacity and adjust accordingly matters immensely.

What is embodiment and why do healers talk about it so much?

Embodiment means inhabiting your physical form with awareness rather than living primarily in your head, dissociated, or disconnected from sensation. Challenging experiences create disembodiment—we leave our bodies to survive overwhelming moments. Healers emphasize embodiment because it's foundational to lasting transformation. You can have intellectual insight or spiritual experiences, but without embodiment, nothing integrates into your actual lived experience. Embodiment involves: feeling sensations as they arise, tracking internal states, breathing fully, moving authentically, and allowing your body's wisdom to inform decisions alongside cognitive understanding.

What happens during an energy healing session?

Energy healing sessions typically begin with intake conversation about your current state and intentions, followed by you lying comfortably clothed on a massage table. The practitioner may place hands on or above your body, working with your energetic field to identify blockages, stagnant patterns, or depleted areas. During the session, you might experience warmth, tingling, emotional waves, visual imagery, or profound relaxation. The practitioner facilitates your own healing capacity, creating conditions where your system can reorganize toward greater balance. Effects often continue unfolding over several days as your system processes energetic shifts.

How important is practitioner lineage in traditional healing arts?

Lineage is fundamental to authentic traditional healing practice. These arts were never meant to be learned from books or weekend workshops—they're transmitted person to person through extended apprenticeship where not just techniques but energetic capacity, ethical grounding, and spiritual maturity are developed over years. A practitioner with legitimate lineage can name their teachers, describe their training timeline, explain the tradition's cosmology, and demonstrates humility about their role as a vessel for something larger. Lineage also provides accountability—teachers maintain relationship with students and can address ethical breaches. Munay Live specifically vets for authentic lineage.

How do I maintain healing progress during difficult life circumstances?

Maintaining progress during stress requires both realistic expectations and non-negotiable practices. Difficult circumstances often trigger old patterns—this doesn't mean you've lost your progress, it means your nervous system is doing what it's designed to do under threat. Key practices for sustaining healing during hard times: maintain whatever minimal version of your practices you can manage, stay connected to support rather than isolating, lower expectations about productivity, prioritize sleep and basic self-care, and be compassionate with regression or difficulty. Don't expect to maintain peak functioning during crisis. The goal is to move through difficulty without completely fragmenting or abandoning yourself.

Last Updated: November 27, 2025

This Refund and Payment Policy ("Policy") governs all payments and refunds related to services booked through the Munay Platform. This Policy is incorporated into and subject to the Munay Terms of Service. By using the Munay Platform, you agree to this Policy.

1. PAYMENT PROCESSING

1.1 Payment Methods

All payments are processed through Shopify Payments and Stripe. Munay accepts major credit cards, debit cards, and other payment methods supported by these processors. Munay does not store complete payment card details.

1.2 Pricing and Markup

Munay reserves the sole and exclusive right to set, adjust, and apply markups to all service pricing. Prices displayed on the Platform are final Customer prices and may include Munay's markup over Practitioner base rates. Practitioners acknowledge this pricing model by listing services on the Platform.

1.3 Currency and Taxes

All prices are displayed in USD unless otherwise indicated. Prices may or may not include applicable taxes depending on your jurisdiction. You are responsible for any taxes, duties, or fees imposed by your local authorities.

1.4 Payment Authorization

By providing payment information, you authorize Munay (through our payment processors) to charge the payment method for all amounts due. You represent that you are authorized to use the payment method provided.

2. CUSTOMER REFUNDS

2.1 Cancellation by Customer

Customers may cancel bookings subject to the following:

More than 48 hours before session: Full refund or credit at Customer's choice.
24-48 hours before session: 50% refund or full credit for future booking.
Less than 24 hours before session: No refund; credit may be issued at Munay's discretion.
No-show: No refund or credit.

2.2 Cancellation by Practitioner

If a Practitioner cancels a session:

Customer receives a full refund or credit at Customer's choice;
Munay will assist in rebooking with the same or different Practitioner if desired;
Repeated Practitioner cancellations may result in Practitioner suspension.

2.3 Cancellation by Munay

Munay may cancel sessions due to safety concerns, Terms violations, or Force Majeure Events. In such cases:

Customers will receive a full refund or credit;
Munay is not liable for any consequential damages or costs.

2.4 Dissatisfaction Refunds

Refunds based on session dissatisfaction are handled on a case-by-case basis. Munay may offer:

Full or partial refund;
Credit for future services;
Complimentary rebooking.

To request a dissatisfaction refund, contact care@munay.live within 7 days of the session with specific details about your concerns.

2.5 Series and Package Refunds

For prepaid series or packages:

Unused sessions may be refunded on a pro-rata basis minus any discounts applied;
Partially used series are non-refundable unless otherwise specified;
Credits do not expire but are non-transferable.

3. PRO-RATA REFUND CALCULATION

DEFINITION: A "pro-rata refund" means the proportional value of unused, prepaid services remaining at the time of termination or cancellation, calculated as follows:

Pro-Rata Refund = (Total Amount Paid) × (Unused Sessions ÷ Total Sessions Purchased) − Applicable Deductions

APPLICABLE DEDUCTIONS may include:

Platform fees and processing fees;
Discounts previously applied (restored to full value);
Promotional credits or coupons used;
Offsets for documented damages or breach;
Administrative fees (not to exceed $25).

EXAMPLE: If you purchased a 10-session package for $1,000 (with a $100 discount from original $1,100 price), used 3 sessions, and request termination without cause, the calculation would be: $1,000 × (7 ÷ 10) = $700, minus restored discount allocation of $70, minus $25 admin fee = $605 pro-rata refund.

4. REFUNDS UPON ACCOUNT TERMINATION

4.1 Termination for Cause (Customer Breach)

Where termination results from material breach of the Terms of Service, fraud, chargeback abuse, harassment, or Code of Conduct violations, NO REFUND will be issued for unused services. Funds may be withheld as liquidated damages.

4.2 Termination for Convenience (by Munay)

If Munay terminates a Customer account without cause (termination for convenience), Customers may be entitled to a pro-rata refund (as defined in Section 3) or credit at Munay's reasonable discretion, subject to applicable consumer protection laws.

4.3 Voluntary Account Closure

If you voluntarily close your account:

Unused single sessions: refundable per cancellation policy;
Unused package sessions: pro-rata refund may be issued at Munay's discretion;
Credits: non-refundable but may be used before closure.

5. STATUTORY CONSUMER RIGHTS

SAVINGS CLAUSE: Nothing in this Policy limits or excludes any mandatory consumer rights that cannot be waived under applicable law. This includes but is not limited to:

California Consumer Legal Remedies Act and other California consumer protections;
New York General Business Law consumer protections;
Massachusetts Consumer Protection Act (Chapter 93A);
EU Consumer Rights Directive and related regulations;
UK Consumer Rights Act 2015;
Australian Consumer Law.

Where local law provides greater consumer protection than this Policy, such local law shall apply to the extent required. Nothing herein shall be construed to limit your right to seek remedies under applicable consumer protection statutes.

6. PRACTITIONER PAYOUTS

6.1 Payout Schedule

Practitioners are paid for completed sessions according to agreed terms. Payouts are processed through Stripe Connect on a regular schedule (typically weekly or bi-weekly).

6.2 Payout Withholding

Munay may withhold or delay Practitioner payouts in the following circumstances:

Pending resolution of Customer disputes or refund requests;
Investigation of Terms violations or misconduct;
Suspected fraud or disintermediation;
Tax reporting or compliance holds;
As required by law or legal process.

6.3 Termination Payouts

Termination for Cause (Practitioner Breach): Pending payouts may be delayed or offset against damages where termination results from material breach, fraud, disintermediation, or misconduct. Munay will provide written notice specifying the basis for withholding.

Termination for Convenience: Practitioners shall receive payment for all completed sessions through the effective termination date, less applicable fees or offsets for documented damages.

Disputed Amounts: Practitioners may contest withheld amounts through the dispute resolution process in the Terms of Service.

7. LIQUIDATED DAMAGES

SCOPE: Funds withheld as liquidated damages shall be limited to a reasonable pre-estimate of Munay's actual damages arising from the specific breach, including but not limited to:

Disintermediation (circumventing the Platform for direct payment);
Intellectual property violations;
Reputational harm;
Administrative and investigation costs;
Lost revenue directly attributable to the breach.

NOT A PENALTY: Liquidated damages provisions are intended as a reasonable pre-estimate of probable loss and are not intended as a penalty. The parties acknowledge that actual damages from certain breaches are difficult to calculate and that these provisions represent a fair allocation of risk.

CAP: Unless otherwise specified for egregious conduct (fraud, repeated violations), liquidated damages shall not exceed the total amount paid by or owed to the User in the twelve (12) months preceding the breach.

8. CHARGEBACKS AND DISPUTES

We encourage Customers to contact care@munay.live before initiating a chargeback with their payment provider. Chargebacks may result in:

Immediate account suspension pending investigation;
Loss of credits or unused services;
Permanent account termination for fraudulent chargebacks;
Collection action for amounts owed.

Munay reserves the right to dispute chargebacks and provide evidence to payment processors.

9. FORCE MAJEURE

During Force Majeure Events (as defined in the Terms of Service), standard refund policies may be modified. Munay will use commercially reasonable efforts to:

Communicate service disruptions promptly;
Offer rescheduling or credits where feasible;
Resume normal operations as soon as practicable.

Munay is not obligated to provide refunds for service disruptions caused by Force Majeure Events but may offer accommodations at its discretion.

10. REFUND PROCESS

To Request a Refund:

Email care@munay.live with subject line "Refund Request";
Include your name, booking confirmation, and reason for request;
Submit within 30 days of the relevant session or purchase.

Processing Time: Approved refunds are processed within 5-10 business days. Actual posting to your account depends on your financial institution (typically 3-5 additional business days).

Refund Method: Refunds are issued to the original payment method. If the original method is unavailable, Munay may issue a credit or alternative refund at its discretion.

11. CONTACT INFORMATION

For questions about this Policy or to request a refund:

Customer Support: care@munay.live

Billing Inquiries: billing@munay.live

Mailing Address: Munay Live LLC, 254 Chapman Rd, Ste 208 #20574, Newark, Delaware 19702

12. CHANGES TO THIS POLICY

Munay may update this Policy at any time. Material changes will be communicated via email or Platform notice. Continued use of the Platform after changes constitutes acceptance.

— End of Munay Refund & Payment Policy —