Refund and Cancellation Policy

2.1 Every new account starts with a free trial (currently 30 days). No card is required, no payment is taken, and there is nothing to refund.

2.2 At the end of the trial we invoice you for your first subscription period. If you do not pay within 48 hours after the trial ends, the account is suspended automatically, cancelled automatically 10 days after the trial ends, and its data deleted or de-identified within 90 days after cancellation (Terms clauses 5.3, 5.4 and 20.6). We charge a card automatically only if a card is saved on your account for automatic payment; you can switch automatic payment off under Billing.

2.3 The trial is the time to evaluate PosiTack. Dissatisfaction with features that were available during the trial is not a ground for a refund later.

3.1 Cancel at any time in your account settings or by emailing accounts@positack.co.za from your account email.

3.2 Cancellation takes effect at the end of the billing period you have already paid for. You keep full access until then. No further Fees are charged.

3.4 If you cancel and later return before your data has been deleted (within 90 days after termination — Terms clause 20.6), we can reactivate your account with its data. After deletion we cannot.

4.1 An annual plan is a fixed-term agreement paid for 12 months. It does not renew automatically for another fixed period: at the end of the term it continues month to month unless you choose another annual plan.

4.2 If you are a natural person (for example a sole proprietor) — the Consumer Protection Act (section 14) gives you these rights, which we honour:

5.1 ECT Act section 44. If you are a natural person, you have a legal right to cancel an electronic services agreement within 7 days after concluding it, without reason, and to be refunded within 30 days — unless the service began, with your consent, before the 7 days ended (ECT Act section 42(2)(d)). The agreement is concluded when you create your account, and the Service starts immediately. At sign-up we ask you to confirm that you want the Service, including any paid period after the trial, to start immediately and that you understand the 7-day cooling-off right therefore does not apply (Terms clause 7.2). In any event the 7 days run from sign-up and fall within the free trial, during which nothing is charged.

5.2 CPA section 16. If you are a CPA Consumer and your subscription resulted from direct marketing by PosiTack, you may cancel within 5 business days of concluding the agreement and receive a full refund within 15 business days. PosiTack does not currently sell by direct marketing.

5.3 Cooling-off rights apply to your first paid period only, and not to renewals.

5.4 These rights belong to natural persons. Companies and other juristic persons have no statutory cooling-off right and we do not offer one.

6.1 We refund, in full and without being asked, any duplicate charge or billing error that is our fault, once we have confirmed it.

6.2 If we terminate your subscription for convenience, stop offering the Service, or cannot provide it for more than 30 consecutive days because of an event beyond our control, we refund the unused part of any prepaid Fees (Terms clauses 19.2, 20.4 and 20.5).

6.3 If you are a natural person and exercise a cooling-off or section 14 right, we refund as set out in sections 4 and 5.

8.1 Email accounts@positack.co.za from your account email with the subject “Refund request”, your business name, the invoice number or date of the charge, and the reason. We acknowledge within 1 business day and decide within 5 business days.

8.2 Approved refunds are sent within 10 business days of approval to the original payment method through our Gateway (or by EFT if that method cannot receive refunds). Your bank may take a further 3 to 5 business days to show it. Where the law requires a refund within 30 days, we meet that period.

8.3 We refund the amount you paid, including VAT, less any amount this policy or the law allows us to keep.

9.1 Please contact us before asking your bank to reverse a payment. If a chargeback is raised without contacting us first, we may suspend your account until it is resolved and recover the chargeback fee from you (Terms clause 9.6). If a chargeback succeeds on a charge that was valid, the amount remains owing.

11.1 Nothing in this policy takes away a right that the Consumer Protection Act or the Electronic Communications and Transactions Act gives a consumer and that cannot be excluded by agreement. Where this policy gives you more than the law does, the policy applies.

12.1 We may change this policy. Material changes are notified by email at least 30 days in advance, in the same way as changes to the Terms (Terms clause 22). A change does not affect a refund request already made.