Refund and cancellation policy

• Three free months. Every new business gets three months free from signup. Nothing is charged during them.
• The R1 card check. If you subscribe while you still have free months left, Paystack takes R1 to check that your card works, and we refund it straight away, automatically. Your first R149 is taken on the day your free months end.
• R149 a month. After the free months QuoteCraft costs R149 a month, taken from your card by Paystack on the same date each month. W.MostertCo is not registered for VAT, so no VAT is added.
• If you subscribe after your free months have ended, the first R149 is taken the day you subscribe, and then monthly from that date.
• QuoteCraft never sees or stores your card number. Paystack holds the card.

• Cancel any time in the app under Account, Plan and billing, Change card or cancel. That opens Paystack's page for your subscription, where you cancel it. There is no notice period and no cancellation fee.
• After you cancel, nothing more is charged. Everything stays open until the end of the month you have already paid for, or until your free months end if you cancel during them.
• After that your account becomes read-only. You can still sign in and open and download every quote, invoice and file. You can't create or edit quotes and invoices until you subscribe again.
• You can subscribe again at any time from the same page, and everything you made before is still there.
• If a monthly payment fails, you keep full access for 3 days to pay with another card from Account, Plan and billing. After that the account is read-only until a payment goes through. Nothing is deleted.
• Cancelling does not delete your account. To close your account and have your data deleted, email WerriesMostert@gmail.com. The privacy policy explains what happens next.

• The R1 card check is always refunded, automatically.
• Your first paid month. If you are not happy, ask for a refund within 7 days of your first R149 payment and we refund it in full. We also cancel your subscription, so nothing more is charged.
• Wrong or double charges. If we charge you twice, charge the wrong amount, or charge you after you cancelled, we refund the wrong charge in full.
• If we close QuoteCraft, or close your account for a reason other than a breach of the terms, we refund the unused part of the month you paid for.
• Nothing in this policy takes away a right you have under the Consumer Protection Act or the Electronic Communications and Transactions Act. Where the law gives you more, the law applies.

Apart from section 3, we don't refund part months or months you paid for but didn't use. If you cancel halfway through a paid month, you keep access until the end of that month instead.

Send a message through the contact page or email WerriesMostert@gmail.com with the email address you sign in with, your business name, the date and amount of the charge, and why you want the refund. We reply within 3 business days.

Approved refunds go back to the card you paid with, through Paystack, on the day we approve them. Paystack emails you to confirm, and the money usually reaches your card within 3 to 10 business days, depending on your bank. Refunds are in rand, for the amount you paid. We can't cover fees your own bank charges.

Please contact us before disputing a charge with your bank. It is faster, and we refund genuine mistakes without argument. While a bank dispute is open we can't also refund the same charge, so the account may be read-only until the dispute is settled.

We email account holders at least 30 days before a change that affects them takes effect. The version in force when you were charged applies to that charge.

Werner Mostert, a sole proprietor trading as W.MostertCo (QuoteCraft), 1290 Walter Ave, Waverley, Pretoria, South Africa. WerriesMostert@gmail.com.