Refund & Cancellation Policy

In short

• The 7-day trial every account starts with takes no card and charges nothing, so there is nothing to cancel or refund.
• You can cancel Pro at any time. Your access runs to the end of the month you have already paid for.
• We do not refund partial months, except where the law requires it — including your Consumer Protection Act cooling-off right below.
• Deleting your account cancels your subscription immediately and forfeits the rest of that month. Cancel instead if you want to use the time you paid for.

1. The free trial

Every account starts a 7-day free trial automatically on sign-up. It requires no payment card and creates no subscription. It ends after 7 days or once its upload and chat allowances are used, whichever comes first. You are never charged for a trial, so no cancellation and no refund is needed. To continue afterwards you must subscribe deliberately from the Billing page.

2. How to cancel your subscription

Go to Billing and click Manage Subscription. This opens the secure subscription page hosted by Paystack, our payment processor, where you can cancel.

Cancellation is handled on Paystack's page rather than inside Track Spend, because Paystack holds your payment mandate. There is deliberately no separate cancel button in the app — Manage Subscription is the one you want.

3. When cancellation takes effect

Cancelling stops the next renewal; it does not cut off your access on the spot. Your Pro features continue until the end of the billing period you have already paid for, and your Billing page will show the date access ends. After that date your account moves to the Free plan. Your data is not deleted by cancelling.

4. Refunds for partial months

Because you keep full access for the remainder of a period you have paid for, we do not issue pro-rata refunds for unused days of a monthly subscription, except where required by law. Your statutory rights under the Consumer Protection Act, 2008, including the cooling-off right in section 5 below, are not affected by this policy.

5. Cooling-off period (Consumer Protection Act)

In accordance with section 16 of the Consumer Protection Act, 2008, you have the right to cancel any transaction resulting from direct marketing within 5 (five) business days of the date of the transaction, without penalty and without giving any reason. To exercise this right, email support@track-spend.com within the cooling-off period. Any amount paid will be refunded within 15 business days of cancellation. This cooling-off right does not apply where services have already been fully rendered with your prior express consent before the end of the cooling-off period.

6. Failed payments

If a renewal payment fails, your subscription is marked as non-renewing and we will show this on your Billing page. Update your card through Manage Subscription to keep your Pro access. No refund arises from a failed payment, because no payment was taken.

7. Duplicate charges, errors and service failure

We will refund you in full where:

• you were charged twice for the same billing period;
• you were charged after cancelling, or charged an amount other than the advertised R 149 per month;
• a fault on our side made Pro features substantially unusable for a significant part of a billing period and we could not resolve it.

Report any of these to support@track-spend.com and we will investigate. Outside these cases, refunds are at our discretion.

8. Deleting your account

Deleting your account from Settings cancels any active subscription immediately, not at the end of the period. You forfeit the remainder of the month you have paid for, and that time is not refunded. If you want to use the time you have already paid for, cancel your subscription first and delete your account once the period ends. Account deletion permanently removes your statements, transactions, budgets and chat history and cannot be undone.

9. How to request a refund

Email support@track-spend.com from the address on your account and include:

• the email address registered to your Track Spend account;
• the date and amount of the charge;
• the Paystack reference from your payment confirmation, if you have it;
• the reason for the request.

We aim to respond within 3 business days. Approved refunds are returned to the card originally charged, via Paystack. Your bank may take a further few business days to reflect the credit.

10. Changes to this policy

We may update this policy from time to time. The version published here at the time of your transaction is the one that applies to it. Material changes will be communicated by email or in-app notice.

11. Contact

Track Spend is operated by Sikelela Tech (Pty) Ltd. For billing questions, email support@track-spend.com. See also our Pricing page and Terms of Service.