EquityFlowSA Refund Policy

Version 1.0. Effective 11 August 2026.

This policy forms part of the EquityFlowSA Terms and Conditions.

1. The short version

Subscription fees are not refundable, except where the law requires a refund and in the cases listed below. The most important of those is the seven-day cooling-off right for a first-time subscriber.

We do not treat "non-refundable" as absolute. Most independent Skills Development Facilitators and Employment Equity consultants are sole proprietors, which makes them consumers, and consumer rights under South African law cannot be contracted away.

2. The seven-day cooling-off right

If you are a natural person, including a sole proprietor, and you are subscribing to EquityFlowSA for the first time, you may cancel within seven days of your first payment and receive a full refund of that payment, without giving a reason and without penalty.

This reflects section 44 of the Electronic Communications and Transactions Act 25 of 2002. The only charge that may be levied is the direct cost of returning goods, and since nothing physical is supplied, there is none.

How to claim it. Email hello@equityflowsa.com from the address on your account within seven days of the payment, and say you are exercising the cooling-off right. You do not need to give a reason.

When you get the money. We pay the refund within 30 days of the cancellation, and in practice within five business days. It is paid back to the card or account the payment came from.

Access ends when you claim it. The refund is of the whole payment, so the whole subscription falls away. Your data is retained for 30 days as set out in the Cancellation Policy.

We offer this on every first subscription, monthly or annual. We do not rely on the exclusions in section 42(2) of that Act.

3. What is not refunded

• Renewals. Monthly and annual renewals are not refundable. The cooling-off right applies to a first subscription, not to a payment that renews one.
• The unused part of a monthly period. Access ends immediately on cancellation and the current month is not refunded pro rata. Cancel the day before your next billing date if you want the full period you paid for.
• Periods you did not use. We do not refund because you did not log in.
• Additional Consultancy client files already billed for a period that has started.
• Change of mind after seven days, outside the cases in clause 4.

4. When we do refund

Beyond the cooling-off right, we refund in these cases:

1. Duplicate or incorrect charge. You were charged twice, or charged after cancelling, or charged the wrong plan. We refund the difference in full. Tell us and we will fix it.
2. We close your account through no fault of yours. We refund the unused portion of anything paid in advance.
3. We withdraw the service. We refund the unused portion of anything paid in advance.
4. Cancelling an annual subscription under section 14 of the Consumer Protection Act 68 of 2008. Where that section applies to you, we refund what you paid, less the months used charged at the ordinary monthly price, and charge no further penalty. The Cancellation Policy sets this out with a worked example.
5. The service was materially unavailable for a sustained period and we could not restore it. We refund a fair portion of the fee for that period.
6. Where the law otherwise requires it. This policy does not limit any right you have under the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, or any other law.

5. What a refund is not given for

A refund is not given because a report was queried, rejected or found wanting by the Department of Employment and Labour, because a compliance certificate was refused, or because an inspection did not go well. EquityFlowSA performs the calculations and drafts the forms from the information you enter. It does not verify that information and it does not certify compliance. That is set out in the Terms and Conditions and on every screen of the application.

If the service produced an arithmetically incorrect result from correct inputs, that is a defect and we want to know about it. Send it to hello@equityflowsa.com with enough detail to reproduce it. We will investigate, and if the fault is ours we will correct it and consider a refund on the facts.

6. How to request a refund

1. Email hello@equityflowsa.com from the email address on your account.
2. Say which payment you are asking about, the date and the amount, and under which clause of this policy.
3. We acknowledge within two business days and give you a decision within five business days.
4. Approved refunds are paid through Payfast to the original payment method within 30 days, and in practice within five business days. Your bank may take a further few days to reflect it.

Refunds are made in South African Rand to the original method of payment. We cannot refund to a different card or account.

7. Chargebacks

If you believe a charge is wrong, contact us before contacting your bank. Almost everything is resolved in a day. Where a chargeback is raised without contacting us first and the charge turns out to have been correct, we may suspend the account until the matter is settled.

EquityFlowSA. Marijke Vermaat, sole proprietor. hello@equityflowsa.com · https://equityflowsa.com