Refunds and cancellation

New accounts start on a free trial. No card is needed and nothing is billed, so there is nothing to refund. If you do not subscribe, you simply stay on the trial's limits.

You can cancel any time from the billing page in your account settings. No phone call, no notice period. Billing stops and you keep your plan until the end of the period you have already paid for, after which your account is no longer billed. Your data is not deleted when you cancel.

Closing your account entirely also cancels the subscription at PayFast.

• Partial periods: we do not refund the remainder of a billing period after you cancel. You keep full access until the period ends instead.
• Billing errors: if we ever bill you incorrectly, for example a duplicate charge or a wrong amount, tell us and we will refund the difference in full.

To request a refund for a billing error, email support@ratemate.co.za from your account's email address with the payment date and amount. We respond within a few business days, and approved refunds go back to the card that paid.

• Upgrades take effect immediately, with a pro-rata charge for the remainder of the current billing period.
• Downgrades take effect at the end of the current billing period, so you are never charged for less than you received.

Top-ups are once-off purchases of extra notifications, available on plans that send notifications. The credits are added to your account as soon as PayFast confirms the payment, never expire and carry over month to month. Because they are delivered immediately and do not expire, top-ups are not refundable once credited, except for billing errors as above.

If a renewal payment fails, sending is suspended until payment is brought up to date. Your data is not deleted for non-payment.

Anything unclear, or a situation this page does not cover? Email support@ratemate.co.za and a person will sort it out with you.