Refund Policy

This Refund Policy explains when TrackMinder may approve, decline or partially approve refund requests for paid subscriptions. It forms part of the TrackMinder Terms of Service.

TrackMinder is operated by [Your legal entity name] , registration number [Registration number, if applicable] , with business address at [Physical business address] .

You can contact us at support@mytrackminder.com . Phone: [Business phone number] .

Nothing in this policy limits any non-waivable consumer rights you may have under applicable law.

TrackMinder is a digital subscription service. Paid subscriptions give you access to paid features for the selected billing period. Unless required by law or approved under this policy, payments already processed are generally non-refundable.

We still want to treat customers fairly, so we review genuine billing problems, duplicate payments, accidental renewals and service-access issues on a case-by-case basis.

We may approve a full or partial refund where:

• you were charged twice for the same subscription period;
• you were charged after a valid cancellation was completed before renewal;
• there was a clear billing or payment processing error;
• you could not access paid functionality due to a confirmed TrackMinder issue that we could not resolve within a reasonable time;
• you requested a refund shortly after an initial purchase or renewal and had little or no meaningful use of the paid service; or
• the law requires a refund.

We may decline a refund where:

• the subscription was used during the paid period;
• you forgot to cancel before renewal and continued to have access to paid features;
• the request relates to dissatisfaction caused by incorrect reminder details entered by you;
• a reminder, email or notification was delayed or blocked by factors outside our reasonable control;
• your account was suspended or terminated because of breach, abuse, fraud risk or non-payment;
• the request is made long after the billing date without a legal basis or compelling reason; or
• the payment is already subject to a bank chargeback or formal dispute process.

This Refund Policy is intended to apply globally, but it does not remove any refund, cancellation, cooling-off, chargeback, payment or consumer rights that cannot legally be excluded in your country, state or region.

Some jurisdictions provide special rules for online purchases, digital services, automatic renewals or distance contracts. If a mandatory local law gives you a refund or withdrawal right, TrackMinder will honour that right even if this policy would otherwise say that a payment is non-refundable.

If you believe a local consumer law applies to your refund request, please tell us the country or region where you are located when submitting the request so that we can assess it correctly.

Where applicable, South African consumer and electronic transaction law may give consumers cancellation or refund rights in specific circumstances. Because TrackMinder is a digital service that may begin immediately after purchase, whether a statutory cooling-off right applies may depend on the facts of the transaction, your consent, and applicable law.

TrackMinder will not exclude any rights that cannot legally be excluded.

To request a refund, use the “Cancel and request refund” option in your billing page where available, or email support@mytrackminder.com with:

• your TrackMinder account email;
• the payment date and amount;
• the Paystack or payment transaction reference if available;
• the reason for the request; and
• supporting screenshots or details where relevant.

TrackMinder is a digital subscription service. Paid features may become available immediately after payment. In some countries, immediate access to a digital service can affect cooling-off, withdrawal or refund rights, especially where the customer has requested immediate access or has started using the paid functionality.

We will consider the timing of the purchase, whether paid features were accessed, whether the subscription renewed automatically, whether there was a billing error, and any mandatory consumer law that applies to the transaction.

We will review the account, subscription status, usage history, payment record, cancellation record and the reason you provide. We may ask for more information before making a decision.

If approved, the refund may be full or partial. Partial refunds may be used where only part of a billing period, duplicate charge, billing error or service interruption justifies a refund.

Approved refunds are normally issued for the amount that TrackMinder can refund through the original payment provider. Your bank, card issuer or payment provider may apply exchange-rate differences, currency-conversion fees, card fees or other charges outside our control. Unless required by law, TrackMinder is not responsible for fees charged by your bank or card issuer.

If taxes were collected and remitted, the refund of those taxes may depend on applicable tax rules and payment-provider functionality.

Approved refunds are normally processed back to the original payment method through Paystack or the applicable payment provider. Bank and card processing times are outside TrackMinder’s control. If the original refund route fails or requires additional banking details, we may ask you for the information needed to complete the refund securely.

Please contact TrackMinder before raising a bank chargeback where possible. If you raise a chargeback, the bank or payment network process may limit what we can do directly until the dispute is resolved. We may provide transaction records, usage records, cancellation records and support communications as evidence in response to a chargeback.

TrackMinder is operated by [Your legal entity name] , registration number [Registration number, if applicable] , with business address at [Physical business address] .

You can contact us at support@mytrackminder.com . Phone: [Business phone number] .