Effective date: 14 October 2026. Applies to FIN Accounting OS by Sthwalo Holdings (Pty) Ltd.
Nothing in this policy limits any right you have under South African law, including the Consumer Protection Act and the Electronic Communications and Transactions Act where they apply to you. If your statutory rights give you more than this policy does, your statutory rights win.
FIN offers a permanent free plan — every feature for one company, up to 50 posted records and printed reports a month, with no card and no countdown. We would rather you find out FIN is not right for you on the free plan than argue about a refund afterwards — please use it.
If you are within 14 days of your first payment to us and FIN is not right for you, tell us and we will refund that payment in full. You do not need to give a reason. This applies to your first payment only.
After the first 14 days, subscription fees are generally not refundable, because you have had access to the service for the period you paid for. We will refund pro-rata where we terminate for our own convenience, where we materially breach the agreement and do not fix it within a reasonable time, or where we got the billing wrong (a duplicate charge, a charge after valid cancellation, or a charge at the wrong rate — corrections have no time limit).
We do not refund where you changed your mind after the 14-day window, did not use the service during a paid period, or are dissatisfied with an outcome that depends on data you entered. FIN is not connected to SARS, SARS eFiling or any bank feed — you export or print reports and submit them yourself, and expecting otherwise is not grounds for a refund. We also do not refund where access was suspended or terminated for breach.
Contact us at [email protected] to cancel. You keep access until the end of the period you have already paid for; cancelling does not by itself trigger a refund of that period. Downgrades take effect at the end of your current billing period. Please export anything you need before you cancel — after your subscription ends, your data is retained for 30 days for export and then deleted, except where the law requires us to keep it.
Email [email protected] with the account and company name and the payment you are asking about. We will acknowledge within 2 business days, decide within 10 business days, and pay approved refunds within 10 business days of the decision. Refunds go back to the way you paid: a card payment is refunded to the same card through Paystack, and a payment made by electronic funds transfer is refunded to the account it came from. Once we release a card refund, your bank may take a few further working days to show it. If you believe a charge is wrong, please contact us before raising a bank chargeback — we will almost always resolve it faster.
This page is intended to support POPIA, PAIA, consumer and payment transparency requirements for the app. It should be reviewed by a South African legal practitioner before being treated as final legal advice.