Refund & Cancellation Policy

Effective date: 17 September 2026  ·  Originally effective: 15 July 2026

The short version: subscriptions are billed monthly or annually and are non-refundable once charged — but you keep access until the end of your billing period. Contact us within 30 days of your initial subscription if you believe you were charged in error.

This policy applies to all paid subscriptions to Orchard (the "Service"), operated by OrchardSA. By subscribing to a paid plan, you agree to this policy.

1. Free Plan

The Free plan (up to 5 holdings) is available at no cost with no billing and no cancellation required. You may delete your account at any time by emailing hello@getorchard.co.za.

2. Subscriptions

Paid plans are billed monthly or annually, whichever you choose when you subscribe. The fee for the chosen period is charged in full immediately:

Subscriptions taken out before 16 September 2026 are not moved to the new pricing and continue at the price paid then. The price of an active subscription may be adjusted from time to time in line with inflation. Any such adjustment is calculated on the price that subscription is paying at the time and takes effect from the first renewal after at least 30 days' notice by email.

Monthly subscriptions renew on the same date each month, and annual subscriptions on your billing anniversary. For annual subscriptions you will receive an email reminder at least 7 days before your renewal date; monthly subscriptions are not reminded before each debit, and your next billing date is always shown on your billing page.

3. Refund Policy

Subscription fees are non-refundable once charged, except where required by South African consumer protection law.

We do not offer pro-rata refunds for the unused part of a billing period. If you cancel after a fee has been charged, you retain access to paid features until the end of the current billing period — the end of the month you have paid for, or the end of the year.

Exception: If you experience a billing error (e.g. a duplicate charge), contact us within 30 days and we will investigate and issue a full refund if the error is confirmed.

4. How to Cancel

To cancel your subscription:

After cancellation, your account reverts to the Free plan (5 holdings). Your data is retained for 90 days, after which it may be deleted. If you wish to delete your account and all data immediately, state this in your cancellation email.

5. Subscription Upgrades and Downgrades

The paid plans are Orchard Pro and Orchard Enterprise 10. Subscribers on the withdrawn Orchard plan keep it on the same terms until they cancel.

Moving to a plan with a lower fee takes effect at the next renewal date. No partial refund is issued for the remainder of the period already paid for.

6. Disputes

If you believe you have been charged incorrectly or wish to dispute a transaction, contact us at hello@getorchard.co.za within 30 days of the charge. We will respond within 3 business days. You may also contact PayFast directly if you have a payment dispute.

7. Consumer Rights

Nothing in this policy limits your rights under the Consumer Protection Act 68 of 2008 (South Africa) or any other applicable South African legislation.

8. Contact

Questions about this policy? Email us at hello@getorchard.co.za.