Refund & Cancellation Policy

Effective date: 15 July 2026

This policy applies to all paid subscriptions to Orchard (the "Service"), operated by Orchard SA. 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. Annual Subscriptions

Both paid plans are billed annually. The full annual fee is charged immediately when you subscribe:

• Orchard Pro: R199 per year

Subscriptions renew automatically each year on your billing anniversary. You will receive an email reminder at least 7 days before your renewal date.

3. Refund Policy

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

We do not offer pro-rata refunds for unused months of a subscription. If you cancel after the annual fee has been charged, you retain access to paid features until the end of the current billing 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:

• Email hello@getorchard.co.za with the subject line "Cancel subscription" and your registered email address.
• We will confirm cancellation within 1 business day.
• Your paid access continues until the end of your current billing period.

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

Orchard Pro is the only paid plan. Subscribers on the withdrawn Orchard plan keep it on the same terms until they cancel.

Downgrading from Pro to Orchard takes effect at the next renewal date. No partial refund is issued for the remainder of the Pro period.

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.