Refund Policy

This policy applies to money paid to RHI for the use of the app, namely the monthly subscription and any registration payment. It does not apply to contributions made to a savings group, which are dealt with in section 5.

• The subscription is charged monthly and gives you access to the app for that month.
• Because access is granted immediately, we do not refund part of a month if you stop using the app before the month ends, or if you cancel part way through a billing period.
• Cancelling stops future charges. Your access continues until the end of the period you have already paid for.

Where a registration payment applies, it activates a membership and covers the setup and administration of that membership. It is not refundable once the membership has been activated, except where a duplicate or incorrect charge was made.

We will refund you in full where:

• you were charged twice for the same subscription period or the same registration;
• you were charged an amount different from the amount shown to you at checkout;
• you were charged after cancelling, for a period you did not use;
• a payment went through but the app did not grant you the access you paid for, and we cannot correct it.

RHI does not hold or receive the money that members contribute to their groups. Contributions are paid to the group's own bank account or between members, and RHI only keeps a record of them. A refund of a contribution is therefore a matter between the member and their group, and must be raised with the group's administrators. We will assist with any record that is inaccurate on our side, but we cannot pay back money we never received.

Email support@therhi.app with your full name, the email address on your account, the date of the payment, the amount, and the PayFast payment reference if you have it. Requests for a duplicate or incorrect charge should be sent within 30 days of the payment.

Once we approve a refund, it is processed through PayFast back to the original payment method. Refunds usually reflect within 5 to 10 business days, depending on your bank.

If you believe a charge is wrong, please contact us first so that we can resolve it. Raising a chargeback with your bank without contacting us may result in your account being suspended while the dispute is investigated.

We may update this policy from time to time. Any change will be published on this page with a new "last updated" date.