Billing, Payments & Refund Policy

Billing & Payment

When you purchase a paid subscription or service, you agree to provide complete and accurate billing information, including a valid, internationally accepted payment method. By subscribing, you authorise Cardz.Mobi to charge your nominated payment method on each agreed periodic renewal date until you cancel.

• All amounts are displayed and charged in United States Dollars (USD) unless otherwise stated. Your bank or card issuer may apply its own currency conversion rates and fees when charging a non-USD account.
• You are responsible for all applicable taxes. Where required by law, tax (including VAT at the prevailing rate) will be charged and reflected at checkout.
• If a payment cannot be processed, we may suspend your access to paid features and deactivate your digital cards until the outstanding amount is settled.
• You must notify us immediately of any changes to your billing information.

Payment Processing via Paddle

Our order process is conducted by our online reseller and merchant of record, Paddle (paddle.com). Paddle is the seller of record for all purchases: your payment is made to Paddle, and by making a payment you also agree to Paddle’s checkout terms and privacy policy.

• Cardz.Mobi does not store your full card details. Payment credentials are handled and held securely by Paddle, a PCI DSS-compliant payment provider.
• Accepted payment methods include major credit and debit cards, PayPal, Apple Pay, Google Pay, and other methods supported by Paddle in your region from time to time.
• Applicable sales tax or VAT for your country is calculated, collected, and remitted by Paddle and shown at checkout before you pay.

Subscriptions & Renewal

Paid subscriptions renew automatically at the end of each billing period (monthly or annually, as selected). You will receive a renewal reminder before each charge. To avoid renewal charges you must cancel before the renewal date.

Cancellation

You may cancel your paid subscription at any time through your account settings or by contacting us at [email protected]. Upon cancellation:

• You retain access to paid features until the end of the current billing period.
• No further charges will be made after the current period ends.
• Payments already made remain covered by our Refund Policy in Section 5, which gives you a full refund on any purchase made within the last 14 (fourteen) days.

Refund Policy

We offer a full refund on any purchase made within 14 (fourteen) days of the transaction date. You do not need to give a reason, and no amount is withheld from the refund.

To request a refund, email [email protected], or contact Paddle directly at paddle.net — Paddle is our merchant of record and processes refunds on our behalf. Refunds are returned to the original payment method, in the original currency of the transaction (USD).

The following apply in addition to the 14-day refund above, and never in place of it:

• Service discontinuation: If Cardz.Mobi discontinues a service for which you have prepaid, you will receive a pro-rata refund for the unused portion, regardless of how long ago you purchased.
• Billing error: If you were incorrectly charged due to a technical or administrative error on our part, we will issue a full refund of the incorrectly charged amount, regardless of how long ago you were charged.
• Your statutory rights: Nothing in these Payment Terms limits your rights under the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002, or any other consumer protection law that applies to you.

Price Changes

We may change our subscription prices from time to time. If we increase a subscription price, we will give you at least 30 (thirty) days’ advance notice by email or in-app notification. Any price increase will take effect on your next renewal date, giving you the opportunity to cancel if you do not agree to the new price. Continued use of the service after the renewal date constitutes acceptance of the revised price.

Suspension & Termination

You are free to stop using our services at any time. Cardz.Mobi reserves the right to suspend or terminate your account if:

• You breach these Payment Terms or our main Terms of Service.
• We are required to do so to comply with applicable law.
• Your use of our services poses a risk or harm to Cardz.Mobi, other users, or third parties.
• Payment obligations remain outstanding for more than 14 (fourteen) days after the due date.

If you believe your account has been suspended or terminated in error, contact us at [email protected] to submit an appeal.

Discontinuation of Services

Cardz.Mobi may decide to discontinue any service. If we discontinue a service for which you hold an active paid subscription, we will give you reasonable advance notice and issue a pro-rata refund for any prepaid, unused portion of your subscription.

Disputes

Any payment dispute must be raised with us at [email protected] within 30 (thirty) days of the charge date. These Payment Terms are governed by the laws of the Republic of South Africa. Any unresolved disputes will be subject to the jurisdiction of the South African courts.