Refund & Cancellation Policy

This policy explains how billing, cancellation, and refunds work for Flow Invoicer (the "Service"), operated by DDM Technology ("DDM", "we"). It applies alongside our Terms of Service. Nothing in this policy limits the rights you have under the South African Consumer Protection Act, 2008 (the "CPA").

1. Free tier

The Free tier costs nothing and requires no card. There is nothing to refund or cancel — you can simply stop using it, or delete your account at any time from Settings.

2. Paid plans & add-ons

• Paid subscriptions (e.g. Essential) and add-ons (e.g. Penny, MCP/API, the AI Bookkeeper) are billed in ZAR through our payment processor, Paystack, and include applicable taxes unless stated otherwise.
• Monthly plans renew automatically every billing period; annual plans renew every 12 months. The payment method on file is charged on the renewal date.
• We may change prices with at least 30 days' notice to existing subscribers before the change applies to them.

3. Cancelling

• You can cancel any paid plan or add-on at any time from Settings → Plan & Billing, or by emailing support@ddmtech.co.za.
• Cancellation stops future renewals. You keep access to the paid features until the end of the period you have already paid for — we do not cut you off mid-period.
• After the period ends, your workspace drops to the Free tier. Your data stays intact and you can export it at any time.

4. Refunds

Because access continues to the end of each paid period, we generally do not provide pro-rata refunds for the unused part of a period after a cancellation. However, we will refund you in the following cases:

• Duplicate or erroneous charges — if you were charged twice, or charged after a confirmed cancellation, we reverse it in full.
• Billing error on our side — if you were charged the wrong amount (for example, charged a higher tier than you selected), we refund the difference.
• Service failure — if a paid feature was materially unavailable for a sustained period due to a fault on our side and we could not resolve it, contact us and we will make it right, which may include a credit or refund.
• Your statutory rights — any refund or cancellation rights the CPA gives you as a consumer continue to apply and are not waived by this policy.

5. How to request a refund

Email support@ddmtech.co.za with the email address on your account and the charge in question (date and amount). We aim to respond within 2 business days and to process approved refunds to your original payment method within 10 business days, subject to Paystack processing times.

6. Chargebacks

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

7. Contact

DDM Technology, Cape Town, South Africa. Questions about billing or this policy: support@ddmtech.co.za.