Refund and Cancellation Policy

Ikigai ADE is the trading name of Mohamed Sidiyot, an individual trading as a sole proprietor in South Africa. Last updated: 7 September 2026 · Effective: 7 September 2026

This policy explains when you can cancel, when you get money back, and how to ask. It applies to every paid Ikigai ADE plan and sits alongside our Terms of Service and Privacy Policy.

Plain summary. We do not offer a discretionary "no questions asked" money-back guarantee. What we do give you are the cancellation and refund rights South African law grants you, which we cannot and do not try to sign away, plus an automatic credit refund when our own quality check rejects an output.

1. Your statutory rights come first

Nothing in this policy or in our Terms limits a right you have under the Electronic Communications and Transactions Act 25 of 2002 (ECTA) or the Consumer Protection Act 68 of 2008 (CPA). Where anything we have written conflicts with those Acts, the Acts win and the conflicting term is void.

2. Cooling-off on your first charge (7 days)

You may cancel your first paid subscription within 7 days of the charge, for any reason or no reason, and receive a full refund of that charge. No penalty, no explanation required.

This mirrors the cooling-off right in ECTA section 44. We grant it as a contractual right on your first charge so you never have to argue about whether a software subscription falls inside the section.

How to use it: email mohamedsidiyot@gmail.com from your account address within 7 days of the charge, with the word "cooling-off" in the subject.

3. Cooling-off if we contacted you first (5 business days)

If you subscribed as a result of direct marketing from us, meaning we approached you by email, SMS, WhatsApp, voice call or Telegram rather than you finding us yourself, you have a separate right under CPA section 16 to cancel within 5 business days of the later of concluding the agreement or receiving the service, and be refunded in full.

We run outbound campaigns, so this right applies to a real share of our customers. It runs alongside the 7-day right in clause 2, not instead of it. You get whichever is more favourable to you.

4. Cancelling a monthly plan

• You may cancel at any time from your account dashboard.
• Cancellation takes effect at the end of the current billing period. You keep access until then.
• Outside the cooling-off windows above, we do not refund the unused part of a month that has already started.
• We will not bill you again after you cancel.

5. Cancelling an annual plan (CPA section 14)

An annual plan is a fixed-term agreement. If you are a natural person, or a business whose asset value or annual turnover is below the CPA threshold, then under CPA section 14 you may cancel at any time by giving us 20 business days' written notice, even mid-term.

If you do:

• We refund the unused portion of the term, calculated from the date the notice period ends.
• We may deduct a reasonable cancellation penalty. Ours is capped at the difference between what you actually paid on the annual rate and what you would have paid on the monthly rate for the months you used, so you never owe more than the discount you received. We charge nothing beyond that.
• We will show you the arithmetic before we deduct anything.

6. Credit refunds when a check rejects an output

Separately from cancellation, our Verified-Output-Rate check evaluates agent output against a second model. If a check rejects an output, the credits that task consumed are refunded to your balance automatically. You do not have to ask. This is a credit refund, not a cash refund.

7. Credit top-ups

Purchased credit packs are consumable. Unused credits are refundable within the 7-day cooling-off window in clause 2. After that, unused credits are not refundable for cash, but they do not expire while your account is active.

8. Outcome-share invoices

Where you are on a plan that includes the agent-attributed revenue share, and you believe an invoiced deal was not closed by an Ikigai-run channel, tell us within 30 days of the invoice. If the attribution record does not support the charge, we reverse it in full. Attribution is recorded per deal, so this is a question of evidence, not goodwill.

9. Service failures

If the service is not supplied to the standard you are entitled to expect under CPA sections 54 and 56, you may require us to remedy it or refund you. This right is not limited by the time windows above.

Note that AI-generated output can be wrong, and our Terms say so. Output being wrong in a specific instance is handled by clause 6. A refund under this clause is about the service materially failing, for example prolonged unavailability.

10. If we cancel your account

• We terminate for your breach of the Terms: no refund.
• We terminate without cause, or we discontinue the service: we refund the unused portion of what you have paid, pro-rata, without a penalty.

11. How refunds are paid

• Refunds go back to the original payment method through Paystack.
• We approve or decline within 7 business days of your request and tell you which, with reasons if we decline.
• Once approved, expect 5 to 10 business days for the money to reach your account, depending on your bank or card issuer.
• Refunds are paid in the currency you were charged in. We do not carry the cost of exchange-rate movement between charge and refund.

12. Chargebacks

Please contact us before raising a chargeback with your bank. If you have a valid right under this policy we will honour it, and a direct request is faster than a card dispute. Raising a chargeback does not remove your statutory rights, and we will not penalise you for exercising them.

13. If you are not satisfied with our answer

Escalate. You do not need our permission:

• Consumer Goods and Services Ombud: cgso.org.za
• National Consumer Commission: thencc.org.za

14. Changes to this policy

We may update this policy. Material changes are communicated to active subscribers by email at least 14 days before taking effect, and never applied retrospectively to a charge you have already made.

Contact

Refund and cancellation requests: mohamedsidiyot@gmail.com Tel: +27 68 695 9713