Refund Policy

This policy covers refunds and cancellations for Banklink subscription plans and wallet credit purchased through banklink.co.za. It applies alongside the Terms of Service, and takes precedence over Section 6.5 of those Terms where the two differ.

Paddle.com Market Limited acts as the merchant of record for these purchases. Payments are processed by Paddle, invoices and receipts are issued by Paddle, and approved refunds are returned by Paddle to the original payment method.

Fees agreed under a separate order form or enterprise pricing schedule are governed by that document rather than this policy.

A new subscription may be refunded in full within 14 days of the first charge. Request it within that window and the full amount is returned, whether or not fetch jobs were run.

Renewal charges are not refundable. This applies to both monthly and annual renewals. Cancel before the renewal date to avoid the next charge.

You may cancel at any time. Access continues until the end of the period already paid for. Outside the 14-day window described in 2.1, the unused remainder of a paid period is not refunded.

A change of plan takes effect on the next billing date. Moving between plans mid-period does not generate a refund or a pro-rata credit.

Unused wallet credit is refundable on request. The unspent balance is returned to the original payment method; there is no time limit on asking.

Credit already consumed by completed fetch jobs is not refundable, since the work was performed and the data delivered.

Failed fetch jobs and cached API reads are not charged. If a job fails, no credit is deducted and there is nothing to refund.

Duplicate charges, charges to a cancelled subscription, and amounts billed in error are refunded in full once confirmed. The 14-day window in 2.1 does not apply to these.

If you were charged for a fetch job that returned no data because of a fault on the Banklink side, the credit is returned to your wallet or refunded, at your choice.

Bank-side outages, changed bank credentials, and expired end-user consent are not Banklink faults. Jobs that fail for those reasons are not charged in the first place, per 3.3.

Email support@banklink.co.za from the address on the account. Include the Paddle transaction or invoice number from your receipt, and say what you are asking to be refunded.

We acknowledge refund requests within 2 business days and decide within 5 business days. If a request is declined, we say why.

Approved refunds are issued by Paddle to the original payment method. The amount usually appears within 5 to 10 business days, depending on your bank or card issuer.

Refunds are made in the currency of the original charge. Where a card issuer applied a conversion, the amount you receive may differ slightly because of exchange rate movement between the two dates.

Refunds are not available for accounts terminated for breach of the acceptable use provisions in Section 7 of the Terms of Service.

Not using the Services during a paid period is not on its own a ground for a refund, outside the 14-day window in 2.1.