ECTA & CONSUMER PROTECTION ACT COMPLIANCE

Refund, Cancellation, and Return Policy

Effective Date: 1 March 2026 · Rack City Finance (Pty) Ltd t/a Gemma Tax Engine (CIPC Reg No: 2024/563250/07 · https://gemmatax.co.za)

As Gemma Tax Engine provides immediate digital software licensing and automated data processing, our refund policy complies with South Africa’s Electronic Communications and Transactions Act (ECTA) No. 25 of 2002 and the Consumer Protection Act (CPA) No. 68 of 2008.

1. Subscription Cancellations

• Self-Service Cancellation: You may cancel your Gemma Tax Engine software subscription at any time via your account settings dashboard or by emailing support@gemmatax.co.za.

• End-of-Cycle Effect: Cancellations take effect at the end of your current paid billing period. You will retain full access to your account and historical records until the billing cycle concludes.

2. Refund Eligibility

• 7-Day Initial Guarantee: If you sign up for a paid tier and have not processed bank statement ingestion or generated automated SARS statutory tax schedules, you are eligible for a 100% full refund within 7 calendar days of initial payment.

• Technical Processing Failures / Duplicate Charges: If a billing glitch, duplicate transaction, or system downtime prevents the execution of core services, a 100% full refund will be granted immediately upon request.

• Non-Refundable Circumstances: Refunds cannot be issued once digital services have been fully rendered, bank statement ledgers have been ingested, or automated statutory tax calculations have been generated and consumed for the active billing cycle.

3. Requesting a Refund

Send an email to support@gemmatax.co.za including your full name, registered email address, date of transaction, and Payfast payment reference. Approved refunds are credited exclusively back to the original bank card or account via Payfast within 5 to 10 business days.

4. Registered Corporate Contact Details

Entity Name: Rack City Finance (Pty) Ltd t/a Gemma Tax Engine · CIPC Registration Number: 2024/563250/07 · Company Address & Registered Address: 56 St Ives Road, Bellair, Queensburgh, Durban, 4096 · Contact Number: 079 432 5720 · Support Email: support@gemmatax.co.za · Website: https://gemmatax.co.za