Refund Policy

This policy explains when we refund, replace or re-send what you buy. It is part of our Terms of Use (section 5) and must be read with them. Nothing here takes away any right you have under the Consumer Protection Act 68 of 2008.

1. What we sell

Digital products only: editable Word templates and PDF guides, sold on their own or in packs, and the SignalLedger Pro subscription. There are no physical goods and nothing is shipped.

2. Delivery

Once PayFast confirms your payment, your documents are emailed to the address you gave at checkout, usually within minutes, as attachments and with a backup download link valid for 7 days (5 downloads per file). The delivery email is your receipt: it shows our name and address, the date, each item with its price, and the total paid.

3. No refund for a change of mind

Our products are digital files that are delivered immediately. Once delivered they cannot be returned, so we do not cancel orders or give refunds because you changed your mind. You confirm that you understand this with a tick box before you pay, and the same notice appears in your cart and on the payment screen. We rely on section 42(2) of the Electronic Communications and Transactions Act, under which the 7-day cooling-off right does not apply to goods that by their nature cannot be returned.

4. When we do refund

If something goes wrong on our side we put it right. Tell us and we will re-send, fix or replace the document; if we cannot, we refund what you paid for it. This applies when:

• your documents were not delivered, or the email never arrived: we re-send them at no charge, to the same or a corrected address, with a fresh 7-day link;
• a file is faulty, corrupted or will not open: we send a working file, and if we cannot, we refund that item;
• a document is not what its description said: we replace it with the correct one, or refund that item;
• you were charged twice for the same order: we refund the duplicate charge in full;
• you were charged but the order did not complete: we deliver it or refund it in full;
• a person under 18 bought without a parent's or guardian's consent: on request from the parent or guardian we cancel and refund the order (Consumer Protection Act, section 39).

5. SignalLedger Pro

Pro is a service that starts at once, so a part period is not refunded because you changed your mind. You can cancel at any time in "My account": the next debit order does not go through and Pro stays on until the end of the period you have paid for. If Pro does not work as described, tell us and we will fix it or refund the unused part.

6. How to ask for a refund or a re-send

Email support@signalledger.co.za with your order reference (it is in your delivery email and starts with SL-), the item concerned and what went wrong. We reply within 1 working day and fix delivery problems the same day wherever we can. Approved refunds are paid back through PayFast, to the card or bank account used for the payment; we do not pay refunds to a different account. Refunds are processed within 5 working days of approval, and how long the money takes to reflect depends on your bank.

7. If you are not satisfied with our answer

Ask us to escalate it to the owner at support@signalledger.co.za. If you are still not satisfied you may refer the matter to the Consumer Goods and Services Ombud (cgso.org.za) or the National Consumer Commission (thencc.org.za). This policy does not limit those rights.

8. Chargebacks

If you believe a payment was not authorised, please contact us first at support@signalledger.co.za. We investigate and refund promptly where a payment was not authorised, which is faster than a chargeback for everyone.

Last updated: 1 November 2026