Refund Policy

1. General principle

Indoh Market Data provides digital market data, analytics tools, and subscription-based software. Because access is delivered electronically and often consumed immediately, refunds are not offered as a standard practice once a subscription has started and the digital service has been accessed.

There are no physical products to return. Service delivery is described in our Delivery Policy.

2. When a refund may be considered

We will review a refund request only in limited circumstances, including:

• Duplicate billing: You were charged twice for the same subscription period or product. This is rare, but if it occurs we will refund the duplicate amount after verification with our payment provider.
• Unauthorized charge: A payment was processed without your authorization and you notify us promptly.
• Technical failure: A verified platform fault prevented you from accessing a paid feature for a sustained period, and we cannot restore access within a reasonable time.

3. What is not refundable

• Change of mind after subscribing or using the platform.
• Partial use of a subscription month or unused time on a plan you no longer want.
• Market losses, trading outcomes, or dissatisfaction with market commentary or data.
• Third-party broker, payment, or connectivity fees outside our control.

4. How to request a refund

Email info@indohmarketdata.co.za within 14 days of the charge with your account email, transaction reference, and a clear description of the issue. We respond within 5–10 business days.

5. Processing

Approved refunds are returned to the original payment method where possible. Processing times depend on your bank or card issuer and may take 5–15 business days after approval.

6. Consumer rights (South Africa)

Nothing in this policy limits your rights under the Consumer Protection Act, 68 of 2008, where applicable to your transaction. Where the law requires a remedy we will comply.

7. Governing law

This Refund Policy is governed by the laws of the Republic of South Africa. Disputes will be handled in accordance with our Terms & Conditions.