Refund and Cancellation Policy

• You can cancel your paid subscription at any time, with no cancellation fee and no notice period.
• When you cancel, you keep full access to your paid plan until the end of the billing period you have already paid for. You will not be charged again.
• At the end of that period, your account moves to the Free plan. Your data is not deleted.
• You may request a refund within 14 days of any payment. We respond to every refund request within 5 business days.
• Every new account starts with a 30-day free trial with no payment required, so you can evaluate Tejarify before you pay.

2.1 We accept payment for Tejarify through third-party payment providers ("Payment Providers"). The Payment Provider used for a particular payment is shown at checkout and on your payment receipt. The Payment Providers we use may change from time to time; the current list is maintained in our Privacy Policy.

2.2 Payments through a reseller. Where a payment is made through a Payment Provider that acts as reseller and Merchant of Record (currently Paddle.com Market Limited, "Paddle"), that provider sells the subscription to you and issues your invoice, receipt, and any refund. That provider's own buyer terms and refund policy also apply to the payment (for Paddle, the Paddle Buyer Terms and the Paddle Refund Policy).

2.3 Payments directly to Peham. Where a payment is made through a Payment Provider that processes the payment on our behalf (for example, Safepay, or a direct bank transfer or Raast payment to Peham), Peham is the seller, and Peham issues any refund through the same Payment Provider or channel.

2.4 In either case, the cancellation and refund commitments in this Policy apply to you. Where a reseller's own policy gives you a greater right, you may rely on that right.

3.1 New accounts receive a 30-day free trial with all modules unlocked. No payment method is required to start the trial, and you are not charged when the trial ends unless you choose to subscribe to a paid plan.

3.2 The Free plan has no charge, so no refund applies to it. You may stay on the Free plan for as long as your account remains in good standing under the Terms & Conditions.

4.1 Tejarify is software delivered online. Access to a paid plan or module is activated in your account immediately after your payment is confirmed by the Payment Provider. Nothing is shipped to you under a subscription.

4.2 If your payment has been taken but your plan is not active within 24 hours, contact us (Section 12). We will activate the plan or refund the payment in full.

4.3 Tejarify does not sell or support hardware as part of a subscription. If you need hardware, we can source it for you on request. Any hardware purchase is arranged separately from your subscription.

5.1 How to cancel. You can cancel a paid subscription at any time by:

1. signing in at my.tejarify.com and cancelling from your subscription or billing settings;
2. using the subscription management link in a billing email from your Payment Provider, where your Payment Provider offers one; or
3. contacting our support team using the details in Section 12. We will process the cancellation on your behalf and confirm it in writing within 2 business days.

5.2 When cancellation takes effect. Cancellation stops automatic renewal. It takes effect at the end of your current billing period, not immediately. Until that date you keep full access to every module and feature included in your plan, including all terminals and users.

5.3 No further charges. Once you cancel, you will not be charged for any future billing period. If you are charged for a renewal after you cancelled, you are entitled to a full refund of that charge (see Section 7.2).

5.4 Changing your mind. If you cancel and change your mind before the end of your billing period, you can resume your subscription from your billing settings. Your billing cycle continues as before, with no new charge until your next renewal date.

5.5 Not using the Service is not cancellation. Deleting the Android or Windows app, closing the browser, or ceasing to use Tejarify does not cancel your subscription. You must cancel using one of the methods in Section 5.1.

6.1 At the end of the billing period in which you cancelled, your account automatically moves to the Free plan. Features, modules, add-ons, and additional terminals that are not part of the Free plan will no longer be available.

6.2 Your data is kept. Your sales, inventory, customer, supplier, and invoice records remain in your account. Records created with paid modules (for example, B2B Wholesale, Supplier Ledger, or Salesman Commissions) are retained but may be read-only or hidden until you subscribe again.

6.3 Exporting and deleting your data. You can export your data at any time. If you also wish to close your account permanently, you can request account deletion as described in our Privacy Policy. Data handling after account termination is governed by Section 15.3 of the Terms & Conditions.

6.4 Your own record-keeping. Cancelling Tejarify does not change your obligation to keep your own statutory business and tax records. If you have enabled FBR or provincial revenue authority integrations, confirm before your paid period ends that you have alternative arrangements in place for any reporting obligations that apply to your business.

7.1 14-day refund window. You may request a refund within 14 days of the date of any payment for a Tejarify subscription, including your first payment and any renewal payment.

7.2 When we give a full refund. We will give, or support with your Payment Provider, a full refund where:

1. the request relates to your first paid subscription payment and is made within 14 days of that payment;
2. you were charged in error, charged more than once for the same period, or charged for a plan you did not select;
3. you were charged for a renewal after you had cancelled (this applies even after the 14-day window);
4. your payment was taken but your plan was not activated (Section 4.2); or
5. a material part of the Service did not work as described and we were unable to resolve the problem within a reasonable time after you reported it to us (this applies even after the 14-day window).

7.3 Other requests within 14 days. Other refund requests made within 14 days of a payment are reviewed individually and may be approved in full, approved in part, or declined. Where a payment was made through a reseller (Section 2.2), the reseller makes the final decision under its own refund policy.

7.4 Partial periods. Outside the circumstances above, cancelling part way through a billing period does not by itself entitle you to a refund or credit for the unused portion of that period. Instead, you keep access to your paid plan until the end of the period, as described in Section 5.2.

7.5 Statutory rights. Nothing in this Policy limits any mandatory right you may have under the consumer protection laws that apply to you. Where such a right applies, it prevails over this Policy.

7.6 Effect of a refund. If a payment is refunded in full, the paid plan or add-on covered by that payment ends when the refund is issued and your account moves to the Free plan. Your data is kept as described in Section 6.

Except where required by law or covered by Section 7.2(2) to 7.2(5), the following are not refundable:

1. AI image credits, Munshi AI credits, or other usage-based credits that have already been used;
2. payments made more than 14 days before the refund request;
3. one-time setup, data migration, training, customisation, or integration work that has already been delivered under a Custom plan, Order Form, quotation, or Statement of Work; and
4. payments relating to an account suspended or terminated for a breach of Section 5.3 of the Terms & Conditions, including suspected fraud or misuse.

9.1 How to request. Contact our support team using the details in Section 12 and include the email address or phone number on your Tejarify account, the date and amount of the charge, and the receipt or transaction reference if you have it. For payments made through Paddle, you may also request a refund directly at paddle.net using the email address you used at checkout.

9.2 Our turnaround times.

9.3 Payment Provider and bank timelines. After we initiate a refund, the time for the money to reach you depends on the Payment Provider and your bank or card issuer:

9.4 Where refunds are sent. Refunds are returned to the original payment method or account. If that is no longer possible (for example, a closed card), we will contact you to arrange an alternative transfer in your name, after verifying your identity.

9.5 Chargebacks. Please contact us before raising a dispute or chargeback with your bank. Most billing issues are resolved faster directly. An account may be suspended while a chargeback is under review.

10.1 Upgrades. If you upgrade to a higher plan or add a module, the change takes effect immediately. Any amount due for the remainder of the current period is shown to you before you confirm.

10.2 Downgrades and module removals. If you move to a lower plan or remove a module, the change takes effect at the start of your next billing period. You keep your current plan until then.

10.3 Discounted and programme pricing. Discounts granted under our nonprofit, early-stage, or women-owned business programmes do not change your cancellation or refund rights. Refunds are calculated on the amount you actually paid.

10.4 Custom and Enterprise agreements. If you have a signed Order Form, quotation, or Statement of Work with Peham that sets out its own term, notice period, or cancellation terms, those terms apply to that agreement. Where they are silent, this Policy applies.

11.1 If you are unhappy with a billing decision, a cancellation, a refund, or any part of the Service, contact us using the details in Section 12 with a short description of the issue and your account details.

11.2 Our complaint timelines. We acknowledge every complaint within 2 business days and aim to resolve it within 10 business days. If a complaint needs longer, for example because it depends on a Payment Provider or a bank, we will tell you why and give you a revised date.

11.3 Escalation. If you are not satisfied with our response, you can ask for your complaint to be escalated to a director of Peham (Private) Limited by writing to [email protected]. We respond to escalated complaints within 10 business days.

11.4 Making a complaint does not affect your right to contact your bank, card issuer, or Payment Provider, or any other right you have under applicable law.

We may update this Policy from time to time by posting a revised version on tejarify.com with an updated "Last updated" date. Material changes that reduce your rights will be notified by email or in-Service notice at least 15 days before they take effect, consistent with Section 19.2 of the Terms & Conditions. A change to this Policy does not affect a payment made before the change took effect.