Terms and Conditions

Idotoo is a digital credit-awareness platform that enables individuals to access, share, and review financial profile information prior to making personal and financial commitments. All services are delivered electronically.

• "Platform" — The Idotoo website, mobile application, and any associated digital tools.
• "User" / "You" — Any individual who registers for or accesses the Service.
• "Subscription" — A recurring paid plan granting access to one or more Service tiers.
• "Report" — A digital credit or financial profile document delivered through the Platform.
• "Business Day" — Monday to Friday, excluding South African public holidays.

3.1 Digital Delivery

Upon successful payment or activation of a subscription, access to the Service is granted electronically and is typically available within minutes. Reports and profile data are accessible directly through your account dashboard.

3.2 Delivery Confirmation

A confirmation email will be sent to the address registered on your account upon:

• Successful subscription activation or renewal;
• Generation or receipt of a Report; and
• Any change to your account or access level.

3.3 Delivery Failures

If you do not receive access within 24 hours of a confirmed payment, please contact support@idotoo.co.za. Idotoo is not responsible for delays caused by incorrect contact details supplied by the User or failures in third-party data providers.

3.4 Service Availability

Idotoo aims to maintain platform availability of 99% uptime, measured monthly. Scheduled maintenance will be communicated at least 24 hours in advance. Idotoo is not liable for downtime caused by circumstances beyond its reasonable control.

All amounts are quoted in South African Rand (ZAR) and are inclusive of VAT where applicable. Payment is processed securely through our authorised payment gateway. Idotoo does not store card or banking details.

5.1 Cancellation by the User

You may cancel your subscription at any time through your account settings or by contacting support@idotoo.co.za. Cancellations take effect at the end of the current billing period. You will retain access to the Service until that date.

Cancellation does not automatically entitle you to a refund. Please refer to the Refund Policy in Section 6 for applicable refund circumstances.

5.2 Immediate Cancellation

If you require immediate cancellation (e.g. due to unauthorised account activity), please contact support@idotoo.co.za. Idotoo will endeavour to action such requests within one (1) Business Day. Access will be suspended promptly upon verification.

5.3 Cancellation by Idotoo

Idotoo reserves the right to suspend or cancel your access with immediate effect if you:

• Breach any provision of these Terms;
• Provide false, misleading, or fraudulent information;
• Use the Service in a manner that is unlawful or harmful to others; or
• Fail to pay any amount due within the required period.

Where Idotoo cancels your subscription without cause, a pro-rata refund of any prepaid amounts will be issued.

5.4 Effect of Cancellation

Upon cancellation, your account data will be retained for 30 days, after which it may be permanently deleted in accordance with our Privacy Policy. Exported reports that you have downloaded prior to cancellation will remain accessible to you.

6.1 General Principle

Due to the immediate digital nature of the Service, refunds are not automatically provided upon cancellation. However, Idotoo is committed to fair treatment of all Users and will consider refund requests on the grounds set out below.

6.2 Eligible Refund Circumstances

A refund may be granted where:

• You were charged due to a billing error or technical fault attributable to Idotoo;
• You have not accessed or used the Service at all within 7 days of the charge and request a refund within that period;
• The Service was materially unavailable for an extended period during your paid term and Idotoo was unable to provide an adequate remedy; or
• Idotoo cancels your subscription without cause (pro-rata refund applies).

6.3 Non-Refundable Circumstances

Refunds will not be granted where:

• You have accessed and used the Service during the billing period;
• You cancel after the 7-day window described in clause 6.2;
• The request is based on dissatisfaction with third-party credit data accuracy (Idotoo is a technology platform and does not guarantee the accuracy of underlying bureau data);
• Your account was suspended for breach of these Terms.

6.4 How to Request a Refund

To request a refund, email support@idotoo.co.za with the subject line "Refund Request – [Your Name]" and include your account email address, the transaction date, the amount charged, and the reason for your request. Requests will be reviewed within five (5) Business Days.

6.5 Refund Processing

Approved refunds will be processed to the original payment method within seven (7) to ten (10) Business Days of approval. Processing times may vary depending on your bank or payment provider. Idotoo is not responsible for delays on the part of third-party financial institutions.

6.6 Consumer Protection Act Compliance

Nothing in this Refund Policy limits or excludes any right you may have under the Consumer Protection Act 68 of 2008 or any other applicable South African legislation. Where a conflict exists between these Terms and applicable law, the law shall prevail.

For questions, cancellation requests, or refund enquiries, please contact us at:

• Email: support@idotoo.co.za
• Website: www.idotoo.co.za