Refund Policy

1. What can be refunded

Only the subscription paid to Kotiza can be refunded. Contributions to tontines (savings circles) never go through Kotiza: a disagreement about a contribution is settled with the group's organizer.

2. Your first payment

If Kotiza is not right for you, ask for a refund of your first payment within 14 days after that payment. We refund it in full, without asking you why.

3. Later months

After these 14 days, you can ask for a refund of the time you have left. We refund the whole months that remain until your due date, at the price you paid: the amount you paid divided by the number of months it covered. The month under way is not refunded, and you keep your plan until it ends. This rule does not take away any of the rights that the law of your country gives you. Paddle's refund policy also still applies to a payment in euros or dollars. A service that does not work as described can still be refunded.

In euros or dollars, you can stop the subscription at any time with the link in your Paddle receipt, and no further month is charged. In CFA francs, there is nothing to stop: the subscription does not renew automatically.

4. Payment errors

We always refund the following payment errors. Tell us about them as soon as you see them.

• the same month paid twice;
• an amount higher than the price you were asked to pay;
• a charge made after your subscription was stopped.

5. If you paid in CFA francs

Write to contact@getkotiza.com with the number you paid from and the Wave or Orange Money transaction reference. If the refund is accepted, the money is sent to that same number within 7 business days of your request.

6. If you paid in euros or dollars

These payments are collected by Paddle.com, our reseller and Merchant of Record for these orders. For the cases in sections 2 and 4, write to us at contact@getkotiza.com: we start the refund ourselves from our Paddle account. You can also ask Paddle for it with the link in your receipt, on paddle.net.

In the European Union and the United Kingdom, these rules are in addition to the right of withdrawal (right to cancel) provided by law, and do not replace it. Once the refund is accepted, Paddle returns the money to the payment method you used: it usually takes 2 weeks.

7. After a refund

If we refund your first payment, your subscription stops on the day of the refund. If we refund the months that remain, it stops at the end of the month under way. If we refund an error, we return only the extra amount, and your subscription continues. In all cases, your tontines, their members, and their history stay intact.

Legal notice

Publisher:

Ascend International Professional Service SUARL

RCCM:

SN.DKR.2024.B.30459

NINEA:

011403467

Registered office:

SICAP Dieuppeul 02, Villa n° 2458-D, Dakar, Sénégal

Publication director:

Madogal Tall

Sales in euros and dollars:

Paddle.com, our reseller and Merchant of Record; service provided by Ascend Intelligences LLC, registered in Maryland (United States) under No. W27302025

Contact:

contact@getkotiza.com