Refund & Cancellation Policy

This policy explains how billing, cancellations and refunds work for TorenOne (the “Service”), operated by FINCREST PTY LTD (registration number 2025/522652/07). It forms part of, and should be read with, our Terms of Service. Payments are processed by our reseller and Merchant of Record, Paddle, and refunds are handled in line with Paddle’s buyer terms.

1. Refunds

If you are not satisfied with a purchase, you may request a refund within 14 days of the transaction. Approved refunds are returned to your original payment method through Paddle.

2. Cancelling a subscription

You can cancel your firm subscription at any time, from your account or by contacting us. Cancellation stops future renewals; you keep access until the end of the current billing period.

3. How to request a refund or cancel

Email us at admin@torenone.com with your account email and the purchase in question, or request a refund directly through Paddle using the receipt you received. We aim to respond within 5 business days.

4. Your statutory rights

Nothing in this policy limits any rights you have under South African law, including the Consumer Protection Act 68 of 2008, that cannot lawfully be excluded.

5. Changes

We may update this policy from time to time; the “last updated” date above reflects the current version. Material changes will be notified.