Refund Policy

Effective Date: 3/03/2026

This Refund Policy governs subscription payments processed for Loyivity platform memberships and transactions conducted between Customers and independent Vendors on the Loyivity platform.

By subscribing to a plan or making a purchase on Loyivity, you agree to this policy.

1. Membership Subscription Refund Policy

(Subscriptions Processed by Payfast)

Loyivity uses Payfast for subscription billing. This means:

  • Payfast processes payments on behalf of Loyivity.
  • Billing descriptors may reflect Payfast
  • Refunds for subscriptions are processed through Payfast in accordance with this policy.

Loyivity offers the following membership plans:

  • Silver Plan (Free)
  • Gold Plan (30-Day Free Trial, then paid subscription)
  • Platinum Plan (Paid subscription)

1.1 Silver Plan (Free)

The Silver Plan is free of charge.
No payment is collected; therefore, no refund applies.

1.2 Gold Plan (30-Day Free Trial)

The Gold Plan includes a 30-day free trial.

  • No charges apply during the trial period.
  • You must cancel before the trial ends to avoid billing.
  • If not cancelled, Payfast will automatically process payment for the first billing cycle.

Refund Terms (Gold Plan)

  • If the free trial has been used, no refund will be issued once the first paid billing cycle begins.
  • No refunds are issued for partial months.
  • No refunds are issued after the first full month of paid membership has been completed.
  • Failure to cancel before renewal does not entitle you to a refund.

1.3 Platinum Plan (Paid Subscription)

The Platinum Plan is billed monthly or yearly and processed through Payfast.

If a free trial is included and used:

  • No refunds are available once the first paid billing cycle begins.

If no free trial applies:

  • Cancellation must occur before the next billing date.
  • No refunds are issued for partial months.
  • No refunds are issued after the first full month of paid membership has been completed.

1.4 Payfast Processing & Authority

As the payment provider for Loyivity, Payfast:

  • Has the authority to process payments and approved refunds.
  • May review refund requests to prevent fraud or abuse.
  • May decline refund requests that violate this policy.

All approved subscription refunds are processed back to the original payment method.

Loyivity reserves the right to deny refund approvals that do not comply with this policy.

1.5 Non-Refundable Situations

Refunds will not be issued for:

  • Used free trials
  • Failure to cancel before renewal
  • Downgrades
  • Unused features
  • Account suspension due to policy violations
  • Termination for breach of Terms
  • Chargebacks initiated without first contacting support

2. Transaction Refund Policy

(Customer Purchases from Independent Vendors)

Loyivity is a software service platform.

For transactions:

  • Loyivity is not the seller of record.
  • Payfast does not process Vendor product or booking payments.
  • Vendors use their own independent payment gateways.

All purchases made through Vendor listings are transactions solely between:

Customer and Vendor

2.1 Vendor Responsibility

Each Vendor is independently responsible for:

  • Setting their own refund policy
  • Handling cancellations
  • Managing disputes
  • Processing refunds
  • Delivering products or services

2.2 No Liability for Vendor Refunds

Afritivity:

  • Does not hold customer funds for Vendor transactions.
  • Does not process Vendor refunds.
  • Is not responsible for Vendor performance.
  • Is not liable for product quality, cancellations, damages, or dissatisfaction.

Customers must contact the Vendor directly for any refund, cancellation, or dispute.

2.3 Payment Disputes & Chargebacks (Vendor Transactions)

For Vendor purchases:

  • Any chargeback must be handled by the Vendor and their payment provider.
  • Loyivity bears no financial responsibility for Vendor chargebacks.
  • Vendors may face account suspension for excessive disputes.

3. Subscription Chargebacks (Payfast Transactions)

For subscription payments processed by Payfast:

  • Customers must contact Loyivity support before initiating a chargeback.
  • Unauthorised chargebacks may result in account suspension.
  • Fraudulent chargebacks may be disputed by Payfast.

4. Platform Role Clarification

Loyivity is a technology platform that:

  • Provides marketplace infrastructure
  • Enables Vendor listings
  • Facilitates subscription access

Loyivity does not:

  • Act as Vendor agent
  • Guarantee Vendor performance
  • Assume liability for Vendor contractual obligations

5. Policy Modifications

Loyivity reserves the right to modify this Refund Policy at any time. Updated versions will be posted on the platform.

6. Contact Information

Subscription Billing Support (Payfast Payments):
support@ativitygroup.com

Vendor Refund Requests:
Please contact the Vendor directly via their profile or listing page.