CSF Return and Refund Policy

Thank you for using the Community Saving Fund (CSF) platform via our website and mobile application. If, for any reason, you are not completely satisfied with your purchase, we encourage you to carefully review our Return and Refund Policy. This policy applies to all digital services and subscription-based purchases made on the communitysavingfund website and communitysavingfund app.

Interpretation and Definitions

Interpretation

Capitalized words have specific meanings as defined in this section. These definitions apply regardless of singular or plural usage.

Definitions

Application: refers to the mobile app provided by the Company and downloaded by You, titled CommunitySavingFund.
Company: ('the Company', 'We', 'Us', or 'Our') refers to Coltnet Enterprise Ltd, Plot 30459 Chalala, Off Mumba Kapumpa Rd, Chalala, Lusaka.
Platform: refers to the Application and/or Website where Services are offered.
Services: refer to all digital products, features, or tools available on the Platform, including subscription-based content.
Subscription: means your agreement to receive and pay for access to Services periodically (e.g., monthly, annually).
Website: refers to our website accessible at https://communitysavingfund.com.
You: refers to the individual or entity using our Platform.

Subscription Cancellation and Refund Rights

We offer a 7-day cooling-off period for all new subscription purchases.

Cancellation Window

You may cancel your subscription within 7 calendar days of the original purchase date for a full refund, provided you have not extensively used or consumed the content during this period.

How to Cancel

To cancel your subscription and request a refund, please notify us via a clear written request. You can do this by:
- Visiting our Contact Page: https://communitysavingfund.com/contact-us

Your cancellation request must include:
- Your full name
- Transaction ID or proof of payment
- Subscription start date

Refund Process

Once your request is validated, we will process your refund within 14 business days. Refunds will be issued using the same method of payment you used during the purchase, minus any applicable transaction or service fees.

Conditions for Subscription Refunds

To be eligible for a refund:
- Your subscription must be canceled within 7 days of the original transaction.
- You must not have excessively used the content or features, as defined by system usage logs.
- You must provide valid proof of purchase (e.g., receipt, invoice, or transaction ID).


We reserve the right to deny refunds if:
- More than 7 days have passed since the purchase.
- The content or service was extensively used during the trial period.
- You have received refunds previously under similar circumstances (i.e., repeat refund requests).

Non-Refundable Services

Certain services and content are non-refundable, including:
- Subscriptions purchased at a discounted rate or part of a promotional offer.
- One-time payments for downloadable content or add-ons.
- Any services or digital products that have been fully accessed or consumed.

This exclusion may not apply to you where not permitted by applicable law.

Returns or Reversal of Services

As our services are digital and intangible, there is no need to return physical items. However: - You are responsible for ensuring that your cancellation request is successfully received and acknowledged by CSF.
- Refunds cannot be processed without confirmation of payment and service usage logs.

Contact Us

If you have any questions about our Return and Refund Policy or wish to initiate a cancellation, please contact us at:
- Website: https://communitysavingfund.com/contact-us