- Effective date
- Last updated
This Billing and Payment Policy explains how Riskscape (Pty) Ltd charges for digital subscriptions, API usage, data products, downloads, and related Services. It forms part of the Terms of Service.
1. Pricing and order disclosure
Before you complete an online purchase, the checkout, Console, quote, or order will show or explain:
- the Service, plan, data product, or download being purchased;
- the price, unit rate, included allowance, or method used to calculate the charge;
- the billing model and frequency;
- the currency and applicable taxes;
- any material minimum commitment, credit expiry, quota, overage rate, or usage threshold;
- whether the charge is one-time or recurring;
- the delivery or activation method; and
- how to cancel where recurring billing applies.
Unless stated otherwise, online prices and payments are in South African Rand (ZAR). VAT and other taxes are charged and displayed where applicable. You are responsible for taxes that law requires you to pay, excluding taxes on Riskscape's net income.
2. Billing models
Recurring subscriptions
Subscription fees are charged in advance on the disclosed monthly, annual, or other recurring date. The subscription renews automatically until cancelled. By subscribing, you authorise recurring charges for the amount shown or calculated under the accepted plan.
Metered or pay-as-you-go usage
Metered usage may be charged in arrears, when a billing threshold is reached, or on a scheduled billing date. Billable units may include API requests, returned records, data volume, processing units, generated reports, downloads, or another clearly described metric.
Our service logs are the primary usage record, but you may dispute a genuine error under section 8 below. A failed, duplicated, test, cached, or retried request is billable only as described in the applicable technical or plan documentation.
Prepaid credits or committed allowances
Prepaid amounts are charged before use and applied to eligible Services at the displayed rates. The plan will state any validity period, expiry, non-transferability, usage restriction, or overage treatment. Promotional or free credits have no cash value and are not refundable.
One-time digital purchases
A dataset, report, export, or other one-time digital item is charged when the order is accepted. Delivery occurs electronically as described at checkout or in the order.
3. Payment processing and authorisation
Paystack or another disclosed provider processes online payments. By submitting a payment method, you confirm that:
- you are authorised to use it;
- the billing information is accurate;
- we and the payment provider may validate and authorise the transaction; and
- we may charge it for the disclosed purchase, recurring renewal, metered usage, taxes, and other amounts properly due until cancellation takes effect.
Do not send us a full card number, CVV, online-banking password, EFT PIN, or one-time password by email, support ticket, chat, or file upload. Riskscape personnel will not ask for those credentials.
Card networks or payment providers may perform a small temporary authorisation or use fraud and authentication checks. Your bank may apply its own fees or currency-conversion rules.
4. Recurring-charge consent and notices
At or before subscription, we disclose the billing amount or calculation method, frequency, and cancellation method. The next charge date is shown in the Console, receipt, order, or plan where practicable.
You can stop future recurring charges by cancelling under the Cancellation Policy. Revoking a payment mandate does not remove amounts already incurred.
5. Invoices and receipts
We provide an electronic confirmation, receipt, or invoice containing appropriate transaction details. Keep your billing and tax information current. The Console may provide invoice and usage history; you may also request a copy at info@riskscape.pro.
Transaction and accounting records may be retained for seven (7) years or longer where required by law, contract, audit, or a dispute.
6. Failed or overdue payments
If a payment fails or an invoice is overdue, we may:
- retry the payment method after notice where required;
- ask you to update the payment method;
- restrict new purchases, downloads, or billable usage;
- suspend the affected Service after reasonable notice; and
- recover reasonable collection costs and interest only if disclosed, contractually due, and lawful.
We will not intentionally continue to generate avoidable metered charges after full suspension. You remain responsible for usage and commitments incurred before suspension. Restoring access may require payment of overdue amounts and successful payment-method verification.
7. Price changes
Price changes apply prospectively. For an existing recurring online plan, we will provide at least thirty (30) days' advance notice where reasonably practicable before a material increase takes effect. You may cancel before the new price applies, under the Cancellation Policy.
Rates may change immediately for a new order, after a current commitment ends, or where a change is required by tax, law, a payment network, or a third-party data licence and advance notice is not reasonably practicable. A signed order or fixed-term commitment controls for its stated term.
8. Billing questions and disputes
Review invoices and usage regularly. Report a suspected duplicate, incorrect amount, unrecognised charge, or usage-metering error promptly and within thirty (30) days after the charge or invoice. A longer non-excludable legal right is not waived.
Email info@riskscape.pro with the account name, invoice or transaction reference, affected dates, disputed units or amount, and supporting information. We may review authentication, request, response, download, payment, and audit logs.
Pay undisputed amounts when due. We will not suspend solely for a disputed amount while a timely, good-faith dispute is being investigated, unless continued access creates a material risk or other amounts remain overdue.
9. Refunds and cancellations
Approved refunds are governed by the Refund Policy. Ending recurring or future use is governed by the Cancellation Policy.
10. Security and fraud
We may decline, delay, or review a transaction that appears unauthorised, fraudulent, unlawful, or inconsistent with payment-provider rules. We may request reasonable verification but will not ask you to disclose secret payment credentials.
You must tell us immediately if an account, API key, or payment method may have been compromised. You remain responsible for use by authorised users and for failing to protect credentials, except where applicable law provides otherwise.
11. Contact
Billing support: info@riskscape.pro
Telephone: +27 76 626 0234
Riskscape (Pty) Ltd
Registration number: 2012/131998/07
Unit A-1002A, First Floor, Corobay, corner Aramist and Corobay Avenue, Menlyn, Pretoria, Gauteng, 0181, South Africa