SwiftQuote AI offers a permanent free plan — 3 AI-generated quotes per month, no card required, no expiry date. The free plan is not a trial. No payment is ever collected for free plan usage. There is nothing to cancel. Simply stop using the account if you choose not to continue.
You can cancel your subscription in either of the following ways:
Once cancelled, your account stays fully active until the end of the current billing period. You will not be charged again after that date.
In accordance with Section 44 of the Electronic Communications and Transactions Act 25 of 2002 (ECTA), users who subscribed through a direct electronic transaction (website sign-up) have the right to cancel within 5 business days of their first paid subscription charge and request a full refund of that charge.
To exercise this right, email hello@swiftquoteai.co.za with your account email and the payment date. No reason is required within the statutory cooling-off window.
If you subscribe to any paid plan and decide SwiftQuote AI is not right for your business, we will issue a full refund of your first payment if you request it within 14 days of that payment date and have generated fewer than 10 quotes on the paid plan. No questions asked.
To request a refund, use any of the following — same-day processing guaranteed:
We will not ask why you are leaving, and we will not attempt to retain you. The guarantee is unconditional within the 14-day window.
Refund requests after 14 days are reviewed on a case-by-case basis.
SwiftQuote AI does not issue pro-rata refunds for partial months. If you cancel mid-cycle, you retain access until the end of the paid period with no partial refund issued.
Approved refunds are processed via Paystack back to your original payment method, typically within 5–10 business days. We charge no administration fee. Any bank currency conversion fees are outside our control.
Refunds will not be issued for:
If a payment attempt fails on the billing date, SwiftQuote AI will retry the payment over a 3-day grace period. If payment is not received within the grace period, the account will be suspended and access to generated documents will be restricted until payment is resolved.
In the event of extended platform downtime or a material service failure caused by SwiftQuote AI (not by third parties such as Paystack, Supabase or Vercel), we may offer account credits or refunds at our discretion. These will be communicated to affected users by email.
Nothing in this policy limits your rights under the Consumer Protection Act 68 of 2008. Where the CPA grants you broader cancellation or refund rights, those rights apply. You may contact the National Consumer Commission at www.thencc.org.za.
If you are unhappy with a refund decision, reply to your original email thread and request escalation. A senior team member will review within 3 business days. Unresolved disputes may be referred to the relevant consumer tribunal or court under South African law.