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Refund & Dispute Policy

Last updated: June 2026

1. Overview

StokSync, operated by Echelon Crest (PTY) LTD, is a record-keeping and coordination tool for stokvel (group savings) groups. This policy explains how refunds and payment disputes are handled for contributions made through the App.

2. Nature of Contributions

Contributions made through StokSync are payments between you and your stokvel group, facilitated by third-party payment processors (such as Yoco or PayFast). Echelon Crest (PTY) LTD does not set contribution amounts, schedules, or payout rules — these are determined by each stokvel group and its admin.

3. Incorrect or Duplicate Payments

If you believe you made a contribution payment in error, or were charged twice for the same contribution, please contact us immediately at echeloncrest584@gmail.com with your payment reference and group name. We will investigate and, where confirmed, coordinate a refund through the original payment processor.

4. Disputes Between Members and Admins

Disputes relating to stokvel contributions, payout schedules, or group decisions are between the group members and their admin, in line with that group's own rules. Echelon Crest (PTY) LTD is not a party to your stokvel agreement and does not mediate internal group disputes. We encourage groups to resolve such matters directly, and recommend keeping a written or WhatsApp record of agreements within the group.

5. Refund Eligibility

Refunds may be considered in the following cases:

  • A technical error resulted in an incorrect amount being charged
  • A duplicate payment was processed due to a system error
  • A payment was made to the wrong group due to a confirmed app malfunction

Refunds are not provided simply because a member changes their mind about a contribution already paid into a group, as this affects the group's pooled funds.

6. How to Request a Refund

To request a refund or report a payment issue:

  1. Email echeloncrest584@gmail.com
  2. Include your full name, group name, payment date and amount
  3. Attach a screenshot of the payment confirmation if available

We aim to respond to all refund requests within 5 business days.

7. Payment Processor Timelines

Approved refunds are processed back to your original payment method via our payment processor (Yoco or PayFast). Refund processing times depend on the processor and your bank, and typically take 5–10 business days to reflect.

8. Contact Us

For any refund or dispute queries, contact:
Echelon Crest (PTY) LTD
Email: echeloncrest584@gmail.com