Refund Policy

Email support@ignitemd.co.za with the learner's name, the payment reference, and the reason for the request. We review each request against this policy and the Consumer Protection Act. Do not cancel a card payment through your bank as a first step — that can delay the outcome and may still leave the account owing.

If you conclude the agreement electronically, section 44 of ECTA gives you a right to cancel without reason and without penalty within seven days of concluding it, by emailing support@ignitemd.co.za. We will refund amounts paid.

This cooling-off right does not apply where we have begun performing the services with your consent (for example, the account has been activated and tutoring, mentorship or a programme has started), or in the other cases listed in ECTA sections 42 and 44.

If you entered this agreement as a result of direct marketing, you may also have a five-business-day cooling-off right under section 16 of the CPA.

After the cooling-off period (or where it does not apply), the following applies, always subject to your CPA rights for services that are defective, not performed, or not performed to the standard reasonably expected:

• Registration fee. Once we have processed registration and activated the account, the registration fee is an administrative fee and is not refundable, except as required by the CPA.
• Monthly tuition. You may cancel ongoing tuition by written notice to support@ignitemd.co.za. Cancellation takes effect at the end of the current billing month if notice is received at least five business days before that month ends; otherwise it takes effect at the end of the following billing month. We do not refund a month that has already started, except as required by the CPA.
• Programme and camp fees. If you cancel more than seven days before the start date, we will refund the programme fee in full. If you cancel within seven days of the start date, we may retain a reasonable amount for costs already incurred (CPA section 17). Once the programme or camp has started, fees are not refundable except as required by the CPA.

Card payments through Paystack. We refund to the original payment method via Paystack (full or partial). We initiate agreed refunds from the Paystack Dashboard within 15 business days of approving your request. The funds typically appear in 3–10 working days after we initiate the refund, depending on your bank. Paystack's processing fees on the original charge are not returned to us and are not included in the refund.

EFT payments. Payments made by EFT (outside Paystack) are refunded by EFT to the South African bank account you nominate. These refunds are not processed through Paystack. We pay agreed EFT refunds within 15 business days of approval.

If we cancel a programme entirely, we refund the programme fee. If we discontinue a paid service entirely, we refund unused prepaid fees for that service. We are not responsible for your travel or related personal costs unless the CPA requires otherwise.

If a card charge is disputed with the bank, we will respond with evidence of the agreement, the payment, and the service supplied. A successful chargeback does not, on its own, cancel the learner's outstanding fees. Please contact us first so we can resolve the matter under this policy.

Refund requests and questions: support@ignitemd.co.za.

This policy forms part of our Terms and Conditions. If anything here conflicts with a right you have under the CPA or ECTA that cannot lawfully be limited, that right applies.