REFUND & CANCELLATION POLICY

Estate Vault Subscription

Myers Attorneys Incorporated | Review dated 8 September 2026 | Version 1.0

Policy at a glance

Topic Summary Monthly subscription R89 excluding VAT per month; R102.35 including VAT at the current 15% rate. Renews monthly until cancelled. Annual subscription R1,000 excluding VAT for 12 months; R1,150 including VAT at the current 15% rate. Paid in advance. Monthly cancellation Cancel at any time. Ordinarily takes effect at the end of the month already paid for, so the next renewal is stopped. Annual early cancellation Where the Consumer Protection Act applies, the User may cancel on at least 20 business days recorded notice, subject only to a reasonable lawful cancellation charge. Cooling-off Statutory cooling-off rights are preserved. Where Estate Vault begins immediately with the Users express consent, the ECTA seven-day cooling-off right may not apply. Non-payment Access may be suspended for an overdue subscription. After three months of continued non-payment, the account may be deactivated and vault content enters the final notice and secure deletion process. This summary does not replace the full policy below.

1. Purpose and scope

This Refund and Cancellation Policy applies to paid Estate Vault subscriptions provided by Myers Attorneys Incorporated ("Myers"). It must be read with the Estate Vault Terms of Use and Privacy Notice. Nothing in this policy excludes a right or remedy that a consumer has under mandatory South African law.

2. Subscription options

The current Estate Vault subscription options are:

Monthly plan: R89 excluding VAT per month. At the current VAT rate of 15%, the total is R102.35 including VAT per month.

Annual plan: R1,000 excluding VAT for 12 months. At the current VAT rate of 15%, the total is R1,150 including VAT for the year.

The applicable VAT-inclusive price, billing frequency and amount payable must be shown before the subscription is confirmed. If the statutory VAT rate changes, the VAT-inclusive amount may change accordingly.

3. When the subscription starts

A subscription begins after successful payment and account activation. Estate Vault is designed to provide access immediately. Where immediate activation is selected, the User expressly requests that the digital service begin immediately.

4. Monthly subscriptions

The monthly plan is billed in advance and renews automatically each month until cancelled. A User may cancel at any time through the available account function or by written or other recordable notice to Myers.

Unless applicable law requires otherwise, cancellation takes effect at the end of the monthly period already paid for. The User continues to have access until that date and no further monthly renewal will be charged.

There is ordinarily no pro-rata refund for unused days in a monthly billing period after the service has been available, except where a refund is required by law, there has been a duplicate or incorrect charge, Myers is unable to provide the paid service, or Myers agrees otherwise.

5. Annual subscriptions

The annual plan is paid in advance for a 12-month fixed term.

Where section 14 of the Consumer Protection Act applies, the User may cancel the annual fixed-term subscription at any time by giving at least 20 business days written or other recordable notice. Myers may impose only a reasonable cancellation charge permitted by law and must credit or refund any amount that remains the Users property.

A reasonable cancellation charge may take account of the discount provided for annual prepayment by recalculating the elapsed subscription period at the then-applicable monthly subscription rate, together with other factors that may lawfully be considered. The charge will not be used to remove or defeat a statutory cancellation right.

Where section 14 does not apply, an annual subscription may still be cancelled in accordance with the subscription terms and any other mandatory law that applies. Unless a statutory right or billing error requires otherwise, the annual plan is not treated as fully refundable merely because the User chooses not to use the Service during the paid term.

6. Annual expiry and renewal

Where the Consumer Protection Act applies, Myers will give the required advance notice of the approaching expiry of an annual fixed-term subscription. The notice will state the expiry date and the available continuation or renewal options.

A further fixed annual term will be created only where permitted by law and where any required agreement or choice has been obtained. If applicable law requires the arrangement to continue on a month-to-month basis after expiry unless the User directs otherwise, the then-current monthly subscription rate will apply after appropriate notice.

7. Electronic cooling-off rights

Where section 44 of the Electronic Communications and Transactions Act applies, a consumer may cancel an electronic agreement for services without reason and without penalty within seven days after the agreement is concluded, and a qualifying prepayment must be refunded within the period required by that Act.

Section 44 does not apply to services that began with the consumers consent before the end of the seven-day cooling-off period. Because Estate Vault is designed for immediate activation, the subscription process should obtain a separate express request for immediate commencement. If that consent is not obtained, this policy does not remove any cooling-off right that otherwise applies.

8. Direct-marketing cooling-off rights

If a subscription is concluded as a result of direct marketing and the Consumer Protection Act gives the consumer a cooling-off right, that statutory right remains fully available. Any refund due following a valid statutory cancellation will be processed as required by law.

9. Billing errors, duplicate charges and service failure

A User should notify Myers promptly of a duplicate debit, incorrect subscription amount or payment that cannot be matched to the account. Once verified, an incorrect or duplicate charge will be reversed or refunded.

If Myers is unable to provide the paid Estate Vault service and applicable law or the circumstances require a refund, Myers will refund the affected amount. A temporary outage, planned maintenance or a problem caused by the Users device, network or credentials does not automatically entitle the User to a full subscription refund.

10. Refund processing

Approved refunds will ordinarily be returned through the original payment method where practicable. The time taken for the credit to appear may depend on the payment provider or financial institution.

Where a statute specifies a refund period, Myers will comply with that period. In other cases, Myers will process an approved refund within a reasonable period after the amount and recipient have been verified.

11. Failed payments and non-payment

If a recurring subscription payment fails or remains unpaid, Myers may send a payment notice and suspend access while the amount is outstanding. Where a fixed-term agreement is protected by section 14 of the Consumer Protection Act, Myers will observe the statutory remedy period before cancelling the agreement for material breach.

If non-payment continues for three calendar months from the original due date, the account may be deactivated and active vault content scheduled for secure deletion or destruction. Before destruction, Myers will send a final notice and allow at least 14 calendar days to pay or request a reasonable export, subject to identity and security checks.

After secure deletion or destruction, Myers is not required to restore active vault content. Limited billing, consent, audit, security and legally required records may continue to be retained, and deleted content may persist in protected backups until the ordinary backup cycle expires.

12. Effect of voluntary cancellation on vault content

When a subscription is cancelled, the User should download or export documents they wish to keep before paid access ends. Cancellation does not turn Estate Vault into free indefinite storage. Once the paid subscription ends, Myers may deactivate the account and process remaining vault content under the retention and deletion provisions in the Terms of Use and Privacy Notice, subject to any final notice, lawful retention duty or other arrangement confirmed by Myers.

13. Separate legal-services mandates

Cancelling an Estate Vault subscription does not automatically cancel a separate attorney-client mandate, legal-services engagement or account with Myers Attorneys. Those arrangements are governed by their own terms. Likewise, termination of a legal-services mandate does not automatically create a refund of an Estate Vault subscription unless the subscription terms or applicable law provide otherwise.

14. How to cancel or request a refund

A cancellation or refund request may be submitted through an available Estate Vault account function or by contacting Myers at:

Email: caryn@myersattorneys.co.za or admin@myersattorneys.co.za

Telephone: +27 (11) 346 2422

Address: 3 Joseph Road, Silvamonte, Johannesburg, South Africa

For account security, Myers may require reasonable proof of identity and authority before changing a subscription, issuing a refund or releasing account information.

15. Changes to this policy

Myers may update this policy to reflect changes in law, subscription options, payment providers or Estate Vault operations. The current version will show its effective date. A material change will not retrospectively remove an accrued statutory right or alter a prepaid annual fee during the current paid term.

16. Governing law and statutory rights

This policy is governed by South African law. Nothing in it excludes or limits a right that may not lawfully be excluded or limited, including rights under the Consumer Protection Act 68 of 2008 and the Electronic Communications and Transactions Act 25 of 2002 where those Acts apply.

8 September 2026 | Effective date: 8 September 2026 | Version 1.0

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