Refund Policy

1. All purchases are final

Credits, plans and top-ups are non-refundable once a purchase is completed. Because every NZcam app is free to download and try first (in the watermarked free tier), you can confirm the app works for you before paying. This policy does not affect any rights that cannot be waived under applicable law.

2. There is nothing to "cancel"

NZcam does not auto-renew subscriptions. Credit packs and Unlimited periods are one-time purchases that simply run out or expire; you are never charged again automatically, with one exception you set up yourself:

3. Auto top-up

If you turn on Auto top-up, you authorise us to charge your saved payment method for your chosen amount whenever your balance runs low while you are live. You can turn it off at any time on your billing page or in the desktop app; turning it off stops all future automatic charges. Credits already added by an auto top-up are non-refundable, in line with section 1.

4. Bank direct debit

If you pay by bank transfer, you can set up a direct debit mandate so top-ups happen automatically instead of you sending a transfer each time. Your bank approves the mandate, and it sets hard limits we cannot exceed: a maximum amount per charge and an expiry date, both shown to you before you approve. We will never charge more than that maximum, and the mandate stops working entirely once it expires.

You can cancel a mandate at any time from your billing page, and also directly with your bank — cancelling either way stops future charges. Credits already added under a mandate are non-refundable, in line with section 1. If a charge is ever taken that you did not authorise under the mandate you approved, tell us and we will refund it; the no-refunds rule in section 1 is about purchases you chose to make, and has never been a licence to keep money we should not have taken.

5. Failed charges

If an automatic charge fails — card or direct debit — no credits are added and you are not charged; you'll simply be prompted to add credits manually. A failed charge never locks your account; you drop back to the free (watermarked) tier until you top up. If a mandate keeps failing we may stop retrying it and ask you to set it up again.

6. Billing questions

If something looks wrong with a charge, contact us or email email our support team with your account email and the transaction reference. Please reach out before starting a chargeback with your bank, as we can usually resolve billing issues directly and faster.