Medical Aid & Payment Policy

Last Updated: 27 May 2026

This Medical Aid & Payment Policy forms part of the ClarifaiOnline.co.za Website Terms and Conditions.

ClarifaiOnline.co.za is operated by Tridev (Pty) Ltd trading as Mere-Ridge Pharmacy (“Mere-Ridge Pharmacy”, “Clarifai Online”, “we”, “our”, or “us”).

This Policy governs payments, medical aid claims, co-payments, ecommerce transactions, payment verification, and related financial processes applicable to products and services offered through ClarifaiOnline.co.za.

By placing an order, submitting medical aid information, or making payment through this website, you acknowledge and agree to this Medical Aid & Payment Policy.

1. Payment Methods

Mere-Ridge Pharmacy may accept approved payment methods made available through the website from time to time, including:

• online card payments;
• electronic funds transfer (EFT);
• medical aid submissions where applicable;
• approved digital payment services;
• or other authorised payment methods.

Available payment options may change without prior notice.

2. Payment Processing

Electronic payment transactions are processed through secure third-party payment gateway providers.

Mere-Ridge Pharmacy does not store full card or banking details on its systems.

All transactions remain subject to:

• payment authorisation;
• fraud prevention procedures;
• bank verification;
• and regulatory compliance requirements.

3. Payment Verification

Mere-Ridge Pharmacy reserves the right to:

• verify customer identity;
• request supporting documentation;
• delay order processing pending verification;
• or cancel transactions suspected of fraud, misuse, or unlawful activity.

Orders will only be processed once payment verification procedures have been successfully completed.

4. Medical Aid Claims

Where medical aid claim submission services are offered, claims may be submitted to participating medical schemes or administrators on behalf of patients where reasonably possible.

Submission of a medical aid claim does not guarantee:

• medical aid approval;
• payment by the medical scheme;
• or coverage of products, medicines, or services.

Medical aid funding decisions remain subject to the rules, benefits, formularies, and policies of the applicable medical scheme.

5. Patient Responsibility for Payment

Patients remain responsible for:

• all rejected claims;
• co-payments;
• shortfalls;
• non-covered items;
• deductibles;
• or any outstanding balances not paid by the medical aid scheme.

Mere-Ridge Pharmacy reserves the right to request payment directly from the patient where claims are declined, reversed, unpaid, or partially settled.

6. Co-Payments and Shortfalls

Where medical aid schemes only partially cover products or services, patients may be required to pay:

• co-payments;
• benefit shortfalls;
• or non-funded portions of the transaction.

Orders may be delayed pending settlement of outstanding amounts where applicable.

7. Pricing and Billing

All prices displayed on the website are in South African Rand (ZAR) unless otherwise stated.

Mere-Ridge Pharmacy reserves the right to:

• amend pricing without prior notice;
• correct pricing or billing errors;
• cancel affected orders;
• or issue refunds where appropriate.

Invoices, statements, and payment confirmations may be issued electronically.

8. Fraud Prevention and Security

Mere-Ridge Pharmacy reserves the right to monitor, review, and investigate transactions for:

• fraud prevention;
• security verification;
• payment abuse;
• medical aid misuse;
• or suspicious activity.

Transactions suspected of fraud or unlawful conduct may be delayed, cancelled, or referred for investigation.

9. Chargebacks and Payment Disputes

Customers are encouraged to contact Mere-Ridge Pharmacy directly regarding payment concerns before initiating chargebacks or payment disputes.

Where chargebacks, reversals, or payment disputes occur, Mere-Ridge Pharmacy reserves the right to:

• suspend accounts;
• delay future orders;
• recover outstanding amounts;
• or provide transaction records to payment providers or authorities where necessary.

10. Refunds

Refunds remain subject to the Mere-Ridge Pharmacy Refunds & Returns Policy.

Approved refunds will generally be processed using the original payment method where reasonably possible.

Refund processing times may vary depending on:

• payment gateway processing;
• bank processing times;
• verification procedures;
• or regulatory requirements.

11. Electronic Communications

By using ClarifaiOnline.co.za, you consent to receiving electronic communications relating to:

• payments;
• invoices;
• medical aid claims;
• account notifications;
• payment confirmations;
• and transaction-related communications.

12. Limitation of Liability

To the fullest extent permitted by law, Mere-Ridge Pharmacy shall not be liable for:

• medical aid claim rejections;
• scheme-related delays;
• payment gateway downtime;
• bank processing delays;
• or financial losses arising from third-party systems beyond reasonable control.

Nothing in this Policy excludes liability where prohibited by South African law.

13. Amendments to this Policy

Mere-Ridge Pharmacy reserves the right to amend this Medical Aid & Payment Policy at any time.

Updated versions will be published on the website and become effective upon publication.

14. Contact Information

For payment or medical aid-related queries, please contact:

Tridev (Pty) Ltd trading as Mere-Ridge Pharmacy
99 Buldana Road
Merebank
Durban
KwaZulu-Natal
4052
South Africa

Landline: 031 015 5554
WhatsApp: 062 557 4089
Email: info@clarifaihealth.co.za