Payment and Refund Policy
Last updated: 21 September 2026
Scope of the Policy and the Products or Services It Covers
This Payment and Refund Policy applies to all purchases of programming courses and related digital educational services offered through the commercial website operated by reportvixel. The policy covers online course access, subscription-based learning modules, downloadable resources, and any bundled digital content associated with programming education. It governs transactions made by individuals and businesses located in Singapore and explains how payments are processed, when contracts are formed, and the conditions under which refunds may be granted. This document does not apply to third-party services or physical goods sold separately.
Prices, Currencies, Taxes, and Any Additional Charges
All listed prices are in Singapore Dollars (SGD) unless otherwise stated. Prices include Goods and Services Tax (GST) at the prevailing rate of nine percent where applicable under Singapore law. Additional charges such as payment processing fees may apply depending on the selected payment method. reportvixel reserves the right to adjust prices for new enrolments, but existing confirmed bookings remain at the price agreed at the time of purchase. Currency conversion fees charged by banks or payment providers are the responsibility of the customer and are not included in the displayed price.
Accepted Payment Methods, Payment Authorisation, and Payment Security
Accepted payment methods include major credit and debit cards, bank transfers, and authorised digital wallets compliant with Singapore regulations. Payments are authorised in real time through secure gateways. Authorisation does not constitute final acceptance of the order; reportvixel may decline transactions suspected of fraud or policy violation. All payment data is handled by PCI-DSS compliant processors; reportvixel does not store full card details. Customers receive an email confirmation once payment is successfully processed.
Order, Booking, or Service Confirmation and When a Contract Is Formed
A contract is formed only upon issuance of a written confirmation email from reportvixel after successful payment authorisation. Until that point, the submission of an order constitutes an offer that reportvixel may accept or reject. Access credentials for digital courses are provided within one business day of contract formation. Customers must review all order details before confirming payment, as errors cannot be corrected after the contract is formed.
Cancellation Rights and Applicable Cancellation Periods
Under the Consumer Protection (Fair Trading) Act and related Singapore consumer laws, customers generally have no statutory cooling-off period for digital content once access is granted. However, reportvixel voluntarily offers a seven-day cancellation window from the date of purchase for first-time enrolments, provided no substantial course content has been accessed. Subscriptions may be cancelled at any time before the next billing cycle with at least thirty days' notice. Cancellation requests must be submitted in writing via the contact form on the Contacts page.
Refund Eligibility, Exclusions, and Non-Refundable Items or Services
Refunds are available only for eligible cancellations within the voluntary seven-day period or in cases of proven technical failure preventing access. Non-refundable items include partially completed courses, downloaded materials, promotional bundles, and any content accessed beyond the trial threshold. Refunds are not granted for change of mind after the cancellation period, dissatisfaction with course difficulty, or failure to meet personal learning goals. Subscriptions terminated mid-cycle are not prorated.
The Step-by-Step Procedure and Information Required to Request a Refund
To request a refund, customers must submit a written request through the contact form on the Contacts page or email [email protected]. The request must include the order number, date of purchase, customer name, and a clear statement of the reason for the refund. Supporting evidence such as screenshots of access issues may be required. Requests received outside the eligible period or lacking required information will be returned for completion. reportvixel acknowledges receipt within two business days.
Inspection, Approval, Rejection, and Notification of the Refund Decision
Each refund request undergoes inspection by the customer support team within five business days. Approval is granted only if eligibility criteria are met. Rejection notices include the specific reason and any available alternatives such as course extensions. Customers are notified of the decision by email to the address associated with the account. Approved refunds are processed without further action required from the customer.
Refund Method, Processing Time, and When Funds Should Reach the Customer
Refunds are issued to the original payment method. Credit or debit card refunds typically appear within seven to fourteen business days depending on the card issuer. Bank transfers are completed within five business days. Digital wallet refunds follow the provider's standard timeline. reportvixel is not responsible for delays caused by third-party financial institutions. A confirmation email is sent once the refund has been initiated.
Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant
Digital programming courses are considered delivered upon provision of access credentials. Once accessed, the content is non-returnable. Subscription renewals continue automatically unless cancelled in advance. Promotional offers such as discounted first-month access carry the same refund rules as standard purchases. Lifetime access packages are non-refundable after the seven-day voluntary period. Customers should review all terms before enrolling in any promotional or subscription plan.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments result in order cancellation and no access being granted. Duplicate charges are investigated upon notification and refunded if verified. Chargebacks are treated as disputes and may lead to account suspension pending resolution. Suspected fraudulent activity triggers immediate transaction hold and reporting to relevant Singapore authorities. Customers experiencing payment issues should contact [email protected] promptly with transaction details.
Mandatory Consumer Rights in Singapore That the Policy Cannot Exclude
This policy does not exclude or limit any rights under the Consumer Protection (Fair Trading) Act, the Sale of Goods Act, or the Personal Data Protection Act that cannot be waived by contract. Customers retain the right to seek remedies for misrepresentation, defective digital content, or unfair practices. In the event of conflict, statutory rights prevail over the terms of this policy. Disputes may be referred to the Small Claims Tribunal or other competent Singapore bodies.
Contact Route, Policy Changes, and Last-Updated Date
Questions regarding this policy should be directed to [email protected] or submitted via the contact form on the Contacts page. reportvixel may update this policy periodically to reflect changes in law or business practices. The current version is dated 21 September 2026. Continued use of the site after updates constitutes acceptance of the revised terms. Customers are encouraged to review the policy before each purchase.