Refund Policy

This Refund Policy forms part of our Terms of Service. It explains when and how you may request a refund for a purchase made on Singapore Education Pathways (the “Service”).

1. Nature of our product

Plans on the Service are one-time digital purchases that grant immediate, lifetime access to specific tools (Secondary Pathway, Poly Pathway, JC Pathway, ITE Pathway, or All Access). Access is delivered electronically as soon as payment is confirmed by Stripe.

Because the product is digital and access begins immediately upon purchase, refunds are generally not available. This policy mirrors standard practice for digital goods under Singapore consumer-protection norms.

2. Discretionary 7-day refund window

Notwithstanding clause 1, we offer a discretionary refund window of seven (7) calendar days from the date of purchase. If, within seven days, you decide the Service is not for you, you may request a refund subject to all of the following conditions:

• The refund is requested in writing via the feedback page, with the subject “Refund request”.
• The request includes the email address used to purchase and the approximate purchase date.
• You have not engaged in significant use of the purchased plan. We reserve the right to assess “significant use” based on activity logs (for example, completing multiple full calculator runs, saving extensive watchlists, or downloading export data).
• Your account is in good standing and has not been subject to any abuse, fraud, or Terms-of-Service violation.
• This is your first refund request on the Service. We reserve the right to refuse refunds where there is a pattern of repeat purchase-and-refund behaviour.

3. What is refunded

• We refund the purchase price you paid, less any non-refundable payment-processor fees imposed by Stripe (typically SGD $0.50–$1.00 per transaction). Where Stripe refunds processing fees to us in full, we will pass that through to you.
• Refunds are made to the original payment method.
• We do not refund currency-conversion fees, bank charges, or other costs imposed by your card issuer.

4. Processing time

We will review eligible refund requests within five (5) business days. If approved, Stripe will initiate the refund. The funds typically appear in your account within 5–10 business days depending on your bank or card issuer.

5. Refunds after the 7-day window

Outside the 7-day discretionary window, refunds will not be granted, except where:

• We are required by Singapore law to issue a refund;
• You were charged in error due to a verifiable bug or duplicate transaction;
• The Service is permanently discontinued and you purchased within the 90 days preceding the announcement.

Where a refund is granted under this clause, the same payment-processor-fee deduction in clause 3 applies.

6. Plan upgrades

If you purchase a single pathway plan (e.g. Secondary Pathway at SGD $7) and later wish to upgrade to All Access (SGD $39), we may at our sole discretion credit the value of your earlier purchase toward the upgrade. This is a goodwill credit, not a refund. Contact us via the feedback page to request consideration.

7. Chargebacks & disputes

We ask you to contact us first before initiating a chargeback with your bank or card issuer. Most issues can be resolved more quickly through direct communication.

If a chargeback is initiated, we will respond by providing Stripe with records of the purchase, account activity, and these policies. We reserve the right to suspend the associated account immediately, pending resolution, to prevent further use of a disputed purchase. Accounts that are subject to a successful chargeback will be terminated and may be barred from future use of the Service.

8. Promotional purchases

Purchases made using a discount code, bundle pricing, or any promotional offer are eligible for refund only at the actual amount paid, not at the standard list price.

9. Account termination by us

If we terminate your account for cause (breach of Terms, abuse, fraud, chargeback abuse), no refund is owed. If we terminate your account without cause, we will refund the pro-rated balance of any purchase made within the preceding 12 months.

10. Changes to this policy

We may update this Refund Policy from time to time. The version in effect at the time of your purchase will apply to that purchase. Changes do not retroactively reduce your rights in respect of an earlier purchase.

11. Contact

To request a refund or ask a question about this policy, please use the feedback page with the subject “Refund request”.