Payment and Refund Policy

Last updated: 21 September 2026

Scope of the Policy and Covered Services

This Payment and Refund Policy applies to all transactions conducted through the website operated by Findrixo for the purchase of Course Programming services and related digital educational products. It covers individual course enrolments, subscription-based access to programming curricula, bundled learning packages, and any associated digital materials such as video lectures, coding exercises, and downloadable resources. The policy governs commercial interactions where customers based in Singapore or accessing services from Singapore engage with our platform to acquire programming education. It does not extend to third-party platforms or resellers unless explicitly stated in a separate agreement.

Prices, Currencies, Taxes, and Additional Charges

All listed prices are in Singapore Dollars (SGD) unless otherwise indicated at checkout. Prices include Goods and Services Tax (GST) at the prevailing rate of nine percent where applicable under Singapore law. Customers may encounter additional charges for optional add-ons such as certification exams, extended access periods, or personalised mentoring sessions. Currency conversion fees imposed by the customer's payment provider are the customer's responsibility and are not included in the displayed price. Findrixo reserves the right to adjust prices for new enrolments, but existing confirmed bookings remain at the originally agreed rate.

Accepted Payment Methods, Authorisation, and Security

Payments are accepted via major credit and debit cards including Visa, MasterCard, and American Express, as well as local options such as PayNow and bank transfers where supported. All transactions undergo real-time authorisation through secure payment gateways compliant with Payment Card Industry Data Security Standards. Authorisation holds may appear on statements pending final settlement. Findrixo does not store full card details; processing occurs through encrypted channels to minimise risk. Any suspected unauthorised use should be reported immediately to [email protected] or via the contact form on the Contacts page.

Order Confirmation, Contract Formation, and Service Activation

A binding contract forms upon successful payment authorisation and issuance of an electronic confirmation email containing order details and access instructions. Customers receive immediate access credentials for digital course content following confirmation. For scheduled live programming workshops, confirmation establishes the booking but does not guarantee a specific instructor unless pre-arranged. The contract is governed by Singapore law, and acceptance of these terms occurs at the point of purchase.

Cancellation Rights and Applicable Periods

Customers in Singapore may cancel within seven calendar days of purchase for a full refund provided no substantial portion of the digital content has been accessed or downloaded. Cancellation requests for multi-week courses must be submitted before the first scheduled session to qualify. Subscriptions renew automatically unless cancelled at least thirty days prior to the renewal date. Promotional offers and gift purchases are generally non-cancellable after redemption.

Refund Eligibility, Exclusions, and Non-Refundable Items

Refunds are available for unused courses where technical issues prevent access attributable to Findrixo. Exclusions apply to partially completed courses, downloaded materials, customised learning paths, and any services already rendered. Non-refundable items include certification fees, physical merchandise if offered, and time-limited promotional bundles. Refunds are not granted for change of mind after content consumption or failure to meet personal learning goals.

Step-by-Step Procedure to Request a Refund

To initiate a refund, submit a written request through the contact form on the Contacts page or email [email protected] with the subject line Refund Request. Include the order number, date of purchase, reason for the request, and any supporting evidence such as screenshots of access issues. Requests must be made within the applicable cancellation window. Incomplete submissions will be returned for additional information, potentially delaying processing.

Inspection, Approval, Rejection, and Notification

Upon receipt, Findrixo conducts an inspection within five business days to verify eligibility against transaction records and access logs. Approval results in immediate notification via email with a refund reference. Rejection includes a clear explanation and information on any appeal process. Customers may provide further details within seven days of rejection for reconsideration. All decisions are documented for compliance purposes.

Refund Method, Processing Time, and Fund Receipt

Approved refunds are issued to the original payment method within ten business days of approval. Credit card refunds may appear on statements within one to two billing cycles depending on the issuer. Bank transfers or PayNow refunds process within three business days. Findrixo bears responsibility for ensuring funds reach the customer; any delays beyond stated timeframes should be reported to +65 6018 7933 for escalation.

Special Rules for Digital Content, Subscriptions, and Promotional Offers

Digital programming courses are treated as immediately accessible content, limiting cancellation rights once streaming or downloading begins. Subscriptions allow pausing or downgrading but refunds for unused periods are pro-rated only in cases of service interruption. Promotional pricing is honoured only for the initial term; subsequent renewals occur at standard rates. Free trial periods convert automatically unless cancelled before expiry.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments trigger automatic retry attempts over forty-eight hours before order cancellation. Duplicate charges are investigated upon notification and corrected within five business days. Chargeback requests are reviewed in conjunction with payment providers; valid disputes result in refunds while unjustified claims may lead to account suspension. Suspected fraudulent activity prompts immediate account hold pending verification through [email protected].

Mandatory Consumer Rights in Singapore

This policy operates alongside rights under the Consumer Protection (Fair Trading) Act and the Sale of Goods Act, which cannot be excluded. Customers retain remedies for defective services or misrepresentation regardless of these terms. The Competition and Consumer Commission of Singapore provides additional avenues for unresolved disputes. Nothing in this policy diminishes statutory guarantees applicable to educational services purchased in Singapore.

Contact Route, Policy Changes, and Final Provisions

Queries regarding this policy should be directed to [email protected], +65 6018 7933, or the contact form available on the Contacts page. Findrixo may update the policy periodically to reflect legislative changes or operational adjustments, with the revised version posted on this page and effective from the date of publication. Continued use of services after updates constitutes acceptance. The address for formal correspondence is 79 Anson Road, #20-01, Singapore 079906. This document constitutes the entire agreement concerning payments and refunds.