Payment and Refund Policy
Last updated: 23 September 2026
Scope of the Policy and the Products or Services It Covers
This Payment and Refund Policy applies to all purchases of course programming services offered through headflowix. These services include access to online programming courses, tutorials, certification modules, and related digital educational materials designed for learners in Singapore and internationally. The policy governs transactions involving one-time course purchases, bundled learning packages, and any subscription-based access to programming content. It does not cover physical goods or third-party products sold separately. All references to courses encompass both self-paced digital modules and live instructor-led sessions where applicable.
Prices, Currencies, Taxes, and Any Additional Charges
All listed prices are in Singapore Dollars (SGD) unless otherwise stated. Prices are displayed inclusive of Goods and Services Tax (GST) at the prevailing rate under Singapore law. Customers outside Singapore may be subject to additional import duties, value-added taxes, or currency conversion fees imposed by their local financial institutions or governments. headflowix does not add hidden fees for course access, but premium add-ons such as extended support or custom project reviews incur separate charges disclosed at checkout. Price changes may occur due to promotions or updates, but the price at the time of purchase remains fixed for that transaction.
Accepted Payment Methods, Payment Authorisation, and Payment Security
headflowix accepts major credit and debit cards, PayNow, and other secure local payment gateways compliant with Singapore regulations. Payment authorisation occurs in real time through encrypted processors. All transactions are secured using industry-standard encryption to protect card details and personal information. Authorisation holds may appear on statements during processing but are released upon successful completion. Customers should ensure sufficient funds are available to avoid declined transactions.
Order, Booking, or Service Confirmation and When a Contract Is Formed
Upon successful payment, customers receive an immediate email confirmation containing order details, access instructions, and a unique reference number. A binding contract is formed once payment is authorised and the confirmation is issued. Access to digital courses is granted automatically after confirmation, subject to account verification. Customers must review all details before completing payment, as errors in selection cannot be altered post-authorisation without following cancellation procedures.
Cancellation Rights and Applicable Cancellation Periods
Customers in Singapore have the right to cancel within seven days of purchase under the Consumer Protection (Fair Trading) Act, provided the course content has not been substantially accessed or downloaded. For digital programming courses, cancellation is permitted before the first login or module completion. Subscriptions may be cancelled at any time with effect from the next billing cycle. No cooling-off period applies to customised or promotional offerings once access begins.
Refund Eligibility, Exclusions, and Non-Refundable Items or Services
Refunds are available for unused courses if cancellation occurs within the eligible period and less than twenty-five percent of content has been viewed. Exclusions include completed courses, downloaded materials, promotional bundles, and any services already rendered such as live sessions attended. Non-refundable items also encompass certification fees paid to external bodies and any taxes remitted to authorities. Eligibility is assessed case-by-case based on access logs.
The Step-by-Step Procedure and Information Required to Request a Refund
To request a refund, customers must submit a written request via the contact form on the Contacts page or by emailing [email protected]. The request must include the order reference number, customer name, registered email address, reason for refund, and proof of purchase. Requests should be made within the applicable cancellation window. Incomplete submissions will be returned for additional details, delaying processing.
Inspection, Approval, Rejection, and Notification of the Refund Decision
Upon receipt, headflowix inspects access records and verifies eligibility within five business days. Approval or rejection is communicated by email to the address provided. If approved, further instructions follow. Rejections include an explanation citing specific policy terms. Customers may appeal once with additional supporting information within seven days of notification.
Refund Method, Processing Time, and When Funds Should Reach the Customer
Approved refunds are issued to the original payment method. Processing takes up to fourteen business days after approval, though credit card refunds may appear sooner depending on the issuer. Bank transfers or PayNow refunds follow the same timeline. Customers are notified when the refund is initiated, and funds typically reach accounts within the stated period absent external banking delays.
Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant
Digital programming courses are non-returnable once accessed due to their intangible nature. Subscriptions auto-renew unless cancelled before the renewal date. Promotional offers carry the same refund rules but may have shorter eligibility windows. Live services are non-refundable after attendance. Customers retain rights to pause subscriptions where offered without penalty.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments result in order cancellation without penalty. Duplicate charges are investigated upon report to [email protected] and refunded if verified. Chargebacks are treated as refund requests but may incur administrative review. Suspected fraud leads to immediate account suspension pending verification with +65 9193 8589 or email support. Legitimate customers are assisted in resolution.
Mandatory Consumer Rights in Singapore That the Policy Cannot Exclude
This policy operates alongside rights under the Consumer Protection (Fair Trading) Act, Unfair Contract Terms Act, and Personal Data Protection Act. Nothing herein excludes liability for misrepresentation or limits remedies available for defective digital services. Customers may seek redress through the Small Claims Tribunal or Consumers Association of Singapore if disputes arise.
Contact Route, Policy Changes, and Last-Updated Date
For queries, contact [email protected], +65 9193 8589, or 199B Thomson Road, Goldhill Centre, Singapore 307636. This policy may be updated periodically to reflect legal changes or service modifications. The latest version always appears on the website with the updated date. Continued use after changes constitutes acceptance of the revised terms.