Payment and Refund Policy
Last updated: 22 September 2026
Scope of the Policy and the Products or Services It Covers
This Payment and Refund Policy applies to all purchases of health-related courses, training materials, subscription access, and associated digital services offered through newspirevo. It governs transactions for online courses on topics including nutrition, fitness, mental wellness, and preventive health practices. The policy covers both one-time purchases and recurring subscriptions for course content hosted on our platform. It does not apply to physical goods or in-person consultations unless explicitly stated in the product description. All users purchasing from Singapore are subject to this policy, which aligns with local consumer protection standards under the Consumer Protection (Fair Trading) Act.
Prices, Currencies, Taxes, and Any Additional Charges
All prices on the website are displayed in Singapore Dollars (SGD) unless otherwise indicated. Prices include applicable Goods and Services Tax (GST) at the prevailing rate of 9 percent. Additional charges may apply for premium add-ons, certification fees, or extended access periods, which will be clearly disclosed before checkout. Currency conversion fees charged by your payment provider are your responsibility and not included in the listed price. newspirevo reserves the right to adjust prices for new enrolments, but existing subscriptions remain at the rate agreed upon at the time of purchase.
Accepted Payment Methods, Payment Authorisation, and Payment Security
We accept major credit and debit cards including Visa, Mastercard, and American Express, as well as PayNow and bank transfers for larger institutional purchases. Payment authorisation occurs immediately upon submission of your order details. All transactions are processed through secure, PCI-DSS compliant gateways to protect your financial information. newspirevo does not store full card details on its servers. In the event of payment authorisation failure, you will receive an immediate notification and the order will not be processed.
Order, Booking, or Service Confirmation and When a Contract Is Formed
Upon successful payment, you will receive an email confirmation containing your order details, access instructions, and a summary of the purchased course or subscription. A binding contract is formed when we send this confirmation email. Access to digital content is granted instantly after confirmation for most courses. For subscription services, the initial billing cycle begins on the confirmation date.
Cancellation Rights and Applicable Cancellation Periods
Under Singapore consumer law, you have the right to cancel certain purchases within a reasonable period. For digital courses, cancellation is permitted within 7 days of purchase provided you have not accessed more than 20 percent of the content. Subscriptions may be cancelled at any time before the next billing cycle with no penalty. To exercise cancellation rights, contact us promptly using the details below.
Refund Eligibility, Exclusions, and Non-Refundable Items or Services
Refunds are available for unused digital content within the 7-day window if technical issues prevent access. Exclusions include courses where substantial progress has been made, promotional bundles, and any content downloaded or completed. Non-refundable items also cover certification exams and live session recordings once attended. Promotional offers are generally non-refundable after the cooling-off period.
The Step-by-Step Procedure and Information Required to Request a Refund
To request a refund, first log into your account and navigate to the order history section. Submit a refund request form providing your order number, reason for the request, and any supporting details such as error messages. Alternatively, email [email protected] with the subject line Refund Request and include your full name, transaction ID, and contact telephone number. Requests must be made within the eligible period to be considered.
Inspection, Approval, Rejection, and Notification of the Refund Decision
Our team will inspect your request within 5 business days, verifying access logs and eligibility. You will be notified via email of approval or rejection, including the rationale for any denial. Approved refunds proceed to processing, while rejected requests may be appealed once with additional evidence.
Refund Method, Processing Time, and When Funds Should Reach the Customer
Refunds are issued to the original payment method. Processing typically takes 5 to 10 business days after approval, though bank processing may extend this to 14 days. You will receive confirmation once the refund has been initiated. For credit card refunds, the amount appears on your statement within one billing cycle.
Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant
Digital health courses are non-returnable once streamed or downloaded beyond the trial threshold. Subscriptions auto-renew unless cancelled 48 hours prior to renewal. Promotional offers carry a shorter 3-day refund window. Service-based add-ons such as personalised feedback sessions are refundable only if cancelled 24 hours in advance.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments will prompt an email reminder with instructions to update payment details. Duplicate charges are investigated immediately upon notification and refunded within 7 days if confirmed. Chargebacks are treated as refund requests but may result in account suspension. Suspected fraudulent activity leads to immediate order hold and contact with +65 6253 3818 for verification.
Mandatory Consumer Rights in the Target Country That the Policy Cannot Exclude
This policy does not exclude any rights you have under the Consumer Protection (Fair Trading) Act or the Sale of Goods Act in Singapore. You retain the right to seek remedies for misleading practices or defective services regardless of the terms stated here. Disputes may be referred to the Small Claims Tribunal if necessary.
Contact Route, Policy Changes, and Last-Updated Date
For questions regarding this policy, reach [email protected] or call +65 6253 3818. Written correspondence may be sent to Devan Nair Institute for Employment and Employability, #06-03, 80 Jurong East Street 21, Singapore 609607. newspirevo may update this policy periodically; changes take effect upon posting with the revised date. Continued use of the site after updates constitutes acceptance of the new terms.