Payment and Refund Policy

Last updated: 22 September 2026

Scope of This Policy

This Payment and Refund Policy applies to all purchases of health education courses, digital learning modules, subscription access plans and related materials offered through the storyvibexe website. It covers both one-time course acquisitions and recurring subscriptions for ongoing health training content. The policy governs transactions made by customers located in Singapore and explains how payments are handled, when contracts are formed and under what conditions refunds may be issued.

Prices, Currencies, Taxes and Additional Charges

All listed prices are in Singapore dollars and include the prevailing Goods and Services Tax where applicable. Any additional charges such as payment processing fees or currency conversion costs will be displayed clearly before you confirm your order. storyvibexe reserves the right to adjust prices at any time, but changes will not affect orders already placed and confirmed.

Accepted Payment Methods, Authorisation and Security

We accept major credit and debit cards, local bank transfers and selected e-wallet services. When you submit payment details, the transaction is authorised by your card issuer or financial institution. All payments are processed through secure third-party gateways that comply with Singapore financial regulations. storyvibexe does not store complete card numbers on its servers.

Order Confirmation and Contract Formation

Once you complete the checkout process and receive an order confirmation email, a binding contract is formed between you and storyvibexe. This confirmation summarises the purchased courses, access period and total amount paid. Access credentials or download links are provided shortly after successful payment verification.

Cancellation Rights and Applicable Periods

Under the Consumer Protection (Fair Trading) Act, certain purchases of digital content may not qualify for a cooling-off period once access has been granted. You may cancel a subscription before the next billing cycle by providing notice at least seven days prior to renewal. One-time course purchases generally cannot be cancelled after access is activated.

Refund Eligibility, Exclusions and Non-Refundable Items

Refunds are available only in limited circumstances such as duplicate charges, technical failures preventing access or cancellation within the permitted window. Digital course materials, completed modules and promotional bundles are non-refundable once downloaded or accessed. Subscriptions cancelled mid-cycle are not prorated.

Step-by-Step Refund Request Procedure

To request a refund, email [email protected] with your order number, proof of purchase and a brief explanation of the issue. Include your full name and contact telephone number so we can verify your identity. Requests must be submitted within fourteen days of the original transaction date.

Inspection, Approval, Rejection and Notification

Our team reviews each refund request within five business days. You will receive written notification of the decision via email. If additional information is required, we will contact you promptly. Approved refunds are processed without further action on your part; rejected requests include a clear explanation of the reason.

Refund Method, Processing Time and Fund Receipt

Approved refunds are returned to the original payment method. Credit card refunds typically appear within seven to ten business days, while bank transfers may take up to fourteen days depending on your financial institution. You will be notified once the refund has been initiated.

Special Rules for Digital Content, Subscriptions and Promotional Offers

Digital health courses are delivered electronically and access begins immediately upon purchase. Subscription plans renew automatically unless cancelled in advance. Promotional discounts and bundled offers are subject to the same refund rules as standard purchases and cannot be exchanged for cash value.

Failed Payments, Duplicate Charges, Chargebacks and Suspected Fraud

In the event of a failed payment, you will be notified and given the opportunity to update your details. Duplicate charges are investigated and refunded automatically when confirmed. Chargeback requests are treated as refund claims and may result in temporary suspension of account access. Suspected fraudulent activity will be reported to the relevant Singapore authorities.

Mandatory Consumer Rights in Singapore

Nothing in this policy excludes or limits your rights under the Consumer Protection (Fair Trading) Act, the Sale of Goods Act or the Electronic Transactions Act. These statutory rights remain in force regardless of any contrary statements in this document.

Contact Route, Policy Changes and Last-Updated Date

For questions about this policy or to submit a request, please use the contact form on our Contacts page or email [email protected]. storyvibexe may update this policy from time to time. The current version will always be posted on this page with the date of the most recent revision clearly indicated. Continued use of the website after changes constitutes acceptance of the updated terms.