Payment and Refund Policy
Last updated: 24 September 2026
Scope of the Policy and the Products or Services It Covers
This Payment and Refund Policy applies to all transactions involving the purchase of insurance programming services and related digital products offered through celebvoxfy. These services include custom software development for insurance risk assessment, policy management platforms, claims processing tools, and subscription-based maintenance packages. The policy governs payments made by customers located in Singapore and covers both one-time purchases and recurring subscriptions. It does not extend to third-party integrations or external consulting engagements unless explicitly stated in the service agreement.
Prices, Currencies, Taxes, and Any Additional Charges
All prices are quoted in Singapore Dollars (SGD) and are inclusive of Goods and Services Tax (GST) at the prevailing rate unless otherwise indicated. Additional charges may apply for customisation requests, expedited delivery of digital deliverables, or extended support beyond the standard package. Customers will receive a detailed quotation prior to payment confirmation. Currency conversion fees for international cards are borne by the customer and are not controlled by celebvoxfy.
Accepted Payment Methods, Payment Authorisation, and Payment Security
We accept major credit and debit cards, PayNow, and bank transfers. All payments are processed through secure third-party gateways compliant with PCI-DSS standards. Authorisation occurs at the time of order placement, with funds held until service delivery or subscription activation. celebvoxfy does not store card details; all sensitive data is encrypted and managed by the payment processor. Customers are advised to review their statements for accurate billing descriptors.
Order, Booking, or Service Confirmation and When a Contract Is Formed
A binding contract is formed upon successful payment authorisation and issuance of a confirmation email containing the order reference and service commencement date. For subscription services, the contract renews automatically unless cancelled in accordance with the terms below. Digital access credentials are provided within 24 hours of confirmation for standard packages.
Cancellation Rights and Applicable Cancellation Periods
Under Singapore's Consumer Protection (Fair Trading) Act, customers have a seven-day cooling-off period for certain distance contracts. Cancellation within this period entitles the customer to a full refund minus any non-refundable setup fees. Subscriptions may be cancelled at any time with effect from the next billing cycle. No cooling-off applies to custom-developed software once development has commenced.
Refund Eligibility, Exclusions, and Non-Refundable Items or Services
Refunds are available for unused portions of subscriptions if cancellation occurs before the next billing date. Custom programming work, once delivered and accepted, is non-refundable. Promotional offers and bundled services are excluded from partial refunds. Eligibility requires that the service has not been substantially used or modified by the customer.
The Step-by-Step Procedure and Information Required to Request a Refund
To request a refund, email [email protected] with the order reference, reason for the request, and supporting documentation. Include your full name, contact number via +65 6291 4568, and billing address as 113A Upper Paya Lebar Road, Singapore 534832. Requests must be submitted within 30 days of the transaction. Our team will acknowledge receipt within two business days.
Inspection, Approval, Rejection, and Notification of the Refund Decision
Each request undergoes review for compliance with eligibility criteria. Approval or rejection is communicated via email within ten business days. If rejected, the notification will specify the grounds and any appeal options. Approved refunds proceed to processing without further action required from the customer.
Refund Method, Processing Time, and When Funds Should Reach the Customer
Refunds are issued to the original payment method. Credit card refunds typically appear within five to ten business days, while bank transfers may take up to fifteen business days. celebvoxfy bears no responsibility for delays caused by the customer's financial institution.
Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant
Digital content such as downloadable insurance programming modules is non-returnable once the download link is accessed. Subscriptions for ongoing updates and support follow pro-rata refund calculations only if cancelled mid-cycle. Promotional pricing is honoured only for the initial term; subsequent renewals revert to standard rates.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments will result in service suspension until resolved. Duplicate charges are investigated and refunded automatically upon detection. Chargebacks are treated as cancellations and may incur administrative fees. Suspected fraudulent activity leads to immediate account review and potential reporting to Singapore authorities.
Mandatory Consumer Rights in the Target Country That the Policy Cannot Exclude
This policy does not exclude or limit rights under the Consumer Protection (Fair Trading) Act, Unfair Contract Terms Act, or Personal Data Protection Act of Singapore. Customers retain the right to seek remedies through the Small Claims Tribunal or Consumers Association of Singapore for unresolved disputes.
Contact Route, Policy Changes, and Last-Updated Date
For queries, contact [email protected] or use the form on the Contacts page. celebvoxfy may update this policy periodically; changes take effect upon publication on the website. The current version is dated 24 September 2026. Continued use of services constitutes acceptance of the latest terms.