Payment and Refund Policy

Last updated: 22 September 2026

Scope of the Policy and Covered Services

This Payment and Refund Policy applies to all transactions conducted through Pagefyvo for Insurance Programming services. These services include custom software development, integration of insurance calculation engines, policy management platforms, claims processing tools, and related technical support packages offered to businesses and individual professionals in Singapore. The policy governs purchases made via our commercial website and covers both one-time project fees and recurring subscription access to hosted insurance programming environments.

Prices, Currencies, Taxes and Additional Charges

All listed prices are in Singapore Dollars (SGD) unless otherwise stated. Prices include prevailing Goods and Services Tax (GST) at the rate applicable under Singapore law at the time of purchase. Customers are responsible for any bank charges, foreign exchange fees or import duties that may arise when paying from outside Singapore. Additional charges such as customisation fees, extended support hours or premium data storage will be quoted separately and confirmed before any contract is formed.

Accepted Payment Methods, Authorisation and Security

We accept major credit and debit cards, PayNow, bank transfers and other electronic payment gateways available in Singapore. All card payments are processed through PCI-DSS compliant providers. Payment authorisation occurs immediately upon submission of order details. Pagefyvo does not store full card numbers or sensitive payment data. Customers will receive an automated receipt once authorisation is successful.

Order Confirmation and Contract Formation

A binding contract is formed only when we issue a written confirmation email after receiving full payment or a valid purchase order. This confirmation summarises the scope of Insurance Programming work, timelines, deliverables and payment terms. Until such confirmation is sent, no contract exists and any provisional quotes remain non-binding.

Cancellation Rights and Applicable Periods

Customers may cancel an order within seven calendar days of receiving the confirmation email, provided no substantive work has commenced. For subscription-based access to our programming platforms, cancellation must be effected at least thirty days before the next billing cycle. Cancellations requested after work has begun or after the cooling-off period will be treated under the refund eligibility rules below.

Refund Eligibility, Exclusions and Non-Refundable Items

Refunds are available where services have not been delivered, where there is a material defect in the delivered software that we cannot remedy within a reasonable time, or where statutory cooling-off rights apply. Non-refundable items include custom code already developed to client specifications, completed training sessions, third-party licence fees passed through to the customer, and any services explicitly marked as non-refundable at the time of purchase. Promotional or discounted packages may carry stricter refund limitations that are disclosed before purchase.

Step-by-Step Procedure to Request a Refund

To request a refund, customers must submit a written request via the contact form on our Contacts page or by emailing [email protected]. The request must include the order reference number, date of purchase, description of the issue, and any supporting evidence such as error logs or screenshots. Requests received without these details may be delayed while we seek clarification.

Inspection, Approval, Rejection and Notification of Refund Decisions

Upon receipt of a complete request, our technical team will inspect the delivered Insurance Programming work within ten business days. We will notify the customer by email of our decision, stating whether the refund is approved, partially approved or rejected, together with reasons for any rejection. Customers may appeal a rejection once by providing additional information within seven days of notification.

Refund Method, Processing Time and Receipt of Funds

Approved refunds will be issued using the original payment method where possible. Processing typically takes five to fifteen business days after approval, although bank transfers or card issuers may require additional time. Customers will receive a confirmation email once the refund has been initiated. Any applicable GST component will be refunded in full where the entire service is cancelled.

Special Rules for Digital Content, Subscriptions and Promotional Offers

Digital downloads of insurance programming templates or scripts are non-refundable once the download link has been accessed. Subscriptions may be paused or downgraded but refunds for unused portions are granted only on a pro-rata basis after the minimum commitment period. Promotional offers such as free trial extensions or bundled services do not qualify for cash refunds; instead, equivalent credit may be applied to future purchases at our discretion.

Failed Payments, Duplicate Charges, Chargebacks and Suspected Fraud

In the event of a failed payment, we will attempt to notify the customer using the contact details provided. Duplicate charges will be investigated and refunded automatically within five business days. Chargeback requests will be contested only when we have evidence that services were delivered in accordance with the contract. Any suspected fraudulent activity will result in immediate account suspension pending verification with +65 6299 0988 or through our support channels.

Mandatory Consumer Rights in Singapore

Nothing in this policy excludes or limits rights available under the Consumer Protection (Fair Trading) Act, the Sale of Goods Act or the Unfair Contract Terms Act. Customers retain the right to seek remedies through the Small Claims Tribunal or the courts for breaches of these statutes. We will honour all non-excludable rights even where they differ from the terms stated above.

Contact Route, Policy Changes and Last-Updated Date

Questions regarding this policy should be directed to [email protected] or through the contact form available on the Contacts page. Pagefyvo reserves the right to amend this policy to reflect changes in Singapore law or business practices. Any material changes will be posted on this page with a new last-updated date. Continued use of our services after such changes constitutes acceptance of the revised policy.