Payment and Refund Policy

Last updated: 19 September 2026

Scope of the Policy and Covered Services

This Payment and Refund Policy applies to all transactions involving the purchase of insurance programming services and related digital products offered through pressroomvo. These services include custom software development for insurance calculations, policy management systems, risk assessment tools, and subscription-based access to programming platforms. The policy covers both one-time purchases and recurring subscriptions for clients based in Singapore. It governs payments made directly via the website and does not extend to third-party integrations or reseller arrangements unless explicitly stated in the service agreement.

Prices, Currencies, Taxes, and Additional Charges

All prices are quoted in Singapore Dollars (SGD) and are inclusive of Goods and Services Tax (GST) at the prevailing rate of 9 percent. Additional charges may apply for custom development work, extended support hours, or premium features beyond the standard package. Currency conversion fees are the responsibility of the customer if payment is processed in a different currency. Price adjustments may occur due to changes in tax regulations or service enhancements, with advance notice provided for existing subscribers.

Accepted Payment Methods, Authorisation, and Security

Payments are accepted through major credit and debit cards, bank transfers, and digital wallets compliant with Singapore's payment regulations. All transactions require authorisation from the issuing bank or provider before processing. Security is maintained through encrypted payment gateways that comply with Payment Card Industry Data Security Standards. pressroomvo does not store sensitive card details on its servers.

Order Confirmation and Contract Formation

Upon successful payment, customers receive an electronic confirmation email detailing the service purchased, amount paid, and access instructions. A binding contract is formed only after this confirmation is issued and the customer has accepted the terms of service. For custom programming projects, a separate service agreement may be required before work commences.

Cancellation Rights and Applicable Periods

Customers may cancel subscriptions within 14 days of the initial purchase or renewal date, provided no substantial service has been consumed. Custom programming work cannot be cancelled once development has begun. Notice of cancellation must be submitted in writing through the contact form on the Contacts page.

Refund Eligibility, Exclusions, and Non-Refundable Items

Refunds are available for unused subscription periods or if services fail to meet the specifications outlined in the order confirmation. Non-refundable items include completed custom code, promotional discounts already applied, and services used beyond the trial period. Eligibility is assessed on a case-by-case basis in accordance with the Consumer Protection (Fair Trading) Act of Singapore.

Step-by-Step Procedure to Request a Refund

To request a refund, customers must submit a written request via the contact form on the Contacts page, including order number, reason for refund, and supporting details. Requests are acknowledged within three business days. Incomplete submissions may delay processing.

Inspection, Approval, Rejection, and Notification

Each refund request undergoes review by the service team within 10 business days. Customers are notified of the decision by email. Rejected requests include an explanation and options for appeal or alternative resolution.

Refund Method, Processing Time, and Fund Receipt

Approved refunds are issued to the original payment method within 14 business days. Bank transfers or card refunds may take additional time depending on the financial institution. Customers receive confirmation once the refund is processed.

Special Rules for Digital Content, Subscriptions, and Promotional Offers

Digital insurance programming tools are non-returnable once downloaded or activated. Subscriptions auto-renew unless cancelled before the next billing cycle. Promotional offers are subject to the terms stated at purchase and generally exclude refunds after redemption.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments result in service suspension until resolved. Duplicate charges are investigated and refunded promptly upon verification. Chargebacks are handled in line with card network rules, and suspected fraud triggers immediate account review with possible involvement of Singapore authorities.

Mandatory Consumer Rights in Singapore

This policy does not exclude or limit any rights under the Consumer Protection (Fair Trading) Act, Unfair Contract Terms Act, or other applicable Singapore legislation. Customers retain the right to seek remedies through the Small Claims Tribunal or other legal channels if disputes arise.

Contact Route, Policy Changes, and Last-Updated Date

For questions regarding this policy, contact pressroomvo using the form on the Contacts page or by emailing [email protected]. Policy changes are communicated via the website and email notifications. The last updated date appears at the top of this page, and continued use of services constitutes acceptance of any revisions.