Refund policy

1. Scope and Application

This Payment Policy sets out the terms that apply to payment for, and refunds of, the services we provide. Unless otherwise specified here, terms used in this policy carry the same meaning given to them in our Terms and Conditions at hanakorean.com.sg.

This policy applies to every programme we run, including Hana Korean Language School. It may be amended from time to time, taking effect from the date the amendment is posted on our website, and it is your responsibility to be aware of such changes.

This policy was last revised on 18 January 2024.

2. Schedule A — Refund Schedule

Unless otherwise specified in Schedule A, or separately agreed between you and us, no refund of any product is permitted. The refund amount is a percentage of the aggregate amount of the fees paid as per the Crystal Learning Centre invoice, based on when the student’s written notice of withdrawal is received:

• ·75% — written notice received more than 60 days before the course commencement date.
• ·25% — written notice received before, but not more than 60 days before, the course commencement date.
• ·10% — written notice received after, but not more than 7 days after, the course commencement date.
• ·5% — written notice received more than 7 days, but not more than 14 days, after the course commencement date.
• ·0% — written notice received more than 14 days after the course commencement date.
• ·All amounts are in Singapore Dollars (SGD) unless otherwise stated.

3. Cooling-Off Period

A cooling-off period of seven (7) working days applies for a maximum refund from the date the contract was signed.

4. Administration Charge

A 3% administration charge applies to the refundable amount.

5. Refund Processing Time

All refunds are made within seven (7) working days from receipt of the student’s request.

6. Refunds for Withdrawal with Cause

Crystal Learning Centre Pte Ltd will inform the student immediately, within three (3) working days, if it fails for any reason to commence the course on the course commencement date for two consecutive weeks, terminates the course before it commences, fails to complete the course by the course completion date, or terminates the course before the completion date.

Within seven (7) working days of notifying the student in writing, we will provide details of an alternative confirmed course arrangement so the student can make a timely and appropriate decision. The student is entitled to withdraw immediately by giving written notice of their intention to do so.

Where a student withdraws with cause, Crystal Learning Centre Pte Ltd will refund the entire amount of the course fees and the miscellaneous fees within seven (7) working days of the student’s request.

7. Withdrawal and Written Notice

A request for programme withdrawal must be made in writing. A written notice of withdrawal (Withdrawal Form) must be delivered to Crystal Learning Centre Pte Ltd by email at class@crystal.com.sg.

All discounts, rebates, or waivers the student was entitled to are forfeited, and all outstanding fees, including all non-tuition fees (inclusive of GST), must be paid before withdrawal.

We will acknowledge receipt of the Withdrawal Form within three (3) working days to the student’s email address, and will inform the student of the outcome in writing within not more than four (4) weeks from receipt of the request for cases with no refund.

8. Instalment Plans

Except as otherwise stated in Schedule A, no refunds are given to customers who purchased packages via an instalment plan.

9. Payment Methods

We accept payments made by the following online methods. A corresponding payment processing fee is charged for different payment methods, and this fee is reviewed from time to time and may be increased or decreased at our discretion:

• ·Major credit and debit cards (Visa, MasterCard, American Express, UnionPay)
• ·WeChat Pay
• ·Bank transfers
• ·Instant payments (PayNow)
• ·Instalments via GrabPay

10. Course Fees and Outstanding Fees

Course fees are payable together with any other relevant taxes, including Value Added Tax, Sales Tax, or Goods and Services Tax (GST), that may be levied by the applicable authorities. Our course fees are reviewed from time to time and may be increased or decreased by such amount as we deem fit.

New students cannot commence their official classes while any fees are outstanding and unpaid. Existing students will not be allowed to attend their classes should any fee or payment be overdue, and all outstanding fees must be settled in full before lessons resume.

11. Company-Sponsored Students

The refund schedule set out in Schedule A also applies to company-sponsored students.