Payment and Refund Policy

Last updated: 22 September 2026

Scope of the Policy and the Products or Services It Covers

This Payment and Refund Policy applies to all purchases of digital health education courses offered through headlinumza.com. The services include access to online modules, video lessons, downloadable resources and assessment tools focused on health and wellness topics. It covers individual course purchases, subscription plans for ongoing access and any bundled offerings. The policy governs transactions made by customers located in Singapore and explains how payments are processed and refunds handled in accordance with local regulations.

Prices, Currencies, Taxes and Any Additional Charges

All prices are displayed in Singapore dollars and include applicable Goods and Services Tax at the prevailing rate. No hidden fees are added after checkout except where expressly stated such as optional add-on resources. Currency conversion charges may apply if payment is made from an overseas account but these are borne by the customer. headlinumza.com reserves the right to adjust prices for new enrolments with advance notice on the website.

Accepted Payment Methods, Payment Authorisation and Payment Security

We accept major credit and debit cards, PayNow and other secure local gateways. Payment authorisation occurs immediately upon submission of order details. All transactions are secured through encrypted payment processors compliant with Singapore financial standards. headlinumza.com does not store card details on its servers. Authorisation failures due to insufficient funds or incorrect details will result in the order not being processed.

Order, Booking or Service Confirmation and When a Contract Is Formed

A contract is formed when you receive an email confirmation after successful payment. This confirmation includes course access details and terms. Until this point no binding agreement exists. Access to digital content begins once the contract is confirmed and login credentials are issued.

Cancellation Rights and Applicable Cancellation Periods

Under Singapore consumer law you may cancel within seven days of purchase provided no substantial content has been accessed. Cancellations after this period or after significant engagement with the material are generally not permitted except where required by law. Subscription plans may be cancelled at any time with effect from the next billing cycle.

Refund Eligibility, Exclusions and Non-Refundable Items or Services

Refunds are available only if the course is cancelled within the allowed period and no more than twenty percent of the content has been viewed. Exclusions apply to completed assessments, personalised feedback and promotional bundles. Digital content that has been downloaded or substantially consumed is non-refundable. Promotional offers and gift purchases are also excluded from refund eligibility.

The Step-by-Step Procedure and Information Required to Request a Refund

To request a refund contact [email protected] with your order number, full name and reason for the request. Include proof of purchase and details of any access used. Requests must be submitted in writing via email or the contact form on the Contacts page. Incomplete submissions will be returned for additional information.

Inspection, Approval, Rejection and Notification of the Refund Decision

Upon receipt headlinumza.com will inspect the request within five business days. Approval depends on compliance with eligibility criteria. You will be notified by email of the decision. Rejected requests will include an explanation and information on any appeal options available under Singapore law.

Refund Method, Processing Time and When Funds Should Reach the Customer

Approved refunds are issued to the original payment method. Processing takes up to ten business days after approval. Bank processing times may vary but funds typically appear within fourteen days. No cash refunds are provided.

Special Rules for Digital Content, Subscriptions, Services or Promotional Offers Where Relevant

Digital health courses are subject to strict access logging. Once more than a minimal portion is consumed the right to refund is forfeited. Subscriptions renew automatically until cancelled. Promotional discounts are final and cannot be combined with refunds. Service interruptions beyond our control may qualify for extensions rather than refunds.

Failed Payments, Duplicate Charges, Chargebacks and Suspected Fraud

Failed payments must be resolved before access is granted. Duplicate charges detected by our system are automatically investigated and corrected within three business days. Chargebacks are treated as potential fraud and may lead to account suspension. Suspected fraudulent activity will be reported to relevant Singapore authorities.

Mandatory Consumer Rights in the Target Country That the Policy Cannot Exclude

This policy does not exclude any rights you have under the Consumer Protection (Fair Trading) Act or other Singapore legislation. These include the right to accurate information and remedies for misleading conduct. Nothing in this policy limits your statutory protections.

Contact Route, Policy Changes and Last-Updated Date

For questions about this policy please use the contact form on the Contacts page or email [email protected]. headlinumza.com may update this policy periodically with changes posted on the website. The last updated date appears at the top of this page. Continued use of the site after changes constitutes acceptance of the revised terms.