Payment and Refund Policy

Last updated: 23 September 2026

Scope of the Policy and the Products or Services It Covers

This Payment and Refund Policy applies to all corporate programming services offered by journapulsera through our commercial website. These services include custom software development, enterprise application programming, system integration projects, training modules for corporate teams, and ongoing maintenance contracts tailored for businesses operating in Singapore. The policy governs transactions where clients engage our expertise for bespoke programming solutions that support operational efficiency and digital transformation initiatives. It does not extend to personal consumer purchases or non-commercial use cases. All services are delivered under agreements that specify deliverables, timelines, and performance benchmarks relevant to the Singapore market.

Prices, Currencies, Taxes, and Any Additional Charges

Our pricing is quoted in Singapore Dollars (SGD) unless otherwise agreed in writing. Base rates reflect the complexity of the programming task, required expertise levels, and project duration. Goods and Services Tax (GST) at the prevailing rate is added to all invoices for clients based in Singapore. International clients may incur additional withholding taxes or import duties depending on their jurisdiction. Project quotes include estimates for standard resources, but variable costs such as third-party software licences, cloud hosting fees, or specialised testing environments are itemised separately. Any changes to scope that increase costs require client approval before implementation.

Accepted Payment Methods, Payment Authorisation, and Payment Security

We accept bank transfers via local Singapore banks, credit card payments processed through secure gateways compliant with PCI DSS standards, and electronic funds transfer systems. Payment authorisation occurs at the time of order confirmation, with funds held until service milestones are met. All transactions employ encryption protocols to safeguard financial data. journapulsera does not store card details on its servers. Clients receive automated receipts via email confirming successful authorisation. Recurring billing for maintenance contracts utilises stored payment methods only after explicit consent and with the option to update details at any time.

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

A contract is formed upon our written acceptance of a purchase order or signed statement of work following receipt of the initial payment or deposit. Confirmation emails detail the agreed scope, timelines, and payment schedule. Clients must review these details promptly and notify us of any discrepancies within five business days. Until formal acceptance, no binding obligation exists on either party. For subscription-based programming support, the contract commences on the activation date specified in the confirmation.

Cancellation Rights and Applicable Cancellation Periods

Clients may cancel projects within seven business days of contract formation provided no substantial work has commenced. Cancellation requests must be submitted in writing. For services already in progress, cancellation is possible only if agreed mutually, with payment due for work completed up to the cancellation date. Subscription services allow cancellation with thirty days' notice prior to the next billing cycle. Statutory rights under the Consumer Protection (Fair Trading) Act remain unaffected for eligible clients.

Refund Eligibility, Exclusions, and Non-Refundable Items or Services

Refunds are available when services fail to meet documented specifications due to our error, or if cancellation occurs within the permitted period. Exclusions apply to custom code developed to client specifications, completed training sessions, and any third-party licences procured on the client's behalf. Deposits for resource allocation are non-refundable once scheduling has occurred. Promotional discounts or bundled services may have adjusted refund terms stated at the time of purchase.

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

To request a refund, clients must email [email protected] with the subject line "Refund Request" and include the order reference number, detailed reasons for the request, and supporting documentation such as screenshots of issues encountered. Within three business days we acknowledge receipt. Additional information may be requested to assess the claim fully. Requests lacking required details will be returned for completion.

Inspection, Approval, Rejection, and Notification of the Refund Decision

Our team inspects each request against the service agreement and documented deliverables. Approval occurs when the claim aligns with eligibility criteria. Rejection notices explain the rationale and outline any appeal options. Decisions are communicated via email within ten business days of receiving complete information. Approved refunds are processed without further action from the client.

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

Refunds are issued via the original payment method or bank transfer where applicable. Processing begins immediately upon approval and typically completes within fourteen business days for local transactions. International refunds may require up to thirty business days depending on banking networks. Clients receive confirmation once funds are dispatched.

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

Digital deliverables such as source code repositories become non-refundable upon download or deployment. Subscription pauses are permitted for up to three months with prior notice but do not trigger refunds. Promotional offers carry their own terms, often limiting refunds to the paid portion only. Service level agreements specify uptime guarantees that may qualify for service credits instead of cash refunds.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments trigger immediate notification and suspension of service access until resolved. Duplicate charges are investigated and credited automatically upon detection. Chargebacks are treated as disputes requiring evidence submission to payment processors. Suspected fraudulent activity results in account review and possible referral to Singapore authorities while preserving client rights to legitimate claims.

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

Nothing in this policy excludes rights under the Consumer Protection (Fair Trading) Act, the Sale of Goods Act, or the Unfair Contract Terms Act applicable in Singapore. Clients retain the right to seek remedies through the Small Claims Tribunal or other competent forums for breaches of implied terms regarding service quality and fitness for purpose.

Contact Route, Policy Changes, and Last-Updated Date

For questions regarding this policy contact us via the form on our Contacts page or email [email protected]. We may update this policy to reflect legislative changes or service evolution. The current version date appears at the top of the page. Continued use of services after updates constitutes acceptance of the revised terms. 190 Middle Road, #10-08 Fortune Centre, Singapore 188979 +65 6250 3575