Payment and Refund Policy

Last Updated: 22 September 2026

This Payment and Refund Policy applies to all services offered by journawaveel in relation to corporate health programmes, wellness workshops, health assessments, and related digital tools provided to businesses and their employees in Singapore.

Scope of the Policy and the Products or Services It Covers

The policy governs payments and refunds for corporate health services including on-site health screenings, virtual wellness coaching, subscription-based employee health portals, and bespoke corporate wellness packages. It covers both one-time bookings and recurring service agreements entered into by Singapore-registered companies. Individual employee participation is managed through the corporate account holder, and all financial transactions are processed between journawaveel and the contracting organisation.

Prices, Currencies, Taxes, and Any Additional Charges

All prices are quoted in Singapore dollars (SGD) and are inclusive of prevailing Goods and Services Tax (GST) at the rate set by the Inland Revenue Authority of Singapore. Additional charges may apply for custom venue requirements, after-hours scheduling, or expedited reporting. These are disclosed in the quotation before contract formation. Currency conversion fees for international corporate clients remain the responsibility of the payer.

Accepted Payment Methods, Payment Authorisation, and Payment Security

journawaveel accepts bank transfers, corporate credit cards, and electronic payment platforms commonly used in Singapore. Payment authorisation occurs upon receipt of a signed quotation or online acceptance of terms. All card transactions are processed through PCI-DSS compliant gateways. No payment details are stored on our servers beyond the minimum required for transaction processing and audit purposes.

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

A binding contract is formed when journawaveel issues a written confirmation following receipt of a purchase order or signed quotation from the corporate client. Service dates, participant numbers, and deliverables are specified in this confirmation. Amendments requested after confirmation may result in revised pricing or scheduling adjustments.

Cancellation Rights and Applicable Cancellation Periods

Corporate clients may cancel scheduled services with at least fourteen calendar days' written notice prior to the agreed commencement date without penalty. Cancellations received between seven and fourteen days incur a fifty percent charge of the quoted fee. Cancellations with less than seven days' notice are non-refundable except where mandatory consumer rights apply.

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

Refunds are available when services are cancelled within the permitted window, when journawaveel is unable to deliver due to unforeseen circumstances, or when a material defect in service quality is substantiated. Non-refundable items include completed health assessments already accessed by employees, customised digital content downloaded by the client, and promotional packages explicitly marked as non-refundable at the time of purchase.

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

To request a refund, the authorised corporate contact must email [email protected] with the invoice number, service date, reason for the request, and supporting documentation if applicable. Requests must be submitted within thirty days of the original invoice date or service completion, whichever is later. Incomplete submissions will be returned for additional information.

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

Upon receipt, journawaveel will acknowledge the request within three business days and conduct an internal review. A decision will be communicated in writing within ten business days. Approved refunds will detail the amount and expected timeline. Rejected requests will include the specific grounds and any available appeal process.

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

Approved refunds are issued via the original payment method. Bank transfers typically reach the client's account within five to seven business days. Credit card refunds may take up to fourteen business days depending on the issuing bank. journawaveel will provide a reference number for tracking purposes.

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

Digital health portal subscriptions are billed monthly or annually in advance. Clients may downgrade or cancel subscriptions with thirty days' notice; no prorated refunds are provided for the current billing cycle. Promotional offers and bundled services are subject to the terms stated at purchase and are generally non-refundable once activated.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

In the event of a failed payment, journawaveel will notify the client and attempt reprocessing within forty-eight hours. Duplicate charges identified by the client should be reported immediately to [email protected] for investigation and correction. Chargebacks and suspected fraudulent activity are investigated in accordance with Singapore banking regulations and may result in service suspension pending resolution.

Mandatory Consumer Rights in Singapore That the Policy Cannot Exclude

Nothing in this policy affects the rights of corporate clients under the Unfair Contract Terms Act, the Consumer Protection (Fair Trading) Act, or any other applicable Singapore legislation. Statutory guarantees regarding service quality and remedies for breach remain fully enforceable regardless of the terms stated herein.

Contact Route, Policy Changes, and Last-Updated Date

Queries regarding this policy should be directed to [email protected] or by post to 25 Bukit Batok Crescent, #07-12, The Elitist, Singapore 658066. journawaveel reserves the right to amend this policy to reflect changes in law or business practice. The current version will always be posted on the website with the last-updated date clearly displayed. Continued use of services after an update constitutes acceptance of the revised terms.