Payment and Refund Policy
Last updated: 25 September 2026
Scope of the Policy and the Products or Services It Covers
This Payment and Refund Policy applies to all transactions involving the purchase of insurance programming services and related digital products offered through presslinxy. These services include custom software development for insurance risk assessment, policy management tools, claims processing automation, and subscription-based access to proprietary insurance analytics platforms. The policy governs payments made by customers located in Singapore and covers both one-time purchases and recurring subscriptions. It does not apply to services provided under separate bespoke contracts negotiated directly with presslinxy.
Prices, Currencies, Taxes, and Any Additional Charges
All prices are quoted in Singapore Dollars (SGD) unless otherwise stated. Prices displayed on the website are inclusive of Goods and Services Tax (GST) at the prevailing rate. Customers are responsible for any additional taxes, duties, or levies imposed by their local jurisdiction outside Singapore. No hidden fees apply to standard transactions; however, custom development requests may incur extra charges that will be quoted separately before confirmation. Currency conversion fees charged by payment providers are the responsibility of the customer.
Accepted Payment Methods, Payment Authorisation, and Payment Security
presslinxy accepts major credit and debit cards, PayNow, and bank transfers for payments. All transactions are processed through secure, PCI-DSS compliant gateways. Payment authorisation occurs at the time of order placement, and funds are held until the service is confirmed. We employ industry-standard encryption and do not store full card details on our servers. Customers will receive an email confirmation once payment has been successfully authorised.
Order, Booking, or Service Confirmation and When a Contract Is Formed
A binding contract is formed when presslinxy sends an order confirmation email following successful payment authorisation. This email outlines the specific services purchased, start dates for digital access, and any applicable subscription terms. Until this confirmation is received, no contract exists, and the customer may cancel without penalty by contacting us immediately.
Cancellation Rights and Applicable Cancellation Periods
Customers in Singapore have the right to cancel within seven working days of contract formation for most services, provided the service has not yet commenced. Subscriptions may be cancelled at any time before the next billing cycle with no penalty. Digital content that has been downloaded or accessed is generally non-cancellable after delivery begins.
Refund Eligibility, Exclusions, and Non-Refundable Items or Services
Refunds are available for unused portions of subscriptions and for services not yet delivered. Exclusions include custom-developed code once approved by the customer, promotional offers, and any services where work has commenced at the customer's request. Non-refundable items also cover any taxes already remitted to authorities.
The Step-by-Step Procedure and Information Required to Request a Refund
To request a refund, customers must submit a written request via the contact form on our Contacts page or by emailing [email protected]. The request should include the order number, date of purchase, reason for the refund, and supporting details such as screenshots of any issues encountered. Incomplete requests may delay processing.
Inspection, Approval, Rejection, and Notification of the Refund Decision
Upon receipt, presslinxy will inspect the request within five working days. Approval depends on eligibility under this policy. Customers will be notified by email of the decision, including reasons if rejected. Approved refunds will proceed to processing without further action from the customer.
Refund Method, Processing Time, and When Funds Should Reach the Customer
Refunds are issued to the original payment method. Processing typically takes five to ten working days after approval, though bank transfers may require up to fourteen working days for funds to appear. Customers will receive a confirmation email once the refund has been initiated.
Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant
Digital insurance programming tools and subscriptions are subject to pro-rated refunds only if cancelled before the billing period ends. Promotional pricing is non-refundable beyond the standard seven-day period. Access to cloud-based services ceases immediately upon cancellation of a subscription.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments will result in the order being placed on hold until resolved. Duplicate charges are investigated and refunded automatically where verified. Chargebacks are treated as cancellations and may affect future purchasing privileges. Suspected fraudulent activity leads to immediate account suspension and reporting to relevant Singapore authorities.
Mandatory Consumer Rights in Singapore That the Policy Cannot Exclude
Nothing in this policy excludes or limits rights under the Consumer Protection (Fair Trading) Act or other applicable Singapore legislation, including the right to remedies for defective services or misleading conduct. Customers retain all statutory protections regardless of this policy.
Contact Route, Policy Changes, and Last-Updated Date
For questions about this policy, contact presslinxy using the form on our Contacts page or by writing to [email protected]. We may update this policy periodically; changes will be posted on this page with a new last-updated date. Continued use of our services after changes constitutes acceptance of the updated terms. This version was last updated on 25 September 2026.