These Terms and Conditions govern enrolment, payments, participation, class scheduling, cancellations and refunds for all training programmes offered under Kreate Coach.

By registering for a programme and making the applicable payment, students acknowledge that they have read and agreed to the following terms.

1. ENROLMENT & PAYMENT POLICY

1. Enrolment is considered confirmed upon receipt of the applicable registration amount, token fee or programme fee, as communicated by Kreate Coach.
2. Any token or registration amount paid towards a programme shall be adjusted against the total programme fee, unless otherwise communicated in writing.
3. Students are required to clear the remaining course fee within the stipulated payment timeline.
4. Failure to complete the payment within the agreed timeline may result in cancellation of the provisional admission or suspension of access to the programme, subject to applicable law.
5. Students are advised to review the programme details, duration, schedule, fee structure and applicable terms before confirming their enrolment.

2. REFUND & CANCELLATION POLICY

Kreate Coach follows a general no-refund policy for confirmed enrolments.

Once the programme has commenced, course fees are ordinarily non-refundable in cases involving:

• Change of mind or personal preferences.
• Personal commitments or change in availability.
• Inability to attend scheduled classes.
• Personal or professional circumstances of the student.
• Failure to participate in assignments, activities or assessments.
• Voluntary withdrawal or discontinuation of the programme.

However, this policy shall not restrict any refund or other remedy that may be required under applicable law.

Exceptional Refund Consideration

Kreate Coach understands that unforeseen circumstances may affect the delivery of a programme.

Accordingly, if five (5) or more classes are cumulatively rescheduled or their originally communicated timings are materially changed due to reasons attributable to Kreate Coach, the student may submit a written request for refund consideration.

Such requests will be reviewed individually, taking into account:

• The total number of classes affected.
• The reasons for rescheduling or timing changes.
• The extent of disruption to the original schedule.
• The number of classes already conducted.
• The remaining undelivered portion of the programme.
• Whether suitable alternative arrangements or makeup sessions have been provided.

Meeting the above threshold does not automatically guarantee a refund.

Where a refund is found to be appropriate, the amount will be assessed fairly, taking into consideration the services already delivered and the undelivered portion of the programme, subject to applicable law.

Any approved refund will ordinarily be processed within 7–10 working days through the original payment method, subject to payment processing requirements.