1. The short version
| Program | Full refund | Partial refund | No refund |
|---|---|---|---|
| Market Mechanics (US$297) | Within 14 days of purchase if you have completed under 25% of the content | Not offered | After 14 days, or once 25% or more is complete |
| Practitioner Program (US$997) | Within 14 days of purchase if you have completed under 25% of the content | Not offered | After 14 days, or once 25% or more is complete |
| Mentorship Cohort (US$2,997) | Requested 7 or more days before the cohort start date | 50% if requested less than 7 days before the start date | Once the first live session has taken place |
| Professional Track (US$5,997) | Requested 7 or more days before the start date | 50% if requested less than 7 days before the start date | Once the first session has taken place |
2. How to request one
Email billing@opheleoacademy.com from the address you used at checkout, with your order number if you have it. You do not have to give a reason.
We acknowledge within two business days. Approved refunds are issued within five business days to the original payment method. Your bank may take a further three to ten days to show it.
3. How “25% complete” is measured
By lessons marked complete in your account, as a share of the lessons in the program. Downloading the workbook does not count as completion. If the measurement looks wrong to you, say so and we will look at the actual record rather than argue.
4. Cohorts and seats
Cohort seats are capped at twelve and are held for you from the moment you enrol, which is why the cut-off is seven days before the start: after that we can no longer offer the seat to anyone else.
If we cancel or reschedule a cohort, you may take the next one or have a full refund, whichever you prefer.
You may transfer once to the next cohort at no charge if you ask at least seven days before the start date.
5. Payment plans
If you are on a payment plan and become eligible for a refund, we refund what you have paid and cancel the remaining instalments.
If you stop paying without requesting a refund, access is suspended until the plan is settled or cancelled.
6. Before you raise a chargeback
Please email us first. Chargebacks cost us both time, and every case we have had would have been resolved faster by email. If you do not recognise a charge, it will read OPHELEO ACADEMY on your statement.
7. Your statutory rights
This policy sits alongside your rights under Singapore law, including the Consumer Protection (Fair Trading) Act, and under the law where you live if it gives you more. Nothing here reduces those rights.