Our Policies

How are Ancourage Academy lesson packages paid for?

We offer 4-, 12-, and 24-lesson packages, with larger packages at a lower per-lesson rate. Fees are payable in advance to secure a seat.

The first time your child enrols in a subject we also collect a one-off enrolment deposit equal to one lesson's fee for that subject. It sits on top of the package fee, is held for as long as your child studies that subject, and is not drawn down by lessons. A further package in the same subject does not attract another deposit; adding a new subject does, so there is one enrolment deposit per subject. If your child moves up to a level where the lesson fee is higher, or from group lessons to 1-to-1 lessons, we ask you to top the deposit up so that it still equals one lesson's fee — we do not collect a second deposit.

For 4- and 12-lesson packages, full payment is required upfront. The 24-lesson package may be paid in full upfront, or in blocks of 4 lessons. Where you pay in blocks, the first payment covers your first block of 4 lessons plus an instalment deposit equal to 4 lessons, which is applied to the final 4 lessons of the package; on that route the instalment deposit takes the place of the enrolment deposit, and it is not refundable.

How much notice must I give to withdraw from a lesson package?

Notice and timing. Give us at least 2 weeks' written notice saying that you are withdrawing, naming the student, and from which subject. Send it by email to tuition@ancourage.net or by WhatsApp or SMS to the Centre number: a message to the tutor is not notice until it reaches one of those, and your notice runs from the day it reaches us.

Enrolment deposit. On that notice, the enrolment deposit for the subject your child is leaving is returned within 14 days of the last lesson — or, where no lesson in that subject has been attended, within 14 days of your notice — as cash or lesson credit, whichever you prefer. Where an amount is outstanding, we may apply the deposit towards what is outstanding for that subject first, then for any other, but only up to the outstanding amount, and the remainder is returned to you. With less notice we keep it, as the earnest described in our Terms, though we put it towards anything outstanding for that subject first.

Blocks of 4. A 24-lesson package paid in blocks of 4 works differently: the 24 lessons are a single commitment, paying in blocks spreads the cost rather than creating a way out, and if you choose to stop before the package is complete the instalment deposit is forfeited in full. The instalment deposit is forfeited in full in the same way if we end the enrolment because of misconduct, materially inaccurate information, or another material breach of our Terms, and if we end it for non-payment. Where your child stops because of a material change we make, on the terms and within the time clause 5 sets out, or because we end the enrolment for our own reasons, it is not forfeited, and the part of it that has not already paid for a lesson we provided becomes lesson credits instead. The same applies where you tell us in writing that you are stopping within 14 days of our notice of a change we make to the day or time of your child’s own class, other than a change you asked for or agreed to in writing, a temporary change of 4 scheduled lessons or fewer, or a change where the original class is still available to your child on the same terms. It is never returned in cash, except where we stop offering the subject at the centre you booked and you decline the alternatives we offer (see clause 5 of Refunds and Withdrawals in our Terms), or where a Force Majeure closure of more than 90 days ends the enrolment on the conditions in Force Majeure in our Terms. See our Terms & Conditions for the full withdrawal procedure.

Discounts and promotions. Discounts and promotions apply only to the package purchased at the time of payment. They do not carry forward to a further package or a different package size, unless we say otherwise.

How to pay. We accept PayNow, bank transfers, cash, cheque, and cryptocurrency including USDT (please include the student's name and course in the reference for transfers).

Paying in cryptocurrency. Where we agree to take payment in cryptocurrency, we will tell you the asset, the network and the number of confirmations we need. We value what you send in Singapore dollars at CoinGecko's published SGD rate for that asset at the time it first reaches our wallet, and that is the amount credited to your account. You bear the exchange and network charges: where the amount credited falls short of what is due, the shortfall stays due. Send only the amount we agree for your booking: where more reaches us than is due, we may decline the payment and return it, or hold the excess as lesson credit for that student, and before returning any overpayment we verify the payer and the repayment instructions. Payment is in cleared funds, for the purposes of the formation clause in our Terms & Conditions, once the confirmations we asked for have been made. Any refund, deposit return or other sum we owe you is paid in Singapore dollars, whatever you paid in — we do not return cryptocurrency.

Are tuition fees at Ancourage Academy refundable?

What we do not refund. Lesson fees are non-refundable, and so is the 4-lesson instalment deposit on a 24-lesson package paid in blocks: once payment has been confirmed we do not provide cash refunds of lesson fees.

Enrolment deposit. The one-off enrolment deposit is the exception — it is refundable. On withdrawal with at least 2 weeks' written notice we return it within 14 days of the last lesson — or, where no lesson in that subject has been attended, within 14 days of your notice — as cash or lesson credit, whichever you prefer. Where an amount is outstanding, we may apply the deposit towards what is outstanding for that subject first, then for any other, but only up to the outstanding amount, and the remainder is returned to you. With less notice we keep it, as the earnest described in our Terms, though we put it towards anything outstanding for that subject first.

Where we stop. The narrower cash-return exceptions in our Terms are limited to three cases: where we stop offering the subject at the centre you booked; where we end an enrolment for our own reasons and no alternative we offer is one your child can reasonably attend, as defined in clause 5 of our Terms; and where a Force Majeure event has prevented lessons in that subject for more than 90 days and either of us ends the enrolment on the conditions in Force Majeure in our Terms.

What happens to lessons I have paid for but not used?

Validity period. For prepaid lesson packages, any unused lessons will be held as credits, measured from the date of purchase: six (6) months for 4- and 12-lesson packages, and 365 days for 24-lesson packages. Where a package is paid in blocks of 4, validity runs from the first payment for that package and covers every block within it. Validity is never shorter than the time needed to deliver every lesson purchased at the frequency we schedule lessons in that subject; lessons scheduled but not attended do not extend it.

No seat available. Where, for a continuous period, we cannot offer your child any seat in that subject at their level and class type at either centre or online, that period does not count towards the validity of the affected credits, and we will tell you when it starts and ends, though the period is measured by when we could not, and could again, offer such a seat, whether or not we have told you; this does not apply where you decline a class your child can reasonably attend, as defined in clause 5 of our Terms.

Same subject. These credits stay with the subject they were bought for and may be applied to further lessons in that same subject, subject to schedule and seat availability.

What one credit buys. One credit buys one lesson in that subject at the same level and class type (group or 1-to-1), whatever our published fee for that lesson is on the day the credit is used: a later increase in our fees does not reduce the number of lessons your credits are worth.

Deposit as credit. A deposit you take back as lesson credit is a lesson credit for the purposes of this clause and is subject to it in the same way, including its validity period, which runs on the same clock as the other credits for that subject or, where there are none, for six (6) months from the date we issue it.

Student and subject. Credits are tied to one student and one subject: they cannot be moved to another student or to a different subject, and cannot be exchanged for cash, except where clause 5 of Refunds and Withdrawals in our Terms allows it, following a material change we made, or where clause 6 of those Terms allows it, because we ended your enrolment for our own reasons.

Fee changes on a move. If your child moves up to a level where the lesson fee is higher, or from group lessons to 1-to-1 lessons, credits carry across within the same subject at their cash value — the amount paid for those unused lessons — and you may top up the difference to keep the same number of lessons. Where the fee is lower for what your child moves to, credits are not revalued: one credit still buys one lesson.

Expiry and reminders. Credits expire at 23:59 (Singapore Time) on the last day of the validity period above. As a courtesy we aim to remind you around 30 days and again around 7 days before that date, but reminders are not a condition of expiry and a missed reminder does not extend the validity period; credits not used by then are forfeited, except where the Same-Day Exceptions under Attendance, Punctuality and Replacements below extend them.

Suspension or closure. If we suspend classes for a reason on our side, the validity period for that subject's credits is extended by the length of the suspension; where classes are suspended because an amount for that subject is overdue, or because of a student's conduct, the credits stay yours but the validity period is not extended. Where the centre your child attends is closed for a Force Majeure event, the validity of the affected credits is extended by a period equivalent to the closure; that extension is automatic and you do not need to ask for it.

Ended for non-payment. Where we terminate an enrolment for non-payment under “Late Payment and Non-Payment” below, the termination itself does not shorten the expiry date that applies to that subject's credits, and we stop sending expiry reminders for that subject — when that termination takes effect we may apply the value of unused credits towards the outstanding amount, up to that amount, and anything left over is dealt with as set out under If We Suspend or End Your Enrolment in our Terms.

What happens to the enrolment deposit if I stop without giving notice?

When enrolment ends. If your child has not attended a lesson in a subject, and no further package for that subject has been purchased, for 365 days after the last lesson — or, where no lesson in that subject has ever been attended, for 365 days after the first payment for that subject — we treat enrolment in that subject as ended. Any period during which we have suspended classes for that subject for a reason on our side, or during which the centre your child attends is closed for a Force Majeure event, does not count towards the 365 days; a suspension because an amount for that subject is overdue, or because of a student's conduct, does count. You do not need to ask, and you do not need to have given notice for that to happen.

What happens then. Where an enrolment ends this way, any enrolment deposit we hold for that subject is not returned — it stays with us, on the same footing as a withdrawal on less than 2 weeks' notice. Where an amount is outstanding for that subject, we apply the deposit towards it first, up to the outstanding amount, and that much of what you owe is discharged; we keep anything left over. We will write to you within 14 days to say the enrolment has ended and what happened to the deposit. This applies to each subject separately, and it does not change the position on lesson fees or on the validity of any unused credits. On the 24-lesson block route no enrolment deposit is held; letting the enrolment end this way with lessons untaken counts as stopping early, and because stopping is your decision the instalment deposit is forfeited in full, as set out under Blocks of 4 above.

In rare cases of a medical emergency, a family relocation, or other exceptional hardship outside your reasonable control, which you evidence to our reasonable satisfaction within 30 days of the event, we consider requests to extend the validity of unused lesson credits case by case. The decision stays ours, and any help we offer comes as credits, not cash.

For full details, please refer to our Terms & Conditions.

Steady progress comes from regular, on-time attendance. When we confirm a lesson, we reserve a tutor and a place for your child, and that commitment runs both ways. If you need to miss a class, tell us at least 24 hours in advance, with a valid reason, and we release the booking and return the lesson credit to your package balance, subject to the supporting-information rules below; a replacement lesson may be arranged, subject to availability. The Same-Day Exceptions below continue to apply.

A valid reason means illness, a family emergency, a school or national commitment, or another circumstance outside your and your child's reasonable control. We may ask for reasonable supporting information. Where we ask and the information does not reach us within 7 days of our request, the lesson counts as one lesson used and the credit is not returned; where that credit has already been used, we deduct a further lesson credit for that subject. Whether a reason is a valid reason is for us to decide, acting reasonably on the information you give us.

Replacements are subject to seat availability. A replacement slot that is offered but not accepted does not become an extra credit, and is not exchanged for cash or set against future fees — the lesson credit already returned to your balance stays yours until it expires. Once we confirm a replacement lesson, it is a booking like any other: the notice rules and Same-Day Exceptions below apply to it. A replacement lesson is for the same student and the same subject as the lesson missed: credits cannot be moved between students or between subjects.

For illness, we may request a medical certificate. Where we do, we will ask within 7 days of the lesson, and it must reach us within 7 days of the lesson — or, where we ask after the 4th day after the lesson, within 3 days of our request — or the lesson counts as one lesson used and the credit is not returned.

What happens to the lesson depends on the notice and the reason, matching the Cancellations and Replacement Lessons section of our Terms & Conditions:

• At least 24 hours' notice, with a valid reason: we release the booking and return the lesson credit to your package balance, and a replacement lesson may be arranged (subject to availability).
• At least 24 hours' notice, without a valid reason: the booking stays in place and the lesson counts as one lesson used.
• Less than 24 hours' notice, or your child does not attend: the booking stays in place and we continue to reserve the tutor and the place. The lesson counts as one lesson used, whether or not your child attends, and the credit is not returned — except in the two cases set out under Same-Day Exceptions below.

Same-Day Exceptions: what happens if my child is ill on the day of a lesson?

The lesson credit comes back. Where your child misses a lesson on less than 24 hours' notice for one of the two reasons below, we treat it as though you had given us timely notice with a valid reason: we release the booking, return the lesson credit to your package balance, and a replacement may be arranged (subject to availability), because some things cannot be foreseen a day ahead. This applies to group and 1-to-1 lessons alike. The no-document bereavement route may be used once in any rolling 12-month period across both classes and camps, a single death being one use, and where a further bereavement falls within that period the same credit treatment applies, but we may ask for reasonable evidence limited to the fact and date of the death and the relationship to your child.

• Illness, certified. A medical certificate issued by a doctor, dentist or TCM practitioner registered in Singapore, a hospital discharge slip, or an A&E memo. The certificate must cover the day of the lesson, or be issued within 24 hours of it where you told us on the day of the lesson that your child was ill, or we declined to admit your child that day.
• A death in your child's immediate family — a parent, legal guardian, sibling or grandparent, or a person who has stood in one of those roles — covering the scheduled lessons missed in the 14 days following, up to 4 lessons in total across all subjects. Tell us who the person was and their relationship to your child.

Certified illness. For a certified illness, the document must reach us within 7 days of the lesson. Where we asked for it after the 4th day, it may instead reach us within 3 days of our request. That is a condition of the credit coming back: if we do not have it by the applicable deadline, the lesson counts as one lesson used and the credit is not returned.

Bereavement. For a death in the family we ask for no document at all — tell us as soon as you reasonably can, and ordinarily within 7 days of the death; notice within those 7 days is a condition of the credit unless the circumstances of the bereavement made telling us in time not reasonably practicable. Telling us later does not revive a credit that has already expired.

Either reason. For either reason, the lesson itself must have fallen within the validity period of the package it was drawn from. Where that period ends before the 7 days are up or, for illness, before the later medical-document deadline above, the credit is still returned and stays available for 7 days from the day we return it to you.

This applies to lessons drawn from a 4-, 12- or 24-lesson package. Trial classes are not covered, and camps, parties, workshops and other sessions sold for a named date are governed by section 5 of our Terms instead. These are the only two same-day exceptions: a short-notice absence for any other reason, including a school or CCA commitment announced at short notice or a transport disruption, is treated as a lesson used. Where an absence is directed by a school or by MOE on health grounds, it will normally come with a doctor's memo or certificate, which brings it within the certified-illness exception above. The full terms are set out under Cancellations and Replacement Lessons in our Terms & Conditions.

Black out anything we do not need. Only three things need to stay legible: your child's name, the dates the document covers, and enough of the clinic's or hospital's letterhead or stamp to show it is genuine. Redact the rest — the diagnosis in particular. We do not collect NRIC, FIN or passport numbers, so please remove them; if one reaches us anyway, we black it out on arrival and do not record it. We do not file the document with your child's record, and we keep it no longer than we need it.

Where a medical document of the kind described above shows that your child was unfit to attend for a continuous period of 14 days or more, you may ask us to extend the validity of the affected credits by the length of that absence. We consider each request on its facts and decide whether to grant it, acting reasonably. Where we do, the extension runs to no more than the original validity period of the package, and we grant one extension per package.

• A deferral is a pause of a whole package — before its first lesson, or from a date you tell us — for a continuous period. It is not a way to cancel individual lessons; those follow the attendance rules above.
• Requests must reach us at least 72 hours before the first lesson affected; we may decline a later request.
• Deferrals depend on availability, and a deferred restart is scheduled within 1.5 months of the original start date — that is how long we can hold a seat open.
• If the restart cannot happen within that window, it is the held seat that goes, not your lessons: the unused lessons revert to the standard lesson credit above and remain available for the rest of that package's validity period.

• Fees are payable in advance. An amount becomes due on the date stated in the payment request we send you by WhatsApp or email. Where a request states no date, the amount is due 7 calendar days after we send it. Where we have not sent a request, an amount for a package or block is due on the day of the first lesson it covers, and the late fee runs only from a request we send. A newly set due date is never earlier than the day we send the request, and a reminder does not change an existing due date. Every period in this section runs from that due date. Where a payment is later reversed, dishonoured or charged back, the amount it covered becomes due again on the day we tell you, and this section applies to it from that date; we may also suspend classes for that subject at once until it is settled, unless the reversal was a bank or payment-provider error.
• If payment is more than 48 hours late, a late fee of SGD$10 per day applies, capped at SGD$120 in total and never more than the outstanding amount it relates to. The fee runs until the outstanding amount is paid and stops accruing 14 calendar days after the due date.
• If payment is more than 7 days late, we may suspend classes for the subject the outstanding amount relates to, until the balance is cleared. We will not suspend classes for a different subject that is already paid for.
• If we suspend classes for non-payment, your unused lesson credits for that subject stay yours and are not forfeited, but the validity period is not extended: a suspension you can end by settling the amount due is not a stoppage on our side. Where we suspend for a reason on our side, the validity period is extended — see “Suspension or closure” above.

• Termination. If an amount due for a subject remains unpaid more than 14 calendar days after its due date, we may terminate the enrolment for that subject by written notice.

  Set-off. When that termination takes effect we may apply, towards the outstanding amount, the value of any unused lesson credits and the enrolment deposit we hold for that subject; if that does not cover it, we may then apply unused credits and enrolment deposits held for your other subjects, but only up to the outstanding amount.

  What is left over. Anything left over remains yours: any remaining enrolment deposit comes back within 14 days as lesson credit on the same basis as the credits described next, and any remaining lesson credits stay as credits which, once the amount is settled, you may use for the same subject or for another subject we run, at our other centre, or online (their validity runs to the later of its ordinary expiry and six months after the day the amount is settled; they are not returned in cash on this ground); and we will tell you in writing, when we apply these amounts or promptly afterwards, what we have applied and what remains. Where we apply a deposit held for a subject your child continues to attend, we will ask you to top that deposit back up so that it again equals one lesson's fee.

  Instalment deposit. Any instalment deposit on a 24-lesson package paid in blocks is not part of this set-off and continues to be governed by our Terms & Conditions.

  Non-excludable rights. Nothing in this clause excludes or limits any right or remedy that cannot lawfully be excluded or limited under Singapore law.

The late fee is there to cover the administrative cost of following up an overdue payment. It is capped for that reason, and we would rather you simply talk to us: if you are having difficulty paying, contact us before the due date and we will try to work something out.

Operational changes. To keep class sizes healthy and learning effective, we may adjust schedules, reassign tutors, or merge/split classes. Changing the teacher assigned to a class, including cover for a tutor's absence; changing programme content while the subject and level stay the same; changing whether a class runs in person or online; and merging or splitting classes where your child's subject, level and class type stay the same, are operational changes: we tell you in advance where we reasonably can, and they do not give a right to withdraw under clause 5 of our Terms. Changing the day or time of your child's class is also an operational change where your child can reasonably attend the class as changed, or an alternative class we offer — whether the change is temporary or permanent, and however long it lasts.

Day, time or level. Where we change the day or time of your child's class, or the level at which your child is taught, clause 5 of our Terms governs in full: your child keeps their place in the class as changed, we offer an alternative in the same subject and at the same level where we reasonably can, and the right to end that enrolment without the usual withdrawal notice arises only where we change the level at which your child is taught and offer no class at your child's current level, at either of our centres or online, that your child can reasonably attend (a move to the next level when your child's school level changes, or a change you asked for or agreed to in writing, or a merge into a class taught at more than one level where your child's level is still taught at the same class type, does not count), or where we change the day or time and neither the class as changed nor any alternative we offer is one your child can reasonably attend. Apart from the specific rule for a change lasting 4 scheduled lessons or fewer, how long a change lasts is never what decides it; such a short change of day or time never gives that right: a lesson your child cannot reasonably attend during it, as defined below, is treated as a lesson we cancelled, provided that you tell us of the clash, with the school's timetable or letter, before that lesson or, where our notice reached you on or after the day of that lesson, within 7 days of it. To use the right, tell us in writing within 14 days of the date of our notice (we may give that notice in writing or in person to you, and the 14 days run from the day we tell you, but telling your child is not notice to you; we normally give it in writing, dated the day we send it, and where a written notice reaches you later than that date the 14 days run from the day it reaches you; where we gave no notice, or cannot show the day on which we gave it, they run instead from the day the change first takes effect, and where a change we said would last 4 scheduled lessons or fewer is extended or made permanent a fresh 14 days runs for that extension from the day we tell you of it or, where we do not tell you, from the first lesson beyond the period we announced); we then have 7 days, from your notice or, where we ask for the school's timetable, from its reaching us, to offer a class your child can reasonably attend, and where we do your notice does not take effect; after the 14 days the right lapses. Those 14 days limit that particular right and nothing else: we do not treat your silence, or your child continuing to attend, as your agreement to a change, and your ordinary right to end an enrolment on 2 weeks' written notice is unaffected. A class your child can reasonably attend is one that does not fall within your child's school hours, meaning the school timetable and any activity the school requires your child to attend, as shown by the school, and in place when the change takes effect, unless you chose it, or its timing, after our notice; no other commitment, travel time, or a preference for the original day or time counts. Where the student is not at school, school hours means the fixed hours of their full-time employment or full-time education, as shown by that body; hours spent in childcare or other care do not count.

Stopping a subject. If we need to stop running a subject at the centre you booked, that clause also applies: it sets out the notice we will give, the alternatives we will offer, your right to accept or decline them, and when that enrolment ends, and on what terms, without the usual withdrawal notice.

Holidays and closures. We remain in operation during gazetted holidays unless otherwise stated. Where we cancel a lesson — whether for a public holiday or because the centre your child attends is closed, planned or not — that lesson never counts as one lesson used: we offer a replacement where schedule and seat availability allow, and the lesson credit stays on your package balance; where it suits both sides we may run the lesson online instead. We will tell affected families as early as we can.

We aim for a respectful, focused classroom. Students should follow the tutor's guidance and keep personal devices silent unless permitted. Drop-off and pick-up remain your responsibility — we are not able to supervise your child before drop-off or after collection; what happens if nobody has arrived when a session ends is set out under Drop-Off and Pick-Up in our Terms & Conditions. Please tell us about any allergies, medical conditions or learning needs before lessons begin.

In an emergency, we may provide basic first aid and seek medical help — for an adult participant, with their agreement where they are able to give it. Who bears any costs that follow is determined first by applicable law. Where the law does not require us to bear a cost and we reasonably pay it, the person who enrolled the student reimburses us; that does not apply to the extent the cost results from our negligence or our breach of the Terms & Conditions. Nothing here limits an employee's rights, or an employer's obligations, under the Work Injury Compensation Act 2019.

All worksheets, notes, slides, recordings and digital resources are for the enrolled students’ personal study only. Please do not copy, scan, upload, distribute or resell these materials.

We use WhatsApp as our main mode of communication for lesson updates and centre notices — do keep your contact details current. We collect and use personal data to manage enrolment, payments, lesson delivery, safety and compliance, and apply reasonable safeguards. This is a summary: the full list of purposes, the choices you have, and how to exercise them are set out in our Privacy Policy.

By enrolling at Ancourage Academy, you consent to us capturing and using classroom photos, short videos and testimonials featuring your child for five purposes: documenting learning and progress in our own records, displaying work at the Centre, posting on our website and social media, creating promotional materials such as brochures, flyers and advertisements, and sharing success stories and testimonials. These are the same five purposes set out in our Privacy Policy, and we use the material for nothing else. This consent is optional and separable from your enrolment — you may withdraw it at any time, and doing so does not affect your child's enrolment. We are mindful of privacy and will avoid publishing full names or personal contact details without explicit permission.

If you enrol as an adult learner, this applies directly to you: the consent above covers your own photos, videos, testimonials and work, for the same five purposes, and you may decline or withdraw it without affecting your enrolment. Where an organisation books a programme for its people, its booking does not by itself cover a participant's photos or videos — before we use them for these purposes we give that participant this notice and ask them — or their parent or guardian, where the participant is a child or cannot give consent for themselves — unless someone validly authorised to act for them has already answered.

Enrolling also gives us permission to show the work your child makes here — artwork, writing, projects — when we showcase our programmes. That permission is narrow: it does not transfer ownership, it does not let us sell the work or use it to advertise anyone else, and it lasts only until you withdraw it. The full terms are set out under Student Work in our Terms & Conditions.

You may opt out at any time — just drop us a text — and we will exclude your child from future materials as soon as reasonably practicable — ordinarily within 7 business days for new use and 14 days to remove existing posts we control (we cancel anything scheduled that we can still stop; copies already beyond our reach — printed materials already distributed, or posts others have shared — may not be recoverable, and we cannot promise to retrieve those). Unless you tell us you mean only one of them, asking us to stop using photos, videos or work featuring your child withdraws both the photography consent and the permission to show your child's work.

If you would like private lessons with one of our tutors, please come to us first. To protect the integrity of our programmes, while a tutor is teaching your child, and for 3 months after that tutor last taught your child, you agree not to knowingly solicit that tutor to give private lessons in the same subject to your child, or to another child in your household, outside the centre, where the opportunity arose through contact we facilitated; and not to get someone else to do what this clause stops you doing. It does not stop an arrangement that comes about independently through a genuine public advertisement or agency introduction, or one made through us and approved by us in writing. Nothing in this clause limits the remedies available to us under Singapore law, including the right to seek injunctive relief.

Learning depends on many factors — attendance, completed practice, individual effort and starting level. We do not guarantee specific results, grades or admissions outcomes. The limits on our liability, the carve-outs that cannot lawfully be excluded, insurance and the indemnity you give us are set out under Liability and Indemnification in our Terms & Conditions.