Terms & Conditions

These Terms and Conditions ("Terms") constitute a legal agreement between Ancourage Academy Pte. Ltd. (UEN 202408404R), a company incorporated in Singapore and trading as Ancourage Academy and Art by Ancourage ("we", "us", "our", or "Centre"), and you — meaning, as the case may be, the parent/guardian enrolling a student in our programmes, the adult learner enrolling themselves, or the organisation booking a programme for its people. Where you are an adult learner enrolling yourself, references in these Terms to "your child" or to a student are to be read as references to you.

Where you are an organisation booking a programme for your people, those references are to be read as references to each participant you enrol, and the obligations these Terms place on a parent/guardian are yours except as stated here. The sentences on these pages that give you the more favourable interpretation do not apply to an organisation: for you, the clauses are read in the ordinary way. Your booking does not by itself authorise medical treatment for a participant, make you responsible for a participant's medical, ambulance or hospital costs, or give the media consent described in our Privacy Policy: the Emergency Medical Authorisation and the allocation of medical costs below, and that media consent, apply as written there. You give us the emergency-contact details we ask for, and where a participant is a child you obtain their parent or guardian's authorisation under that clause, in writing, before that child attends — unless you are validly authorised to act for them. Where you do not, and we reasonably meet a cost that clause would have placed on that parent or guardian, you reimburse us.

In these Terms, a centre (lower case) means either of our premises, at Bishan or at Woodlands. Days are calendar days unless stated as business days; business days are Monday to Friday excluding Singapore public holidays. Something you send us is in writing where it is sent by email to tuition@ancourage.net or by WhatsApp or SMS to the Centre number: a message to a tutor, or on any other channel, is not notice to us, and a document you send us has not reached us, until it reaches one of those; a notice must also name the student and, where it concerns one, the subject it is about. Anything we give you in writing may be sent by email, WhatsApp or SMS to the address or number on your record, and is treated as received when it is delivered there, whether or not it has been read.

When a binding contract is formed — in the way set out at the end of this section, and in clause 1 of the Enrolment Agreement below — you acknowledge that you have read, understood, and agreed to be bound by these Terms, along with our Enrolment & Attendance Policies and Privacy Policy.

Please enrol or make payment only if you agree to these Terms, and do ask us first if anything here is unclear — we would rather answer the question than have you find out later. We may decline an enrolment at our discretion, and we will tell you if we do.

A binding contract is formed when we receive, in full and in cleared funds, the first payment we ask you for, or when you allow your child to attend a lesson under that enrolment, whichever happens first.

1. Formation of Contract

A binding contract is formed when we receive, in full and in cleared funds, the first payment we ask you for, or when you allow your child to attend a lesson under that enrolment, whichever happens first. Until one of those two things happens, anything we send you — a quotation, a proposed schedule, or a message holding a place for your child — is not an offer you can accept so as to form a contract, and no contract arises from it. Where these Terms refer to enrolling, or to your child being enrolled, they mean the enrolment created by this clause. This clause governs how you first enrol; once your child is enrolled, buying a further package is governed by clause 5 below.

We do not ask you to sign these Terms. They are published on this page, which is linked in the footer of every page on our website, and the summary at the top of it — headed “Paying, or starting lessons, is how you accept these Terms” — sets out the terms that matter most before you are bound by them. Making the first payment we ask you for, or allowing your child to attend a lesson, is how you accept them. Where you also tell us in writing that you accept them, that message and your payment are both records of your acceptance; the contract itself is formed at the time set out above, and neither forms a second, separate agreement.

2. Parental Consent

For enrolled students under 18 years of age, enrolment must be completed by a parent/guardian; where it was not, that does not affect the formation of the contract, and the adult who enrolled the student is bound by these Terms. You enter into this agreement yourself, and you confirm that you are the student's parent or lawful guardian, or are otherwise authorised to enrol them and to make the decisions these Terms require on their behalf. Where two of you enrolled together, we may act on instructions from either of you.

3. Payment Terms, GST and Late Payment

All fees are quoted in Singapore Dollars (SGD). Ancourage Academy is currently not GST-registered; therefore, no Goods and Services Tax (GST) is chargeable on our services. If we become GST-registered, the prices we display and quote from the date the registration takes effect include GST at the prevailing rate. Registration does not increase the agreed total of a package purchased before that date, including later blocks of a 24-lesson package already purchased. The per-lesson rate for a package is fixed when you buy it, for the level and class type you bought, and applies to every block within it, whatever our published fees do afterwards.

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. Our Enrolment and Attendance Policies set out when an amount becomes due, when the fee stops accruing, and what happens if an amount stays unpaid.

Raising a complaint or dispute does not, by itself, change a payment due date; the complaint is dealt with under Dispute Resolution below.

4. Accurate Information

You agree to provide accurate, complete, and current information during enrolment, including but not limited to: student's name, date of birth, school, grade level, medical condition, allergies, learning needs, and emergency contact details.

You must tell us in writing as soon as any of it changes; until you do, we may rely on the details we hold. We rely on this information to teach your child and to keep them safe, so where it is wrong or out of date we may need to suspend or end the enrolment; what happens to money you have already paid is set out in If We Suspend or End Your Enrolment below.

5. No Automatic Renewal

Lesson packages do not renew automatically. Each package of 4, 12 or 24 lessons is a separate purchase, and your commitment is to all lessons in the package you choose. Where a 24-lesson package is paid in blocks of 4, those payments are instalments towards that existing 24-lesson commitment — they are not renewals.

As the final lesson in a package approaches, we will usually contact you and may send an invoice stating the price of a further package. That invoice is an offer to continue, not a renewal, and no amount is due merely because we send it. A further package is purchased only when you accept it, by paying the stated amount or giving us a clear written instruction to proceed; silence or non-response is not acceptance. Until you accept, we will not debit any account or payment method, or enrol your child in that further package.

In summary: lesson packages are fixed at 4, 12 or 24 lessons, so you choose how far ahead you commit, and nothing renews automatically — continuing after a package is used up is always your decision. The clauses below set out what happens to money already paid: lesson fees are non-refundable, unused prepaid lessons will be held as credits whose validity depends on the size of the package (clause 2 below), and the two deposits follow their own rules — the enrolment deposit is returned on at least 2 weeks' written notice, the 24-lesson instalment deposit is not returned (clauses 1 and 3 below). See our payment policy for a package-by-package breakdown.

1. Non-Refundable Policy

Once confirmed and paid, lesson package payments are non-refundable, and we do not refund them in cash, except as clauses 5 and 6 below and the Force Majeure section provide. Deposits are separate from lesson fees, and the two we collect are not treated alike.

The enrolment deposit — a one-off deposit equal to one lesson's fee, collected the first time your child enrols in a subject and held on top of the package fee, as described in our payment policy — is refundable under clause 3 below. It is never drawn down by lessons. Where your child moves to a level at which the lesson fee is higher, or from group lessons to 1-to-1 lessons, we ask you to top it up so that it continues to equal one lesson's fee; we do not collect a second deposit. We hold it as your earnest that your child will take up the place we set aside, and that you will give us the notice we ask for before leaving. It is a one-off sum of one lesson's fee for the whole of your child's enrolment in that subject — not a charge on each package you buy — and it comes back whenever that notice is given, on the basis set out in clause 3 below. Where it is not given, we keep it as that earnest. It is not a charge for a lesson.

Nature and purpose. The instalment deposit — equal to 4 lessons, collected only where a 24-lesson package is paid in blocks of 4, and applied to the final 4 lessons of that package — is not refundable and is never returned in cash, except on the two routes below where we stop offering the subject at the centre you booked (clause 5) or a Force Majeure event lasting more than 90 days ends the enrolment (Force Majeure). We hold it as your earnest that all 24 lessons will be taken, and it is what makes paying in blocks possible. A 24-lesson package carries our lowest per-lesson rate: on this route your child is taught at that rate from the first lesson onwards, and we commit a place in a class for the whole package, while we hold only one block of fees at a time. The instalment deposit is our security for both. It takes the place of the enrolment deposit rather than being added to it.

Forfeiture. Paying in blocks spreads the cost of a 24-lesson commitment; it is not a right to end it early: where 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 where we end the enrolment because of misconduct, materially inaccurate information, or another material breach of these Terms, and where we end it for non-payment, on the grounds set out in clause 6 below.

The exceptions. It is not forfeited where your child stops because of a material change we make under clause 5 below, on the terms and within the time that clause sets out, or because we end the enrolment for our own reasons under clause 6 below. Nor is it forfeited where you tell us in writing that you are stopping within 14 days of the date 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, as clause 5 sets out. In those cases any part of the instalment deposit that has not already paid for a lesson we provided is applied to unused lesson credits instead, on the basis set out in clause 5.

Later blocks. Stopping does not make a later block immediately due, and we will not ask you for a block that had not fallen due when the package stopped; that does not affect an amount already due from you, or a claim arising from a separate breach.

The upfront route. Where you would prefer a deposit that comes back, the upfront route carries the refundable enrolment deposit instead.

2. Unused Lesson Credits

What a credit is. For prepaid lesson packages, any unused lessons will be held as credits for the same subject 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. Credits convert by value only where the fee is higher for what your child moves to (a higher level, or 1-to-1 lessons in place of group lessons), as set out below.

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.

How long credits last. How long credits stay valid depends on the size of the package, 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, validity runs from the first payment for that package and covers every block within it — see our payment policy.

The validity floor. 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. 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 that term is defined in clause 5 below.

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

Moving level or class type. Where your child moves up to a level at which 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. Credits expire at 23:59 (Singapore Time) on the day the validity period above ends: for a 4- or 12-lesson package (six (6) months' validity), the same day of the month six months after purchase (or the last day of that month, where it has no such day); for a 24-lesson package, 365 days after purchase, or after the first payment for that package where it is paid in blocks of 4. We aim to send a reminder to the mobile number or email address on file around 30 days and again around 7 days before that date. These reminders are a courtesy rather than a condition of expiry, so it is worth noting the date when you buy a package: a reminder that is not sent, not delivered, or not received does not extend the validity period. Credits not used by the expiry date are forfeited, except where the Same-Day Exceptions below extend them (Cancellations and Replacement Lessons).

Suspensions. Where 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, so a stoppage on our side never shortens the time available to use them; 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. An extension under this paragraph and a period that does not count under the validity floor above are not cumulative: the same period is counted once.

Deferrals. You may ask us to pause a whole package for a continuous period; the conditions, including the notice we ask for and how long we can hold a seat, are set out under Deferrals and Rescheduling in our payment policy. A deferral does not extend the validity period of the package.

Termination for non-payment. Where we terminate an enrolment for non-payment under the “Late Payment and Non-Payment” section of our payment policy, the termination itself does not change the expiry date that applies to that subject's credits under this clause, and we stop sending the expiry reminders above for that subject; when that termination takes effect we may set the value of unused credits against the outstanding amount, up to that amount, and anything left over is dealt with under clause 6 below.

Either centre. Credits are not tied to a centre. A credit may be used at either our Bishan or our Woodlands centre, for the same student, the same subject, the same class type and the level it then applies to, where the corresponding lesson is available there.

Parents may enquire about their credit balance by contacting us at tuition@ancourage.net or drop us a text at +65 8849 8106.

3. Withdrawal Procedure

To withdraw your child from a subject, send us written notice saying that you are withdrawing, naming the student, and from which subject (a message that does not say so is not notice under this clause) — an email to tuition@ancourage.net, or a WhatsApp or SMS to the Centre number +65 8849 8106. A message to your child's tutor, or on any other channel, is not notice until it reaches one of those. Your notice runs from the day it reaches us, and the enrolment ends 2 weeks after that day or on a later date your notice names.

At least 2 weeks' notice. Where you withdraw your child from a subject, the enrolment deposit for that subject is returned to you within 14 days of the last lesson — or, where your child has not attended a lesson in that subject, within 14 days of your notice — provided you gave at least 2 weeks' written notice. Where an amount is outstanding, we may apply this deposit towards what is outstanding for that subject first, then for any other, but only up to the outstanding amount; what we apply discharges that much of what you owe, and the remainder is returned to you. You may take it as a cash refund or as lesson credit, whichever you prefer.

Less than 2 weeks' notice. If you give less than 2 weeks' written notice, we keep the enrolment deposit as the earnest described in clause 1 above; where an amount is outstanding for that subject, we apply it towards that amount first, up to the outstanding amount, and what we apply discharges that much of what you owe; we keep anything left over.

Termination for non-payment. Where we have already given you written notice terminating the enrolment for non-payment, that notice governs instead, and the order set out in If We Suspend or End Your Enrolment below applies.

Other subjects. Withdrawing from one subject does not affect the enrolment deposit held for any other subject your child continues to attend.

Blocks of 4. A 24-lesson package is a commitment to all 24 lessons. Paying it in blocks of 4 spreads the cost of that commitment and does not create a right to end it early, so where you choose to stop before the package is complete the instalment deposit is forfeited in full, as set out in clause 1 above. Letting the package's validity run out, or the enrolment end under the 365-day rule below in this clause, with lessons untaken counts as stopping early for this purpose. The instalment deposit is forfeited in full in the same way where we end the enrolment because of misconduct, materially inaccurate information, or another material breach of these Terms, and where we end it for non-payment, under clause 6 below.

The exceptions. It is not forfeited in the cases clause 1 excepts: where your child stops because of a material change we make under clause 5 below, on the terms and within the time that clause sets out, or because we end the enrolment for our own reasons under clause 6 below, or where you tell us in writing that you are stopping within 14 days of the date 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. Clause 5 sets out what happens to it in those cases.

Package completed. Where such a package is completed in full, the instalment deposit is applied to the final 4 lessons as described in our payment policy and no notice is required.

Forfeited deposits. A forfeited instalment deposit is not converted into lesson credits and is not returned in cash; lessons you have paid for outside it remain available as credits under section 2 above.

The 365-day rule. Where your child has not attended a lesson in a subject, and no further package for that subject has been purchased, for 365 days following the last lesson — or, where no lesson in that subject has ever been attended, for 365 days following the first payment for that subject — enrolment in that subject is treated as ended without further notice from either of us. 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. No request or written notice is required from you.

The enrolment deposit. Where an enrolment ends this way, any enrolment deposit we hold for that subject is not returned: it stays with us as the earnest described in clause 1 above, in the same way as a withdrawal on less than 2 weeks' notice. Where an amount is outstanding for that subject, we apply the deposit towards that amount first, up to the outstanding amount, and what we apply discharges that much of what you owe; we keep anything left over. We will tell you in writing within 14 days that the enrolment has ended and what we have done with the deposit.

Arrears on another subject. An amount outstanding for a different subject is not dealt with here; it is dealt with only under the set-off in If We Suspend or End Your Enrolment below, and only where that clause applies. This operates separately for each subject, and does not affect the non-refundability of lesson fees under clause 1 or the validity periods in clause 2.

Moving to the block route. Where your child already has an enrolment deposit for a subject and you then move that subject to a 24-lesson package paid in blocks of 4, we do not hold both deposits. We tell you in writing that we will set the enrolment deposit off against the instalment deposit due on that package, and we do so unless you ask us, within 7 calendar days from that notice, to return it to you instead; a deposit you ask for back is returned within 14 days as lesson credit for that subject, and the instalment deposit is then payable in full. We do not apply the deposit before then unless you ask us to.

4. Exceptional Circumstances

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.

5. Centre-initiated Changes

5.1 Operational changes. We may from time to time change scheduled classes, teaching staff, programme content, the composition of classes, whether a class runs in person or online, and the day or time at which a class runs. Classes are timetabled around tutor availability, class sizes and centre capacity, and all three move during a year; we will tell you in advance where we reasonably can. We may give notice of a change to the day, time or level of your child's class in writing or in person to you, and the 14 days in this clause run from the day we tell you; telling your child, or announcing a change in class, is not notice to you for this purpose. We normally give that notice in writing, dated the day we send it; where a written notice reaches you later than that date, those 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. 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 may also suspend classes in a subject where a reason on our side prevents us from running them — a staffing problem, works at the premises or a safety concern — for as long as we reasonably need to; we will tell you as soon as we reasonably can, and the credit-validity extension in section 2 above applies. A class as changed, or an alternative class we offer under these Terms, is one your child can reasonably attend where it 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. 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. A clash with any other commitment, travel time, the convenience of the adult bringing your child, and a preference for the original day or time do not make a class one your child cannot reasonably attend. A change of the teacher assigned to a class, including cover for a tutor's absence; a change to programme content that keeps the same subject and level; and a merge or split of classes that keeps your child's subject, level and class type the same, are operational changes in every case. A group class remains a group class, at the group-class fee, whatever number of students attend it on a given day. A change to 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 under this clause — whether the change is temporary or permanent, and however long it lasts. Where we change the day or time, your child keeps their place in the class as changed, and where we reasonably can we will also offer an alternative class in the same subject and at the same level, at either of our centres or online; sub-clause 5.2 sets out the one case in which not offering one gives a right to withdraw. Operational changes do not give a right to withdraw under this clause: the Withdrawal Procedure above and the credit rules in section 2 above apply in the ordinary way, and stopping because you would rather not take a class as changed, or an alternative, that your child could reasonably attend is a withdrawal by choice, except that where your written notice reaches us within 14 days of the date 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, any instalment deposit is not forfeited and the part of it that has not already paid for a lesson we provided is applied to lesson credits for the same student. Where an operational change nonetheless means your child cannot continue, please talk to us — Exceptional Circumstances above sets out how we consider requests of that kind.

5.2 Material changes. A material change means (a) a change we make to the level at which your child is taught, where we do not offer a class at your child's current level, at either of our centres or online, that your child can reasonably attend; or (b) a change we make to the day or time of your child's class where neither the class as changed nor any alternative class we offer in the same subject and at the same level, at either of our centres or online, is one your child can reasonably attend — a change of day or time, however long it lasts and whether temporary or permanent, is an operational change under 5.1 in every other case. None of the following is a material change: a move to the next level when your child's school level changes; a change of level, day or time that you asked for, or agreed to in writing before it took effect; a change to the name or label of a level where what is taught stays the same; a merge or split into a class taught at more than one level, where your child's level continues to be taught in it at the same class type; and a change of day or time that is to last for 4 of your child's scheduled lessons or fewer, which is an operational change under 5.1 whether or not your child can attend it — where we extend such a change, or make it permanent, those 4 lessons are counted from the first lesson the original change affected and not afresh — a lesson your child cannot reasonably attend during that period is treated as a lesson we cancelled under Cancellations and Replacement Lessons below, so it never counts as used, provided that you tell us of the clash, with the school's timetable or letter, before that lesson or, where our notice of the change reached you on or after the day of that lesson, within 7 days of it. Where we make a material change you may withdraw your child from that subject. To do so, tell us in writing within 14 days of the date of our notice of the change, using the contact details in the Withdrawal Procedure above, that you are withdrawing on that basis and, where you rely on your child's school hours, what they are and, where we ask, the school's timetable or letter showing them; after those 14 days the right under this sub-clause lapses. Our notice will normally say when the change takes effect and when this right lapses; the 14 days run whether or not it does. We then have 7 days from the day your notice reaches us — or, where we have asked for the school's timetable or letter, from the day it reaches us — to offer a class your child can reasonably attend, at either of our centres or online, in the same subject and at the same level or, for a change of level, at your child's current level. Where we do, the change is an operational change under 5.1 and your notice does not take effect; where we do not, the enrolment for that subject ends on the date the change takes effect or, if later, on the last of those 7 days, and lessons before that date are delivered, and count as used or not used, in the ordinary way under Cancellations and Replacement Lessons below, except that a lesson in those 7 days that your child cannot reasonably attend is treated as a lesson we cancelled, so it never counts as used. Those 14 days limit this particular right and nothing else: we do not treat your silence, or your child continuing to attend, as your agreement to a change, and every other right you have under these Terms and under Singapore law is unaffected — including your ordinary right to end an enrolment on 2 weeks' notice with the enrolment deposit returned. Where the enrolment ends under this sub-clause, the 2 weeks' notice requirement does not apply: your enrolment deposit for that subject is returned within 14 days of the date the enrolment ends, after any set-off under the Withdrawal Procedure above, as cash or lesson credit, whichever you prefer, and any unused lessons remain available as credits under section 2 above; lesson fees are not returned in cash under this sub-clause. On a 24-lesson package paid in blocks no enrolment deposit is held, and on that route the instalment deposit is not forfeited: any part of it that has not already paid for a lesson we provided is applied to unused lesson credits for the same student. As a limited exception to section 2, where our change means the subject your child was studying is no longer available to them, you may apply the value of those credits to lessons in another subject for the same student, at our published rate for that subject, level and class type when the new booking is agreed, topping up any difference; we do not return them in cash. Declining a class as changed, or an alternative in the same subject and at the same level — or, for a change of level, a class at your child's current level — that your child could reasonably attend, including one we offer within the 7 days above, is a withdrawal by choice under 5.1, not a withdrawal on the basis of a material change.

5.3 Where we stop running a subject at the centre you booked. The centre named when you book is part of what you booked. Where you booked lessons as online lessons, references in this sub-clause to the centre you booked are to online delivery. Where we need to stop running a subject at that centre, we will offer you a place at our other centre or the same lessons online, and it is yours to accept or to decline — we will not move your child to our other centre without your agreement in writing. Where it is reasonably practicable we will give you at least 2 weeks' notice before we stop; where urgent circumstances make that impossible we will tell you as soon as we reasonably can, and the shorter notice does not affect any of the rights set out in the rest of this sub-clause. Lessons we run at that centre before the date we stop are delivered, and count as used or not used, in the ordinary way under Cancellations and Replacement Lessons below. Where we cannot offer an alternative, where you decline every alternative we offer, or where we have not received your written acceptance of an alternative by the date we stop, the enrolment for that subject ends on the date we stop running the subject at that centre. The 2 weeks' notice in the Withdrawal Procedure above is not required, and within 14 days of that date we return your enrolment deposit, the amount actually paid for lessons not delivered by that date — a lesson that counts as used under Cancellations and Replacement Lessons below has been delivered for this purpose — and any part of an instalment deposit not already applied to a lesson we provided. Where an amount is already due from you, for that subject or any other, we first set it off against that sum, up to the outstanding amount, and tell you in writing what we applied; a block that had not fallen due when we stopped is not an amount due. You may take that sum in cash, or as lesson credit of the same value carrying the same subject, level and class type as the lessons it replaces; we return it in cash unless you choose credit in writing, and a credit taken at your choice under this sub-clause cannot later be converted to cash.

5.4 What this clause does not do. Sub-clause 5.3 is the only part of this clause under which lesson fees are returned in cash, and it applies only where we stop offering the subject at the centre you booked. Delivering your child's class online is not, by itself, stopping a subject at that centre for the purposes of 5.3, and the written-agreement rule in 5.3 applies only where we stop running the subject at that centre. It does not apply where you accept an alternative, or where you choose to stop for any other reason: there, the Withdrawal Procedure above and the credit rules in section 2 above apply instead, and lesson fees do not come back as cash. Nothing in this clause takes away a right you have under Singapore law that cannot be excluded. The rule in Force Majeure below that we will not move your child's lessons online without your agreement in writing applies where a Force Majeure event means we can only deliver the affected lessons online; an online class we offer under this clause is an alternative class, which you may accept or decline.

6. If We Suspend or End Your Enrolment

Where these Terms allow us to suspend classes or to terminate enrolment, this clause sets out what happens to money you have already paid.

In these Terms, misconduct includes conduct listed under Prohibited Conduct in Student Conduct and Discipline below, and abuse, threats or harassment of our people or our students by any adult; materially inaccurate information includes information under clause 4 of the Enrolment Agreement that is wrong in a way that affects safety, placement, fees or who may act for the student; and a material breach includes a breach of the Intellectual Property Rights clause or the Non-Solicitation of Tutors clause, and a repeated breach after a written warning. These are examples and do not limit the ordinary meaning of those words.

When we may end an enrolment for our own reasons. Apart from the grounds stated elsewhere in these Terms — non-payment, misconduct, materially inaccurate information, or another material breach — we may end an enrolment for our own reasons on 2 weeks' written notice. Lessons already scheduled inside that notice period go ahead as normal, and a lesson we cancel never counts as one lesson used. We will not use this power to reach a result another clause of these Terms does not allow us.

• Suspension does not forfeit anything: lessons you have paid for stay yours. Where we suspend classes for a reason on our side — a closure, a staffing problem, or anything else not caused by you or your child — the validity period of that subject's unused credits is extended by the length of the suspension, so a stoppage on our side never shortens the time you have to use them. Where classes are suspended because an amount for that subject is overdue, or because of a student's conduct, the credits stay yours and are not forfeited, but the validity period is not extended, because the cause of the suspension is not on our side.
• Lesson fees already paid are not refunded in cash, as set out in clause 1 above.
• Unused lesson credits remain available for the rest of their validity period under clause 2 above. In this clause, a class your child can reasonably attend has the meaning given in clause 5 above. Non-payment. They may be applied on two grounds only: where an amount is due from you when we end an enrolment for our own reasons, as set out below, and where we terminate an enrolment for non-payment under the “Late Payment and Non-Payment” section of our payment policy, we may set their value against the outstanding amount, up to that amount. Anything left over is returned to you within 14 days as lesson credit 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 period runs to the later of its ordinary expiry and six months after the day the outstanding amount is settled, and they are not returned in cash on this ground. Where we end for our own reasons. Where we end your enrolment for our own reasons and an amount is already due from you, for that subject or any other, we first set it off against the value of those credits and any enrolment deposit we hold for that subject, together, up to the outstanding amount, and tell you in writing what we applied; a block that had not fallen due is not an amount due, and what follows applies to what remains. Where we end your enrolment for our own reasons, the restriction in clause 2 above tying credits to one subject does not apply to them: you may use them for another subject we run, at our other centre, or online. Where no alternative we offer is one your child can reasonably attend, we return their value within 14 days.
• The enrolment deposit depends on why the enrolment ended.
  • Where we end enrolment for non-payment, we may apply it towards the outstanding amount, up to that amount, in this order: first any unused credits for that subject under the bullet above, then the enrolment deposit we hold for that subject, then unused credits and enrolment deposits held for your other subjects. What we apply discharges that much of what you owe. We will tell you in writing, when we apply these amounts or promptly afterwards, what we have applied and what remains. Anything left over is returned to you within 14 days: any remaining enrolment deposit as lesson credit on the same basis as the lesson credits in the bullet above, and any remaining lesson credits on that basis. Where we apply a deposit held for a subject your child continues to attend, we will ask you to top that deposit back up, as set out in clause 1 above. No instalment deposit forms part of this; it is dealt with in the bullet below.
  • Where we end enrolment because of misconduct, because information we were given was materially inaccurate, or for another material breach of these Terms, the deposit is retained as the earnest described in clause 1 above. We treat that as a withdrawal given without notice, on the same basis as clause 3 above.
  • Where we end enrolment for our own reasons, it is returned in full within 14 days, after any set-off above.
  • Where you withdraw your consent to personal data we need in order to teach or safeguard your child, to communicate with you about the lessons, or to take payment, that is a right you have under the Personal Data Protection Act and we will never treat exercising it as a breach of these Terms. Optional purposes. Withdrawing consent to an optional purpose — such as the media consent below — does not affect the enrolment at all. Data we need. Where the data is one we genuinely need and no other lawful basis lets us continue, we may end the affected enrolment when your withdrawal takes effect, which under that Act is after reasonable notice and ordinarily 10 business days after we receive it. We will tell you what the consequences are likely to be before we act on it. The enrolment then ends as a withdrawal by you under clause 3 above, and the notice you gave runs from the day we received it to the day the enrolment ends — so on the ordinary timetable that is notice enough for the enrolment deposit to come back. Where we end the enrolment before your withdrawal takes effect, the enrolment deposit for that subject is returned as if you had given 2 weeks' written notice, after any set-off under the Withdrawal Procedure above. The instalment deposit. Because the enrolment ends as a withdrawal by you, any instalment deposit on a 24-lesson package paid in blocks is dealt with as where you choose to stop before the package is complete: it is forfeited, as clause 1 above sets out, and is not converted into lesson credits or returned in cash. No charge is imposed for exercising the right itself.
• Any instalment deposit on a 24-lesson package paid in blocks is forfeited in full where we end enrolment because of misconduct, materially inaccurate information, or another material breach of these Terms, and where we end enrolment for non-payment, on the same grounds as the bullet above and as set out in clause 1 above. Where we end enrolment for our own reasons instead, it is not forfeited: any part of it that has not already paid for a lesson we provided is applied to unused lesson credits, on the basis set out in clause 5 above; credits arising from an instalment deposit under this bullet stay credits for their validity period. It is not returned in cash in either case. It is also forfeited where the enrolment ends because you withdrew your consent to personal data we need, as set out in the bullet above.

Nothing in this clause excludes or limits any right or remedy you have under Singapore law that cannot lawfully be excluded or limited.

1. Notice Requirements

We encourage consistent attendance. When we confirm a lesson, one lesson credit is allocated to that booking and we reserve a tutor and a place for your child. If your child is unable to attend, please tell us at least 24 hours in advance, with a valid reason, so that we can release the booking and return the credit to your package balance. If your child arrives late or leaves early for a reason on your side, the lesson still counts as one lesson used and does not run beyond its scheduled end; section 4 below is unaffected.

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 (for illness, see Medical Information Disclosure below). 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. Where we ask for a medical certificate after an illness-related absence, it must reach us within 7 days of the lesson, on the same basis as section 4 below: if it does not, the lesson counts as one lesson used and the credit is not returned. Where we ask, we will do so within 7 days of the lesson; where we ask after the 4th day after the lesson, the document may instead reach us within 3 days of our request.

• At least 24 hours, with a valid reason: we release the booking and return the lesson credit to your package balance, and replacement lessons may be arranged (subject to availability).
• At least 24 hours, 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 for your child. The lesson counts as one lesson used, whether or not your child attends, and the credit is not returned — except where section 4 below applies.

2. Replacement Lessons

Replacement lessons are offered as a courtesy based on schedule and 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. 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, as set out under Refunds and Withdrawals above. Once we confirm a replacement lesson, it is a booking like any other, and sections 1 and 4 apply to it.

3. Public Holidays and Centre Closures

Ancourage Academy remains open during public holidays unless otherwise announced. We may cancel or reschedule a lesson that falls on a gazetted Singapore holiday, and we will tell affected families as early as we can. Where we cancel a lesson for any reason — a public holiday, or a closure of our premises for maintenance, an emergency or anything else — 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, held as an unused lesson credit under Refunds and Withdrawals above. Where a closure is caused by a Force Majeure event, the Force Majeure section below governs instead.

4. Same-Day Exceptions

Some things cannot be foreseen a day ahead. 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). This applies to group and 1-to-1 lessons alike.

• 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 child who falls ill on a Sunday evening and is seen by a doctor on Monday morning is covered.
• A death in your child's immediate family — meaning a parent, legal guardian, sibling or grandparent, or a person who has stood in one of those roles. Tell us who the person was and their relationship to your child. This covers the scheduled lessons your child misses in the 14 days following, up to 4 lessons in total across all subjects.

The no-document bereavement route may be used once in any rolling 12-month period, across both this section and section 5 below, and a single death is one use. 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 — redact anything beyond that.

Telling us. For a death in the immediate family, tell us as soon as you reasonably can, and ordinarily within 7 days of the death. We ask for no document. Notice within those 7 days is a condition of the credit coming back, unless the circumstances of the bereavement made telling us in time not reasonably practicable — in that case tell us as soon as you reasonably can afterwards, and we will not hold the delay against you. Telling us later does not revive a credit that has already expired.

For a certified illness, the document must reach us within 7 days of the lesson. Where we asked for it after the 4th day, section 1 above allows it to reach us within 3 days of our request instead. That is a condition of the credit coming back, not a courtesy: if we do not have it by the applicable deadline, the lesson counts as one lesson used under section 1 above and the credit is not returned. For a death in the family we ask for no document at all — tell us within 7 days of the death, as set out above, and we will handle it. 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.

Black out anything we do not need. Only three things from the document need to stay legible: your child's name, the dates it covers, and enough of the clinic's or hospital's letterhead or stamp to show it is genuine. Everything else you are free to redact before sending — 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.

Where same-day exceptions become frequent, we may ask to talk with you about whether a different class time would suit your child better. That conversation does not affect any credit already returned.

This section applies to lessons drawn from a 4-, 12- or 24-lesson package. Trial classes are not covered. Camps, parties, workshops and other sessions sold for a named date are governed by section 5 below.

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 — falls under section 1 above, and the lesson is treated as 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 first reason above.

5. Trials, Camps, Workshops and Other Sessions Sold for a Date

A holiday camp day, a birthday party, a workshop and any other session that the booking confirmation identifies as governed by this section are each a single session on a specified date. Trial classes are governed only by the Trial classes paragraph at the end of this section, and not by the rest of it, and a lesson drawn from a 4-, 12- or 24-lesson package is not governed by this section. Sections 1 to 4 above do not apply to a session covered here: when you book, we hold that place for you and commit staffing, materials and any included meal by reference to that booking. We may make reasonable changes to a session — its staffing, the activities or materials, and the room or part of our premises it runs in — without that being a cancellation, provided the session remains substantially what was booked. The booking confirmation states the period within which any replacement date must fall (the booking window); where it does not say, the booking window is the advertised programme the session belongs to — for a holiday camp, the same school-holiday programme — and where the session belongs to no dated programme, it is the six (6) months following the booked date.

Changing your booking. Tell us at least 7 days before the date and we will move your booking once to any other available date in the same booking window, free of charge; a further move is at our discretion. A move under this section keeps the price you paid, except that where the replacement date carries a higher advertised rate the difference is payable before the session; a move to a date with a lower rate does not reduce the price. If you give less than 7 days' notice, and neither exception below applies, the booking cannot be transferred and no refund or credit is due.

Balances and organisation bookings. Where we take part of the price at booking, or agree with an organisation to invoice the balance after the session, the contract is formed when we confirm the booking in writing and the whole price for the date you booked is payable: on less than 7 days' notice the unpaid balance stays due within 7 days of the booked date, less any cost we reasonably avoid by not running the session. The person booking for an organisation confirms they may do so, and these Terms apply to the booking unless we agree other terms in writing.

Illness and bereavement. Where the participant is certified unfit to attend, or there is a death in the participant's immediate family as defined in section 4 above, tell us as soon as you reasonably can and we will transfer that booking once to another available date in the same booking window, whatever notice you were able to give. For illness, a medical document of the kind described in section 4 above must cover the booked date and must reach us no later than 7 calendar days after that date; otherwise this exception does not apply and the paragraphs headed Changing your booking and Balances and organisation bookings above govern. For a death in the family we ask for no document, on the same basis as section 4 above. The death must have occurred no more than 14 days before the booked date, and you must tell us within 7 days of it, or as soon as reasonably practicable where that was not. The no-document route here and in section 4 above is one allowance: it may be used once in any rolling 12-month period across both; where a further bereavement falls within that period the same treatment applies, but we may ask for reasonable evidence limited to the fact and date of the death and the relationship to the participant. If the participant again meets this paragraph for the replacement date, we will not transfer a second time; we issue a Section 5 credit instead, and the paragraph below about there being no available date does not apply to that second absence. In this paragraph, participant means the person whose individual place was booked; for a birthday party it means the child whose birthday is being celebrated, and for a corporate or other group booking it means the person named as the key participant in the booking confirmation, not any other attendee.

If we have to cancel a session. We may cancel a holiday camp day for low enrolment where fewer than 3 children are booked. Where we cancel for that reason we will tell you at least 7 days before the date. Where bookings fall below 3 after that point because a booking is moved or withdrawn, we may still cancel, and the choice set out below applies. We may cancel any session covered by this section where staff illness we cannot reasonably cover, a safety or premises issue, or another circumstance beyond our reasonable control prevents us, despite reasonable efforts, from running it safely and lawfully. We will tell you as soon as we reasonably can, and offer you another available date in the same booking window. In this section, whether a date is one the participant can reasonably attend is for us to decide, acting reasonably on what you tell us. Where none of the dates we offer is one the participant can reasonably attend, you may have a full refund of the amount paid for that session, which we will make within 14 days of your telling us you would prefer it; you may take a Section 5 credit instead, but we will never require you to.

If we cannot offer any alternative date. Where, following a request under Changing your booking or Illness and bereavement above, there is no available date in the booking window, you may take a Section 5 credit for the amount paid. A change you asked for does not convert a booking made for a named date into a cash refund. Where we cancelled the session, the paragraph above governs instead and you keep the choice of a full refund. A date we offer because we cancelled a session does not count as the participant's one illness-or-bereavement transfer above.

Section 5 credits. A Section 5 credit is not a lesson credit. It equals the amount paid for the affected session, expires six (6) months after the date we issue it, and may be used by the same customer against another camp, workshop, party or other session sold for a named date. It may be used across more than one booking, and any unused balance stays available until that same expiry date. We issue it within 14 days of the event that gave rise to it. A refund and a credit are alternatives: where this section gives you the choice and you take a credit, it cannot afterwards be converted to cash. It is not otherwise exchangeable for cash, and it cannot be applied to a 4-, 12- or 24-lesson package.

Trial classes. A trial class is a single class on a specified date and generates no lesson credit, so sections 1 to 4 above do not reach it. Tell us at least 24 hours before the trial and we will move it once to any other available trial slot within the following three (3) months, and the trial fee you have already paid carries over to it; a further move is at our discretion. If you tell us less than 24 hours before, or your child does not attend, the trial fee is not returned, though we may still move the trial as a courtesy. If we cancel a trial, you may take another available slot or a full refund of the trial fee, which we will make within 14 days. We may relax any of this in your favour — but we will never apply a stricter rule to you than the one written here.

Guests, your own food and drink, and your own venue. Where we advertise a session as one you may bring your own food and drink to, you may. Alcohol is for adult sessions only: we do not serve or supply it, it must not be given to anyone under 18, and we may ask you to stop and may end the session where drinking makes it unsafe or unlawful for us to carry on. Where we end a session on that ground it counts as taken, and no refund or credit is due. You are responsible for the people you bring to a session you have booked — for what they bring and for what they do — as if they were you. That responsibility is subject to the same carve-back, notice and control provisions, and the same cap, as the Parental Indemnification clause below. Where you ask us to run a session at a venue you choose, we bring our people and our materials and we stay responsible for how we run the session; the venue itself, and anything about it we could not reasonably have controlled, is yours. The Third-Party Activities and Vendors section below covers venues, facilitators and vendors we arrange, not a venue you choose.

For clarity, this section governs any cancellation of a session covered by it, including one caused by circumstances beyond our reasonable control. Any provision elsewhere in these Terms about temporary closure, or about adding missed lessons to a package balance, applies to package lessons only and does not apply to a session covered by this section.

As the parent/guardian of an enrolled student — or, where you are an adult learner enrolling yourself, as that student — you agree to the responsibilities set out below, except where a section states that it is guidance rather than an obligation. Where an organisation has booked a programme for its people, the organisation is responsible for passing on the information we ask for about each participant, and each adult participant is responsible for their own medical disclosure and emergency contact details.

1. Attendance and Punctuality

This section is guidance, not an obligation you take on: your child is not in breach of these Terms for missing a lesson. Whether a lesson credit is returned is governed solely by Cancellations and Replacement Lessons above.

• We encourage your child to attend all scheduled lessons on time.
• Please tell us at least 24 hours in advance, with a valid reason, if your child has to miss a lesson — that is what allows us to release the booking and return the lesson credit; section 1 of Cancellations and Replacement Lessons above sets out what counts as a valid reason.

2. Medical Information Disclosure

• Tell us about all relevant medical conditions, allergies, medications and special needs before lessons begin — and, where you book a camp day, party, workshop or other session sold for a date, before that session. This duty applies to every participant whose place you book, whether or not they hold a lesson package with us; it matters most where a session includes a meal.
• If your child is unwell — with a fever, vomiting, diarrhoea or a condition that could spread to others — please keep them at home. We may decline to admit a child who arrives unwell, or ask you to collect them; the lesson then follows Cancellations and Replacement Lessons above (a medical certificate that meets the conditions in section 4 of that clause, and reaches us within 7 days, brings the credit back), and for a camp day or other dated session the illness rule in section 5 applies.
• Tell us straight away if any of that changes.
• Send us a medical certificate within 7 days of the lesson if we ask for one after an illness-related absence — if it does not reach us in time, the lesson counts as used and the credit is not returned. Section 1 of Cancellations and Replacement Lessons above sets out when we may ask. You may redact it first — see the redaction paragraph under Cancellations and Replacement Lessons section 4, which applies to any certificate you send us.
• Where we have not been told about a relevant condition, we may not be able to respond to it, and we are not responsible for what we could not have known — subject to the Legal Carve-Outs under “Liability and Indemnification” below.

3. Emergency Medical Authorisation

Where the participant is a child, in a medical emergency you authorise us to:

• Provide basic first aid in case of minor injuries.
• Contact emergency medical services (e.g. ambulance) if necessary.
• Take reasonable steps to obtain urgent medical care if we cannot promptly reach you or the emergency contact you gave us.

That authorisation lets us arrange care. It does not appoint us to choose clinical treatment: those decisions stay with you, with the treating clinician, or with whoever else is entitled to make them under applicable law.

Where the participant is an adult — an adult learner enrolling themselves, or someone attending on a booking their organisation made — we may provide basic first aid with their agreement, call emergency medical services, contact the emergency contact they have given us, and take reasonable steps to keep them safe. Where they have capacity, decisions about treatment are theirs. Where they do not, anyone providing care or treatment may act only in accordance with applicable law, including the Mental Capacity Act 2008 where it applies. Nothing here appoints us to make healthcare decisions for a participant.

Responsibility for medical expenses, ambulance fees and hospital charges arising from a medical emergency or an injury occurring during or related to classes is determined first by applicable law. Where we reasonably pay such a cost on a participant's behalf and the law does not require us to bear it, the person who contracted with us — the parent or guardian who enrolled a child, or an adult learner who enrolled themselves — reimburses us. That does not apply to the extent the cost results from our negligence or our breach of these Terms. Where an organisation booked the programme, the organisation reimburses us, unless we have agreed otherwise with it in writing. Nothing in this clause limits an employee's rights, or an employer's obligations, under the Work Injury Compensation Act 2019 or any other law. See the Legal Carve-Outs under “Liability and Indemnification” below.

4. Drop-Off and Pick-Up

• Ensure safe and timely drop-off and pick-up of your child.
• If nobody has arrived 15 minutes after a session ends, your child stays with a member of our staff and we call you, then the emergency contact you gave us. We will never leave your child unattended. Collection is due when the session ends, and those first 15 minutes are free. After that we may charge SGD$10 for each completed 15 minutes of additional supervision, and the same rate pro-rated for any remaining part, up to SGD$60 on any one occasion. That charge is our estimate of the additional staffing and premises cost the delay causes us, and it is the only charge we make for that occasion. We tell you when we start charging it where we reasonably can; the charge applies whether or not that message reaches you. It does not apply where the delay was caused by us, or by an emergency outside your reasonable control that you tell us about as soon as you reasonably can and, where we ask, show us reasonable evidence of. Where collection is repeatedly late we may ask to move your child to a different class time.
• We are not responsible for supervision before your child is dropped off or after your child has been collected. Please do not drop your child off more than 10 minutes before a session starts; where a child arrives earlier than that, we may ask you to stay with them until the session begins.

5. Communication

This section is guidance, not an obligation you take on. Keeping the contact details we hold accurate and current is a separate obligation, under Accurate Information above.

• Check messages from us regularly (WhatsApp, email, SMS).
• Where we ask you to confirm a detail we already hold and we do not hear from you, we may continue to rely on the detail we hold.
• Communicate any concerns or questions promptly.

6. Student Conduct Support

You are responsible to us for your child keeping to the Student Conduct and Intellectual Property rules; a breach by your child is treated as a breach by you. We ask you, and any adult who brings or accompanies your child, to treat our people and our students with courtesy. Abuse, threats or harassment — in person or by message — is a material breach of these Terms, and we may require the person to leave our premises, and may refuse them entry afterwards; where an adult behaves in that way we may also require that a different adult brings and collects your child.

The rest of this section is guidance:

• Reinforce our rules and expectations with your child.
• Work with our staff on behavioural matters.
• Take corrective action if your child's behaviour disrupts learning and class experience.

Bullying and abuse are not permitted at our centres. We take reasonable steps to prevent them and to respond to reports. “Prohibited Conduct” below sets out the conduct that is not permitted, and “Disciplinary Procedures” what we may do about it. Serious concerns may be escalated to relevant authorities.

1. Expected Conduct

Enrolled students are expected to:

• Treat our tutors, staff, and fellow students with respect and courtesy.
• Follow our tutors' and staff's instructions and classroom rules.
• Complete assigned work and practice exercises.
• Take good care of our property, materials and equipment.
• Maintain a focused and positive learning environment for all.
• Refrain from using personal electronic devices during lessons unless permitted by our tutors.
• Practise academic honesty and integrity.

2. Prohibited Conduct

The following conduct is not permitted:

• Bullying, harassment, discrimination, or intimidation of any kind.
• Violence, threats, or aggressive behaviour.
• Vandalism, theft, or damage to our property.
• Cheating, plagiarism, or academic dishonesty.
• Disruptive behaviour that interferes with learning and class experience.
• Recording of lessons (audio or video) without prior written consent or explicit permission.
• Bringing weapons, illegal substances or other prohibited items into our premises.

3. Disciplinary Procedures

Depending on what has happened, we may take one or more of the following steps, among others:

• Verbal warning and discussion with enrolled student.
• A written warning to you.
• Suspension from classes.
• Immediate termination from enrolment.

Where the conduct is serious — violence, illegal activity, or severe disruption — we may suspend or end the enrolment immediately.

Suspension is not itself a forfeiture: lessons you have paid for stay yours. It does not stop the validity period running where classes are suspended because an amount is overdue or because of a student's conduct, so credits can still expire during a suspension — see Unused Lesson Credits, section 2 above. What happens to money already paid, on either a suspension or a termination, is set out in If We Suspend or End Your Enrolment under Refunds and Withdrawals above.

4. Decisions and Escalation

After looking into what happened, we decide what follows, and that decision is the end of our internal process — there is no further internal appeal. Nothing in this section prevents us acting immediately under section 3 above. You can still raise the matter under “Dispute Resolution” below, or rely on any right you have under Singapore law.

1. Limitation of Liability

Except for the Legal Carve-Outs below, and so far as Singapore law allows, we are not responsible for:

• Personal Belongings: Loss, theft, or damage to student personal property, including electronic devices, stationery, clothing, or valuables. Students bring personal items at their own risk.
• Injuries Outside Premises: Injuries or incidents occurring before students enter our premises or after they leave our supervision.
• Third-Party Services: Services provided by external facilitators, guest instructors, or vendors.

Academic Outcomes: We do not guarantee any particular examination result, grade, rate of academic progress or admission outcome; these depend on factors outside our control, including the student's own effort, attendance and prior knowledge. This does not limit our responsibility to provide the lessons we agreed to provide.

Legal Carve-Outs: Nothing in these Terms excludes or limits liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded or limited under Singapore law

Subject to the Legal Carve-Outs above, our total liability for all claims arising from our service, taken together, is capped at the fees you paid us for the lesson package, trial class, camp or workshop the claim relates to — the highest of them where claims relate to different ones — or, where the claim does not relate to one of those, the fees you paid us for that student in the 3 months before the claim. We are not liable for indirect or consequential loss.

2. Parental Indemnification

By enrolling your child, you agree to cover Ancourage Academy and its directors, employees, teachers and agents for any loss one of the situations below causes them — in legal terms, to indemnify them against any claims, damages, losses, liabilities and expenses, including legal fees, arising from:

• Your child's material breach of these Terms, including the Student Conduct rules and the Intellectual Property Rights clause.
• Your child's misconduct, negligence, or violation of any law.
• Damage to our property or equipment caused by your child.
• Injury to third parties caused by your child's deliberate or reckless actions.
• False or misleading information provided during enrolment.
• Relevant medical information you did not tell us about.

What this does not cover. This does not apply to the extent that the loss was caused or contributed to by our negligence, our breach of these Terms, or the act or omission of anyone we are responsible for.

How we handle a claim. We will tell you of any claim we intend to rely on this clause for as soon as we reasonably can (a delay in telling you affects what you owe under this clause only to the extent the delay actually prejudiced you), will consult you before settling it, will not treat a settlement as fixing what you owe under this clause unless it was reasonable; nothing here requires you to conduct our defence.

Your cap. You are not liable under this clause for indirect or consequential loss, and your total liability under it is capped at the same amount as the cap on our own total liability above. That cap does not apply where your child, or a person you brought, deliberately or recklessly damages our property, equipment or materials, or deliberately injures another person: you pay the reasonable cost of repair or replacement, or the reasonable amount we are held liable for after allowing for any part of it that is our own fault.

3. Insurance

We encourage you to keep personal accident and medical insurance for your child. We do not provide personal accident or medical insurance for students.

4. Assumption of Risk

Art lessons involve materials and tools — scissors, craft knives, brushes — that carry some risk, and students are supervised with reasonable care. By enrolling in our Art classes, or booking a place at an Art camp, workshop, party or other Art session, you accept those risks on behalf of yourself and anyone whose place you book, and accept that we are not responsible for injuries that happen despite reasonable supervision and care. This does not affect the Legal Carve-Outs above: nothing here excludes our liability for death or personal injury caused by our negligence.

These terms apply if you take part in our referral programme. They do not affect your enrolment, and you are never required to refer anyone.

1. When a reward is earned

A reward is earned once the referred student has attended 4 lessons under a paid lesson package. The referred student must be new to Ancourage Academy: a student who is enrolled with us when the referral is made, or who has attended lessons with us in the 12 months before it, is not a referral. A trial class does not count towards those 4. One student counts as one referral regardless of how many subjects they enrol in. Referrals are tracked over the calendar year and all tiers reset at the end of December.

2. How we pay

We pay within 30 days of that 4th lesson, or within 30 days of your giving us the payment details we need, whichever is later: by PayNow to a Singapore bank account in the referrer's name, by bank transfer in Singapore dollars if the referrer has no Singapore account, or as lesson credits if you prefer. We may set an earned reward against any amount you owe us, up to the amount of the reward, and pay the balance. You do not need to be located in Singapore to take part. Where an overseas bank transfer is used, any bank charges are deducted; lesson credits avoid those charges entirely. At applicable tiers you choose between the cash reward and the alternative prize.

3. Lesson credits taken in place of cash

Cash rewards can be converted to lesson credits on request. Credits taken in place of cash are for a student and subject you name, follow the credit rules in clause 2 of Refunds and Withdrawals above, carry the validity period of the package they are added to (up to twelve (12) months), and cannot be exchanged back for cash.

4. When a reward is not earned, or is recovered

A reward is not earned — and, if already paid, is repayable to us on request and may be set off against your next reward, against any other amount we hold for you, or against any amount you owe us, up to the amount of the reward — where the package payment is reversed, where the referred student's enrolment ends within 30 days of the 4th lesson, where the referral was not genuine, or where information given to us about the referral was materially inaccurate.

5. Who can take part

A child of your own household is not a referral, and our staff and tutors cannot take part. Where more than one person claims the same referral, the referrer is the person the student named before or at enrolment.

6. Changes to the programme

We may modify or discontinue the referral programme at any time. Rewards already earned when we do so will be honoured.

1. Centre Materials

All course materials, worksheets, notes, presentations, teaching methods, curricula, slides, recordings, digital and printed resources developed or provided by Ancourage Academy are owned by us or used under licence, and are protected by copyright.

Materials are provided for the enrolled student's personal study only. You and your child may not:

• Copy, scan, photograph or otherwise reproduce materials.
• Share, distribute, upload, or transmit materials to third parties.
• Use materials for commercial purposes or resale.
• Post materials on websites, social media, or file-sharing platforms.
• Record lessons (audio or video) without prior written consent or explicit permission.

Where our rights in the materials are breached, we may end the enrolment immediately and take legal action. These restrictions continue after your child's enrolment ends, and our rights in the materials are unaffected by it.

2. Media, Recordings and Student Work (PDPA Consent)

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 or the lessons you have paid for. We are mindful of privacy and will avoid publishing full names or personal contact details without explicit permission.

You may withdraw consent at any time by providing a written notice to us via email at tuition@ancourage.net or drop us a text at +65 8849 8106. We stop using the photographs and videos going forward as soon as reasonably practicable, ordinarily within 7 business days of your notice, and remove them from the digital surfaces we control as soon as reasonably practicable, ordinarily within 14 days of it. Where something is scheduled but not yet published and we can still stop it, we do. Anything already printed or already distributed may take a reasonable time longer.

For full details on how we collect, use, and protect personal data, please refer to our Privacy Policy.

3. Student Work

We like to show what our students make — a drawing in a gallery on this website, a piece in a class showcase, a finished canvas on our social media. To the extent that copyright subsists in any artwork, writing, project or other work your child produces in our programmes, you grant us a non-exclusive, royalty-free, revocable licence to reproduce, publish, display and communicate that work to the public for one purpose: showcasing our own programmes and our students' learning, on our websites, our social media (including our own advertising on those platforms), and our printed materials. We may resize, crop or reformat a work only as far as a particular format technically requires. By enrolling a minor, you confirm that you have the legal authority to give this permission on the student's behalf.

It does not transfer ownership, it is not exclusive, and it does not let us sell your child's work, license it to anyone else for their own use, use it to advertise a third party's products or services, or make merchandise for sale. The only onward rights we grant are the hosting and display rights a platform or service provider needs in order to carry a post we have made — putting a picture on Instagram necessarily gives Instagram those rights. This licence continues after your child's enrolment ends, unless and until you withdraw it.

Because we avoid publishing full names, we will normally credit your child by first name or initials. Tell us if you would rather we used your child's full name, a pseudonym, or no name at all, and we will follow that preference; where none is recorded, you agree on your child's behalf that we may publish the work without naming your child.

You may withdraw this licence at any time, using the same email or text as the media consent above. Unless you tell us you mean only one of them, asking us to stop using photos, videos or work featuring your child withdraws both this licence and the media consent above. Withdrawal takes effect going forward: we will stop using the work, and remove it from the digital surfaces we control as soon as reasonably practicable, ordinarily within 14 days. Copies already beyond our reach — materials already distributed, or posts other people have already shared or reposted — may not be recoverable, and we cannot promise to retrieve those. Withdrawing does not affect your child's enrolment or the lessons you have paid for.

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.

Where this clause is breached, we may end the enrolment immediately. What happens to money you have already paid is set out in If We Suspend or End Your Enrolment under Refunds and Withdrawals above.

From time to time we may arrange activities using external venues, facilitators or vendors — an art gallery visit, outdoor sketching, a guest instructor. We set out the details, and the material risks we are aware of, in writing beforehand, and we ask for your consent — by WhatsApp, text or email — before your child takes part. The vendor's own terms may also apply, and we are not liable for what a third-party vendor does or fails to do — subject to the Legal Carve-Outs under “Liability and Indemnification” above.

A Force Majeure event means something beyond our reasonable control, including but not limited to: pandemics, epidemics, outbreak of infectious diseases, government orders, directives, regulations (e.g. MOE closure orders, lockdowns), natural disasters, fires, explosions, haze, building emergencies, utility failure (e.g. power or water outages), civil unrest, riots, war, cyber attack, and failure of the telecommunications, internet or software services we rely on.

In the event of Force Majeure resulting in a temporary closure or class cancellations:

• We will provide replacement lessons or online alternatives where reasonably possible.
• No cash refund of lesson fees will be provided for Force Majeure cancellations. Your enrolment deposit is not affected by a Force Majeure closure: we continue to hold it, and it remains returnable under the Withdrawal Procedure above.
• Missed lessons will be credited to your lesson package balance (following the package's validity).

Where a Force Majeure event prevents delivery of lessons, the validity of the affected credits is extended by a period equivalent to the closure. The extension is automatic and you do not need to ask for it. There is no minimum closure duration — a closure of any length qualifies.

A Force Majeure event suspends our obligation to deliver the affected lessons for as long as the event continues; it does not cancel that obligation. Once the event ends, the affected lessons remain owed to you and your credits stay valid for the extended period set out above.

Where a Force Majeure event continuously prevents us from delivering lessons in a subject for more than 90 days, either of us may end the enrolment for that subject by written notice given while the event continues to prevent those lessons, or within 14 days after the later of the date lessons in that subject can in fact resume and the date you receive our written notice saying so and naming that deadline; after that the right under this paragraph lapses, and those 14 days limit this particular right and nothing else. Within 14 days of a notice ending the enrolment under this paragraph we return the amount actually paid, at the rate for the package you bought, for the lessons not yet delivered (a lesson that counts as used under Cancellations and Replacement Lessons above has been delivered for this purpose) — together with any part of an instalment deposit not already applied to a lesson we provided, and any enrolment deposit we hold for that subject. You may take that sum in cash, or as lesson credit of the same value carrying the same subject, level and class type as the lessons it replaces; we return it in cash unless you choose credit in writing, and a credit taken at your choice under this paragraph cannot later be converted to cash. Where the Force Majeure event itself prevents us paying within 14 days we pay as soon as it reasonably allows. For this paragraph, we are not prevented from delivering lessons in a subject on any day on which we deliver, or are able to deliver, the class you booked — the same subject, level and class type at the centre you booked — or an alternative you have accepted in writing; an alternative we offer that you have not accepted does not count. Where an amount is already due from you, for that subject or any other, we first set it off against that sum, up to the outstanding amount, and tell you in writing what we applied; a block that had not fallen due is not an amount due. Lessons already delivered stay charged at the rate for the package you bought. Before ending anything we will take reasonable steps to reduce the disruption, and we may offer — but will not impose — online delivery.

Where a Force Majeure event means we can only deliver the affected lessons online, we will offer that rather than impose it: it is yours to accept or to decline, and we will not move your child's lessons online without your agreement in writing. If you decline, those lessons are not treated as used — they stay on your package balance as lesson credits, with the automatic extension set out above.

We will let you know about a closure and any alternative arrangements by WhatsApp, email or SMS as soon as we reasonably can.

1. Internal Resolution

In the event of any complaint, concern, or dispute, you agree to first attempt resolution through good-faith discussion with us by:

• Sending us a written message by email to tuition@ancourage.net or WhatsApp to +65 8849 8106 clearly describing the issue, relevant dates, and desired resolution.
• Meeting with us to discuss resolution, where we ask for a meeting and one is reasonably practicable.
• Allowing us at least 14 business days from your message before taking any further step.

This step binds us in the same way: where we have a complaint or dispute with you, we will raise it with you in writing first and allow you at least 14 business days from our message before we begin mediation or court proceedings. It does not delay the steps our Enrolment and Attendance Policies set out for an amount that stays unpaid, or a request for urgent relief.

2. Mediation

If internal resolution is unsuccessful, either party may request mediation through:

• Consumers Association of Singapore (CASE), or
• Singapore Mediation Centre (SMC).

Except where the clauses below say otherwise, both of us agree to take part in mediation in good faith before starting legal action. If neither of us asks for mediation within 30 days after our written response to a complaint — or, where we have not given a written response, within 30 days after the written message that raised the complaint — either of us may start legal action. Once that right to start legal action has arisen, a later response does not restart the period. Where either of us has asked for mediation, either of us may start legal action once the first mediation session has ended without a settlement, or 60 days after the request, whichever is sooner. Unless we agree otherwise, we each pay half the mediator's fee and our own costs.

Nothing in this section prevents either party from applying to a court for urgent interim relief, or from taking any step reasonably necessary to stop a limitation period expiring, or affects any right you have under Singapore law that cannot be excluded.

These Terms and Conditions are governed by, and are to be read in accordance with, the laws of the Republic of Singapore.

Both of us agree, exclusively and irrevocably, that the courts of Singapore will decide any dispute arising out of or in connection with these Terms, your enrolment, or the services we provide.

Changes to these Terms. Ancourage Academy may modify, amend or update these Terms and Conditions. Any change applies from the date we publish it and only to matters arising after that date. Except as stated next, it does not alter, for a lesson package you have already bought, what you bought (the subject, level, class type and number of lessons), its price, its validity period, or the refund, credit and forfeiture terms that apply to it; it does not alter lesson credits you already hold, or a deposit we already hold for you; and it does not reduce the remedies these Terms give you for that package. As the one exception, a change to how a change of class is classified under clause 5 of Refunds and Withdrawals, or to a definition in that clause, applies to every enrolment 14 days after we give you direct notice of it; you may then end that enrolment under the last paragraph of this section.

Procedures and rules. Our procedures and rules on attendance, notice, conduct, safety, drop-off and collection, and how we communicate with you, may change on at least 14 days' direct notice, and then apply to every enrolment whether or not you reply.

Deposit top-ups. Asking you to top an enrolment deposit back up to one lesson's fee, on the basis set out in Refunds and Withdrawals clause 1 above, is not a change to what you bought: it is a term of the bargain you already have.

Changes are posted on this page and the 'Last Updated' date at the top is revised accordingly. Where a change materially affects an enrolment already in progress, we will also tell you directly, using the contact details we hold for you.

Where a change materially reduces what you bought under a package already in progress, or the remedies these Terms give you for it, you may end the enrolment for that subject on the ordinary terms of the Withdrawal Procedure in clause 3 of Refunds and Withdrawals above. To end an enrolment on that basis, tell us in writing within 14 days of the date of our notice of the change; after that the right under this paragraph lapses. Those 14 days limit this particular right and nothing else: we do not treat your silence, or your child continuing to attend, as your agreement to a change. A change to our procedures or rules that leaves what you bought and your remedies intact gives no additional right to withdraw.

1. Severability, Third Parties, Assignment and Waiver

If a court with authority to decide the question finds a provision invalid, illegal or unenforceable, that provision is severed from these Terms. The rest stays in force, as far as Singapore law allows. If only part of a provision is invalid, only that part is severed. Apart from the people named in the Parental Indemnification clause, no one who is not a party to these Terms may enforce them, and we may vary or end them without anyone else's consent. You agree that we may transfer our rights and obligations under this agreement to a successor to or purchaser of our business, or to a company in our group that takes over the services and assumes those obligations. We will tell you when we do; nothing you have paid for changes, and your ordinary right to end an enrolment under the Withdrawal Procedure is unaffected. If we let something pass on one occasion, that does not waive it on another.

2. Entire Agreement

These Terms and Conditions, along with:

• Enrolment and Attendance Policies
• Privacy Policy
• Your written acceptance of these Terms, however given — including a reply by WhatsApp, text or email
• Payment confirmations
• Your booking confirmation, where a session is sold for a specified date, to the extent it identifies the session booked, its date, time and venue, its price and payment terms, the booking window, the participants and any key participant, or records a variation to that booking that one of our directors has agreed in writing

constitute the entire agreement between you and Ancourage Academy, and supersede all prior discussions, representations, understandings, or agreements, whether oral or written. Nothing in this paragraph excludes or restricts liability for misrepresentation, any express warranty, or any right or remedy that cannot lawfully be excluded or restricted.

These Terms, our Enrolment & Attendance Policies and our Privacy Policy are to be read together. Where a term in one cannot be reconciled with a term in another, these Terms govern, then the Enrolment & Attendance Policies, then the Privacy Policy; if a term is ambiguous, the interpretation more favourable to you applies. Our Editorial Policy is provided for transparency only and does not form part of this agreement.

We waive a provision of these Terms only where a director of Ancourage Academy, who is our authorised representative for this purpose, says so in writing. No tutor or other member of our staff has authority to vary these Terms for you, or to give you an assurance that is inconsistent with them; a variation for your enrolment binds us only where an authorised representative of Ancourage Academy agrees to it in writing.

Ancourage Academy is a private school Registered with the Ministry of Education (MOE), Singapore. Registration gives private schools the right to operate when basic requirements are met; it does not mean MOE endorses or accredits a school, its courses or its teachers. Where we describe our status — including the short form "MOE-registered" — we mean only that Ancourage Academy is registered with the Ministry of Education as a private school.

We may issue certificates of attendance or completion for our own internal assessments or courses. Those certificates are our own: Singapore does not have a central authority that recognises private school certificates, and whether one is recognised is for the receiving school or employer to decide.

If you have questions about these Terms and Conditions, please contact us:

For privacy and data protection enquiries (PDPA requests for access, correction, or withdrawal):