Refund & Cancellation Policy

This policy explains how cancellations and refunds work for anything you buy from SignaOS Pte. Ltd. (UEN 202546601R), a company registered in Singapore ("SignaOS", "we", "us"). It covers three kinds of purchase: ongoing service engagements, one-time services, and digital products. Where a written engagement agreement between us sets different cancellation or refund terms, that agreement governs for that engagement.

1. Service engagements

Operations engagements are billed as a recurring retainer, in advance, as set out in the engagement agreement. Unless your agreement says otherwise:

• You may cancel at any time by written notice to us. Cancellation takes effect at the end of the billing period in which we receive your notice.
• You will not be billed for any period after cancellation takes effect.
• Fees already paid for the current billing period are not refunded, because the service runs continuously through that period.
• If we terminate an engagement for convenience partway through a period you have paid for, we refund the unused portion of that period on a prorated basis.

On cancellation we revoke our access to your connected accounts and handle your data as described in our Privacy Policy.

2. One-time services

For services sold as a one-time engagement, such as an operations audit or a setup project, with a scheduled start date agreed between us:

• If you cancel at least 7 days before the scheduled start, we refund the fee in full.
• If you cancel less than 7 days before the scheduled start, we refund 50% of the fee, or, if you prefer, credit the full fee toward one rescheduled date or a future engagement. The window exists because we reserve capacity for your engagement once it is scheduled.
• If you cancel after work has started but before delivery, we refund the portion of the fee that reflects work not yet performed.
• Once the deliverable has been provided, the fee is not refundable.

3. Digital products

SignaOS sells one-time digital products, such as educational materials, under its own brands. Every digital product comes with a 30-day money-back guarantee:

• If you are not satisfied with a digital product for any reason, contact us within 30 days of purchase and we refund it in full. No questions, no forms.
• We may decline a refund where we see a pattern of abuse, such as repeatedly purchasing and refunding products.
• Some digital products are sold through a third-party merchant of record. In that case the merchant of record is the seller shown on your receipt and card statement, and refunds are processed through it. You can still contact us first and we will route the request; the same 30-day guarantee applies.

The price and currency of every product are shown at checkout before you pay.

4. How to request a refund or cancel

For service engagements, written notice under your engagement agreement can also be given through the contact named in that agreement.

5. How refunds are processed

Approved refunds are issued to the original payment method. We initiate the refund within 5 business days of approving it; depending on your bank or card issuer, it can take a further 5–10 business days to appear on your statement. We do not refund to a different card or account than the one used to pay.

6. Billing disputes

If you believe a charge is wrong, contact us before raising a dispute with your bank or card issuer. Most billing issues are resolved within a few business days once we can see the charge in question. We work through disputes in good faith and would rather fix an error directly than have you go through a chargeback.

7. Your statutory rights

Nothing in this policy limits rights you have under applicable law that cannot be excluded by agreement, including rights under Singapore's Consumer Protection (Fair Trading) Act and, where they apply to you, consumer protections in your own jurisdiction. Where such a right entitles you to a remedy this policy does not provide, the law prevails.

8. Changes to this policy

We may update this policy as our products or legal obligations change. We will update the "Last updated" date above; changes apply to purchases made after the change takes effect.

9. Contact

SignaOS Pte. Ltd.
583 Orchard Road, #13-01 Forum Office Tower
Singapore 238884
Refunds and billing: hello@signaos.com
Legal: legal@signaos.com