Fees & Refund Policy
Find information about payment methods, refund eligibility and how to request a refund.
Payment Methods & Terms
We accept the following payment methods:
- Atome
- Cash
- Major credit cards
- NETS
Payment is required upfront. BELLS does not charge a late-payment fee.
Refund Policy
Student Contracts can differ depending on when they are signed. Your signed Student Contract is legally binding and sets out the applicable refund terms for non-delivery of the course, withdrawal for other reasons and withdrawal during the cooling-off period.
Withdrawal Due to Non-Delivery of Course
The Institute will notify the trainee in writing within 3 working days after becoming aware of any of the following refund events:
- The Institute cannot commence the course on the Course Commencement Date.
- The Institute cannot complete the course by the Course Completion Date.
- The course will be terminated before the Course Completion Date.
- The trainee does not meet the course entry or matriculation requirements stated in Schedule A.
- ICA rejects the trainee’s Student Pass application.
Alternative Study Arrangements
For events (a) to (c), the Institute will use reasonable efforts to make alternative study arrangements and propose them in writing to the Contracting Party within 10 working days of informing them of the refund event.
If accepted, the arrangements will be set out in a new written contract. The existing contract automatically terminates when the new contract takes effect. If no alternative is proposed within the stipulated period, or the Contracting Party does not accept it, the Contracting Party may immediately terminate the contract by written notice to the Institute.
For events (d) and (e), the Institute will immediately terminate the contract by written notice to the Contracting Party.
Refunds Following Contract Termination
- If the contract is terminated under Clause 3.2(b), read with Clause 3.1(a) of the Standard Student Contract, all Course Fees and Miscellaneous Fees paid will be refunded within 7 working days of termination.
- If terminated under Clause 3.2(b), read with Clause 3.1(b) or 3.1(c), Course Fees and Miscellaneous Fees will be refunded in proportion to the uncompleted portion or duration of the course, whichever is higher, within 7 working days of termination.
- If terminated under Clause 3.3, or Clause 3.2(c) read with Clause 3.1(a), all Course Fees and Miscellaneous Fees paid will be refunded within 7 working days of termination.
- If terminated under Clause 3.2(c), read with Clause 3.1(b) or 3.1(c), Course Fees and Miscellaneous Fees will be refunded in proportion to the uncompleted portion or duration of the course, whichever is higher, within 7 working days of termination.
Withdrawal During the Cooling-Off Period
The Contracting Party may terminate the contract at any time within the cooling-off period by written notice to the Institute, without any liability to the Institute. All Course Fees and Miscellaneous Fees paid will be returned within 7 working days of receipt of the written notice. Refer to your signed Student Contract for the applicable cooling-off period.
Withdrawal Outside the Cooling-Off Period
Without prejudice to Clauses 3.1 to 3.8 of the Standard Student Contract, the Contracting Party may terminate the contract at any time before the Course Completion Date by written notice. Within 7 working days of receiving the notice, the Institute will refund any amount determined in accordance with Schedule D of the signed Student Contract.
Refund Table
The applicable refund percentages are set out in Schedule D of your signed Student Contract. These may differ depending on when the contract was signed. The table below is a reference; your signed contract determines the applicable terms.
| % of [the amount of Course fees and Miscellaneous Fees paid under Schedules B and C] | If Contracting Party’s written notice of withdrawal is received: |
| 75% | more than 15 working days before the Course Commencement Date |
| 50% | on or before, but not more than 15 working days before the Course Commencement Date |
| 0% | after, but not more than 0 working days after the Course Commencement Date |
| 0% | more than 0 working days after the Course Commencement Date |
Refund Procedure
Trainee-Initiated Refund
- Submit a Refund Request Form stating the reason for your request.
- Discuss the request with Programme Management. They will clarify the reason and record the refund computation under the Processing of Request section.
- Acknowledge the computation. You must acknowledge the amount and agree that processing may take several days. For trainees under 18, a parent or guardian must acknowledge it through the Refund Request Form.
- Processing follows Student Administration’s approval or acknowledgement. The process depends on how payment was made, as explained below.
SkillsFuture Credit (SFC) & Post-Secondary Education Account (PSEA)
Programme Management initiates the refund in the Training Management System (TMS), informs you of the amount and explains the computation. After verification, Student Administration processes the refund through the TPGateway Portal. You may log in to the respective portal to verify that the refund has been credited back to your account.
If the Institute has not yet received your SFC/PSEA payment when you request a refund, Programme Management initiates cancellation of the pending claim in TMS. After verification, Student Administration processes the cancellation through TPGateway. You may check the respective portal; the reflection takes immediate effect with no downtime.
Other Payment Methods
Programme Management will arrange a meeting to understand your request, inform you of the refund amount and explain the computation. Student Administration will then process the refund. The maximum time from your withdrawal or refund request to issuance of the eligible refund is 7 working days.
Institute-Initiated Refund Due to SWDA Funding Revision
When the SWDA Training Grant Team notifies the Institute of a revision to funding eligibility, Programme Management verifies the affected trainees and revised amounts. This is a mandatory adjustment initiated by the Institute, so you do not need to submit a Refund Request Form.
SFC & PSEA Payments
Student Administration raises a ticket through the SWDA Service Portal to the MOE (PSEA) Team or SFC Team to refund the excess amount. You may log in to the respective portal to verify that the refund has been credited back to your account.
Other Payment Methods
Programme Management confirms the PayNow account number with the trainee and forwards it to Finance for processing. The maximum time from notification by the SWDA Training Grant Team to issuance of the eligible refund is 7 working days.
Additional Payment Service Terms
The fees differ across course offerings and are subjected to subsidies under SkillsFuture credits and SkillsFuture funding.
The payment terms and conditions apply to students who provide for any payment made to BELLS Institute of Higher Learning (BELLS). By authorising a payment to the aforementioned company, it would be treated as an act of acceptance to the fees and refund policy as listed below.
1. The payment details supplied at the time of course application is processed by the payment gateway of the service provider and not by BELLS. It is the sole responsibility of the students to ensure that the information entered in the relevant fields are correct. It is recommended that students should retain a copy of the transaction for record keeping purposes, which may assist in resolution of any disputes which may arise.
2. Students acknowledge, agree, understand and confirm that his/ her personal data including without limitation details relating to payment transactions transmitted wirelessly or via the internet may be susceptible to misuse, hacking, theft and/ or fraud which BELLS has no control over such matters.
3. BELLS and/or respective Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of:
(a) any data, information or message or;
(b) the transmission or delivery of any such data, information or message or;
(c) any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message.
4. Under no circumstances shall BELLS, its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any consequential damages, or any damages arising out of or in any way connected with the provision of any payment services or resulting from unauthorised access or alteration of data transmissions or arising from suspension or termination of the Service.
5. The student agrees that BELLS or any of its employees will not be held liable for any loss or damages arising from his/her use of, or reliance upon the information contained on the Website, or any failure to comply with these terms where such failure is due to circumstance beyond BELLS’ reasonable control.
6. The payment details provided by students during payment must be correct and accurate and that he/she shall not use a payment account that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. They must also agree and undertake to provide correct and valid payment details.
7. BELLS may share personal information of students with its bankers or auditors for clearing necessary fees payments.
8. If a Student withdraws from the course with a written notice of withdrawal emailed to [email protected], BELLS shall refund to the Student the percentage of fees paid based on the below table (less any applicable bank administrative charges)