To be eligible for a refund under this Refund Policy, the parent or legal guardian enrolling the student with BrightChamps (hereinafter referred to as the “Parent/Guardian”), including any student participating under the supervision, authorization, and responsibility of such Parent/Guardian, must satisfy all of the following conditions:

1. The Parent/Guardian must have successfully enrolled the student in a course, program, or service offered by BrightChamps.
2. The applicable course, program, or service must not have been fully completed.
3. Eligible unused class credits/classes may qualify for a refund strictly in accordance with the terms, conditions, limitations, deductions, and exclusions set out under this Refund Policy.
4. For this Refund Policy, class credits/classes may be treated as utilized if scheduled, reserved, conducted, attended, partially attended, accessed, or otherwise made available to the student. 
5. BrightChamps’ services shall be deemed to commence upon enrollment and/or activation of any related services, including curriculum access, class scheduling, mentor allocation, onboarding, or platform access. 
6. For one-to-one classes, a refund request must be formally submitted within 10 (ten) days from the date on which payment is received by BrightChamps (“Payment Date”).
7. Any refund request submitted after the expiry of the aforesaid 10 (ten) day period shall be deemed ineligible, irrespective of whether classes have commenced, been scheduled, attended, accessed, or utilized.
8. For one-to-many/group classes, refund requests must be formally submitted within 10 (ten) days from the date of the first scheduled class (“Class Start Date”).
9. Mere non-usage, non-attendance, scheduling difficulty, change of preference, dissatisfaction, lack of participation, or failure to attend classes after commencement of services shall not, by itself, constitute grounds for refund beyond the applicable refund eligibility period.
10. The Parent/Guardian shall be required to participate in and complete a mandatory exit interview/meeting with BrightChamps’ authorized representatives as part of the refund review and processing procedure. Failure, refusal, non-responsiveness, or non-cooperation in attending such a meeting may result in the refund request being deemed incomplete and consequently ineligible for processing.
11. The student and/or Parent/Guardian must not have had their enrollment, account, or access suspended or terminated by BrightChamps for cause, including but not limited to violation of applicable policies, abusive, inappropriate, threatening, or disruptive conduct, misuse of platform services, academic misconduct, fraudulent activity, payment-related violations, breach of trust, unauthorized payment disputes or chargebacks, or any conduct reasonably determined by BrightChamps to be harmful to BrightChamps, its employees, educators, contractors, systems, platform, reputation, or other users, and shall accordingly be deemed ineligible for any refund under this Refund Policy.
12. If the Parent/Guardian opts for transfer of credits, change of teacher, migration to another course/program, rescheduling arrangement, retention benefit, alternate learning plan, extension, pause request, or any accommodation facilitated by BrightChamps’ retention or support team, the Parent/Guardian shall thereafter cease to be eligible for any refund under this Refund Policy.
13. Initiating a dispute, chargeback, reversal request, or claim directly with any payment gateway, financial institution, bank, card provider, PayPal, or similar third-party payment intermediary shall not constitute a valid refund request under this Refund Policy. A refund request shall be considered valid only if formally submitted through BrightBuddy’s official refund request process within the applicable refund eligibility timeline prescribed under this Refund Policy. The applicable refund eligibility period shall not be extended, paused, revived, recalculated, or otherwise modified on account of any dispute, chargeback, or payment reversal initiated outside BrightChamps’ official refund channels.
14. BrightChamps reserves the right to suspend classes, restrict platform access, withhold unused credits/classes, and/or pause ongoing services during the pendency of any payment dispute, chargeback investigation, or reversal proceeding.
15. Where enrollment is made through an installment payment plan, refund eligibility shall be determined solely with reference to:
     (a) the date of the first installment payment for one-to-one classes; or
     (b) the date of the first scheduled class for one-to-many/group classes.
16. Subsequent installment payments shall not restart, renew, extend, or otherwise modify the applicable refund eligibility period. Any refund request submitted beyond the applicable eligibility period shall be deemed ineligible, notwithstanding any pending, future, scheduled, or continuing installment payments.
17. BrightChamps’ internal records, attendance logs, learning management system records, session reports, communication records, platform activity logs, scheduling records, and payment records shall be treated as prima facie accurate for determining enrollment status, service utilization, attendance, timelines, refund eligibility, and refund calculations.