Payment And Refund Policy

Effective Date: 1 July 2025
Company Name: Apex Education Services Ltd.
Registered Office: 186 Maple Rd, London SE20 8HT, UK
Website: https://apexeducationservices.co.uk

1. Introduction

This Payment and Refund Policy outlines the terms and conditions that govern the purchase, payment, and refund of services offered by Apex Education Services Ltd., both onsite and online, for minors and adults. It complies with the UK Consumer Rights Act 2015, GDPR, and other applicable UK education and data protection regulations.

2. Scope of Services

Apex Education Services Ltd. provides a wide range of educational consultancy services including:

Study abroad guidance
University and college application support
Visa assistance
Online and in-person tutoring
Test preparation (e.g., IELTS, TOEFL)
Career guidance and mentorship programs
Workshops, seminars, and webinars

These services are available to both minors (with parental/guardian consent) and adults.

3. Payment Terms

All payments must be made in GBP (British Pound Sterling) unless otherwise specified.
Services must be paid in full in advance unless a written agreement for instalments is in place.
We accept payments via bank transfer, debit/credit card, Stripe, and PayPal.
Invoices are issued via email and must be settled within the stated due date.
Payment of any applicable taxes, transfer fees, or exchange rate differences is the responsibility of the client.

4. Instalment Plans

Clients may be eligible for instalment payments for certain long-term services.
An instalment agreement will clearly state the payment schedule, interest (if any), and consequences for late payments.
Missed or late payments may result in service suspension or termination without notice.

5. Cancellation and Refund Policy

5.1 Cooling-Off Period

In accordance with UK consumer laws, you have the right to cancel any service purchased online within 14 days of payment for a full refund, provided that the service has not commenced.

5.2 Refund Eligibility

Refunds may be granted under the following conditions:

Scenario	Refund Eligibility
Service cancelled within 14-day cooling-off period (before start)	100% refund
Cancellation after service start	Pro-rata refund (minus admin fees and hours used)
Visa refusal (if applicable)	50% refund (evidence required)
No-show or failure to attend scheduled sessions	No refund
Force majeure (e.g., illness, bereavement)	At discretion (supporting documentation required)

5.3 Refund Process

Requests must be submitted in writing to accounts@apexeducationservices.co.uk.
Refunds are processed within 14 working days upon approval.
Approved refunds are issued using the original payment method unless otherwise agreed.

5.4 Non-Refundable Services

Application fees to schools/universities or third-party institutions.
Visa processing fees once submission has begun.
Administrative or consultation fees once service delivery has commenced.

6. Service Modifications or Terminations by Apex

Apex Education Services Ltd. reserves the right to:

Cancel or reschedule a service due to unforeseen circumstances.
Substitute consultants or adjust timelines to maintain service quality.
In such cases, clients may choose a full refund, rescheduled service, or credit for future services.

7. Data Protection and GDPR Compliance

We strictly comply with the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018 in collecting, processing, and storing client information.

7.1 Data Usage

Your data will be used strictly for service delivery, payment processing, and lawful reporting purposes.
We will never sell or share your data without your consent, except as required by law.

7.2 Data Retention

Client data is retained for up to 6 years in accordance with UK tax and legal obligations.
You may request access to or deletion of your data by contacting privacy@apexeducationservices.co.uk.

For more information, see our Privacy Policy.

8. User Policy for Minors

For clients under the age of 18:

All agreements must be signed by a parent or legal guardian.
Services involving minors (online or onsite) are delivered in accordance with UK safeguarding policies.
All communication, recordings (if any), or sessions involving minors are monitored or made available to guardians on request.

9. Dispute Resolution

If you are dissatisfied with any aspect of your service or refund, please follow our dispute procedure:

Submit a written complaint to support@apexeducationservices.co.uk.
We aim to resolve complaints within 10 working days.
If unresolved, you may escalate to a UK consumer mediation body such as the Financial Ombudsman Service or Chartered Trading Standards Institute (CTSI) ADR scheme.

10. Changes to This Policy

We may update this policy at any time. Significant changes will be communicated via email or website updates. Clients are encouraged to review this policy regularly.

11. Contact Information

Apex Education Services Ltd.
Website: https://apexeducationservices.co.uk
Email: support@apexeducationservices.co.uk
Phone: +442087788570
Registered in the UK