1. INTRODUCTION
This Privacy Policy (“Policy”) sets out the basis upon which TCBG International Pte Ltd (“TCBG”, “Company”, “we”, “us”, or “our”) may collect, use, disclose, process, retain, and protect personal data in accordance with the Personal Data Protection Act 2012 of Singapore (“PDPA”) and all applicable laws and regulations.
By accessing, browsing, submitting information through, or otherwise using our website, forms, communication channels, consultancy support, or related services (collectively, the “Services”), you acknowledge and agree to the terms of this Policy.
2. DEFINITIONS
For the purposes of this Policy:
• “Personal Data” means data, whether true or not, about an individual who can be identified from that data or from that data and other information to which we have or are likely to have access.
• “User”, “you”, or “your” refers to any person who accesses or uses our Services.
• “Third Party Provider” means any training provider, course operator, educational institution, service provider, partner, vendor, consultant, or affiliated third party.
3. NATURE OF OUR ROLE
TCBG International acts primarily as a consultancy, advisory, support, referral, business support, and programme guidance platform. Unless expressly stated otherwise in writing:
• We are not the legal training provider
• We are not the awarding body
• We are not the certifying authority
• We are not SkillsFuture Singapore (“SSG”)
• We are not the approving authority for subsidies, grants, or WSQ claims
All programme approvals, enrolments, eligibility decisions, certifications, attendance obligations, grant applications, and claims are subject to the terms and decisions of the relevant course provider and/or competent authority.
4. PERSONAL DATA WE MAY COLLECT
We may collect, receive, or process the following categories of Personal Data:
Identity Information
• Full name
• NRIC / FIN / passport details (only where reasonably necessary and lawfully collected)
• Date of birth
• Nationality
Contact Information
• Mobile number
• Email address
• Mailing address
• Emergency contact information (if applicable)
Education / Career / Skills Information
• Employment history
• Job title / occupation
• Resume / CV details
• Qualifications / certifications
• Training interests
• Skills gaps / learning objectives
Transaction / Administrative Information
• Registration forms
• Enquiry records
• Appointment records
• Payment-related records (where applicable)
• Communication history with us
Technical / Website Data
• IP address
• Browser type
• Device information
• Website usage behaviour
• Cookies / analytics data
Any Other Information
• Any information voluntarily submitted by you through our website, forms, email, WhatsApp, phone calls, social media, or
other channels.
5. PURPOSES FOR COLLECTION, USE, AND DISCLOSURE
We may collect, use, disclose, or process your Personal Data for one or more of the following purposes:
• To respond to enquiries
• To provide programme guidance, consultancy, or advisory support
• To recommend suitable courses, learning pathways, or business support options
• To manage appointments, forms, registrations, and communications
• To facilitate referrals or introductions to relevant training providers, service providers, consultants, or partners (where applicable and appropriate)
• To send updates, newsletters, event invitations, announcements, promotional materials, or service information
• To comply with legal obligations, regulatory requests, lawful investigations, or dispute resolution
• To improve website functionality, user experience, business processes, programme matching, and service quality
• To detect, prevent, investigate, and respond to fraud, abuse, misuse, or unlawful conduct
6. LEGAL BASIS / CONSENT
By providing your Personal Data to us, you consent to our collection, use, disclosure, and processing of such data in
accordance with this Policy, unless otherwise required or permitted by law.
Where required, consent may be obtained through:
• Website form submissions
• Contact forms
• WhatsApp / email communications
• Appointment requests
• Tick-box acknowledgements
• Written or verbal confirmations
We reserve the right to rely on any exception, exemption, or lawful basis under the PDPA or other applicable law where
consent is not required.
7. DISCLOSURE TO THIRD PARTIES
We may disclose your Personal Data to the following parties where necessary and lawful:
• Course providers / training centres
• Educational institutions
• Technology vendors / CRM / hosting / analytics providers
• Payment service providers (where applicable)
• Professional advisers (lawyers, auditors, consultants)
• Government authorities / regulators / law enforcement where required by law
• Business partners or service collaborators involved in delivering support or referral functions
We will take reasonable steps to ensure that such third parties are subject to appropriate confidentiality or data protection obligations where applicable.
8. THIRD-PARTY WEBSITES & EXTERNAL LINKS
Our website may contain links to third-party websites or platforms.
We do not own, operate, or control such third-party websites and are not responsible for:
• their privacy practices
• their content
• their data handling
• their security
Accessing such third-party sites is entirely at your own risk.
9. DATA RETENTION
We will retain Personal Data only for as long as:
• it is necessary to fulfil the purposes for which it was collected;
• it is required for business or operational purposes;
• it is required by law, regulation, tax, audit, or legal obligations; or
• it is necessary for dispute resolution or enforcement of legal rights.
We reserve the right to retain archived or backup data for reasonable operational, legal, audit, compliance, and security purposes.
10. DATA PROTECTION & SECURITY
We implement reasonable and appropriate administrative, technical, and physical safeguards to protect Personal Data against unauthorised access, disclosure, alteration, misuse, or loss.
However, no transmission over the internet or electronic storage system is guaranteed to be completely secure. Accordingly, to the fullest extent permitted by law, we do not warrant or guarantee absolute security.
11. TRANSFER OF DATA
Where necessary for our operations, your Personal Data may be stored, processed, or transferred outside Singapore.
Where such transfer occurs, we will take reasonable steps to ensure that a comparable standard of protection is provided in accordance with the PDPA, where applicable.
12. ACCESS, CORRECTION & WITHDRAWAL OF CONSENT
Subject to applicable law, you may request to:
• access your Personal Data
• correct inaccurate or incomplete Personal Data
• withdraw consent to our use of your Personal Data
We reserve the right to:
• request verification of identity;
• charge a reasonable administrative fee where permitted by law;
• refuse or limit requests where permitted or required under applicable law.
Withdrawal of consent may affect our ability to continue providing Services, support, recommendations, or communications to you.
13. COOKIES & WEBSITE ANALYTICS
Our website may use cookies, analytics tools, tracking pixels, or similar technologies to:
• improve website performance
• analyse visitor behaviour
• personalise user experience
• support internal marketing and operational analytics
By continuing to use our website, you acknowledge and agree to such use, subject to your browser settings and applicable law.
14. LIMITATION OF LIABILITY
To the fullest extent permitted by law, TCBG shall not be liable for any loss, damage, cost, claim, liability, expense, or consequence (including indirect, incidental, special, punitive, or consequential damages) arising from or in connection with:
• your reliance on information on this website;
• your submission of Personal Data;
• any unauthorised access beyond our reasonable control;
• third-party actions, websites, providers, or systems;
• delays, errors, omissions, or disruptions in service.
15. CHANGES TO THIS POLICY
We reserve the right to amend, revise, or update this Policy at any time without prior notice.
The latest version shall prevail and will be published on our website. Continued use of our Services constitutes acceptance of the updated Policy.
16. GOVERNING LAW
This Policy shall be governed by and construed in accordance with the laws of the Republic of Singapore.
Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts of Singapore.
17. CONTACT / DATA PROTECTION ENQUIRIES
If you have any questions, requests, or concerns regarding this Privacy Policy or your Personal Data, please contact:
TCBG International Pte Ltd
Email: admin@tcbginternational.com
1. INTRODUCTION
This Refund & Cancellation Policy (“Policy”) governs the cancellation, refund, rescheduling, and fee-related terms applicable to services, consultations, advisory support, referrals, programme guidance, and related activities provided by TCBG International Pte Ltd (“TCBG”, “we”, “us”, or “our”).
By engaging our Services, making payment, confirming an appointment, submitting a registration, or otherwise proceeding with our support, you agree to be bound by this Policy.
2. NATURE OF SERVICES
Unless expressly stated otherwise in writing, TCBG provides:
• consultancy services
• advisory support
• programme / course guidance
• referral / matching assistance
• business support and administrative assistance
TCBG is not the legal course provider, training operator, awarding institution, or funding approval authority unless expressly stated in a separate written agreement.
3. GENERAL PAYMENT RULE
All fees paid to TCBG are, unless otherwise stated in writing, strictly non-refundable once any of the following has occurred:
• consultation time has been reserved;
• work has commenced;
• advisory support has been rendered;
• matching or referral activity has been initiated;
• internal processing or administrative work has begun;
• documentation, recommendations, or planning work has been delivered.
4. CONSULTATION BOOKINGS
4.1 Booking Confirmation
A consultation, appointment, or support session shall be deemed confirmed once:
• payment is received; or
• a time slot is reserved and acknowledged by us; or
• written confirmation is issued.
4.2 Client Cancellation
If you cancel:
• more than 72 hours before the session: rescheduling may be considered at our discretion
• within 72 hours: no refund
• within 24 hours: no refund and no guaranteed rescheduling
• no-show / absence: strictly no refund
4.3 Late Arrival
If you are late, your session may still end at the originally scheduled time. No refund or extension shall be given for late arrival.
5. ADMINISTRATIVE / PROCESSING FEES
Where applicable, any administrative, processing, handling, coordination, or documentation fees incurred by TCBG shall be non-refundable, regardless of whether:
• the user proceeds with the course;
• the provider accepts the user;
• funding is approved;
• the programme is later changed or cancelled by the provider.
6. THIRD-PARTY TRAINING PROGRAMMES
6.1 Third-Party Responsibility
Any course, class, programme, certification, or workshop provided by a third-party training provider is governed by the
terms and policies of that provider.
TCBG shall not be liable for:
• refunds
• cancellations
• postponements
• trainer changes
• class schedule changes
• grant rejections
• attendance disputes
• certification issues
• provider disputes
6.2 Direct Payments to Providers
Where payment is made directly to a course provider, TCBG bears no responsibility for refund processing or payment recovery. Users must deal directly with the provider for any refund or dispute.
7. NO GUARANTEE OF FUNDING / SUBSIDY / ENROLMENT
TCBG does not guarantee:
• SkillsFuture eligibility
• SSG subsidy approval
• WSQ funding approval
• employer sponsorship approval
• programme acceptance
• placement availability
• certification outcome
• employment outcome
Refunds shall not be granted merely because:
• funding was not approved;
• the user was not eligible;
• the user changed their mind;
• the course was not suitable after registration;
• the user failed to meet provider requirements.
8. USER RESPONSIBILITY
It is the user’s sole responsibility to:
• verify eligibility
• review programme terms
• confirm fees and schedules
• attend sessions punctually
• provide complete and accurate documents
• communicate with the relevant provider where necessary
Failure to do so shall not entitle the user to a refund from TCBG.
9. RESCHEDULING
Rescheduling requests may be granted solely at our discretion and are subject to:
• staff availability
• business scheduling
• administrative feasibility
Approval of a rescheduling request does not create any future right to additional changes.
10. CANCELLATION / RESCHEDULING BY TCBG
TCBG reserves the right to cancel, postpone, reschedule, suspend, or modify any appointment, session, or support
arrangement due to:
• unforeseen operational reasons
• staff unavailability
• technical issues
• force majeure events
• safety or legal concerns
Where appropriate, we may, at our sole discretion:
• offer a replacement session;
• reschedule the appointment; or
• provide a partial or full refund.
Such remedy shall be the user’s sole and exclusive remedy.
11. SPECIAL / EXCEPTIONAL CASES
Any refund, credit, waiver, or goodwill arrangement granted by TCBG shall be:
• entirely discretionary;
• non-precedential; and
• not binding for future cases.
Supporting documents may be requested for exceptional circumstances such as medical emergencies.
12. REFUND PROCESSING
Where a refund is approved:
• it may take 14 to 30 working days to process;
• it may be subject to deduction of administrative / banking / transaction charges;
• it shall be made via the original payment method where reasonably possible.
TCBG shall not be liable for any delay caused by banks, payment gateways, or third-party processors.
13. CHARGEBACKS / PAYMENT DISPUTES
If a user initiates a chargeback, reversal, or payment dispute without first contacting TCBG to resolve the matter:
• we reserve the right to suspend all ongoing services;
• deny future services;
• recover any outstanding amounts, costs, fees, and legal expenses;
• pursue legal remedies where necessary.
14. LIMITATION OF LIABILITY
To the fullest extent permitted by law, TCBG shall not be liable for any direct, indirect, incidental, special, punitive, or consequential losses arising from:
• cancellations
• no-shows
• refund disputes
• provider disputes
• rejected funding applications
• delayed or unsuccessful programme outcomes
15. AMENDMENTS
We reserve the right to amend, revise, or replace this Policy at any time without prior notice.
The latest version published by us shall apply.
16. GOVERNING LAW
This Policy shall be governed by the laws of the Republic of Singapore.
Any dispute arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts of Singapore.
17. CONTACT
For refund, cancellation, or policy enquiries, please contact:
TCBG International Pte Ltd
Email: admin@tcbginternational.com
