Private Education Act 2009
Private Education Act 2009
Under the PE Act 2009, a Committee for Private Education (www.ssg-wsg.gov.sg) was set up in December 2009 to regulate the private education sector in Singapore and raise standards over time. From 21 December 2010, all private education institutions (PEIs) are required to be registered under a new Enhanced Registration Framework (ERF) and comply with the regulations under the Act in order to operate. A voluntary certification scheme, known as EduTrust, has also been introduced to help distinguish higher quality players in Singapore’s private education industry.
SDH Institute (SDH) is registered with Committee for Private Education (CPE) under the Enhanced Registration Framework as well as certified under the EduTrust certification scheme.
In compliance with the new Act and EduTrust certification scheme, we have implemented the following:
Fee Protection Scheme (FPS)
All EduTrust-certified private education institutions (PEIs) are required to adopt a Fee Protection Scheme (FPS) to protect all fees paid by all their students. All fees refer to all monies paid by the students to be enrolled in a private education institution, excluding the course application fee, agent commission fee (if applicable), miscellaneous fees (non-compulsory and non-standard fee paid only when necessary or where in applicable, for example, the re-exam fee or charges for credit card payment etc,) and GST. More details of the FPS can also be found in the FPS Instruction Manual, available at CPE’s website (www.ssg-wsg.gov.sg).
Under the FPS, SDH has in place an insurance arrangement with Lonpac Insurance Bhd, a CPE-appointed insurance provider, to protect the course fees paid by ALL students. The FPS insurance serves to protect the student’s fees in the event that the PEI is unable to continue operations due to insolvency, and/or regulatory closure. In addition, the FPS protects the student if the PEI fails to pay penalties or return fees to the student arising from judgements made against it by the Singapore courts.
The PEI shall purchase insurance to protect the course fees paid by each student within 7 working days from the date of receipt of fees.
The insurance coverage shall commence from the fee payment date till the next payment due date or the course end date, whenever is earlier.
Original COI will be emailed to the student’s email address provided. The School will print and give a copy of COI to the students.
The student is required to retain the original copy of COI;
A copy of the master insurance agreement between CPE and Lonpac Insurance Bhd (the “Master Insurance Agreement”) and acceded to by the school for the purpose of insuring, among other things, is available here
SDH provides medical insurance coverage for hospitalisation and related medical treatment for ALL full-time students for the entire course duration. SDH has put in place a medical insurance scheme provided by AXA Insurance Pte Ltd for all its students.
Medical insurance is not applicable to part-time students and students taking courses with duration of not more than one month or 50 hours.
SDH Refund Policy
A. Refund Policy
SDH shall have a fair and reasonable refund policy for any payment made and maintain up-to-date and accurate refund records at all times. The refund policy is clearly communicated to all its students via the website, student contract, and student handbook. The refund policy must be clearly explained to all students and prospective students. The policy should also be available in students’ native languages where applicable. Students must also be communicated about the computation of the refund amount.
- Refund for withdrawal Due to Non-Delivery of Course:
a. SDH shall inform the student immediately within three (3) working days upon knowledge of any of the following:
- It does not commence the Course on the Course Commencement Date; For example, insufficient number of students to commence the course.)
- It terminates the Course before the Course Commencement Date; (For example, termination of partnership agreement with external education partner.)
- It does not complete the Course by the Course Completion Date. (For example, closure of school.)
- It terminates the Course before the Course Completion Date; or (For example, closure of school)
It has not ensured that the Student meets the course entry or matriculation requirement as set by the organisation stated in Schedule A of the Student Contract within any stipulated timeline set by CPE; or
- The Student’s Pass application is rejected by Immigration and Checkpoints Authority (ICA).
b. The Student shall be informed in writing of alternative study arrangements (if any), and also be entitled to a refund of the entire Course Fees and Miscellaneous Fees already paid should the Student decide to withdraw, within seven (7) working days of the above notice.
2. Refund for Withdrawal Due to Other Reasons:
If the Student withdraws from the Course for any reason other than those stated in the above circumstances (i) to (vi), SDH shall, within seven (7) working days of receiving the Student’s written notice of withdrawal, refund to the Student an amount based on the below table.
|% of [amount of fees paid under Schedule B and C of the Student Contract]||If student’s written notice of withdrawal is received|
|90%||more than 30 days before the Course Commencement Date|
|50%||before, but not more than 30 days before the Course Commencement Date|
|25%||after, but not more than 3 days after the Course Commencement Date|
|0%||more than 3 days after the Course Commencement Date|
3. Refund During Cooling-Off Period:
SDH shall provide the Student with a cooling-off period of seven (7) working days after the date of the Student Contract has been signed by both parties. The Student will be refunded the highest percentage stated in Schedule D of the Student Contract of the fees already paid if the Student submits a written notice of withdrawal to SDH Institute within the cooling-off period, regardless of whether the Student has started the course or not.
4. Non-refundable fees
The following fees are non-refundable:
- Application Fee
- External Examination Fees (if applicable)
- Relevant bank charges paid by SDH
- Fees charged for administrative services (for example, late payment charges, re-prints of transcripts)
- Consumed miscellaneous fees (Refer to Schedule C of the Student Contract)
- Industrial Attachment Administrative Fee
- Industrial Attachment Placement Fee
- Transfer of Programme Fee
- Course Progression Fee
5. Transfer applications
For approved transfer applications, the balance of the unconsumed course fees can be transferred to the new course. (Refer to the “Transfer” definition in the Transfer/Withdrawal Policy)
SDH regularly reviews the refund policy and refund procedures to ensure that it remains fair to the students and for continual improvement
Refund Procedure (Withdrawal and Refund Policies and Processes)
Please click here to view the Refund Procedures. You may also refer to the Disute Resolution Policy and Proccedures, Final Results Appeals, Transfer/Wihdrawal Policies and Procedures etc. (Extracted from SDH Student Handbook)
Standard PEI-Student Contract
All students will enter into a standard CPE’s PEI-Student Contract with SDH during admission. Please click here to download a copy of the Standard PEI-Student Contract from the Committee for Private Education (CPE) website.