Payments Policy

Effective Date: 28 Sep 2026

Thank you for choosing Estorya Counseling Pte Ltd. This Payment Policy sets out the payment terms and procedures applicable to purchases and bookings made through our online store.

Company: Estorya Counseling Pte Ltd

UEN: 202532812E

Address: 114 Lavender Street, #02-53, CT Hub 2, Singapore 338729

Email: admin@estoryacounseling.com

Phone: +65 8826 3806

We accept payment methods made available through our Shopify checkout, which may include:

• Visa
• Mastercard
• American Express
• UnionPay
• Apple Pay
• Google Pay
• Shop Pay
• Other payment methods made available through our payment service providers

The payment methods available may vary depending on your location, device and other eligibility requirements.

Full payment is required at the time of purchase unless otherwise stated.

When you complete a transaction, you will receive an order or payment confirmation by email.

A confirmation of your order or booking does not necessarily guarantee that the service will be provided if there are circumstances requiring cancellation, rescheduling or further verification.

We reserve the right to decline or cancel a transaction where:

• Payment cannot be successfully authorised;
• Payment information is incorrect or incomplete;
• A transaction appears to be unauthorised or fraudulent;
• There is an error in the pricing or service information; or
• The requested product/service is unavailable.

Estorya Counseling Pte Ltd is a GST-registered business and applicable GST will be charged at the prevailing rate.

The current Singapore GST rate is 9%. GST is generally applicable to standard rated supplies of goods and services made in Singapore.

Unless otherwise stated, prices displayed to customers on our website are subjected to 9% GST.

For example:

Service Price: S$109.00 Goods/services price : $100 ? or $109
GST amount: S$9.00
Amount payable: S$109.00

The GST component is calculated based on the applicable GST rules and the nature of the service provided.

All product sales are final and non-refundable.

Once an order has been successfully placed and payment has been received, we do not accept requests for refunds due to:

• Change of mind;
• Incorrect product selection;
• Incorrect quantity ordered;
• Personal preference;
• No longer requiring the product;
• Failure to use the product; or
• Failure to collect or receive the product due to circumstances attributable to the customer.

Customers are therefore encouraged to carefully review their order, product selection, quantity and delivery details before completing payment.

If you receive a product that is:

• Damaged upon delivery;
• Defective;
• Incorrectly supplied; or
• Significantly different from the product ordered,

please contact us at admin@estoryacounseling.com as soon as possible after receiving the product.

Please provide your order number, photographs of the product and packaging, and a description of the issue so that we can assess the matter.

Where an issue is confirmed, Estorya Counseling Pte Ltd may, at its discretion and subject to applicable laws, provide an appropriate remedy such as:

• Replacement of the product;
• Replacement of the affected item; or

Other appropriate resolution.

Products may only be returned where Estorya Counseling Pte Ltd has specifically approved the return.

Unauthorised returns may not be accepted.

Returned products, where approved, may be required to be:

• Unused;
• In their original packaging;
• In saleable condition; and
• Accompanied by the original order details or proof of purchase.

Certain products may not be eligible for return due to hygiene, health, safety or other applicable requirements.

For hygiene, health and safety reasons, products that have been opened, used, consumed or otherwise altered may not be eligible for return or replacement, except where required by applicable law or where the product is confirmed to be defective.

Customers are responsible for providing accurate delivery information at checkout.

Estorya Counseling Pte Ltd is not responsible for additional delivery costs, delays or unsuccessful deliveries resulting from incorrect or incomplete information provided by the customer.

Any re-delivery may be subject to additional delivery charges.

If a payment is declined or unsuccessful, the order will not be considered confirmed until payment has been successfully completed.

Customers may be required to retry the payment or use another available payment method.

If you believe you have been charged more than once for the same order, please contact us promptly.

We will investigate confirmed duplicate charges and, where appropriate, arrange the necessary correction.

Customers are encouraged to contact us directly regarding any payment or order concerns before initiating a chargeback or payment dispute.

If a chargeback or payment dispute is initiated, we may provide relevant order, payment, delivery and transaction information to the applicable payment provider, bank or financial institution for investigation.

Payments are processed through Shopify and/or authorised third-party payment providers.

We do not generally have access to your complete credit or debit card details.

Nothing in this No-Refund Policy is intended to exclude or restrict any rights or remedies that cannot legally be excluded or restricted under applicable Singapore laws and regulations.

Where a refund, replacement or other remedy is legally required, the matter will be handled in accordance with the applicable requirements.

Estorya Counseling Pte Ltd reserves the right to update this Payment & No-Refund Policy from time to time.

The latest version will be published on our website with the updated effective date.

For enquiries regarding payments, products, or orders, please contact:

Estorya Counseling Pte Ltd 
UEN: 202532812E 
114 Lavender Street, #02-53, CT Hub 2 
Singapore 338729 
Email: hello@estoryacounseling.com 
Phone: +65 8826 3806