Payment & Billing Policy
Policy Version: 1.0 – November 2026
Effective Date: 16th November 2026
Website: www.tutorpalz.com
1. Introduction
1.1. TutorPalz is a global online education platform operated by Agricana Pte. Ltd., a company incorporated in Singapore.
1.2. This Payment & Billing Policy (“Policy”) explains how payments, tuition fees, commissions, billing, tutor earnings, withdrawals, refunds and payment disputes are administered through TutorPalz.
1.3. The Policy applies to students, parents, tutors and other users making or receiving payments through TutorPalz.
1.4. This Policy should be read together with the TutorPalz Student & Parent Terms & Conditions, Tutor Terms & Conditions, Refund, Cancellation & Rescheduling Policy and Privacy Policy.
1.5. Nothing in this Policy excludes rights or protections that cannot lawfully be excluded under applicable law.
2. Scope of Payment Services
2.1. TutorPalz currently supports paid online tuition and access to approved free educational resources.
2.2. Payments may be collected for:
- Individual paid tuition bookings where offered.
- Initial four-lesson tuition packages.
- Continuing three-lesson tuition packages.
- Other educational services expressly made available for purchase.
2.3. Eligible free trial lessons and approved free educational resources do not require a tuition or resource purchase payment.
2.4. Paid educational resources, recorded courses and commercial workshops may be introduced in the future under separate published commercial terms.
2.5. No payment obligation arises for a future service merely because that service is advertised as planned or forthcoming.
3. Tuition Pricing
3.1. Tuition prices are established according to the approved tutor rate, subject, curriculum, educational level and lesson duration.
3.2. TutorPalz may establish minimum pricing standards to support teaching quality and the platform’s premium tuition model.
3.3. The applicable price shall be displayed before the student or parent confirms payment.
3.4. Prices may be displayed in United States dollars (USD) or another currency supported by TutorPalz.
3.5. The checkout page shall identify the applicable currency and total amount payable.
3.6. TutorPalz shall disclose mandatory charges, applicable taxes and known additional fees before payment confirmation, as required by law.
3.7. Tutors must not request additional private payments for services already included in a confirmed TutorPalz booking.
3.8. Changes to tutor rates shall apply prospectively and shall not automatically alter prices already paid for confirmed bookings.
4. Payment Methods
4.1. Students and parents must complete payments through TutorPalz-approved payment channels.
4.2. Available payment methods and payment service providers shall be displayed during checkout.
4.3. TutorPalz may use authorised third-party payment providers to process transactions.
4.4. Payment method availability may differ according to the customer’s country, currency, payment provider and applicable restrictions.
4.5. TutorPalz does not guarantee that every payment method will be available in every country.
4.6. Users must not make payments to personal bank accounts, private wallets or external payment links supplied by tutors for TutorPalz bookings.
4.7. TutorPalz may change or add payment providers with appropriate operational and privacy safeguards.
5. Payment Authorisation and Security
5.1. Users must use payment methods they are legally authorised to operate.
5.2. By confirming a payment, the customer authorises the displayed transaction amount to be processed through the selected payment method.
5.3. TutorPalz may use approved third-party payment service providers to securely process transactions.
5.4. Payment card and other sensitive financial information shall be handled in accordance with applicable data protection and payment security requirements.
5.5. TutorPalz shall not intentionally require tutors to receive or store students’ payment card credentials.
5.6. Users must not share payment passwords, verification codes or other confidential payment credentials with tutors.
5.7. Suspected unauthorised transactions should be reported promptly to TutorPalz and the relevant payment provider.
5.8. TutorPalz may suspend suspicious transactions while undertaking reasonable verification.
6. Payment Confirmation and Billing Records
6.1. A booking requiring payment is confirmed only when the applicable payment and booking requirements have been satisfied.
6.2. Following successful payment, TutorPalz shall provide an appropriate payment confirmation or transaction record.
6.3. Billing records may include:
- Transaction reference.
- Payment date.
- Customer account.
- Tutor or service description.
- Lesson or package details.
- Amount paid.
- Currency.
- Applicable taxes or disclosed charges.
- Payment status.
6.4. Where legally required, TutorPalz shall provide a compliant receipt or tax invoice.
6.5. Customers should review their transaction records and promptly report errors.
6.6. TutorPalz may retain billing and transaction records for legitimate accounting, dispute resolution, regulatory and legal purposes.
7. Initial Four-Lesson Tuition Package
7.1. The standard initial paid tuition package consists of four lessons.
7.2. The package price, lesson duration and applicable conditions shall be disclosed before payment.
7.3. The four lessons should ordinarily be completed within 40 calendar days from the first scheduled lesson.
7.4. Students and parents must make reasonable efforts to schedule lessons within the applicable period.
7.5. TutorPalz shall maintain appropriate records of paid, completed, cancelled and unused lessons.
7.6. Refunds, cancellations, rescheduling and package extensions shall be handled according to the Refund, Cancellation & Rescheduling Policy.
7.7. Undelivered lessons shall not be recorded as successfully completed solely because the package period has expired.
8. Continuing Three-Lesson Tuition Package
8.1. Students may continue tuition through additional packages following the initial arrangement.
8.2. The standard continuing package consists of three lessons.
8.3. The three lessons should ordinarily be completed within 20 calendar days from the first scheduled lesson.
8.4. Payment must be completed according to the conditions disclosed at checkout.
8.5. Continuing tuition is voluntary.
8.6. TutorPalz shall not automatically charge students for a new package unless the student has expressly authorised a clearly disclosed recurring payment arrangement.
8.7. Unused lessons and refunds shall be handled under the applicable published policies.
9. Free Trial Lessons
9.1. Eligible students may attend free trial lessons lasting 20 minutes.
9.2. Each student may attend up to five free trial lessons per calendar month, subject to availability and eligibility.
9.3. No tuition fee is charged to the student for an eligible free trial.
9.4. Students are not required to purchase a paid package after attending a trial.
9.5. No monetary cancellation or no-show charge applies to a free trial.
9.6. TutorPalz may provide eligible tutors with a conditional trial conversion reward.
9.7. The reward is equal to 50% of the tutor’s pro-rated 20-minute trial lesson fee, calculated using the approved hourly rate.
9.8. The reward becomes eligible for release only when the student confirms the tutor and purchases the initial four-lesson package, subject to payment verification and applicable programme terms.
9.9. The trial reward is funded through TutorPalz’s applicable arrangements and shall not be added as an undisclosed charge to the student.
10. TutorPalz Tuition Commission
10.1. TutorPalz charges tutors a platform commission on eligible paid tuition transactions.
10.2. The standard commission structure is:
| Tutor Category | TutorPalz Commission |
|---|---|
| Verified Tutor – Hourly rate below USD 20 | 25% |
| Verified Tutor – Hourly rate USD 20 or above | 20% |
| Preferred Tutor | 15% |
| Distinguished Tutor | 13% |
10.3. The USD 20 threshold refers to the tutor’s approved hourly tuition rate.
10.4. Commission is calculated using the applicable eligible tuition fee, excluding amounts that are refunded, reversed or otherwise not recognised as eligible tuition revenue.
10.5. Any applicable tax or payment processing treatment shall follow the disclosed tutor settlement terms.
10.6. TutorPalz may introduce or revise commission categories prospectively with appropriate notice.
10.7. Commission changes shall not retrospectively alter completed eligible transactions contrary to the applicable agreement.
11. Founding Tutor Commission
11.1. Tutors expressly approved under the Founding Tutor Programme may qualify for a promotional commission rate.
11.2. Eligible Founding Tutors pay 10% tuition commission for their first three months under the programme.
11.3. The promotional period begins on the date specified in the tutor’s programme confirmation.
11.4. After the promotional period, the applicable standard commission rate shall apply.
11.5. Founding Tutor benefits are personal to the approved tutor account.
11.6. The promotional tuition rate does not automatically apply to educational resource sales, courses, workshops or other separately governed services.
12. Calculation of Tutor Earnings
12.1. Tutor earnings are calculated from eligible tuition fees after the applicable TutorPalz commission and any lawful, disclosed adjustments.
12.2. For illustration, a Verified Tutor charging USD 30 per hour with a 20% commission would have the following calculation:
| Description | Amount |
|---|---|
| Tuition fee | USD 30.00 |
| TutorPalz commission (20%) | USD 6.00 |
| Tutor earnings before other applicable adjustments | USD 24.00 |
12.3. The example is illustrative and does not represent a guaranteed booking or earning.
12.4. Actual earnings may be affected by lesson duration, refunds, qualifying cancellation charges, currency conversion, payment reversals or other disclosed adjustments.
12.5. TutorPalz shall provide tutors with reasonable access to relevant earnings and transaction records.
13. Tutor Earnings from Student Cancellations and No-Shows
13.1. Students may cancel or reschedule a confirmed paid lesson without a cancellation penalty by providing at least 48 hours’ notice.
13.2. Cancellations made less than 48 hours before the lesson may incur a charge of up to 50% of the scheduled lesson fee, where properly disclosed and lawful.
13.3. A qualifying student no-show may result in a charge equal to 50% of the scheduled lesson fee where the tutor joins on time and waits at least 10 minutes.
13.4. A late-cancellation charge and a no-show charge shall not both apply to the same lesson.
13.5. Any tutor payment arising from a qualifying late cancellation or student no-show shall follow the published tutor remuneration schedule.
13.6. The percentage of a cancellation or no-show charge payable to the tutor must be disclosed before it is applied to the tutor’s earnings.
13.7. TutorPalz may waive or reduce charges in verified emergencies or other exceptional circumstances.
13.8. Tutors must not independently collect cancellation or no-show charges from students.
14. Tutor Cancellations and Financial Adjustments
14.1. Tutors must honour confirmed lesson bookings.
14.2. Tutors should provide at least 48 hours’ notice when cancellation or rescheduling becomes necessary, wherever reasonably possible.
14.3. Where a tutor cancels or fails to deliver a lesson, the student shall not be charged for the undelivered service.
14.4. An unauthorised tutor cancellation or no-show may result in a penalty equal to 25% of the scheduled lesson fee, credited to the affected student’s TutorPalz account.
14.5. This student credit is separate from the student’s refund or replacement entitlement for the undelivered lesson.
14.6. Any deduction from tutor earnings must be consistent with the Tutor Terms & Conditions and applicable law.
14.7. TutorPalz may waive penalties for verified emergencies or circumstances beyond the tutor’s reasonable control.
14.8. Tutors may request review of disputed penalties or earnings adjustments.
15. Staged Tutor Payouts
15.1. TutorPalz may release tutor earnings in stages to support payment verification, service delivery and fair dispute handling.
15.2. For the initial four-lesson package, eligible tutor payouts may be released following verification of the second, third and fourth completed lessons.
15.3. The exact payout percentages and release conditions shall be disclosed in the applicable tutor payout schedule.
15.4. Continuing package payouts shall follow the published settlement arrangements.
15.5. TutorPalz shall not impose undisclosed payout deductions.
15.6. TutorPalz may temporarily withhold genuinely disputed amounts where reasonably necessary to investigate payment, refund or service delivery concerns.
15.7. Undisputed eligible tutor earnings shall not be unreasonably withheld.
15.8. Tutors must provide accurate payout details and complete necessary verification.
16. Tutor Withdrawals
16.1. Tutors may request withdrawal of eligible available earnings through the approved TutorPalz process.
16.2. TutorPalz’s withdrawal charge structure is:
| Withdrawal Amount | TutorPalz Charge |
|---|---|
| USD 80 or more | No TutorPalz withdrawal charge |
| Below USD 80 | 4% of the withdrawal amount |
16.3. The 4% charge applies to the eligible withdrawal amount where applicable.
16.4. Banks, payment providers and international transfer intermediaries may impose additional charges.
16.5. Applicable third-party charges and currency conversion arrangements shall be disclosed where known and reasonably practicable.
16.6. Tutors must provide accurate payment account information.
16.7. Withdrawals may be subject to identity verification, fraud prevention checks and payment-provider requirements.
16.8. TutorPalz does not guarantee that every payout method is available in every country.
16.9. Actual transfer times depend on the selected provider, destination country and applicable banking arrangements.
17. Currency Conversion and International Payments
17.1. TutorPalz serves an international community of students and educators.
17.2. Payments and payouts may involve currency conversion.
17.3. The exchange rate used may be determined by the applicable payment provider or financial institution.
17.4. Currency conversion charges may apply.
17.5. Where reasonably practicable, the applicable exchange rate or conversion arrangement shall be displayed before transaction confirmation.
17.6. TutorPalz is not responsible for exchange rate changes occurring after a transaction is completed, except where otherwise required by law or caused by TutorPalz’s own error.
17.7. Users are responsible for any applicable charges imposed by their own banks or financial institutions, subject to applicable law and prior disclosure requirements.
18. Taxes and Financial Obligations
18.1. Tuition fees and platform commissions may be subject to applicable taxes.
18.2. TutorPalz shall charge, collect and account for taxes where required by applicable law.
18.3. Any applicable taxes payable by students shall be disclosed at checkout as required by law.
18.4. Tutors are responsible for their own income tax reporting and other applicable professional tax obligations.
18.5. TutorPalz may request tax-related information where reasonably necessary for compliance.
18.6. TutorPalz may issue appropriate invoices, receipts or transaction statements where required.
18.7. Tutors should obtain independent tax advice where necessary.
19. Student Refunds
19.1. Student refunds are governed by the Refund, Cancellation & Rescheduling Policy.
19.2. Refund eligibility may arise from:
- Tutor cancellation or non-delivery.
- Verified platform failures.
- Approved package cancellations.
- Duplicate or erroneous payments.
- Other circumstances requiring refunds under applicable law.
19.3. Where some lessons have been properly delivered, the refundable amount shall ordinarily be calculated by deducting the value of delivered lessons and valid, disclosed charges from the amount paid.
19.4. Package expiry shall not automatically result in forfeiture of all unused prepaid tuition fees.
19.5. Approved monetary refunds shall be initiated within seven Singapore business days after approval and completion of necessary verification.
19.6. Actual receipt of funds may take longer depending on the payment provider or bank.
19.7. Refunds shall ordinarily be returned to the original payment method where practicable.
19.8. TutorPalz shall not impose undisclosed refund processing charges.
19.9. Where applicable law requires a shorter period or stronger refund protection, that requirement shall prevail.
20. Tuition Credits
20.1. TutorPalz may issue tuition credits for approved cancellations, service disruptions, tutor cancellation penalties, promotions or other eligible circumstances.
20.2. Credits may be used towards eligible future tuition bookings.
20.3. The value, validity period and applicable restrictions shall be disclosed when credits are issued.
20.4. Promotional credits may be subject to different conditions from credits representing prepaid tuition value.
20.5. Tuition credits shall not replace a legally required monetary refund without the customer’s valid agreement.
20.6. Credits are not transferable or redeemable for cash unless expressly permitted or required by law.
21. Package Extensions and Unused Lesson Balances
21.1. The initial four-lesson package should ordinarily be completed within 40 calendar days from the first scheduled lesson.
21.2. Continuing three-lesson packages should ordinarily be completed within 20 calendar days from the first scheduled lesson.
21.3. Where lessons remain unused because of student inactivity, the student may request one free 14-calendar-day extension per package.
21.4. Extension requests must be submitted before the original package expires or within seven calendar days after expiry.
21.5. The extension begins on the day following the original package expiry date.
21.6. No TutorPalz extension fee shall apply to the one-time extension.
21.7. Where lessons remain unused after the extension, TutorPalz shall review the remaining prepaid value under the disclosed cancellation terms and applicable law.
21.8. Undelivered lessons shall not automatically be classified as completed or forfeited solely because the package period has expired.
21.9. Additional extensions may be approved for verified emergencies, tutor unavailability or platform failures.
22. Failed, Pending and Duplicate Payments
22.1. A payment may fail or remain pending because of insufficient funds, payment-provider restrictions, incorrect information, verification requirements or technical problems.
22.2. A pending payment does not necessarily mean that the booking has been confirmed.
22.3. Customers should verify payment status before attempting repeated payment.
22.4. TutorPalz shall investigate reported duplicate charges and arrange appropriate correction or refund.
22.5. TutorPalz may request transaction references or other reasonable evidence.
22.6. TutorPalz shall not intentionally collect payment more than once for the same confirmed transaction.
23. Payment Disputes and Chargebacks
23.1. Students, parents and tutors should report billing errors or disputed transactions promptly.
23.2. TutorPalz shall review payment complaints fairly.
23.3. Customers retain applicable rights to dispute transactions with their bank or payment provider.
23.4. TutorPalz may provide relevant booking, attendance and payment evidence when responding to a chargeback.
23.5. Tutor earnings may be adjusted where a valid chargeback or refund affects an eligible transaction.
23.6. TutorPalz shall take reasonable steps to prevent duplicate refunds for the same transaction.
23.7. Fraudulent claims or deliberate payment abuse may result in proportionate account restrictions.
23.8. Legitimate payment disputes and good-faith consumer complaints shall not automatically result in penalties.
24. Fraud Prevention and Account Verification
24.1. TutorPalz may use reasonable fraud prevention and payment verification measures.
24.2. Users must not:
- Use stolen or unauthorised payment methods.
- Submit false billing information.
- Manipulate bookings to avoid platform commission.
- Create fraudulent transactions or referrals.
- Misrepresent lesson completion.
- Attempt unauthorised access to financial information.
24.3. TutorPalz may temporarily restrict suspicious transactions or payment activity while conducting a reasonable review.
24.4. Where appropriate, TutorPalz may request identity or transaction verification.
24.5. Verification information shall be processed according to the Privacy Policy and applicable law.
24.6. TutorPalz may cooperate with authorised payment providers and relevant authorities where legally required.
25. Billing Complaints and Resolution
25.1. Users may submit complaints concerning tuition charges, commission deductions, withdrawal fees, refunds, payout delays or payment discrepancies.
25.2. Complaints should be submitted through TutorPalz’s official support channel.
25.3. Users should provide the relevant booking or transaction reference and a description of the issue.
25.4. TutorPalz may request reasonable supporting information.
25.5. TutorPalz shall investigate complaints fairly and communicate the outcome.
25.6. Where an error is identified, TutorPalz shall make an appropriate correction.
25.7. Users retain applicable external complaint, payment dispute and legal remedies.
26. Payment Information and Privacy
26.1. TutorPalz processes payment-related personal information for legitimate billing, transaction administration, fraud prevention and compliance purposes.
26.2. Payment information may be shared with authorised payment providers and other necessary service providers.
26.3. TutorPalz shall not sell users’ payment credentials.
26.4. Payment information shall be handled according to the Privacy Policy and applicable data protection requirements.
26.5. TutorPalz may retain transaction records for lawful accounting, regulatory, tax and dispute resolution purposes.
26.6. Users may exercise applicable data protection rights through the published privacy procedures.
27. Future Paid Resources, Courses and Workshops
27.1. TutorPalz may introduce paid educational resources, recorded courses, workshops and other educational services in the future.
27.2. Such services shall not be treated as available for purchase until TutorPalz activates the relevant payment and fulfilment arrangements.
27.3. Creator revenue shares, commissions, settlement schedules and refund conditions shall be published before paid transactions commence.
27.4. Any future creator revenue-sharing programme shall be governed by the applicable separate agreement.
27.5. The tuition commission rates in this Policy do not automatically apply to future educational resource or course sales.
28. Changes to Payment and Billing Terms
28.1. TutorPalz may update this Policy to reflect operational, regulatory, payment-provider or service changes.
28.2. Material changes affecting tuition charges, commissions, withdrawal fees, refunds or payout conditions shall be communicated appropriately.
28.3. Changes shall not retrospectively alter completed transactions or accrued contractual rights contrary to applicable law.
28.4. Where required, users shall be asked to accept revised terms before continuing affected services.
28.5. The current version shall be published on TutorPalz.com.
29. Governing Law and Jurisdiction
29.1. This Policy shall be governed by the laws of Singapore.
29.2. The parties should first attempt to resolve disputes through good-faith communication.
29.3. Where a dispute cannot be resolved informally, the parties may pursue available legal remedies before the competent courts of Singapore.
29.4. Nothing in this Policy excludes mandatory consumer protection rights or other legal protections applicable in relevant jurisdictions.
30. Contact Information
For payment, billing, tutor earnings, withdrawals, refunds or transaction enquiries, contact:
TutorPalz Support
Website: www.tutorpalz.com
Email: admin@tutorpalz.com
Please include the relevant booking reference, transaction date, payment amount and a brief description of the issue.
TutorPalz – Learn. Share. Grow.
Operated by Agricana Pte. Ltd.
Singapore
© 2026 TutorPalz. All rights reserved.
End of Policy