Refund and Cancelation Policy

Last updated: 01 September 2026

This Refund Policy explains how refunds work for subscriptions to PhiliaSense (the “App”), provided by PhiliaHealth Pte Ltd. (“we”, “us”, or “our”). It forms part of, and should be read together with, our Terms and Conditions at https://philiasense.com/termsandconditions.

Subscriptions to the App are purchased and managed directly through us (via our payment provider, Stripe), not through the Apple App Store or Google Play Store. As a result, all billing, cancellations, and refunds are handled by us directly under this Policy, and App Store refund processes do not apply.

We offer a 30-day money-back guarantee on your initial annual subscription purchase. If you are not satisfied with the App for any reason, you may request a full refund within 30 days of the date of that initial purchase.

• The guarantee applies to your first annual subscription payment.
• If we approve your request, you will receive a full refund of the amount paid for that subscription term.
• Your access to paid features will end once the refund is processed.

Your annual subscription automatically renews at the end of each subscription term unless you cancel before the renewal date (see Section 5).

The 30-day money-back guarantee applies to your initial purchase only. Renewal payments are non-refundable, except where a refund is required under applicable law (see Section 8). To avoid being charged for a renewal, cancel before your renewal date — you will keep access until the end of the term already paid for. We will send you a reminder one month and one week before your renewal date.  We will endeavour to give you a one-week grace period for cancelation after your renewal date.

To request a refund under the 30-day guarantee, contact us at support@philiahealth.co and include:

• the email address associated with your account;
• the date of purchase; and
• (optionally) the reason for your request, which helps us improve the App.

We aim to acknowledge refund requests within 2 business days and to process approved refunds within 5–10 business days. Refunds are issued to the original payment method. The time it takes for the funds to appear depends on your bank or card provider.

You can cancel your subscription at any time by emailing support@philiahealth.co .

• Cancelling stops future automatic renewals.
• Unless you are within the 30-day guarantee window (or a refund is otherwise required by law), cancelling does not by itself trigger a refund for the current term — you retain access until the end of the period you have already paid for. However, we will endeavour to give you a one-week grace period for cancelation after your renewal date.

To keep the guarantee fair, the following limits apply:

• The 30-day guarantee is available once per customer and applies to the initial subscription term.
• We may decline a refund request that we reasonably believe is made in bad faith, is abusive, or results from a breach of our Terms and Conditions.
• Refunds are calculated on amounts actually paid and exclude any third-party charges (for example, currency-conversion or bank fees) that we do not control.

Except where a refund is required under applicable law, we do not provide refunds:

• for renewal terms after the initial 30-day guarantee period;
• where a request is made after the 30-day window for the initial term; or
• where access has been suspended or terminated due to a breach of our Terms and Conditions.

Nothing in this Policy limits or excludes any refund, cancellation, or other right you have that cannot be excluded or limited under the mandatory consumer-protection laws of the country or state in which you reside. Where such laws apply, they prevail over this Policy to the extent of any conflict. This Policy’s guarantee is offered in addition to, and does not replace, those rights.

We may update this Refund Policy from time to time. We will post the updated version at [REFUND POLICY URL] and update the “Last updated” date above. Changes apply to purchases made after the updated Policy takes effect, except where applicable law requires otherwise.

Questions about this Refund Policy or a specific request:

PhiliaHealth Pte Ltd UEN 202537637W

Email: support@philiahealth.co