Terms & Conditions | St George Institute of Studies

1. Payment should be made by cash, cheque or credit card (Visa or Master Card), when the enrolling student is in Australia, before the commencement of the course. Where students are enrolling from outside Australia, payment should be made by credit card, bank transfer, bank cheque or international money postal order. Students are responsible for paying all bank and exchange fees. A 3% surcharge will incur on all payments made by credit card. Cheques should be made payable to “SINCERITY INTERNATIONAL GROUP PTY LTD”.

2. St. George Institute of Studies has the right to alter the published schedule and teacher at short notice.

3. St. George Institute of Studies provides an Equal Opportunity Environment, including anti-discrimination and harassment policies. Students are obliged to uphold college policy.

St. George Institute of Studies reserves the right to expel students in breach of college policy. In case of expulsion, fees will not be refunde

4. Any materials published by St. George (including promotional material, course outlines, guides and other course information) are subject to copyright laws and as such may not be copied or distributed without prior authorisation from St. George. If copyright laws are breached in any way, the matter will be settled in court.

5. Students taking holidays during course must give at least two weeks notice.

Holidays may be taken with less than two week’s notice only in the case of serious ill health or family emergency. Please apply in writing, and wherever possible, supply written documentation as proof.

6. Students agree to the use of their name and/or image for possible use in education related marketing and promotional materials.

7. Information about the student’s enrolment will be made available to Commonwealth & State agencies and the Fund Manager of the ESOS Assurance Fund.

Indemnity Declaration

1. St. George (including staff and representatives), shall not be held liable for any loss, or damage to property, or for injury to, or death of, a student or students.

2. St. George reserves the right to use its discretion to seek medical services for its students where it is essential. In such cases, the student or student’s parent(s) shall meet any costs incurred.

3. Where St. George has been obliged to incur costs on behalf of the student, the consent to the incurring of such cost is deemed to be given and such costs shall be repaid to St. George by the parent(s) on demand.

4. The student(s) and parent(s) shall indemnify and keep indemnified St. George from and against all claims, demands, writs, summons, actions, suits, proceedings, judgements, orders, decrees, costs, losses and expenses of any nature whatsoever which St. George may suffer or incur or become liable to suffer or incur in connection with loss of life, personal injury and/or damage to persons or property of any nature arising directly or indirectly from enrolment and attendance by the student(s) at St. George.

Cancellation and Refund Policy

Policy

Course and fee information will be made available to clients prior to enrolment.

• The Application Fee: is non refundable.

• Course Fees: must be paid prior to commencement of the course to confirm the place.

• Additional Charges: Course fees are the main cost to a student. The institute supplies notes and exercises. Students are expected to purchase textbooks and normal classroom supplies such as folder, pens, and calculator. The textbooks may cost from $300 to $400 per annum depending on the course.

• The administration charge is $30 for dishonoured cheques, late fee payments etc.

• Optional fees are shown in the Courses and Fees table and on the website.

Refund Policy

St. George’s refund policy applies to both commencing and re-enrolling students.

The institute’s policy on the refund of fees for overseas students has been determined in accordance with the Education Services for Overseas Student Act 2000 (ESOS Act 2000) and the Education Services for Overseas Student Regulations 2001 (ESOS Regulations 2001). This policy applies to all students irrespective of who pays the fees.

The initial application fee is not refundable.

Refund Conditions:

Definitions: There are two terms that affect the calculation and processing of refund.

Provider (the Institute) Default

This occurs when:

The course does not begin on the agreed commencement date and an alternate date or course is not available or acceptable to the student’s circumstances, or

The course ceases to be provided at any time after it commences but before it is completed, or

In the unlikely event that the course is not provided in full to the student because of a government directive or sanction imposed on the registered provider.

Student Default

This occurs when the student indicates they are not going to commence or continue in the course and/or when the provider refuses to provide or continue providing a course to the student.

Circumstances:

The student application for a visa is not granted;

The student does not commence the course on the agreed start date;

The student withdraws or cancels their enrolment in the course;

The student fails to pay fees due to the institute in order to undertake or continue in the course;

The student breaches a condition of the student visa;

The student’s enrolment is terminated by the institute due to a serious breach of policy and institute rules.

REFUND OF COURSE FEE including FULL REFUND OF TUITION FEE: A refund will be granted under the following circumstances:

In the unlikely event that the institute is unable to provide the course for which an offer has been made. An alternate offer of place may be offered at no extra cost to the student as well as the refund option.

In these circumstances the institute will calculate and make payment of the refund and supply a letter explaining the refund calculation within 2 weeks of the institute decision or the refund amount will include:

100% of the tuition fee,

100% of any money paid to the institute or private health insurance on behalf of the medical insurance provider (OSHC) and

80% of any optional fees paid by the student as set out in the offer letter.

The application fee is non-refundable.

An offer of place in a course is withdrawn by St. George before the course commences.

PARTIAL REFUND OF TUITION FEE: The following conditions are student default. The amount of partial refund is determined as follows:

Request is more than or on 28 days before your initial course commencement.

Refund is 90% of tuition fees for that course.

Request is 28 days or less before your initial course commencement.

Refund is 80% fees of tuition fees for that term.

If a student withdraws from a course during the first 2 teaching weeks.

The student will not be eligible for a refund for the fees for that term.

If a students withdraws from the course for whatever reason after the second (2nd) teaching week in the term.

The student will not be eligible for a refund for the fees for that term.

Withdrawal from a course on illness and compassionate grounds.

Refund will be decided on a case by case basis.

If the Institute has paid an amount to a representative in relation to recruitment, the refund will be further reduced by that amount.

An onshore international student is not granted an extension to his/her student visa.

Refund of tuition fee as above provided there is proof of refusal from the Australian government.

* Internal note: Agents fees are paid after week 4 commencement of the course. Therefore there is no refund on agents fees paid if a student withdraws from a course at week 4.

NO REFUND

Falsified documents or intentionally misleading information on application forms that have influenced the decision to offer a place in a course.

The student’s place in the course is reassessed and may lead to cancellation of the enrolment. Automatically disqualifies from any refunds.

Student is terminated due to serious breach of the institute policy and rules and/or a breach of visa conditions including non-attendance or unsatisfactory progress.

No refund.

Student defers enrolment and commencement date.

Tuition fees will be held by the institute until course commencement date.

Student leaves the course and institute and does not notify the institute or formally cancel the enrolment in the institute.

Automatically disqualifies you from any refunds and the institute will invoice the student for the balance of fees owing.

How the student can claim a REFUND

Provider default:

• Where the refund is triggered due to the institute “default” situations, the institute will initiate the refund processing from the date of the decision and notify the student within 2 weeks (10 working days) of the decision.

• A refund letter with calculations showing fees to be paid is sent to the student.

• The payment is processed within a maximum of 4 weeks (20 working days) from the date on the refund calculation letter.

Student default or withdrawal:

• To claim any refund, the student must complete a Refund Application Form and return it with the receipt of course fees and certified copies of any supporting documents (such as Visa rejection letter, etc.) to the institute.

• The institute will respond in writing to the refund request with an explanation of the students’ current financial status and calculations showing refund tuition and textbook fees any refund on OSHC fees less any amounts paid to agents. The refund calculation will be sent within 2 weeks (10 working days) from the receipt of the Refund Application form and documents required as evidence.

• The payment is processed out of the institute account within a maximum of 4 weeks (20 working days) from the date on the refund calculation letter.

• The refund will be paid in Australian dollars.

The refund policy does not remove the student’s right to appeal the refund decision or calculation made by the institute according to the complaints and appeals policy. The student is informed that he has the right to take action under Australian Consumer protection laws.

Insurance funds that protect students in the case of the Institute closing down.

Tuition Assurance Scheme and ESOS Assurance Fund

Under legislation, international students’ rights and fees are protected. We are obliged to explain that if St. George is unable to provide a refund or place a student in an alternative course, the institute has insurance to protect students’ fees. This is called the Tuition Assurance Scheme (TAS). St. George is a member of ACPET and has the ACPET OSTAS insurance. In a provider default circumstance, the ACPET fund will endeavour to place the student in a suitable alternative course at another institute at no extra cost to the student.

There is further protection for international students. If ACPET OSTAS cannot place the student in a suitable alternative course, the ESOS Assurance Fund Manager will attempt to locate a suitable alternative course or, if this is not possible, the student will be eligible for a refund as calculated by the Fund Manager.

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