1. Payment Policy

All programme fees must be paid in accordance with the payment instructions and deadlines communicated by M-GIBES & Honor Crest Institute Enrolment is confirmed only after the required payment has been received and verified.

2. Non-Refundable Payments

All payments made towards a programme are strictly non-refundable. Once payment has been made, participants are not entitled to a refund, whether they choose to withdraw, discontinue, or are unable to attend or participate in the programme for any reason.

3. Deferral Policy

Where a student or participant is unable to commence, resume or attend a programme after making payment, they may be deferred to the next available session of the same programme.

Deferral is subject to the following conditions:

• The participant must notify the programme administration as soon as they become aware that they cannot attend or resume.
• The payment made will be carried forward and applied to the next available session.
• Deferrals are subject to the availability and scheduling of the programme.
• A deferral does not entitle the participant to a refund or transfer of payment to another individual or programme without prior written approval.

4. Academic Session Schedule

Academic programmes operate across four sessions each calendar year, providing participants with four opportunities to commence or resume their studies annually.

A participant deferred from a particular session will be scheduled for the next upcoming session, subject to programme availability and administrative confirmation.

5. Acceptance of Terms

By completing registration and making payment, students and participants acknowledge that they have read, understood and agreed to these Payment & Refund Terms.