Effective Date: 24 September, 2026

This Refund and Cancellation Policy (“Policy”) applies to all members, customers, and users of services provided by NTG Fight & Fitness Singapore (“the Company”), a brand operated by Ayur Sports Management Pte. Ltd., located at 491B River Valley Road, #02-01, Singapore 248373.

By purchasing a membership, package, class, or any service from us, you acknowledge that you have read, understood, and agreed to the terms of this Policy.

1. General Refund Policy
   1. All payments made for memberships, classes, packages, programs, merchandise and other services are strictly non-refundable unless otherwise stated in this Policy or required under applicable Singapore law.
   2. Refund requests will only be considered under exceptional circumstances and are subject to supporting documentation, verification, management approval and administrative processing.
   3. Any refund, once approved, shall be made within 14 to 30 working days.
   4. The Company reserves the right to reject any refund request that does not satisfy the conditions set out in this Policy.
2. Non-Refundable Services
   The following payments and services are strictly non-refundable:
   1. One-time class passes or drop-in sessions
   2. Personal training sessions that have been scheduled and/or utilised
   3. Merchandise, apparel, equipment or retail items purchased from the facility
   4. Registration fees, booking fees, convenience fees, payment processing fees, or platform charges (where applicable; and)
   5. Missed classes, appointments, or sessions resulting from personal scheduling conflicts, lateness, no-shows, or failure to attend

No refunds, credits, or extensions will be provided for unused services except where expressly stated in this Policy.

1. Automatic Renewal and Membership Charges

Memberships that are subject to automatic renewal will renew for the applicable renewal term on the renewal date using the payment method on file, unless the membership is cancelled in accordance with the applicable cancellation terms before the renewal date.

Once an automatic renewal payment has been processed, the renewal charge is non-refundable, and no refunds, credits, or extensions will be provided for any unused portion of the renewed membership term, including where the member subsequently chooses not to use the membership or requests cancellation after the renewal has occurred.

Members are responsible for reviewing their membership renewal date and ensuring that any cancellation request is submitted as soon as possible. Cancellation of a membership after an automatic renewal payment has been processed will generally take effect at the end of the renewed membership term and will not entitle the member to a refund of the renewal charge, except where expressly stated in this Policy or required by applicable law.

1. Refund Eligibility for Memberships and Packages
   Refund requests for memberships and training packages will only be considered under the limited circumstances set out below and are subject to supporting documentation, verification and management approval:
   1. Medical Inability to Continue Training
      Where a member is medically unfit to continue training and provides a valid medical certificate or supporting documentation issued by a licensed medical practitioner indicating they are medically unfit to continue training:
      1. A partial refund may be granted for the unused portion of the membership or package, less an administrative fee of SGD 100; or
      2. At the discretion of the Company, the unused value may be converted into training credits valid for up to 6 months from the date of approval.

The Company reserves the right to request additional supporting documentation where reasonably necessary.

1. Permanent Relocation Outside Singapore
   Where a member permanently relocates outside Singapore and provides reasonably documentary proof (including but not limited to employment relocation documents, long-term visa approvals, or relocation confirmations):
   1. A partial refund may be granted for the unused portion of the membership, subject to an early termination and administrative fee of SGD 100.

Temporary travel, short-term work assignments, or changes in personal schedule will not qualify for refunds under this clause.

1. Duplicate Transactions or Billing Errors
   Where a duplicate transaction, overcharge, or billing error is verified by the Company::
   1. The excess amount paid will be refunded using the original payment method where reasonably practicable.
2. Approved refunds for billing errors will generally be processed within 14 business days following verification.

1. Cancellations of Scheduled Classes and Personal Training Sessions
   1. Member-Initiated Class Cancellations
      1. Members may cancel scheduled classes through the designated booking platform or mobile application no later than 24 hours before the scheduled class start time.
      2. Cancellations made less than 24 hours before the scheduled start time, as well as no-shows or failure to attend, will result in the class or session being deemed utilised and deducted accordingly from the applicable membership or package.
      3. No refunds, credits, transfers, or extensions will be provided for missed or unused sessions arising from late cancellations or non-attendance.
   2. Personal Training Sessions
      1. Sessions must be cancelled or rescheduled at least 24 hours in advance.
      2. Any cancellation or rescheduling request made within 24 hours of the scheduled session time may result in the session being charged, forfeited or deducted from the applicable package at the discretion of the Company.

The Company reserves the right to modify class schedules, instructors and programs where necessary.

1. Membership Pausing and Deferral (Travel or Medical Reasons)
   Members may request a temporary pause or deferral of their membership due to travel, medical reasons, or injury, subject to the following conditions:
   1. The travel or recovery period must exceed three consecutive weeks.
   2. A written request must be submitted via email to  hello@ntgfightsg.com at least 7 days prior to the intended pause start date.
   3. Supporting documentation must be provided, including but not limited to flight tickets, travel confirmations, medical certificates, or written medical advice recommending abstention from physical training.
   4. Membership pauses are subject to approval by the Company.
   5. The maximum cumulative pause period permitted is  6 weeks per calendar year.
   6. Approved paused days will be added to the end date of the active membership term.
   7. Pausing the membership is not a refund substitute.

Membership pauses or deferrals are granted solely as a goodwill accommodation and shall not entitle the member to any refund, cash reimbursement, credit conversion, or transfer of unused membership value.

1. Workshop, Event and Seminar Bookings
   1. All registrations and payments for workshops, seminars, competitions, guest instructor sessions and special event bookings are non-refundable once confirmation has been issued, except where the event is cancelled by the Company.
   2. Where an event is postponed or rescheduled, registration and payments will automatically be transferred to the revised event date.
   3. If the Company cancels an event for operational or other internal reasons and is unable to provide a suitable replacement date, affected participants will be offered either:
      1. a full refund of the amount paid; or 
      2. account credit of equivalent value for future use.

The Company reserves the right to amend event schedule, instructors, venues, or program details where reasonably necessary.

1. Refund Processing Timeline
   Once a refund request has been reviewed and approved by the Company:
   1. Refund processing may take approximately 14 to 30 business days depending on the payment provider and financial institution involved; and
   2. Any applicable administrative, processing, cancellation, or outstanding fees will be deducted prior to the issuance of the refund.

Refunds will generally be processed using the original payment method where reasonably practicable.

1. Dispute Resolution
   In the event of any billing issue, payment discrepancy, or dissatisfaction relating to our services, members are encouraged to contact the Company directly before initiating any chargeback or formal dispute process.

Members may contact our customer support team via:

1. Email: hello@ntgfightsg.com
2. Telephone: +65 9883 9072

To facilitate prompt review, members should provide relevant supporting information, including: 

1. Full name and membership details;
2. Payment receipt or transaction reference;
3. Membership ID or package information; and
4. A description of the issue or dispute.

The Company will make reasonable efforts to acknowledge and respond to dispute enquiries within 5–7 business days.

1. Modifications to the Policy
   The Company reserves the right to amend, modify, update, or revise this Refund and Cancellation Policy from time to time at its sole discretion. 

Any updated version of this Policy will be published on the Company’s official website and shall take effect from the date of publication unless otherwise stated.

Continued use of the Company’s services following any such update constitutes acceptance of the revised Policy.

1. Contact Information
   For any enquiries relating to refunds, cancellations, membership matters, or this Policy, please contact:
   NTG Fight & Fitness Singapore
   Email: hello@ntgfightsg.com
   Phone: +65 9883 9072
   Address: 491B River Valley Road, #02-01, Singapore 248373

The Company will make reasonable efforts to respond to all enquiries in a timely manner.