Refund & Cancellation Policy

How billing works

• Paid enrollment is billed monthly in advance. Your monthly fee is due on the first day of each month and covers the calendar month of your program. There are no per-class charges.
• You pay in cash at the studio or by Interac e-Transfer to topazartacademy@gmail.com. We do not take debit or credit cards, and we never ask for card or banking credentials — the e-Transfer moves from your own bank account directly to ours.
• Every payment is confirmed with a receipt by email. Your enrollment is also confirmed in writing by email (the current Terms, your program, and your fee) — please keep that record.

The free trial class

• The trial is free — no payment of any kind is taken for it, so there is nothing to refund.
• Each student may take one free trial, one time.
• Please let us know at least 24 hours before a booked trial if you can't make it, so we can offer the spot to another student. This is a courtesy, not a charge.
• If a student misses two or more booked trials, we may require paid enrollment before booking further trials.

Your monthly enrollment

• To stop next month's charge: cancel by 5 p.m. on the last day of the current month (before the next month's first). Tell us by email, by phone, or through your booking portal, and we will confirm in writing that you will not be billed again.
• Within the month: the fee covers the whole month, and once the month has started it is not refundable — your classes have taken place. (Section 7 lists the statutory rights that override this, and they always do.)
• Rescheduling: you may reschedule any class within your enrolled month, subject to availability in another session of your program. Please let us know at least 24 hours ahead.
• Missing a class: if you miss a class, or cancel late, you may attend one alternative session of the same program as a make-up, subject to availability, at no extra charge. Beyond that, the missed session is not made up. Since you have already paid for the month, no further charge is made — and no refund is issued for a missed session.
• Enrollment is personal. Your spot can't be handed to another student, though we'll gladly help if your schedule changes.

Pausing your enrollment

• If you're ill, traveling, or need a break, you may pause your enrollment for up to one full calendar month.
• To pause, let us know by 5 p.m. on the last day of the current month. We won't bill you for the paused month, and your enrollment resumes the following month. We'll confirm the pause and your return in writing.
• Longer pauses are discussed case by case — we'll work with you, but the standing offer is one month.

When we cancel

• If we must cancel a scheduled class (weather, facility, instructor illness), the choice is yours: a new time, an equivalent class, or a refund for the part you didn't get.
• If we can't deliver the month you've paid for at all — for example, an extended closure — you receive a full refund of that month.
• Minimum enrollment: if a class doesn't reach its minimum enrollment and can't run as scheduled, you may choose to move into an alternative class or receive a full refund for the affected sessions.

How and when you get paid back

• Where we owe you a refund (a class we cancelled, a minimum enrollment that failed, or a statutory right in Section 7), we process it within 30 calendar days.
• Refunds return by the same method you paid: cash at the studio, or Interac e-Transfer back to the account you paid from. There is no refund fee, and no processing deductions.
• If the original method is no longer available (for example, a closed bank account), we'll arrange an alternative by agreement — such as a credit toward a future month.

Your statutory rights

• This policy is a floor, not a ceiling. Under the Ontario Consumer Protection Act, 2002, certain rights can't be taken away by any agreement, and they continue to apply on top of everything above:
• 10-day cooling-off. If you enter a paid enrollment away from our studio (by phone, online, or other off-site means) for a program costing more than $50, you may rescind the agreement within 10 calendar days of entering into it — even if the month has already begun. Tell us and we'll refund in full.
• One-year rescission for unfair practices. If we engage in an unfair practice or a misrepresentation in connection with your enrollment, you may rescind within one year.
• Written contracts. Consumer agreements over $50 must be in writing — your emailed enrollment confirmation and receipt are that writing.
• No provision of this policy limits those rights. Where any provision of this policy conflicts with a statute that applies to you, the statute wins.

Questions