TERMS & CONDITIONS Hello and welcome to 10Alytics! We are dedicated to giving you the greatest learning experience possible, and we want to make sure you are aware of all the terms and conditions that come with taking part in our program. As a participant in our training program, please update yourself on the policies and procedures outlined in this document. Please carefully read and comprehend these terms and conditions before starting your training. By participating in our training program, you agree to abide by these terms and conditions, and we expect that you will do so respectfully and professionally. We look forward to working with you and helping you to achieve your goals. Our goal at 10Alytics is to offer each and every one of our students top-notch training services. But we acknowledge that there are situations when a refund/deferment may be necessary due to unforeseen circumstances that may prevent an individual from attending a scheduled training program. A. Removal/Access Restriction Policy for 10Alytics Participants in any of the training programs will be discontinued from taking part in any of the cohort trainings and access restricted under the following circumstances: Instalment Payment: All instalment agreements must be honoured. All participants must make instalment payments on or before their agreed instalment date. If you are unable to meet the agreed date is impaired, you must email accounts@10alytics.io to agree on a payment compromise. However, the finance team must receive this email before the instalment date to consider it. Failure to make Instalment Payment: Failure to pay on or before the monthly final instalment date will flag your profile for immediate removal. A grace period of seven (7) days will be provided from the monthly final instalment date. After that, 10Alytics will remove said participants from all 10Alytics platforms. Attendance: Students are expected to attend all sessions of the training program. Attendance is solely the responsibility of the participants and not 10Alytics. If a student misses a session, they will be required to make up the material covered in that session before continuing with the program. If a participant misses multiple sessions without a valid reason, they will be removed from the program WITHOUT a Refund. Only access to training materials will be provided. Conduct: Students are expected to conduct themselves professionally and respectfully at all times during the training program. If a student engages in disruptive or disrespectful behaviour, they may be given a warning. If the behaviour continues, they will be removed from the program without refund. B. Program Switching Policy for 10Alytics This section aims to maintain the integrity of the training programmes while allowing students to make informed decisions about their career paths.: Once a student has enrolled in a training programme, they may request to switch to another programme within the same cohort ONLY once during their training period at the firm. Students must complete the 10Alytics Switching Form at least 10 business days before the training programme starts, but no later than 2 weeks into the training programme. Switching programmes may ONLY occur within the same cohort and must take place before two weeks into the training programme. 10Alytics reserves the right to deny a request to switch programmes based on factors such as limited availability of spaces or insufficient qualifications of the student (such as exceeding the switching limit of one). Students who have switched programmes are NOT eligible to switch back to their original programme. Any subsequent switch requests will lead to a re-enrollment fee at the discretion of 10Alytics. Please send an email to accounts@10alytics.org. C. Refund Policy for 10Alytics We have devised the following refund policy to make sure that everything is done fairly and openly for parties involved: Cancellations made more than 7 days before the start of the training program will receive a full refund. Cancellations made less than 7 days before the start of the training program will receive a 75% refund. Cancellations made between 0-7 days after the start of the training program will receive a 50% refund. Cancellations made 7 days after the start of the training program, or for no-shows, will not be eligible for a refund. Refunds for training programs that have already started will be evaluated on a case-by-case basis and will be subject to a cancellation fee of 50% of the remaining training fees. 10Alytics is not liable for a participant's non-attendance; issue refunds for non-attendance. Participants have up to 2 weeks after the cohort begins to defer; otherwise, the payment already made is deemed utilised. If 10Alytics cancels a training program, clients will receive a full refund. Once the refund request has been received via email to 10Alytics accounts@10alytics.io and reviewed, our customer service team will process the refund within 7-10 business days. Training sessions that have been deferred/rescheduled by the participant, will not be eligible for a refund. Training sessions that have been attended in full but deemed unsatisfactory due to reasons beyond our control, such as participant technical difficulties or external disruptions, will not be eligible for a refund. Refunds issued will be less a 10% non-refundable fee. Each program coordinator must be informed of this, and requests for refunds must be submitted to 10Alytics via email at accounts@10alytics.io Refunds for payments made up to 1 month in advance of the curriculum are subject to a 50% cancellation fee, while payments made 2 months or more in advance are non-refundable. Kindly note that if you initiate a direct bank refund, you will be liable for any charge your bank initiates for this chargeback. D. Deferment Policy for 10Alytics This deferment policy has been created to provide participants with the opportunity to defer their enrollment in a training program for a future date. Deferment Criteria: The deferment of a training program enrollment may be approved under the following circumstances: Health reasons: In the event of a medical emergency or an illness, a participant may defer their enrollment to a future training program. A medical certificate or doctor’s note may be required as proof. Personal circumstances: Personal circumstances such as bereavement, family emergencies, or work-related issues may also be considered as valid reasons for deferment. Change in employment: If a participant’s employment changes and they are unable to attend the training program, they may defer their enrollment to a future training program. Procedure for Deferment: Request for deferment: Students must fill out the 10Alytics Deferment Form at least 10 business days before the start of the training program but not beyond 2 weeks into the training program. The request must include the reason for deferment and preferred dates for a future training program. Approval or rejection of deferment request: 10Alytics will review the request for deferment and will inform the participant of the decision within 7 business days. If 10Alytics approves the deferment request, it will provide the participant with a new enrollment date for a future training program. Limitation on deferment: Participants cannot defer more than 3 months in advance. Participants may defer their enrollment once only. Any further deferment requests will be considered on a case-by-case basis and may not be approved. Any deferment beyond 3 months or more than once will incur a re-enrollment fee. Re-enrollment fee: Participants who defer their enrollment more than once and/or more than 3 months in advance (up to 5 months) will be required to pay a re-enrollment fee equal to 30% of the current training program full fee for each additional re-enrollment. The participant must pay the re-enrollment fee before they can re-enrol in a future training program. Timeline: The 30% re-enrollment fee applies only within 5 months of initial enrollment. Any re-enrollment request for cohorts beyond 5 months will be treated as a new enrollment. E. Growth Internship Enrollment Policy for 10Alytics Internships after 10Alytics training are intended to be resumed immediately after completion of the Capstone Project. Because internships are performed within our sister company, Amdari Inc, all deferments for Amdari, not 10Alytics, will not handle deferments for Amdari, internships. Please get in touch with participant.relations@amdari.io for more information on deferments. F. Career Commitments & Fail-to-Place Refund Guarantee For programs & cohorts with a Fail-to-Place Refund Guarantee, it is strictly applicable only to the November cohort that paid during the October sale cycle from October 10th to November 6th, and requires strictly meeting all of the following conditions: 100% Attendance & Completion: Attendance at 90%+ of live sessions and 100% completion of all coursework, assignments, capstone projects, and assessments with a passing score by the end of the programme  Active Career Search: Submit at least 10 relevant job applications per week starting as soon as the cohort kicks off, with documented proof provided upon request. Career Coaching Participation: Full participation in all scheduled career coaching sessions, resume review meetings, mock interviews, and career workshops. Geographic & Legal Eligibility: Must hold valid legal authorisation to work in the target region/country without requiring employer sponsorship. Program Completion: Enrolled in a 10Alytics career track and graduated with a Certificate of Completion. Learners who withdraw or do not complete are not eligible. Fail-to-Place Cash Refund: 22% of your full tuition paid back directly if we don't land you 3 interviews; no money behind the promise (eligibility depends on the payment plan you opt-in for). AT THE END OF THE PROGRAMME G. 10Alytics References The training contract with 10Alytics participants becomes effective at the start of the cohort. References will be provided only after participants have completed one month of the program. Please email hr@10alytics.io for references. NOTE: All 10Alytics training program fees are tax-inclusive.   Conclusion This policy allows participants with the opportunity to defer their enrollment in a training program to a future date and request for a refund if life presents unexpected challenges. 10Alytics will review each deferment request on a case-by-case basis and will make a decision based on the information provided by the participant. This policy is subject to change at any time, and students will be notified of any changes in writing. If you have any questions or concerns about our policy, please do not hesitate to contact us. Thank you, 10Alytics Payments Team