Policies And Procedures

(See Note)

  • Message from MD
  • Mission Statement
  • Student Selection Procedure
  • Student Admission Procedure
  • Introduction to the Fee Protection Scheme (FPS)
  • Service Guarantees
  • Refund Policy
  • Refund Procedure
  • Transfer / Withdrawal / Policies
  • Transfer / Withdrawal / Procedures
  • Examination Appeal Procedure
  • Feedback and Complaints Management
  • Confidentiality and Security of Information
  • Student Pass Application Procedure
  • Miscellaneous Fees


  • Message from Managing Director

    We warmly welcome you to Cardiff Learning Centre.

    The Centre was established in 2005. It offers quality education programmes that are relevant to the industry's needs and global economy. We have tied up with EDI, UK that offers LCCI qualifications which is highly regarded for their business-related courses.

    Quality and excellence are the hallmark of our Centre. We believe in excellence both in the delivery of our programmes and the administration of our student services. We strive to constantly update and introduce courses to match the needs of the job market.

    Our management and staff are committed to go an extra mile in providing guidance, support, mentorship, student care and counselling during a student's journey of learning at our centre and beyond. We pay attention to the student's welfare by helping them to settle in and adjust to living in Singapore.

    We are committed to provide a high standard of service by promoting an environment conducive to student learning through a low teacher:student ratio of 1:16. We have one 16 seats classroom and the capacity of one student intake is up to 64 students. We have developed transparent redress policies that were disseminated to our students and conveyed in our communication channel in the student handbook, web site; to assure them that their welfare are also taken care of beside their study needs.

    Detailed information pertaining to course pre-requisites, fees, non-tuition and other miscellaneous charges, grievance procedures and other student requirements are covered in our student's handbook, supporting literature published from time to time.

    Our teachers and lecturers are selected based on their subject expertise, experience and dedication. We have 1 full-time support staff and 3 full-time graduate teachers, two of whom are MBA degree holders.

    We spare no efforts to provide what is best for our students in their thirst for knowledge and achievement of their ambitions.

    If you have any query, please feel free to contact us at 65 63893358. We will be glad to help you. I wish you success in your studies and an exciting and memorable stay in Singapore.
    Stephen Ng
    Managing Director

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    Mission Statement

    Through excellence in instruction, skill development and service, Cardiff Learning Centre is committed to providing quality education to prepare foreign students to become skillful and successful professionals that lead lives of personal integrity and civic responsibility in the society.

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    Student Selection Procedure

    Every student who applies personally seeking admission to Cardiff Learning Centre sits for an entrance exam to assess the students’ language ability to succeed in his course of study. This is compared to the required level for the student. If required, a customised tuition service for a specific number of hours is proposed to bridge the gap.

    The school has an selection/orientation checklist that requires staff involved in the selection/admission process to confirm that they have
  • verified the originality and authenticity of documents
  • verified that applicants meet course admission requirements

  • The Management Team conducts checks by random sampling to ensure that staff have performed the necessary verification.

    After application is approved by the school Director, Customer Service Officer applies student pass for applicant.

    The Director may also interview ‘borderline’ students to determine that they can benefit from joining the programme before they are accepted.

    For students enrolling for the LCCI tuition programmes, the school helps students to submit their examination applications if applicable.

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    Student Admission Procedure

    Students are asked to refer to ICA’s website to check the status of the student pass application.

    When the student pass is approved, Cardiff Learning Centre informs the student to report to school. Before they enrol, second verification of originality and authenticity of documents (qualifications) is done for those who apply from overseas and are not able to send original by post.

    The admission/enrolment process in Singapore has the following parts.
  • Second entrance test (to verify language skills of those who apply from home country and are not able to do the first test)
  • Medical check up, collection of student pass at ICA, accommodation arrangements, and opening of bank account.
  • Student signs Standard PEI Student Contract, and Student Escrow Confirmation.
  • Student pays fees to escrow account before collecting student pass
  • Orientation (for new students).


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    Introduction to the Fee Protection Scheme (FPS)

    What is the Fee Protection Scheme (FPS)?
    The Fee Protection Scheme (FPS) serves to protect students’ fees in the event a private education institution is unable to continue operating due to insolvency, and/or regulatory closure. The Fee Protection Scheme also protects students if the private education institution fails to pay penalties or return fees to the students arising from judgement made against it by the Singapore courts.

    EduTrust-certified private education institutions are required to adopt the Fee Protection Scheme to provide full protection to all fees paid by their students. All fees refer to all monies paid by the students to be enrolled in a private education institution, excluding the course application fee, miscellaneous fees (non-compulsory and non-standard fee paid only when necessary or where applicable, for example, the on demand exam fee, adhoc order textbooks etc,).

    Fee Protection Under the Escrow Scheme
    Private education institutions can choose to adopt either the escrow scheme, insurance scheme, or a combination of both.Cardiff Learning Centre uses escrow scheme.

    Under the escrow scheme, private education institutions are strictly not allowed to to collect any money from their students. Instead, the students are to deposit all their fees into the escrow bank account which their private school has opened with any one of the Council for Private Education-appointed banks. Funds in the account are disbursed to the private education institution on a regular basis only if specific conditions are met.

    The Council for Private Education-appointed banks include the:


  • Development Bank of Singapore (DBS);
  • Hongkong and Shanghai Banking Corporation (HSBC); and
  • Standard Chartered Bank (SCB).


  • The school is currently using Development Bank of Singapore Ltd (DBS Bank Ltd)

    For more information on FPS please refer to CPE’s website at (www.cpe.gov.sg)


    FPS Procedure

  • See course fees section on detailed breakdown of fees payable by student and payment schedule;

  • Miscellaneous fees chargeable (for example, ad-hoc charges such as on demand exam fee, transfer fee, adhoc order of textbook) are not included in the FPS

  • The payable fee which includes the course fees are protected under the scheme. It excludes the application fee and miscellaneous fees.

  • Please refer any queries relating to FPS to the school staff

  • Visit CPE website official address at www.cpe.gov.sg for more details of the FPS. Fee Protection Monitoring Module will be available on CPE website when ready


  • Upon receiving the student pass approval letter from ICA, the following takes place:
  • The school prepares the Student Escrow Confirmation (SEC) and sends it to the bank

  • The bank sends an Acknowledge Slip (AS) to the school upon confirmation of the successful opening of the Student Escrow Account

  • Upon receipt of the AS, the school send the SEC to inform the student of the successful opening of the escrow account as well as the payment schedule

  • The student will pay to DBS Bank Ltd* directly using ATM, online iBanking or over the bank counter, according to the Student Escrow Confirmation issued by the school

  • The bank will issue a receipt upon receiving the Student’s scheduled payments.

  • Student hand bank receipt to Customer Service Officer who will issue school receipt to student.

  • Student can then proceed to collect student pass at ICA

  • Student pays subsequent instalment in the same way. he school reserves the right to cancel the student pass of a student who has not made payment 30 days after the due date.


  • The fee protection status of a student may change due to various reasons, such as:
  • A student transfers course of study; or

  • A student withdraws from course of study (termination or pre-mature school leaver) or;

  • A student defers or extends his/her study; or

  • Immigration and Checkpoints Authority (ICA) does not approve or renew the student pass


  • It is the school’s policy
  • not to collect fees beyond 6 months

  • not to collect any fees directly from student under the escrow scheme

  • not to allow students to pay any fee directly to other parties (including partner organisations) other than the school’s escrow bank.


  • *The nearest DBS bank branch is:
    6 Shenton Way Singapore 068809
    Please call 18001111111 for location of other branches
    Our school's Escrow account number is: 003-901933-5

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    Service Guarantees

  • We accept students if they meet our entry requirements / pre-requisites as per Schedule I of their Standard Student Contract.
  • We match students’ needs and proficiencies for the courses offered by means of an objective placement or entrance test.
  • We notify students at least 7 days in advance for any delay in the course commencement date. Such postponement is kept within two (2) weeks.
  • We give full refund of course fees, non-tuition fees if we should prematurely terminate a course for any reason.
  • Students are awarded Certificate, Diploma or Degree if they passed the prescribed examinations and have achieved at least 90% attendance.
  • Our teachers/trainers are professionally qualified and committed to conduct the full course curriculum.
  • The total duration of classroom learning shall adhere to the published time- table.
  • We offer students adequate facilities and support services to foster a conducive and pleasant learning experience.


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    Refund Policy

    The school’s refund policy is as follows:
    A. Refund for Withdrawal for Cause
  • PEI fails, for any reason, to commence the Course on the Course Commencement Date;

  • PEI terminates the Course, for any reason, prior to the Course Commencement Date;

  • PEI fails, for any reason, to complete the Course by the Course Completion Date;

  • PEI terminates the Course, for any reason, prior to Course Completion Date; or

  • The Student’s Pass application is rejected by Immigration and Checkpoint Authority (ICA).


  • Amount: Entire amount of the Course Fees and any Miscellaneous Fees paid, less 3rd party charges (e.g. ICA application fee, escrow charges, bank charges for sending money back to students)
    Time Frame for Refund: Escrow Bank is DBS Bank Ltd which normally refunds on the first working day of next calendar month. Its service quality and timeliness is regulated by CPE.

    B. Refund for Withdrawal without Cause
    Where the Student withdraws from the Course for any reason other than those set out in ‘Withdrawal for Cause’ above or ‘Force Majeure’ conditions described in Clause 9 of the Standard Student Contract
    Amount: The amount refunded is based on when the student’s written notice of withdrawal is received, as indicated below, less any 3rd party charges

    Percentage (Aggregate Sum of Course Fees and Miscellaneous Fees Paid ) If Student’s written notice of withdrawal is received
    100% (“Maximum Refund”) More than 30 days before the Commencement Date
    75% Before, but not more than 30 days before the commencement date
    50% After, but not more than 14 days after the Commencement Date
    25% More than 14 days after the Commencement Date, but not more than 30 days after the Commencement Date
    No Refund More than 30 days after the Commencement Date


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    Refund Procedure

    The school’s refund procedure covers the following commonly occurring situations:
  • School’s non-performance

  • ICA not approving the student pass

  • Student changes his mind during the 7 day cooling off period

  • Student’s withdrawal

  • Course deferment

  • Student going to a Government school for further studies


  • The procedure for student initiated refund (due to Student’s withdrawal / change of mind during 7 day cooling period, etc) is as follows:
  • The student has a discussion with the Customer Service Officer requesting the school for a refund with the reasons.

  • Customer Service Officer looks into the student’s eligibility for a refund. She calculates the amount of refund and talks to the student showing the breakdown of the refund. The student then signs the refund Letter

  • After Director has approved, Customer Service Officer writes to the escrow account provider (if the student is on this scheme) to return money to students. The escrow acct provider will refund the money direct to the student.


  • The procedure for a school initiated refund (due to the school not performing / ICA not approving the student pass, etc) is as follows:
  • Operations Officer in consultation with the Director / Management Team decides not to run the course.

  • Upon receipt of written confirmation that the course will not run, Customer Service Officer calculates the amount of refund due to the students and obtains approval from Director for the refund.

  • After Director has approved, Customer Service Officer writes to the escrow account provider (if the student is on this scheme) to return money to students. The escrow acct provider will refund the money direct to the student.


  • The school’s refund procedure is also described in its student handbook.

    The school keeps its refund records in hard copy. There is a refund letter for the exact amount paid to the student.

    The relevant staff is the Customer Service Officer or, in her absence, the Operations Officer. Both are conversant with the refund procedures.


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    Transfer / Withdrawal Policies

    The school allows students to transfer from a course X to another course Y within the school with payment of a transfer fee to ICA.

    Should a student transfer from course X to another course Y, then withdraw from course Y during the 7 day cooling off period, this is treated as a withdrawal from the original course X.

    The school allows students to withdraw from a course in accordance with the fee refund policy.

    A transfer to another private school is regarded as a withdrawal from Cardiff Learning Centre.

    Students who withdraw because they are successful in their application for educational institutions funded by the Singapore Government (Institute of Technical Education, the polytechnics or universities) and can show an acceptance letter are given a refund. based on refund policy.

    If the student is below 18 years of age, the parent or guardian’s approval for the transfer / withdrawal will be required.

    Full details of the policy are also available on the student handbook and student contract.

  • if the international student withdraws from the school, the school would login to the ICA system to cancel the student pass. When cancelled the student would have 30 days to remain in Singapore.

  • if the international student transfers to another course, the school would have to apply for a new student pass. They are warned that should ICA reject the application for new pass, and cancel the old one, the international student would be forced to return home.


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    Transfer / Withdrawal Procedures

    The school’s procedure for withdrawal/transfer to another school is as follows:
  • When the student gives written notice of his intention to withdraw, the Customer Service Officer will talk to the student to find out why he wants to withdraw.

  • If student does not change his intention, the Customer Service Officer will inform Director, who will interview the student to understand his situation and to administer the end course survey (if necessary)

  • The Customer Service Officer attends to the various withdrawal matters including
    • issuance of refund letter to student effecting the withdrawal

    • cancellation of the student pass

    • termination of the contract

    • informing the FPS provider

    • refunding the student via escrow bank

    The school’s procedure for transfer to another course within the school is as follows:
  • When the student gives written notice of his intention to transfer course, the Customer Service Officer will discuss with student the reasons for his wanting to transfer, and explain to the student the implications for his student pass, etc. The student is invited to decide how he wants to proceed, whether to:
    • stop temporarily and start again later in his new course, or

    • maintain his current course and apply for a new student pass simultaneously for the new course.

    If the student wishes to stop temporarily,
  • the Customer Service Officer will inform Director, who will interview the student to understand his situation.
  • Director then passes the case to the Customer Service Officer with instructions, if any, for processing.

  • Customer Service Officer attend to the various transfer matters including
    • issuance of a refund letter to student effecting the transfer

    • cancellation of the student pass and applying for a new one

    • termination of the existing contract and issuance of a new one

    • informing the FPS provider

    • transferring the student’s account to the new course unconsumed fees. (unused fee, how much to top up, etc)

    On the other hand, if the student wishes to maintain his current course and simultaneously apply for a new student pass for new course
  • the Customer Service Officer will apply student pass

  • the Customer Service Officer gives a new contract (already signed by Director) to the student.

  • The student signs the contract, and pays the transfer fee

  • Customer Service Officer applies for new FPS Escrow BRN number and gives Standard Escrow Confirmation letter that gives his account information, and how to make full payment.

  • Student makes full payment by ATM transfer, online transfer or over DBS bank counter to escrow acct, and gives copy of receipt to Cardiff Learning Centre.

  • Cardiff Learning Centre confirms receipt of funds, and Customer Service Officer issue receipt


  • Customer Service Officer keeps the transfer / withdrawal records in hard copy. The school’s data management system also keeps a record of the student status, as per the requirements for the student register

    Customer Service Officer informs the FPS service providers, ICA, CPE (Via FPS report) for all withdrawal cases.

    The staff involved with transfer / withdrawal policy and procedures is the Customer Service Officer .

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    Examination Appeal Procedure

    Students who have not passed their modules may submit an appeal for review of results using Appeal Form through the Customer Service Officer giving their reasons. This appeal must be submitted within 10 days of the release of exam results. The Customer Service Officer passes the Appeal Form and exam papers for teacher to do double marking then to the Operation Officer, who then submits the appeals to the Exam Board for decision.

    The Operation Officer communicates the decisions of the Exam Board to the Customer Service Officer, who updates the records and informs students of the outcome of their appeal.

    Cardiff Learning Centre releases appeal results – within 4 weeks from the official date of release of the exam results (or 3 weeks from the close of the appeal period) and returns the exam scripts to students after 30 days or more from the official date of release of the exam results.

    A student whose appeal is unsuccessful may apply to Cardiff Learning Centre to take a re-test with payment of a re-test fee. This application must be submitted within 1 week of the release of the appeal results. If the student fails the re-test, he must either repeat the module or take a new module in order to accumulate the required number of passed modules for graduation.

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    Feedback and Complaints Management

    The school accepts feedback / complaints in hard copy (e.g. letter or fax) or soft copy (e.g. email) from the public, staff or students. Upon receipt of the feedback / complaint, Director will direct the relevant manager or staff to look into the matter and to report back to him.

    Where necessary, Director discusses the feedback / complaint with the Management Team to draw learning points. The relevant manager then follows up with appropriate actions to improve the school’s operations.

    The school gives an acknowledgement or initial response to the feedback / complaint within 3 days.

    The school targets to resolve feedback / complaints within 14 working days.

    On disputes, it is the school’s policy is to try to reach a fair and amicable solution (that is, a solution is found to address the grievance that is fair and acceptable to both parties, the student and the school).

    The aggrieved party, the student, must submit the grievance in writing to the school.

    Director will assign the relevant manager to establish the facts of the case and complete the necessary investigation within 7 working days.

    The manager will decide whether the complaint/grievance is justified, and if so, offer a solution to the student.

    If the student accepts the solution, no further action will be pursued except to record and file the grievance and solution.

    If the student declines the solution, the grievance will be referred to the who will review the case and offer a second solution. All these proceedings would be completed within 14 days and complainants are kept informed of the status.

    If the student still refuses to accept the second solution and before the maximum of 21 days, the school will propose that the matter be resolved through the Dispute Resolution Scheme of the Council for Private Education. Click below
    CPE Dispute Resolution Scheme


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    Confidentiality and Security of Information

    The school’s policy is to treat all student data as confidential and strictly for internal use only. The school will use student data that it collects only for the purposes indicated. Consent will be sought from students for the use of students’ data beyond the original intent of data collection, unless requested by government agencies.

    Access to student data is restricted to designated staff, and there are different levels of access.

    Students’ particulars are stored in their respective students’ personal files and selective personal data relevant to the students’ enrolment are captured in the computer database. The personal files and computer records are only accessible by authorised staff. To prevent unauthorised access, the particulars stored in the computer are user-id and password protected.

    The manual records of students’ particulars are kept in cabinets under lock and key outside the school operating hours. During operating hours, only designated staff has access for their work purposes. These student records are not permitted to be removed from the repository unless permission is obtained from the Director.

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    Student Pass Application Procedure

    Cardiff Learning Centre provides assistance with application for student passes.
    Foreign students who come to Singapore to study full-time need to have a Student Pass issued by Immigration and Checkpoints Authority (ICA) of Singapore.
    The forms you need to apply for a student pass are issued when you register.
    New applications must be submitted at least two months before your course begins. Applicants are not required to be present in Singapore while their applications are being processed.
    Foreign students who have registered for a course of study must submit the following documents to Cardiff at least 2 months before the commencement of the course:
  • Passport
  • Photograph - passport sized
  • Family / Household List, English Version (notarized)
  • Highest educational certificate, English Version (notarized)
  • Financial Statement, English version (notarized)
  • Resume, English version
    After application you can use Solar Number to check Student Pass status at
    ICA Solar+ System
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    Student Pass Application Forms

    Form 16
    Form V36
    Application Form
    (To download forms, click on the link above and save on your local machine)

    For more information on Student Pass Application procedures, you may visit the official Immigrations & Checkpoints Authority (ICA) of Singapore website at ICA Website - Approved Private Education Organizations

    Standard PEI Student Contract

    click below for CPE website's :
    Standard PEI Student Contract

    Cardiff Learning Centre requires that all students and/or their legal guardian sign the Standard PEI Student Contract.

    Students can access copies of the contract in Chinese at CPE Website

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    Miscellaneous Fees
    No. Fees Description Amount
    1. On Demand Examination Fees for Diploma in Business Adminstration & Preparatory Course for LCCI Level 3 Diploma in Business Studies only $125 per module
    2. Textbook - Diploma in Business Administration, Preparatory Course for LCCI Level 3 Diploma in Business Studies $36 per module
    3. Transfer fee $30


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