FCA Program Cancellation & Refund Policy

Draft for approval. This text was prepared for review and approval by FCA and has not yet been published.

This FCA Program Cancellation & Refund Policy ("Policy") applies to all programs promoted by Fredericton Christian Academy (FCA), Fredericton, New Brunswick, Canada.

This Policy covers the following FCA programs:

• High School Programs (Semester, Year, Gap)
• Mini High School Program
• Mini High School Experience (Winter Camp)
• FCA Canadian Expedition (Summer Camp)

This Policy is intended to provide an overview of cancellation and refund practices for prospective students, families and educational agencies. However, the only binding and legally enforceable policies are those contained in the official FCA documents, including:

• Letter of Acceptance (LOA)
• Enrolment & Financial Agreement
• International Student Handbook
• Family Handbook
• Any supplemental FCA policies issued directly by the School

In the event of any inconsistency between this page and FCA's official documents, the LOA and Handbooks always prevail.

1. General Principles

• 1.1 FCA establishes cancellation and refund conditions in accordance with New Brunswick regulations, school policy and immigration requirements.
• 1.2 All fees, refunds, withdrawals, cancellations and academic impacts are governed exclusively by FCA Canada — not by FCA's International Recruitment and Partnerships (IRP) team.
• 1.3 The IRP team does not collect payments, process refunds or authorize any financial decisions. All financial matters are handled solely by FCA's Finance Office in Fredericton, Canada.
• 1.4 This Policy applies to all programs listed above unless otherwise stated in the official FCA documents.

2. Non-Refundable Fees

The following fees are always non-refundable, regardless of the reason for cancellation:

• Application fee
• Administrative fees
• Placement or processing fees (where applicable)
• Custodianship processing fees (where applicable)
• Any other fees explicitly defined as non-refundable on the LOA

Non-refundable fees cover administrative work performed by FCA and are not tied to visa outcomes, student decisions or program participation.

3. Refund Eligibility

Refunds are granted only under the specific circumstances described in the International Student Handbook and the LOA. A refund may be issued only in the following cases:

3.1 Study Permit (Visa) Refusal

A refund of tuition and/or homestay fees may be granted if:

• The student submits official written proof of study permit refusal issued by Immigration, Refugees and Citizenship Canada (IRCC), and
• The parent or legal guardian submits a written refund request to FCA.

Non-refundable fees will be deducted as stated in the LOA.

3.2 Death in the Immediate Family

A refund may be granted if the parent or legal guardian submits:

• Evidence of the death of an immediate family member, and
• A written refund request to FCA.

Refund amounts are subject to administrative review and may not include 100 percent of fees paid.

4. Situations Where No Refund Will Be Granted

No refund of tuition, homestay or program fees will be provided in the following cases:

4.1 Voluntary Withdrawal

No refund is issued when a student decides to withdraw for any personal reason, including but not limited to: change of plans, desire to return home, misalignment with personal expectations, or changes in family, financial or personal circumstances.

4.2 Withdrawal Due to School Policy Violations

No refund is granted when a student is asked to withdraw or is expelled for violating FCA rules, policies or codes of conduct as defined in the Family Handbook, the International Student Handbook, or FCA's Behaviour and Conduct Policies.

4.3 Withdrawal After Arrival

If a student withdraws after arriving in Canada: no portion of tuition or homestay fees will be refunded, no credit or deferral will be issued, and the student remains responsible for all fees stated in the LOA.

4.4 Withdrawal Due to Unmet Academic Requirements

If a student cannot continue due to failure to meet academic expectations, no refund is issued.

5. Full-Year LOA Financial Responsibility

When the LOA states that the student is registered for a full academic year, the student and family are financially responsible for the entire academic year — even if the student decides to withdraw early, remains only for one semester, or is removed for disciplinary reasons. This rule is expressly stated in the International Student Handbook and is strictly enforced.

6. Program-Specific Conditions

6.1 High School (Semester, Year, Gap)

Policies above apply fully. Gap students are treated as high school full-year or semester students depending on their LOA.

6.2 Mini High School

Mini High School Program fees are considered short-term, fixed-cost educational packages. Due to the short duration and pre-booked services: no refund is issued after the LOA is accepted, no refund is issued once travel arrangements begin, and no refund is issued once the program has started.

6.3 Mini High School Experience (Winter Camp)

Winter Camp is subject to the same refund restrictions as Mini High School. Once the LOA is issued and accepted, cancellations do not result in refunds except in the cases listed in Section 3.

6.4 FCA Canadian Expedition (Summer Camp)

Summer Camp is a special program with pre-reserved accommodations, transportation and activities. For this reason: no refund is issued after program confirmation, no refund is issued for students who do not attend or who withdraw, and refunds are not available for unused program days or missed activities. Refund exceptions apply only under Section 3 (study permit refusal or death in the immediate family).

7. Program Deferrals

FCA does not guarantee the ability to defer a student to another intake. Deferrals may be approved only at FCA's discretion and: are not guaranteed, may require payment of additional fees, and cannot be used as a substitute for refund requests. A deferral is a privilege, not a right.

8. Additional Non-Refundable Items

The following items are not refundable under any circumstances: insurance premiums purchased through third parties, travel expenses (flights, transfers, baggage fees), visa or biometrics fees, personal expenses, accommodation or activities arranged outside FCA, and fees paid to agents or service providers. FCA is not responsible for third-party costs or cancellations.

9. International Recruitment and Partnerships (IRP) Disclaimer

To avoid misunderstanding, it is essential to clarify:

• FCA's IRP team does not process payments.
• FCA's IRP team cannot issue refunds.
• All financial decisions are made exclusively by FCA Canada.
• The IRP team may assist families and agencies in understanding the policy but cannot modify or negotiate refunds.
• The IRP team is not liable for travel decisions, visa outcomes, or external service fees.

All financial communications must be directed to FCA Canada's Finance Office through the contact details provided in the LOA.

10. Agency Cancellation and Commission Rules

Cancellation and commission rules for agencies do not appear on this page. Educational agencies and partner schools are governed by their partnership agreement with FCA, which refers to this Policy for cancellations and withdrawals, and by the commission amounts shown to authorized partners in the FCA Partner Portal. This page applies only to students, parents and the general public.

11. Mandatory Disclaimer

This page is a summary of FCA's cancellation and refund practices. It does not replace or modify the official contractual documents. In all cases, the LOA, Enrolment Agreement, International Student Handbook and Family Handbook always take precedence. Families and agencies must review these documents carefully before confirming enrolment.

12. Contact Information

For questions about this Policy or program participation, please contact FCA's International Recruitment and Partnerships (IRP) team — Program & Admissions Support:

Phone: +55 (19) 99964-9625
Email: [email protected]

Please note: refund decisions are made exclusively by FCA Canada and cannot be processed through the IRP team.

13. Cancellation requests and records in the system

Cancellation requests are made through the educational partner that manages the enrolment in the FCA system, or directly to FCA through the contact details above. When no payment has been confirmed and no Letter of Acceptance (LOA) has been issued, the partner can cancel the enrolment directly in the system; in every other case the partner submits a cancellation request, which FCA staff review. Families do not cancel enrolments directly in the system.

FCA staff record in the system the payments confirmed, the cancellation decisions and any refund entries. The system does not calculate refunds: any refund follows sections 2 to 8 and the official FCA documents.