Transaction & Payment Policy

1. Transaction Process

Depending on the service or property, a transaction may involve:

1. Initial enquiry or consultation
2. Property or investment opportunity assessment
3. Provision and review of relevant information
4. Due diligence and verification
5. Expression of Interest (“EOI”), reservation, or deposit where applicable
6. Completion of required documentation
7. Payment in accordance with the agreed terms
8. Allocation, transfer, completion, or handover where applicable

The specific process may vary depending on the project and relevant third parties.

2. Payments

All payments must be made through payment channels officially communicated by TOC or the relevant authorised transaction party.

Clients should not make payments to personal or unauthorised accounts claiming to represent TOC.

Prices, fees, deposits, payment plans, and deadlines will be communicated before payment and may vary by project.

3. EOI & Reservations

Where an EOI, reservation fee, or deposit is required, the applicable amount and conditions will be communicated before payment.

An EOI or reservation payment does not automatically constitute transfer of legal ownership unless expressly stated in the relevant agreement.

4. Refunds & Cancellations

Refunds and cancellations are subject to the specific terms applicable to the service or transaction.

Fees for services already commenced may be non-refundable.

Property deposits, EOIs, reservation fees, and other transaction payments may have separate project-specific conditions.

Where a transaction involves a third-party developer, seller, or project company, refund obligations may be governed by that party’s applicable agreement.

5. Payment Plans

Where a payment plan is offered, clients are required to meet the agreed instalment dates.

Failure to meet payment obligations may result in the suspension, cancellation, or modification of a reservation or payment plan, subject to the applicable project terms.

6. Third-Party Transactions

Where TOC acts as an adviser or facilitator, the developer, property owner, project company, or other relevant third party remains responsible for obligations expressly assigned to them under the applicable transaction documentation.

7. Changes & Delays

Transaction timelines, property prices, availability, development schedules, and other project conditions may change.

TOC will communicate material changes received from relevant parties where reasonably practicable.

8. Client Verification

Clients are encouraged to independently review transaction documents and obtain appropriate legal, financial, technical, or other professional advice before committing funds.

For questions regarding a transaction or payment, please contact TOC through our official communication channels.