1.1. Payment Steps: (1) Customer selects services and provides details; (2) SST Travel checks availability and sends quotation/order summary; (3) Customer reviews all details, reads, and agrees to policies; (4) Customer makes payment as instructed; (5) SST Travel reconciles and issues booking confirmation/voucher.

1.2. Payment Methods: Customers can pay via bank transfer, card, or secure payment gateways/links provided by SST Travel during the transaction. Customers must only transfer funds to accounts or links confirmed by SST Travel through official channels.

1.3. Timing and Payment Amount: Unless specified otherwise in quotations or confirmations, customers must pay 100% of the booking value to secure space. For deposits, the remaining balance must be paid by the specified deadline; overdue balances give SST Travel the right to release services after notifying the customer.

1.4. Transaction Fees: Bank fees, currency conversion fees, card fees, or intermediary payment fees (if any) are borne by the customer unless announced as included by SST Travel. The net amount received by SST Travel must fully match the payable value.

1.5. Payment Safety: SST Travel never requests passwords, OTP codes, PIN codes, or full card security details via email or messages. Customers must report immediately if they encounter unusual payment requests or suspected fraud.

2.1. General Principles: Specific cancellation terms published on product pages, quotations, or confirmations take precedence. Cancellation times are calculated upon SST Travel’s receipt of written requests via email or official channels, based on local time at the service start location.

2.2. Default Cancellation Rates:
– Daily join-in tours: Cancel 48h+ prior = 100% refund; under 48h or no-show = no refund.
– Multi-day tours with hotels: Cancel 7 days+ prior = 100% refund; under 7 days or no-show = no refund.
– Overnight Ha Long/Lan Ha Cruises: Cancel 10 days+ prior = 100% refund; under 10 days or no-show = no refund.
Previously notified non-refundable items will be deducted.

2.3. Late Arrival or Non-Participation: Arriving late, missing meeting points/times, lacking documents, facing transport/immigration denials, or voluntarily leaving the tour is considered non-use of services; SST Travel has no obligation to refund missed portions.

2.4. Cancellation or Changes by SST Travel / Suppliers: If SST Travel or suppliers fail to deliver services due to their fault, customers can choose equivalent alternatives, date changes, or refunds for unprovided services. In force majeure events, SST Travel prioritizes rescheduling or refunding recovered costs after deducting non-refundable supplier expenses.

2.5. Refund Timeline: After confirming refund amounts, SST Travel processes refunds within 07–15 working days. Funds arrival depends on banks, card organizations, or payment gateways.