top of page

Privacy Policy

STEMA is committed to keep all personal information of individual using its online services and facilities confident, secure and private. Our privacy policy is designed to meet most existing privacy standards. Our website policies and Terms & conditions can be updated at any time to meet the requirements and standards, you are responsible to regularly visit the relative section to check for updates. Updates are effective the day they are posted. By using, you herein consent to the terms within this agreement. Collected information refer to any information that is voluntary shared by you including but not limited to: name, physical address, email address, billing and/or credit card information or information such as: cookies, third party tracking technologies and server logs that are automatically collected when visiting our website. Collected information are intended to be used for the sole purpose for which they were requested. Your credit/debit card details and your personal information will not be stored, sold, shared, rented or leased to any third parties. The Website might include advertisements by third parties such as: ad networks, advertising agencies, advertisers, and audience segment. Information collected via such advertisements are used by third parties to understand your interests and used for marketing purposes.  STEMA does not have access or control to these data and hence they are not covered by this privacy policy.

Terms and Conditions

This section outlines the terms and condition that apply to all online card transaction to STEMA. The United Arab Emirates is the domicile country for STEMA, any dispute or claim arising in connection with STEMA Website is governed by U.A.E laws. To use STEMA online payment facilities, you should be at least 18 years old and are the lawful owner of the debit/credit card used to process the payment .By using STEMA’s online transaction, you agree to these terms and condition. Please read these terms carefully before using our online payment facility. These terms and condition are susceptible to changes without prior notice and modification will apply to any to subsequent transaction. You are responsible to retain a copy of the transaction for record keeping purposes, that can be used in the resolution of any disputes that may arise out of usage of our services.


Online payment transactions via STEMA website are secure. The provided payment details are directly submitted to our payment provider via a secure connection and are solely used for the purpose for which they are requested. Your data are not to be disclosed to any third party except for data necessary for STEMA’s e-commerce provider to process your information for payment purposes. STEMA may be required to disclose data to other third parties in limited, exceptional circumstances where it’s required to comply by U.A.E law.

STEMA shall not be held liable the following:

  1. Wrong payment records due inaccurate information supplied by you.

  2. Delayed payment due to any reason.

  3. Payment declined by your credit/debit card supplier for any reason.

  4. Notification for declined payment by your credit/debit card supplier. You are responsible to check with your credit/debit card supplier to make sure the payment has been processed.

  5. Any additional fees payable against your Credit/Debit card transactions. You are responsible to contact your credit/debit card supplier to inquire of any charges or fees payable against your Credit/Debit card transactions.

  6. Misuse, hacking, theft and/or fraud that STEMA and the Payment Service Provide has no control over. You agree and confirm that your personal data including but not limited to information related to your debit/credit card is susceptible to such risk.

Registration / Attendance Policy

By registering and  processing the payment, STEMA is dedicated to providing you a service that adhere to international standards of STEM Education. On the other hand, you agree to STEMA’s attendance policy as outlined below:

  1. Students are expected to attend all classes and be punctual. Throughout the Program, regular attendance and participation in classroom activities are compulsory. Attendance will be monitored by the Instructor at the beginning of each session.

  2. Students unable to attend for a maximum of 2 classes for medical or any other “force majeure” reasons have to produce proper supporting documents within one week from the missed classes to schedule a make-up. The institution has the right to schedule the makeup based on the availability of instructors and timing slots.

  3. Certificates will not be awarded for those who are unable to attend for more than 2 times.

Refund and Cancellation Policy

Upon registration you agree to STEMA refund and cancellation policy as outlined below:

  1. I agree to the below mentioned terms, which include details of my cancellation rights.

  2. I understand that I am entering into a contract with STEMA Institution and not with any other sole party, trainers or any other individual.

  3. I understand that my children will enter the training program(s) at my own risk and that no person(s) or organization(s) will be held responsible for any accident, injury or loss to anyone, prior to, during or after the event.

  4. I understand that STEMA reserve the right to alter any arrangements and conditions should circumstances require.

  5. Registering in our training programs is a binding commitment, and unless expressed conditions while registration, participants who cannot attend the club for any reason, including travel arrangements and injury, will not be refunded, STEMA may accommodate them in a makeup class later depending on schedule and availability.

  6. Participants who wish to discontinue, may ask for a credit note to be used against our other programs or can be given as a gift to friends or relatives, No cash refund will be provided.

Frequently Asked Questions:

Do you schedule makeup classes for missed classes?

In case you are going to be absent for the class, you should notify STEMA prior to the start of the class to schedule a makeup class. If you are absent form more than two classes, you should present medical proof to be eligible for makeup classes.


Will my attendance affect the processing of my certificate?

You are not eligible for your certificate if you miss two classes without any medical proof.


Will I receive a refund for classes that I was absent for?

STEMA does not provide cash refund for missed classes. However, we will work diligently to schedule a makeup class based on trainers’ availability to cover for missed classes.


Will I receive refund if I want to cancel my registration with STEMA?

STEMA does not provide cash refund if you wish to cancel your registration. However, you are eligible to ask for a credit note to be used against our other programs or can be given as a gift to friends or relatives.

bottom of page