1. Satisfaction Guarantee

EuroSafe Insurance Guide offers a 100% satisfaction guarantee on all our services. If you're not completely satisfied with the quality or outcome of any service, we will provide a refund or credit at our discretion.

This guarantee applies to both one-time purchases and subscription services.

2. Eligibility for Refunds

You may be eligible for a refund in the following circumstances:

• Quality Issues: Services that do not meet the standards described in our service descriptions
• Technical Problems: Technical issues that prevent you from accessing or using the service properly
• Service Cancellation: Services cancelled by EuroSafe Insurance Guide before delivery
• Double Charging: Instances where you were charged multiple times for the same service
• General Dissatisfaction: If you are unhappy with a service for any reasonable cause

3. Refund Request Timeframe

To be eligible for a refund, you must notify us of the issue within:

• 14 days of purchase for one-time consultation services
• 7 days of purchase for digital products and educational materials
• 30 days of the billing date for subscription services

We strongly recommend that you review purchased services as soon as possible to ensure timely reporting of any issues.

4. How to Request a Refund

5. Refund Methods and Timing

Refunds will be issued using the same payment method used for the original purchase:

• Credit/Debit Card Payments: Refunds typically appear on your statement within 5-10 business days, depending on your card issuer.
• Bank Transfers: Refunds via bank transfer may take 5-7 business days to process.
• Service Credits: In some cases, we may offer service credits instead of monetary refunds, which will be applied to your account immediately.

Please note that while we process refunds promptly, the time it takes for the refund to appear in your account depends on your payment provider and is beyond our control.

6. Non-Refundable Items and Services

Certain services and circumstances are not eligible for refunds:

• Services Already Delivered: Consultation services that have already been provided and completed to the agreed specifications.
• Customized Services: Services that were customized specifically for your needs, after the customization work has begun.
• Subscription Services After the Refund Period: Subscription fees beyond the 30-day refund period, though you can still cancel to prevent future charges.
• Services Used in Violation of Terms: Services used in a manner that violates our Terms of Service.

7. Partial Refunds

In some cases, we may issue partial refunds:

• Partially Delivered Services: If only a portion of a service package has been delivered, we may refund the unused portion.
• Subscription Services: For subscription cancellations, we may provide a prorated refund based on the unused portion of the current billing period.
• Service Discrepancies: If the service delivered differs substantially from what was described, but still provided some value, a partial refund may be issued.

8. Cancellation Policy

8.1 Subscription Cancellations

You may cancel your subscription at any time through your account settings or by contacting our customer service. Upon cancellation:

• You will maintain access to the subscription benefits until the end of the current billing period.
• No further charges will be applied after the current billing period ends.
• Refunds for the current billing period are subject to the timeframe specified in Section 3.

8.2 Service Appointment Cancellations

For scheduled consultation services:

• Cancellations made more than 48 hours before the appointment: Full refund or rescheduling without penalty.
• Cancellations made 24-48 hours before the appointment: 75% refund or rescheduling with a 25% rebooking fee.
• Cancellations made less than 24 hours before the appointment: 50% refund or rescheduling with a 50% rebooking fee.
• No-shows: No refund will be provided for missed appointments without notice.

We understand that emergencies happen. In case of genuine emergencies, please contact us as soon as possible, and we will work with you to find a fair solution.

9. Disputes and Exceptions

If you believe your refund request has been incorrectly denied or if you have a unique circumstance not covered by this policy:

1. Contact our customer service team to explain your situation in detail.
2. If the issue remains unresolved, you may escalate your concern to our management team by emailing [email protected].
3. We will review escalated cases within 10 business days and provide a final decision.

We reserve the right to make exceptions to this policy on a case-by-case basis at our discretion. Any exceptions made will not constitute a change to this policy or establish a precedent for future cases.

10. Changes to This Policy

We may update this Refund Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The most current version will be posted on our website with the effective date clearly indicated.

Refund requests will be governed by the policy in effect at the time of purchase. We encourage you to review this Refund Policy periodically to stay informed about our refund practices.

11. Contact Information

If you have any questions or concerns about this Refund Policy or would like to request a refund, please contact us at:

EuroSafe Insurance Guide
Sveavägen 56
111 34 Stockholm, Sweden
Email: [email protected]
Phone: +46 123 456 789

Our customer service team is available Monday through Friday, 9:00 AM to 5:00 PM Central European Time, excluding holidays.