Last Updated: September 10, 2023
At SwedInsure, we are committed to ensuring your satisfaction with our services. This Refund Policy outlines our procedures regarding refunds for our paid consultation services and advisory packages. Please read this policy carefully before purchasing any services from us.
1. Satisfaction Guarantee
SwedInsure offers a 100% satisfaction guarantee on all our consultation services. If you're not completely satisfied with the quality of our service, we will provide a refund or credit at our discretion.
This guarantee applies to both one-time consultations and package services.
2. Eligibility for Refunds
You may be eligible for a refund in the following circumstances:
- Service Quality Issues: If our service does not meet the professional standards described in our service descriptions
- Technical Problems: If technical issues prevented the delivery of our consultation service
- Scheduling Conflicts: If we are unable to accommodate your consultation within the timeframe specified at purchase
- Duplicate Charges: If you were accidentally charged multiple times for the same service
3. Refund Request Timeframe
To be eligible for a refund, you must notify us of the issue within:
- 7 days after the consultation service has been provided
- 30 days for subscription-based or package services, starting from the date of purchase
- 48 hours for cancellations of scheduled consultations (see Cancellation Policy below)
4. How to Request a Refund
Refund Request Process:
- Contact Customer Service: Reach out to us via email at [email protected], by phone at +46 70 123 4567, or through the "Contact" section on our website.
- Provide Order Details: Include your order number, the service purchased, and the reason for your refund request.
- Documentation: If applicable, provide any documentation that supports your refund request.
- Review: Our customer service team will review your request and may ask for additional information if needed.
- Resolution: We will process your refund or offer an appropriate solution within 5-7 business days of receiving your request.
5. Refund Methods
Refunds will be processed using the same payment method used for the original purchase:
- Credit/Debit Card Payments: Refunded to the original card used for purchase
- Bank Transfers: Refunded to the originating bank account
- Service Credits: In some cases, we may offer service credits instead of monetary refunds, which can be applied to future services
Please note that it may take 5-15 business days for a refund to appear in your account, depending on your payment provider's policies.
6. Cancellation Policy
6.1 Cancellation by Client
If you need to cancel a scheduled consultation:
- More than 48 hours before: Full refund or rescheduling without penalty
- 24-48 hours before: 50% refund or rescheduling without penalty
- Less than 24 hours before: No refund, but we may offer rescheduling at our discretion
6.2 Cancellation by SwedInsure
If we need to cancel a scheduled consultation due to unforeseen circumstances, we will offer you:
- Priority rescheduling at your convenience
- A full refund if rescheduling is not possible or desired
- A 10% discount voucher for your next service as a courtesy for the inconvenience
7. Subscription Services
For subscription-based services:
- Cancellation: You may cancel your subscription at any time through your account settings or by contacting customer service
- Prorated Refunds: If you cancel a subscription before the end of the billing period, we may provide a prorated refund for the unused portion of your current billing cycle
- Annual Subscriptions: Refunds for annual subscriptions are considered on a case-by-case basis and may be subject to a cancellation fee
8. Non-Refundable Items
The following are generally not eligible for refunds:
- Services that have been fully delivered and do not have quality issues
- Custom or personalized advisory services after work has commenced
- Digital products that have been downloaded or accessed
- Consultations that you attended but later decided were not helpful
9. Exceptions
We understand that exceptional circumstances may sometimes require exceptions to this policy. If you believe your situation warrants special consideration, please contact our customer service team directly.
We review these requests on a case-by-case basis and strive to find a fair resolution.
10. Changes to This Refund 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. Any changes will be effective immediately upon posting on this page, with the updated "Last Updated" date at the top.
We encourage you to review this Refund Policy periodically to stay informed about our refund practices.
11. Contact Us
If you have any questions about this Refund Policy or would like to request a refund, please contact us at: