1. Satisfaction Guarantee

Swedish Car Insurance Guide offers a satisfaction guarantee on our premium consulting services. If you're not completely satisfied with the quality or value of our insurance consultation or advisory services, we will work with you to resolve the issue or provide a refund at our discretion.

This guarantee applies to both one-time consultations and subscription-based advisory services.

2. Eligibility for Refunds

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

• Service Quality Issues: If our services fail to meet the standards described in our service agreements or marketing materials
• Technical Problems: If technical issues prevented you from accessing or fully utilizing a paid service
• Duplicate Charges: If you were charged multiple times for the same service
• Service Unavailability: If a scheduled consultation or service was not provided as agreed upon
• General Dissatisfaction: If you are unhappy with a service for any reason (subject to the timeframes specified below)

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
• 30 days of purchase for digital products or resources
• Before the next billing cycle for subscription-based services

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

4. How to Request a Refund

5. Refund Methods and Timing

Refunds will be processed using the same method of payment used for the original purchase whenever possible:

• Credit/Debit Card Payments: Refunds typically appear on your statement within 5-10 business days after processing.
• Bank Transfers: Refunds may take 7-14 business days to appear in your account.
• Other Payment Methods: For payments made through other methods, we will work with you to arrange an appropriate refund method.

Please note that your financial institution's policies may affect when a refund becomes available in your account.

6. Non-Refundable Items and Services

The following are generally not eligible for refunds unless otherwise required by applicable law:

• Services Already Fully Delivered: Consultations or advisory services that have been completed to specification.
• Customized Research: Personalized insurance market research or analysis created specifically for a client.
• Digital Products After Download: Digital products, guides, or resources after they have been downloaded or accessed.
• Subscription Services: Past billing cycles for subscription services that have already been used (though you may cancel future billings).

However, we evaluate each situation on a case-by-case basis and may make exceptions at our discretion.

7. Subscription Cancellations

For subscription-based services:

• You may cancel your subscription at any time through your account settings or by contacting customer service.
• Cancellation will take effect at the end of the current billing cycle.
• No refunds are provided for the current billing period unless there are exceptional circumstances or service issues.
• If you cancel within the first 30 days of a new subscription, you may be eligible for a prorated refund.

8. Special Circumstances

We understand that special circumstances may arise. If you experience any of the following, please contact us as soon as possible:

• Personal Emergencies: Serious health issues or family emergencies that prevent service utilization.
• Technical Difficulties: Persistent technical problems that prevent access to purchased services.
• Service Discrepancies: Significant differences between described and delivered services.

In these cases, we may offer extended refund periods, service credits, or other accommodations at our discretion.

9. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services following any changes indicates your acceptance of the revised policy.

We will notify customers of significant changes through email or notices on our website.

10. Contact Us

If you have any questions about our Refund Policy, please contact us:

• By email: [email protected]
• By phone: +46-70-123-4567
• By mail: Sveavägen 56, Stockholm, 11134, Sweden