Euro Insurance Guide

1. Premium Digital Resources

We offer various premium digital resources, including but not limited to downloadable guides, e-books, templates, and data reports.

1.1 Eligibility for Refunds

Refunds for digital resources may be provided under the following circumstances:

• Delivery Failure: If you do not receive the digital product due to technical issues on our end
• Unusable Format: If the product is in a format that cannot be accessed using standard software
• Significant Discrepancy: If the product's content significantly differs from its description on our website

1.2 Non-Refundable Circumstances

Refunds will generally not be provided in the following situations:

• After the digital resource has been downloaded or accessed
• If you simply change your mind about the purchase
• If you purchased the wrong resource by mistake
• If you claim the content is not useful or relevant to your specific situation

1.3 Refund Request Timeframe

Requests for refunds must be submitted within 7 days of the purchase date to be considered.

2. Subscription Services

We offer premium subscription services that provide access to exclusive content, tools, and resources.

2.1 Trial Periods

If a subscription includes a free trial period:

• You will not be charged during the trial period
• You must cancel before the trial period ends to avoid being charged
• No refund will be provided for the first subscription payment if you fail to cancel during the trial period

2.2 Subscription Cancellations

You may cancel your subscription at any time:

• Cancellation will take effect at the end of the current billing cycle
• You will continue to have access to the subscription services until the end of the current billing cycle
• No partial refunds will be issued for unused portions of the current billing cycle

2.3 Subscription Refunds

Refunds for subscription services may be provided in the following circumstances:

• If our services have been unavailable for a significant period during your billing cycle
• If we have made major changes to the subscription services that materially reduce their value
• If your account was charged after you submitted a cancellation request within the specified timeframe

3. Consulting Services

We offer personalized consulting services related to insurance matters, which may include but are not limited to insurance analysis, coverage recommendations, and claim assistance guidance.

3.1 Scheduling and Cancellation

For scheduled consulting sessions:

• Full refunds are available if you cancel at least 48 hours before the scheduled session
• Cancellations within 48 hours of the scheduled session will incur a 50% cancellation fee
• No-shows or cancellations within 2 hours of the scheduled session will not be refunded

3.2 Service Quality

If you are dissatisfied with the quality of our consulting services:

• You must notify us within 7 days of the service delivery
• We may offer a partial refund, a session credit, or a re-delivery of the service at our discretion
• The decision will be based on the specific circumstances and the nature of the dissatisfaction

3.3 Service Limitations

Please note that consulting services are informational and educational only. We do not provide legal, financial, or insurance broker services, and no refunds will be provided for misunderstandings about the nature of our services.

4. Custom Resource Development

We offer custom resource development services where we create personalized guides, reports, or analysis specific to your needs.

4.1 Deposit and Payment Structure

Custom resource development typically requires:

• A non-refundable deposit (typically 30% of the total cost) to initiate the project
• Progress payments at defined milestones
• Final payment upon delivery of the completed resource

4.2 Revision and Refund Policy

For custom resources:

• The initial project scope will define the number of included revisions
• If the delivered resource doesn't meet the agreed specifications, we will revise it at no additional cost
• If after reasonable revision attempts we cannot meet the agreed specifications, a partial refund may be issued for the incomplete portions of the project
• Changes to the project scope after work has begun may incur additional charges and are not grounds for refunds

5. How to Request a Refund

For questions about the status of your refund request, you may contact us at [email protected] or call our customer service at +46 70 123 4567 during business hours (Monday to Friday, 9:00 AM to 5:00 PM CET).

6. Payment Processing Fees

Please note that payment processing fees are non-refundable. If a refund is approved:

• For purchases under €50, the payment processing fee (typically 3-4% of the purchase price) may be deducted from the refund amount
• For purchases over €50, we will typically absorb the payment processing fees and provide a full refund

Currency conversion fees charged by your bank or credit card company are not refundable by Euro Insurance Guide.

7. Legal Rights

This Refund Policy does not affect your statutory rights as a consumer. If you are located in the European Union, you have certain rights under the EU Consumer Rights Directive and other applicable laws. Nothing in this policy is intended to limit those statutory rights.

For customers in Sweden, these refund policies comply with the Swedish Consumer Purchases Act (Konsumentköplagen) and the Distance and Off-Premises Contracts Act (Lag om distansavtal och avtal utanför affärslokaler).

8. Policy Updates

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

The Refund Policy in effect at the time of your purchase will apply to that transaction.

9. Contact Information

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