Refund Policy

1. Introduction

At Euro Insurance Guide, we are committed to providing high-quality information and resources about car insurance in Sweden and across Europe. While most of our content is available free of charge, we may occasionally offer premium content, special reports, or consulting services that require payment.

This Refund Policy outlines the circumstances under which refunds may be issued for any paid services or products provided by Euro Insurance Guide. By purchasing any paid content or services from us, you agree to the terms of this Refund Policy.

2. Free Content and Resources

The majority of content on our website, including our blog posts, basic insurance guides, and glossary, is available free of charge. No refund policy applies to free content.

3. Premium Digital Content

For any premium digital content, such as special reports, comprehensive guides, or data analysis that requires payment:

3.1 Satisfaction Guarantee

We offer a 14-day satisfaction guarantee for our premium digital content. If you are not satisfied with the quality or relevance of the content, you may request a refund within 14 days of purchase.

3.2 Eligibility Requirements for Refunds

To be eligible for a refund on premium digital content:

• The refund request must be submitted within 14 days of purchase
• You must provide a clear reason for your dissatisfaction
• The content must not have been excessively downloaded, printed, or shared

3.3 Non-Refundable Situations

Refunds will generally not be provided in the following situations:

• More than 14 days have passed since the purchase
• The content has been extensively accessed, downloaded, or distributed
• The refund is requested solely because the information is available elsewhere
• The refund is requested due to a misunderstanding about the scope or purpose of the content that was clearly described in the product description

4. Consultation Services

For any paid consultation services or personalized insurance advice:

4.1 Cancellation Before Service Delivery

If you cancel a scheduled consultation at least 48 hours before the appointment time, you will receive a full refund. Cancellations made less than 48 hours before the scheduled time may be subject to a cancellation fee of up to 50% of the service cost.

4.2 Satisfaction with Delivered Services

If you are not satisfied with the consultation services provided, you must notify us within 7 days of the service delivery. We will work with you to address your concerns and may offer, at our discretion:

• A follow-up consultation at no additional charge
• A partial refund based on the specific circumstances
• A full refund in cases where we were unable to provide the services as described

4.3 Non-Refundable Situations

Consultation services are generally non-refundable in the following situations:

• You failed to attend a scheduled consultation without prior notice
• The full consultation was provided as described, but you chose not to follow the advice
• More than 7 days have passed since the service was delivered without any complaint being filed
• The consultation was regarding matters outside the scope of our expertise, which was made clear prior to the service

5. Subscription Services

If we offer any subscription-based services:

5.1 Cancellation of Subscriptions

You may cancel a subscription at any time. Upon cancellation:

• You will continue to have access to the subscription benefits until the end of the current billing period
• No further charges will be made after cancellation
• We do not provide partial refunds for unused portions of the current subscription period

5.2 Exceptions for New Subscriptions

For new subscriptions only, if you cancel within 14 days of the initial subscription purchase, you may request a full refund provided you have not extensively used the subscription services.

6. How to Request a Refund

7. Refund Processing

If your refund request is approved:

• Refunds will be processed using the same payment method used for the original purchase
• Depending on your payment provider, it may take 5-10 business days for the refund to appear in your account
• Any applicable taxes will be included in the refund amount
• Processing fees charged by payment processors may not be refundable in certain circumstances

8. 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 your local consumer protection laws.

For customers in Sweden, this policy complies with the Swedish Consumer Sales Act (Konsumentköplagen) and the Distance and Off-Premises Contracts Act (Lagen om distansavtal och avtal utanför affärslokaler).

9. Changes to this Policy

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

10. Contact Information

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

Euro Insurance Guide
123 Insurance Street
Stockholm, Sweden
Email: [email protected]
Phone: +46 70 123 4567