Refund Policy

1. Satisfaction Guarantee

EuroGuard Insurance offers a 100% satisfaction guarantee on all our consultation services. If you're not completely satisfied with the quality, thoroughness, or value of our advisory services, we will work to address your concerns and, if necessary, provide a refund or credit 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: Consultations that fail to meet our professional standards or do not adequately address the agreed-upon scope
• Cancellations: Services that are canceled within the timeframes specified below
• Technical Failures: Consultations that cannot be completed due to technical issues on our end
• Double Billing: Instances where you've been charged more than once for the same service
• Subscription Cancellation: Prorated refunds for unused portions of subscription services

3. Refund Request Timeframe

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

• 7 days of receiving the consultation service for one-time consultations
• 30 days of the charge date for subscription services
• 48 hours before the scheduled consultation time for cancellation requests

Refund requests made outside of these timeframes will be evaluated on a case-by-case basis.

4. How to Request a Refund

5. Cancellation Policy

Our cancellation policy for scheduled consultations is as follows:

• More than 48 hours notice: Full refund or rescheduling at no additional cost
• 24-48 hours notice: 75% refund or rescheduling at no additional cost
• Less than 24 hours notice: 50% refund or rescheduling with a 25% additional fee
• No-show: No refund provided

Exceptions may be made in cases of emergency or unusual circumstances at our discretion.

6. Subscription Cancellations

For ongoing advisory subscriptions:

• You may cancel your subscription at any time by contacting our customer service team
• Cancellations will take effect at the end of the current billing period
• For annual subscriptions canceled before the term ends, we offer prorated refunds for the unused portion minus a 10% administrative fee
• Trial periods, if applicable, can be canceled before the trial ends with no charge

7. Refund Methods and Timing

Approved refunds will be processed as follows:

• Refunds will be issued using the same payment method used for the original transaction
• Credit card refunds typically appear on your statement within 5-7 business days
• Bank transfer refunds may take 7-10 business days to process
• In some cases, we may offer service credits instead of monetary refunds, which can be applied to future consultations

8. Non-Refundable Items

The following services and charges are generally non-refundable:

• Administrative fees
• Completed consultations that met the agreed-upon scope
• Special research conducted at your request
• Custom documentation prepared specifically for your situation
• Services provided by third-party partners (though we will assist in facilitating refunds from these providers when appropriate)

9. Dispute Resolution

If you disagree with our refund decision:

1. Contact our customer service manager to escalate your request
2. Provide any additional information or documentation that may support your case
3. If the issue remains unresolved, you may request mediation through appropriate consumer protection agencies

We are committed to fair and reasonable resolution of all refund requests and will work in good faith to address legitimate concerns.

10. Changes to This Policy

We may update our Refund Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. Any changes will apply to services purchased after the updated policy is posted.

Services purchased under a previous refund policy will continue to be governed by the policy in effect at the time of purchase.

11. Contact Us

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

• By email: [email protected]
• By phone: +45 12 345 678
• By mail: Nyhavn 43, 1051 Copenhagen, Denmark