Refund Policy

1. Satisfaction Guarantee

Swedish Insurance Guide offers a satisfaction guarantee on all our premium digital content and educational services. If you're not completely satisfied with your purchase, we will provide a refund according to the terms outlined in this policy.

This guarantee applies to both one-time purchases and subscription services.

2. Eligibility for Refunds

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

• Digital Products: E-books, guides, and other downloadable content that does not meet the description provided at the time of purchase
• Online Courses: Educational content that does not deliver the promised curriculum or has significant technical issues preventing access
• Premium Memberships: Subscription services that do not provide the advertised features or benefits
• Technical Issues: Persistent technical problems that prevent you from accessing or using the purchased content or service
• Duplicate Purchases: Accidental duplicate orders for the same product or service

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 digital products
• 14 days of purchase or the first lesson (whichever comes first) for online courses
• 14 days of the initial subscription date for premium memberships
• 7 days of discovery for technical issues or duplicate purchases

We strongly recommend that you review and test any digital products or services immediately after purchase to ensure timely reporting of any issues.

4. How to Request a Refund

For subscription services, please note that canceling your subscription through your account settings will stop future billing but does not automatically trigger a refund for the current billing period. To request a refund, please follow the process outlined above.

5. Refund Methods and Processing Time

Refunds will be issued using the same payment method used for the original purchase:

• Credit/Debit Cards: Refunds typically appear on your statement within 5-10 business days, depending on your card issuer.
• PayPal: Refunds are usually processed within 3-5 business days.
• Bank Transfers: Refunds may take 7-10 business days to appear in your account.

Please note that while we process refunds promptly, the actual time it takes for the refund to appear in your account depends on your payment provider and is beyond our control.

6. Non-Refundable Items and Exceptions

The following purchases are generally not eligible for refunds:

• Heavily Consumed Content: Digital products where a significant portion has been downloaded, accessed, or consumed
• Personalized or Custom Services: Content or services created specifically for you based on your requirements
• Expired Refund Timeframe: Requests made outside the specified refund request timeframes
• Free Products: Complimentary items or services provided at no charge
• Third-Party Services: Products or services provided by partners where separate terms apply

However, we evaluate each request on a case-by-case basis and may make exceptions in extraordinary circumstances.

7. Subscription Cancellations

For subscription-based services:

• You may cancel your subscription at any time from your account settings or by contacting customer service
• Cancellation will take effect at the end of your current billing period
• You will retain access to the service until the end of your paid period
• No partial refunds are provided for unused portions of the current billing period unless otherwise specified in this refund policy
• After cancellation, you will not be charged for future billing periods

8. Promotional Offers and Discounts

If you received a promotional discount or used a coupon code for your purchase:

• Refunds will be based on the actual amount paid, not the original price before discounts
• Some promotional offers may have specific non-refundable terms, which will be clearly stated at the time of purchase
• Free trial conversions may have different refund eligibility - please refer to the specific terms provided during the trial sign-up

9. Abuse Prevention

To maintain the integrity of our refund policy and ensure fair treatment for all customers:

• We monitor refund patterns and may limit or deny refunds to customers who appear to be abusing our policy
• Multiple refund requests from the same customer within a short period may be subject to additional review
• We reserve the right to suspend accounts or restrict future purchases from customers who abuse our refund policy

10. Changes to This Policy

We may update our refund policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

The refund policy in effect at the time of your purchase will apply to that transaction, regardless of future policy updates.

11. Contact Information

If you have any questions about our refund policy or need assistance with a refund request, please contact us at:

• Email: [email protected]
• Phone: +46 70 123 4567 (Monday-Friday, 9:00 - 17:00 CET)
• Mail: Swedish Insurance Guide, Sveavägen 123, Stockholm, 11346, Sweden

We aim to respond to all inquiries within 2 business days.