Refund Policy

Last Updated: November 10, 2023

1. Introduction

This Refund Policy outlines the terms and conditions for refunds related to premium services, consultations, or other paid offerings by Swedish Car Insurance Guide ("we," "our," or "us"). By purchasing or using any of our paid services, you agree to the terms of this Refund Policy.

Please note that while our general car insurance information and comparison tools are offered free of charge, we may offer certain premium features, personalized consultations, or specialized reports for a fee. This policy applies only to those paid services.

2. Refund Eligibility

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

  • Service Not Delivered: If you have paid for a service that was not delivered within the promised timeframe.
  • Technical Issues: If you were unable to access paid content or services due to persistent technical issues on our end, despite reasonable attempts to resolve them.
  • Duplicate Charges: If you were charged multiple times for the same service.
  • Quality Concerns: If the paid service had significant quality issues that substantially differed from what was advertised.
  • Cancellation Within Cooling-Off Period: For certain services, if you cancel within the specified cooling-off period (as detailed in Section 3).

3. Refund Timeframes and Cooling-Off Periods

Different services may have different cooling-off periods and refund timeframes:

3.1 Premium Digital Content

For downloadable reports, guides, or other digital content:

  • 14-day cooling-off period from the date of purchase, provided you have not downloaded or accessed the content.
  • Once digital content has been downloaded or accessed, no refund will be available unless there are significant quality issues.

3.2 Personalized Consultations

For scheduled personal insurance consultations:

  • Full refund if canceled at least 48 hours before the scheduled consultation.
  • 50% refund if canceled between 24-48 hours before the scheduled consultation.
  • No refund for cancellations less than 24 hours before the scheduled time, except in cases of emergencies at our discretion.

3.3 Subscription Services

For any recurring subscription services we offer:

  • 14-day cooling-off period from the initial subscription start date, during which a full refund is available.
  • After the cooling-off period, you may cancel at any time to prevent future charges, but no refund will be issued for the current billing period.
  • Partial-month or partial-period refunds are not provided when canceling a subscription mid-billing cycle.

4. Non-Refundable Items and Services

The following items and services are generally not eligible for refunds:

  • Digital content that has been downloaded, accessed, or used
  • Personalized reports or analyses that have been delivered and received
  • Consultations that have already taken place
  • Services canceled after the specified cooling-off period
  • Additional services requested and delivered beyond the original scope

5. How to Request a Refund

Refund Request Process:

  1. Contact Customer Service: Reach out to us via email at [email protected], by phone at +46 70 123 4567, or through the "Contact" page on our website.
  2. Provide Order Details: Include your order or transaction number, the date of purchase, the service purchased, and your contact information.
  3. Explain Refund Reason: Clearly state the reason for requesting a refund, providing any relevant details that support your request.
  4. Documentation: If applicable, provide any supporting documentation (e.g., screenshots of technical issues, records of attempts to access the service, etc.).
  5. Review Process: Our customer service team will review your request and may ask for additional information if needed.

6. Refund Processing

If your refund request is approved:

  • Refunds will be processed using the same payment method used for the original purchase whenever possible.
  • Processing times typically range from 5-10 business days, though it may take longer depending on your payment provider or banking institution.
  • You will receive a confirmation email once your refund has been processed.

In some cases, rather than a monetary refund, we may offer:

  • Account credit for future purchases
  • Replacement services
  • Extended access to services

7. Exceptional Circumstances

We recognize that exceptional circumstances may arise. In cases of serious illness, accidents, or other significant unforeseen events that prevent you from using our services, we may consider refund requests outside our standard policy on a case-by-case basis.

In such situations, we may request reasonable documentation to verify the exceptional circumstances before processing a refund.

8. Changes to This Policy

We may update this Refund Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date at the top. Your continued use of our services following the posting of changes means that you accept and agree to the changes.

9. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer under Swedish or European Union law. If there is a conflict between this policy and applicable consumer protection laws, those laws will prevail.

For consumers in the European Union, you generally have the right to cancel contracts for digital content and services within 14 days, subject to certain exceptions (such as when you expressly consent to immediate access and acknowledge the loss of cancellation rights).

10. Contact Us

If you have any questions about this Refund Policy or need to request a refund, please contact us at:

Swedish Car Insurance Guide
Sveavägen 123
Stockholm, 11346
Sweden

Email: [email protected]
Phone: +46 70 123 4567