Refund Policy

Last Updated: September 1, 2023

At EuroCover Insurance, we strive to provide high-quality consultancy services that meet our clients' expectations. We understand that circumstances can change, and we have established this refund policy to address situations where you may need to cancel a service or subscription.

1. Satisfaction Guarantee

EuroCover Insurance offers a 100% satisfaction guarantee on all our consultancy services. If you're not completely satisfied with the quality of our service, we will provide a refund or credit at our discretion.

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

2. Eligibility for Refunds

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

• Service Quality Issues: If our services did not meet the professional standards described in our service descriptions
• Technical Difficulties: If technical issues prevented the delivery of our services as promised
• Double Charges: If you were charged multiple times for the same service
• Cancellation Before Service Delivery: If you cancel before your scheduled consultation or before we begin work on your case
• General Dissatisfaction: If you are unhappy with a service for any reasonable cause

3. Refund Request Timeframe

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

• 7 days of service delivery for one-time consultations
• 30 days of payment for subscription services
• 48 hours before the scheduled appointment time for consultation cancellations

Refund requests submitted after these timeframes will be evaluated on a case-by-case basis and may be eligible for partial refunds or account credits only.

4. How to Request a Refund

5. Refund Methods and Processing Time

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

• Credit/Debit Card Payments: Refunds typically appear on your statement within 5-10 business days, depending on your card issuer.
• Bank Transfers: Refunds are typically processed within 5-7 business days.
• Other Payment Methods: Refund timing will vary based on the specific method used.

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

6. Subscription Cancellations

6.1 Cancellation of Monthly Subscriptions

You may cancel a monthly subscription at any time through your account settings or by contacting our customer service team. When you cancel:

• You will continue to have access to the subscription services until the end of your current billing period.
• No refunds are provided for partial billing periods.
• Your subscription will not auto-renew for the next billing period.

6.2 Cancellation of Annual Subscriptions

For annual subscription plans:

• Cancellations within the first 30 days: You are eligible for a full refund.
• Cancellations after 30 days: You may receive a prorated refund for the unused portion of your subscription, less a 15% administrative fee.
• No refunds will be issued for the final month of the subscription period.

7. Non-Refundable Items

The following are generally not eligible for refunds:

• Services that have been fully delivered and do not have quality issues
• Services canceled less than 48 hours before the scheduled appointment time
• Custom research or specialized reports that have been completed and delivered
• Subscription charges for billing periods where you have used the service

However, we evaluate each situation individually and may make exceptions based on the specific circumstances.

8. Disputes and Appeals

If your refund request is denied and you believe this decision is incorrect:

1. Contact our customer service team with additional information or clarification.
2. If the issue remains unresolved, you may escalate the matter by emailing our customer relations department at [email protected].
3. Include "Refund Appeal" in the subject line and provide all relevant details about your case.

We will review your appeal and respond within 10 business days with our final decision.

9. Changes to This Policy

We reserve the right to modify this refund policy at any time. Changes will be effective immediately upon posting on our website. It is your responsibility to review this policy periodically for updates.

The refund policy that was in effect at the time of your purchase will apply to your refund request.

10. Contact Information

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

EuroCover Insurance
Nørregade 41
1165 København, Denmark
Email: [email protected]
Phone: +45 3344 5566
Hours: Monday-Friday, 9:00 - 17:00 CET