Refund Policy

At Swedish Car Insurance Guide, we strive to provide high-quality information and services. This Refund Policy outlines our procedures and guidelines regarding refunds for our paid services. Please read this policy carefully to understand our practices.

While most of our content is freely available, we do offer certain premium services, consultations, and subscription-based features. This policy applies to those paid services.

1. Satisfaction Guarantee

Swedish Car Insurance Guide offers a 100% satisfaction guarantee on all our premium services and subscriptions. If you're not completely satisfied with the quality of our paid services, we will provide a refund or credit at our discretion.

This guarantee applies to both one-time purchases and subscription services within the timeframes specified below.

2. Eligibility for Refunds

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

• Service Quality Issues: If our premium services do not meet the quality standards described in our service descriptions
• Technical Problems: If you are unable to access or use paid features due to technical issues on our end
• Duplicate Charges: If you were charged more than once for the same service
• Unauthorized Purchases: If unauthorized charges were made to your account
• Cancellation Within Allowed Period: If you cancel a subscription or service within the designated refund period

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 premium content or service purchases
• 7 days after the first payment for subscription services
• 48 hours before a scheduled consultation for consultation fees
• 30 days of the charge date for unauthorized or duplicate charges

Refund requests made after these periods will be evaluated on a case-by-case basis and are not guaranteed.

4. How to Request a Refund

5. Subscription Cancellations

For subscription-based services:

• You may cancel your subscription at any time by logging into your account or contacting customer service.
• Cancellations made before the next billing cycle will stop future charges but will not generate a refund for the current billing period unless requested within the timeframe specified in Section 3.
• If you cancel within 7 days of your initial subscription purchase, you may request a full refund.
• After the 7-day period, subscription fees are generally non-refundable for the current billing period.

6. Consultation Services

For our personalized consultation services:

• Consultation fees are fully refundable if cancelled at least 48 hours before the scheduled appointment time.
• Cancellations with less than 48 hours' notice will incur a 50% cancellation fee.
• No-shows or cancellations after the appointment has begun are not eligible for refunds.
• If we need to cancel a consultation, you will receive a full refund or the option to reschedule at no additional cost.

7. Premium Content Purchases

For one-time purchases of premium content or reports:

• Digital content is refundable within 14 days of purchase if you have not downloaded or accessed the content.
• Once digital content has been downloaded or accessed, it is generally non-refundable unless there are significant quality issues or technical problems.
• If premium content does not meet the described specifications or contains significant errors, you may be eligible for a refund regardless of whether you've accessed the content.

8. Refund Methods

Refunds will be processed using the same payment method used for the original purchase unless otherwise agreed upon. The timing of refunds depends on your payment method:

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

In some cases, we may offer store credit or service extensions instead of monetary refunds, particularly for partial refunds or special circumstances.

9. Exceptions and Limitations

The following limitations apply to our refund policy:

• Promotional or discounted services may have modified or limited refund eligibility.
• Custom services or tailored reports created specifically for you are generally not refundable once the work has begun.
• We reserve the right to limit or refuse refunds if we detect abuse of our refund policy, such as patterns of purchase and cancellation or multiple refund requests.
• Refunds may be denied if the service issues were caused by factors outside our control, such as third-party service outages or your technical environment.

10. Insurance Policies Purchased Through Partners

Please note that Swedish Car Insurance Guide is not an insurance provider or broker. We may connect you with insurance providers, but we do not sell insurance policies directly. Refunds for actual insurance policies must be requested directly from the insurance provider according to their own refund policies.

Our refund policy only covers services provided directly by Swedish Car Insurance Guide, such as premium content, consultation services, or subscription fees for our platform.

11. Changes to This Policy

We may update this Refund Policy from time to time. Any changes to our policy will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically for any changes.

Refund requests will be processed according to the policy that was in effect at the time of purchase.

12. Contact Us

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

We are committed to fair and transparent business practices and will address all refund requests promptly and courteously.