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Refund Policy

At InsuranceOffers365 (“we,” “us,” or “our”), we strive to provide transparent and valuable services to help you find the right insurance coverage. This Refund Policy explains the conditions under which refunds may or may not be issued for services provided through our website.

1. Nature of Our Services

IMPORTANT: InsuranceOffers365 is an online platform and lead generation service. We connect users with licensed insurance providers, agents, and carriers. We do not:

  • Underwrite or issue insurance policies directly

  • Collect premium payments on behalf of insurance companies

  • Make final determinations on coverage approvals or denials

Because we do not sell insurance policies directly, we do not handle refunds for insurance premiums. All premium refunds, cancellations, and adjustments are handled exclusively by the insurance carrier or licensed agent who issues your policy.

2. Refunds for Insurance Premiums

If you have purchased an insurance policy through one of our partner providers and believe you are entitled to a refund:

  • Contact Your Insurance Provider Directly: Your policy documents will contain contact information for the insurance company or agent who issued your coverage.

  • Cancellation Period: Many insurance policies include a “free look” period (typically 10-30 days) during which you can cancel for a full refund. This varies by state and type of insurance.

  • Pro-Rated Refunds: After the free look period, refunds for unused premiums are typically calculated on a pro-rata basis by the insurance carrier.

InsuranceOffers365 has no authority to process, approve, or deny refunds for insurance policies. Any disputes regarding premium refunds must be resolved directly with the insurance company.

3. Refunds for Services Rendered by InsuranceOffers365

InsuranceOffers365 provides free quote comparison and lead generation services to consumers. We do not charge users fees for:

  • Submitting quote requests

  • Browsing our website

  • Contacting our support team

  • Receiving information about insurance products

Therefore, there are no fees to refund for our core services.

4. Hypothetical Future Paid Services

If InsuranceOffers365 introduces any paid services in the future (such as premium matching, consultation fees, or expedited services), the following refund conditions will apply:

  • Digital Products/Services: All sales of digital products or non-tangible services are final unless otherwise specified at the time of purchase.

  • Service Cancellation: If you cancel a recurring service, you will continue to have access to that service until the end of your current billing period, and no further charges will be made.

  • Dissatisfaction: If you are unsatisfied with a paid service, you must contact us within 14 days of purchase to discuss potential remedies, which may include a partial or full refund at our discretion.

Note: As of the Last Updated date above, InsuranceOffers365 does not charge users for any services. This section applies only if paid services are introduced in the future.

5. Incidental Charges

InsuranceOffers365 is not responsible for:

  • Bank fees, overdraft charges, or foreign transaction fees incurred due to premium payments made to insurance providers

  • Charges resulting from errors in information you provided to insurance carriers

  • Fees associated with denied claims or coverage disputes

6. How to Request Assistance

If you believe you have been incorrectly charged by InsuranceOffers365 (for example, if we introduce paid services and an error occurs), or if you need assistance understanding your insurance provider’s refund policy, please contact us:

  • Email: info@insuranceoffers365.online

  • Phone: +1 800 523 3854

  • Mailing Address: [Insert your business mailing address here, if available]

We will respond to your inquiry within 3-5 business days and do our best to assist you or direct you to the appropriate party.

7. Dispute Resolution

If you have a dispute regarding a charge or refund request:

  1. Step 1: Contact us directly using the information above to resolve the issue informally.

  2. Step 2: If we cannot reach a resolution, you may submit a dispute through your financial institution.

  3. Step 3: Any legal disputes shall be governed by the laws of [Insert Your State/Country] and resolved exclusively in the courts of [Insert Your City/County] .

8. Chargebacks

If you dispute a charge with your bank or credit card company (a “chargeback”) without first attempting to resolve the issue with us:

  • We reserve the right to dispute the chargeback by providing evidence of the transaction and our terms.

  • If a chargeback is filed in error, you may be responsible for any associated fees and costs incurred by InsuranceOffers365.

  • We also reserve the right to terminate your access to our website if you abuse the chargeback process.

9. Policy Changes

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to this page, with the “Last Updated” date revised accordingly.

If we introduce paid services in the future, we will update this policy to reflect specific refund terms for those services before any charges are incurred by users.

10. Contact Us

If you have any questions about this Refund Policy, please reach out to us: