A clear approach to cancellations and refunds.
InsureWise, operated by Power Deals LLC, provides insurance-related information, consultation, communication, and inquiry services through its website. This policy explains how payment and cancellation matters are handled where a payment or paid service applies.
The InsureWise website is primarily intended for insurance-related information and inquiries. If no fee has been charged for a particular website interaction or consultation, there is no payment to refund. Where a paid service or transaction is introduced, the specific terms presented at the time of purchase may also apply.
Nature of Our Services
InsureWise provides insurance-related information, consultation, communication, and inquiry services.
The website may provide information concerning Auto, Home, Life, Commercial, and Medicare insurance.
Website inquiries and general consultations do not automatically constitute the purchase of an insurance policy or guarantee that insurance coverage will be issued.
General Website Use
Browsing website pages and reading publicly available information does not create a payment obligation.
Free Inquiries
A free inquiry or contact submission does not create a refundable transaction.
Paid Services
If a paid consultation or other paid service is offered, the applicable payment terms will be presented before payment is completed.
Insurance Policies
Insurance products may be subject to separate policy, insurer, carrier, plan, cancellation, and refund rules.
Refund Eligibility
Where InsureWise charges a fee directly for a service, eligibility for a refund will depend on the terms applicable to that specific service and transaction.
Unless a separate written or transaction-specific refund commitment applies, payment for a service does not automatically create a right to a refund simply because a user changes their mind after the service has been provided.
Circumstances That May Be Reviewed
A refund request may be reviewed where appropriate, including circumstances such as:
- A duplicate charge was processed.
- A payment was processed incorrectly.
- A paid service could not be delivered because of an issue attributable to the service provider.
- A refund is specifically required by the applicable transaction terms or applicable law.
Situations That May Not Qualify
Where legally permitted and subject to any applicable transaction-specific terms, the following circumstances may not independently create an entitlement to a refund:
- A user changes their mind after receiving a completed consultation or service.
- A user does not agree with general insurance information provided during a consultation.
- An insurance policy or coverage option is unavailable or unsuitable because of eligibility or underwriting requirements.
- A third-party insurer, carrier, provider, or plan applies its own cancellation or refund rules.
- A user fails to attend a scheduled appointment without following the applicable cancellation process, where a paid appointment fee and specific no-show terms apply.
These circumstances do not override any mandatory consumer protection, insurance, payment, or other legal rights that may apply.
Cancellation Requests
If you need to cancel a paid service, you should contact InsureWise as soon as reasonably possible using the contact method provided on the website.
Cancellation requests should include enough information to identify the relevant transaction, such as the name used for the transaction, transaction date, and other non-sensitive transaction information.
Submit the Request
Contact us as soon as possible and explain the cancellation or refund request.
Transaction Review
The relevant transaction and applicable service terms may be reviewed before a decision is made.
Resolution
If a refund is approved, it will be processed using the applicable payment method or another lawful method appropriate to the transaction.
Consultation Services
If InsureWise offers a paid consultation, cancellation and refund terms applicable to that consultation may be presented during the booking or payment process.
Before a Consultation
Where a cancellation is made before the applicable service has started, the request may be reviewed according to the specific cancellation terms presented at the time of booking.
After a Consultation
Once a consultation has been substantially completed, a refund is not automatically available unless the applicable service terms, an approved exception, or applicable law provides otherwise.
Rescheduling
Where scheduling functionality is provided, rescheduling may be available subject to the applicable appointment terms and availability.
Payments
Where payment functionality is available on the website, payment may be processed through a third-party payment processor or another payment system.
The payment provider may have its own terms, privacy policy, security practices, and dispute procedures.
InsureWise does not request that users provide complete payment credentials through ordinary contact forms.
Never send full payment card numbers, security codes, account passwords, or similar credentials through a general website inquiry or email unless an authorized secure payment process specifically requires the information.
Duplicate or Incorrect Payments
If you believe you have been charged more than once for the same service or that an incorrect amount was charged, contact us promptly.
We may review the transaction information and, where an actual duplicate or processing error is confirmed, take appropriate corrective action.
To protect your security, do not send complete payment card numbers or account credentials when reporting a payment issue.
Insurance Products & Third-Party Policies
An insurance policy, plan, or other insurance product may be subject to terms established by the applicable insurer, carrier, provider, or plan.
Cancellation, premium refunds, earned premiums, unearned premiums, policy fees, administrative charges, reinstatement fees, and other transaction matters may therefore be governed by the applicable insurance documentation and applicable law.
A refund from an insurance carrier or provider is different from a refund for a service provided directly by InsureWise. Questions concerning an issued insurance policy should be addressed according to the applicable policy documents and the relevant insurer or provider procedures.
Third-Party Payments & Services
Some payments or transactions may be completed through third-party platforms.
Where a third party processes the payment, cancellation, refund, or dispute, that provider may have additional procedures that apply.
InsureWise does not represent that it controls the refund policies of independent third-party providers.
If a transaction is governed by separate third-party terms, you should review those terms in addition to this policy.
Refund Processing
When a refund is approved, processing time may depend on the payment method, payment processor, financial institution, and other factors outside our direct control.
A refund decision and the actual appearance of funds in an account may therefore occur at different times.
Users should retain the relevant transaction confirmation until the refund or payment issue has been resolved.
Payment Disputes
If you believe a payment was made or processed incorrectly, we encourage you to contact InsureWise first so that the transaction can be reviewed.
Nothing in this policy is intended to restrict any rights or remedies available to you under applicable law or through your payment provider.
If a chargeback or payment dispute is initiated, relevant transaction information may be reviewed and, where appropriate, provided to the applicable payment processor in accordance with its procedures and applicable law.
Exceptions & Applicable Rights
This policy does not remove or restrict rights that cannot lawfully be waived or excluded.
Certain consumer protection, insurance, payment, or other laws may provide rights that apply regardless of a general refund policy.
Where a specific written agreement, transaction disclosure, insurance policy, or applicable law provides different refund or cancellation terms, those applicable terms may govern the relevant transaction.
Nothing in this Refund & Cancellation Policy is intended to waive, limit, or eliminate mandatory rights provided to consumers by applicable law.
Changes to This Policy
This Refund & Cancellation Policy may be updated from time to time to reflect changes to the website, services, payment processes, business practices, or applicable legal requirements.
The updated version will be published on this page and the "Last Updated" date may be revised.
The policy applicable to a particular transaction may also depend on the terms presented to you at the time the transaction was completed.
Refund Questions & Requests
If you have a question about a payment, cancellation, consultation, or potential refund, contact InsureWise using the contact options provided on the website.
Please provide sufficient information to identify the relevant transaction without including unnecessary sensitive payment information.
Never include complete card numbers, security codes, passwords, government identification numbers, or other highly sensitive credentials in an ordinary refund request.