01 Return Eligibility

If returns are offered for your purchase, an item may be eligible when the request is made within the return period stated on the relevant product page, order confirmation, or applicable service terms.

Where applicable, returned items should generally:

• Be unused and in their original condition.
• Include original packaging, accessories, and documentation supplied with the item.
• Be accompanied by proof of purchase or an order reference.
• Meet any additional eligibility requirements communicated at the time of purchase.

Certain products or services may not be eligible for return due to their nature, customization, use, or applicable legal restrictions. Any exclusions will be subject to applicable law and the terms presented for the specific purchase.

02 Items That May Not Be Returnable

Where permitted by law and disclosed before purchase, some items or services may be excluded from standard returns, including:

• Customized or personalized products.
• Digital products or services that have already been delivered or performed.
• Items that cannot reasonably be returned for hygiene, safety, or similar reasons after opening or use.
• Items damaged through misuse, neglect, or unauthorized modification after delivery.
• Products specifically marked as non-returnable before purchase.

These examples are not blanket exclusions. Your statutory rights remain unaffected, including rights relating to faulty, misdescribed, or incorrectly supplied goods.

03 Damaged, Defective, or Incorrect Orders

If an order arrives damaged, defective, incomplete, or different from what you ordered, contact us as soon as reasonably possible.

Please provide your order number, a description of the issue, and photographs or other supporting information where useful. We will review the details and explain the available resolution, which may include a replacement, repair, refund, or another remedy required by applicable law.

04 How to Request a Return

To start a return request:

• Contact our team using the details at the bottom of this page.
• Provide your order number and the item or service involved.
• Explain why you are requesting a return and include relevant evidence if needed.
• Wait for instructions and confirmation before shipping any item back.

Do not send items to an address different from the return address confirmed by our team. Unapproved returns may be delayed or difficult to identify.

05 Refund Eligibility and Processing

Once a refund request is reviewed and approved, we will communicate the applicable refund amount and process. Refunds may be issued to the original payment method where possible, unless another method is agreed or required by law.

Processing times vary by payment provider, bank, and payment method. Any timeframe communicated by us is an estimate unless expressly stated otherwise. Your bank or payment provider may require additional time to display the funds.

Where only part of an order is eligible for a refund, the refund may be limited to the eligible portion, subject to applicable law.

06 Return Shipping and Costs

Responsibility for return shipping costs will depend on the reason for the return, the terms presented at purchase, and applicable law. We will communicate any applicable shipping arrangements or costs before you send an item back.

Where an item is defective, damaged, incorrectly supplied, or otherwise covered by a legal remedy, return costs will be handled in accordance with applicable law.

07 Order Cancellations

If you wish to cancel an order, contact us as soon as possible and include your order reference. Cancellation may be possible before an order is processed, dispatched, or a service begins.

If an order has already been processed or a service has started, cancellation may be subject to the applicable purchase terms and legal requirements. Nothing in this policy removes any cancellation rights you may have under applicable law.

08 Exchanges and Replacements

If exchanges are available for the product you purchased, contact us to confirm eligibility and stock availability. Replacement products or alternative resolutions may be offered for damaged, defective, or incorrectly supplied items, in accordance with applicable law.

An exchange is not guaranteed where the requested item is unavailable or the purchase does not qualify for an exchange.

09 Digital Products and Services

For digital products, subscriptions, consultations, or other services, eligibility for cancellation or a refund may depend on whether delivery or performance has begun, the service-specific terms, and applicable law.

If a service has not been delivered as agreed, contact us so we can review the issue and determine an appropriate resolution.

10 Policy Updates

We may update this Refund & Return Policy to reflect changes in our services, procedures, or legal requirements. The updated version will be posted on this page with a revised date. Changes will not remove rights that have already accrued or rights that cannot legally be excluded.

11 Contact Us

For help with a return, refund, cancellation, or order issue, contact Insureo LLC using the information below. Please include your order reference when applicable so we can identify your request.