**Credit Card Refund Policy for Apex Insurance Brokers LLC/Onetrust Insurance Partners LLC/Onetrust Risk Management & Insurance**

At Apex Insurance Brokers LLC/Onetrust Insurance Partners LLC/Onetrust Risk Management & Insurance, we strive to provide our customers with exceptional service and satisfaction. We understand that circumstances may arise where a refund is necessary. This policy outlines the procedures and conditions for obtaining a refund on credit card transactions for insurance services rendered by our agency.

**1. Eligibility for Refunds:**
  - Refunds are only applicable to transactions made using a credit card.
  - Refunds are considered on a case-by-case basis and are subject to review by our customer service team.
  - Refunds may be granted under the following circumstances:
    - Overpayment or duplicate payment.
    - Errors in billing or charges.

**2. Refund Process:**
  - Customers must contact our customer service department to initiate the refund process.
  - Customers may be required to provide proof of transaction and any relevant documentation supporting the refund request.
  - Refunds will be issued to the original credit card used for the transaction.
  - Processing times for refunds may vary depending on the financial institution and may take up to 7 business days to reflect on the customer's credit card statement.

**3. Refund Period:**
  - Refund eligibility varies depending on the type of insurance policy purchased. Customers are advised to refer to their policy documents or contact our customer service department for specific details regarding refund periods.

**4. Non-Refundable Fees:**
  - Certain fees and charges associated with insurance policies may be non-refundable. These include but are not limited to administrative fees, processing fees, and policy fees. Customers will be notified of any non-refundable fees at the time of purchase.

**5. Dispute Resolution:**
  - In the event of a dispute regarding a refund, customers are encouraged to contact our customer service department for resolution. We are committed to resolving disputes in a fair and timely manner.

**6. Policy Updates:**
  - Apex Insurance Brokers LLC/Onetrust Insurance Partners LLC/Onetrust Risk Management & Insurance reserves the right to update or modify this refund policy at any time without prior notice. Any changes will be effective immediately upon posting on our website or other communication channels.

By engaging in a transaction with Apex Insurance Brokers LLC/Onetrust Insurance Partners LLC/Onetrust Risk Management & Insurance, customers acknowledge and agree to abide by the terms and conditions outlined in this credit card refund policy.

For further inquiries or assistance regarding refunds, please contact our customer service department at [insert contact information].

Last updated: February 2024

Apex Insurance Brokers LLC/Onetrust Insurance Partners LLC/Onetrust Risk Management & Insurance

543 Cox Rd Ste E-5

Gastonia, NC 28054