Refund and cancellation policy

In short

All sales are final. We do not issue refunds once a payment has been taken, and the only exception is a duplicate or incorrect charge that we made. To stop the next invoice you must email us at least 2 business days before your renewal date, during business hours. Cancel later than that and the next invoice is charged as normal.

All sales are final

Every payment to InsuranceWebStudio is final at the moment it is taken. This covers monthly plan fees, the one-time build fee, extra revisions, AI usage and any pass-through cost. We do not refund for a change of mind, a change in your business circumstances, a decision to move to another provider, or because a plan was bought and then not used. We say this plainly here so nobody is surprised later.

Duplicate and incorrect charges

A refund is issued in one situation only: our billing charged you twice for the same period, or charged an amount that does not match the plan you are on. Email us within 30 days of the charge with the invoice number and we will verify it against our records. Where the error is ours, the difference is refunded to the original payment method within 10 working days.

What is never refunded

• A month of service that has already started, whether or not you used it.
• The $697 one-time build fee, which is invoiced only after your site is live and you have confirmed you are satisfied with it.
• Extra revisions, which are billed after the work is completed.
• AI minutes, message volume, carrier registration and any other cost we pass through at what our providers charge us, because those providers do not refund them to us.
• Domain registration, once the domain has been registered in your name.
• Work already completed on a build that you decide to stop.

How to cancel

Email [email protected] from an address we already correspond with, and say plainly that you want to cancel. Your request must reach us at least 2 business days before your next invoice date, and it must arrive during business hours, which are 9:00 to 17:00 Central Time, Monday to Friday.

We reply to confirm. Until you have that confirmation, treat the subscription as active. If your request arrives with less than 2 business days of notice, the next invoice is charged as normal and the cancellation takes effect at the end of that paid month instead. That charge is not refunded, because all sales are final.

Cancellation by any other route does not count: not a message to a support chat widget, not a reply to a marketing email, not a comment on a call, and not a card cancellation with your bank.

What counts as a business day

A business day is Monday to Friday, 9:00 to 17:00 Central Time, excluding United States public holidays. A message sent outside those hours is treated as arriving at the start of the next business day.

This matters most at weekends. An email sent on Saturday or Sunday does not begin its notice period until Monday morning, so it does not give 2 business days of notice for an invoice due on Monday or Tuesday. If your renewal falls early in the week, send your cancellation the previous Wednesday or Thursday to be certain it lands in time.

What happens after you cancel

Your site stays live and fully managed until the end of the month you have paid for. After that it is taken offline. Your domain is yours and stays registered in your name; tell us where to transfer it and we move it at no charge. We provide an export of your content and articles within 14 days of the final day of service. We keep a copy of your site for 30 days after cancellation in case you change your mind, and delete it after that.

Chargebacks

If you believe a charge is wrong, email us first. We answer billing questions within 2 working days and we correct our own mistakes without argument. Raising a chargeback instead, on a charge that matches the plan you agreed to, results in the service being suspended immediately and the balance being pursued through normal collection channels.

How to reach us

Billing, cancellations and refund questions: [email protected]. Include your business name and the invoice number. We respond within 2 working days.