1.General Provisions
This Refund Policy governs the procedure and conditions for refunding payments for products and services processed through the website visitgeorgia.online.
Payment for a product or service constitutes acknowledgment and acceptance of this Policy by the user.
This Policy applies in conjunction with the Terms and Conditions of Website Use, the Privacy Policy, the terms of the relevant insurance company, the terms of the purchased insurance product, and applicable law.
2.Status of the Insurance Agent
Legal Residency Group is not an insurance company and does not make decisions regarding insurance coverage, insurance claims, policy cancellations, or premium refunds in cases where such decisions fall within the competence of the relevant insurance company.
The website visitgeorgia.online is operated by CAP GROUP, identification number 400465304 (the “Site Operator”). Insurance agency services for policies arranged through the website are provided by Legal Residency Group, identification number 322776055 (the “Insurance Agent”). Legal Residency Group is the recipient of payments for insurance policies arranged through the website. The Insurance Agent acts as an agent (intermediary), provides consultancy support, and facilitates the arrangement of products and services of its partners.
3.When a Refund is Possible
A refund may be made in the following cases:
- if payment has been made, but the product or service arrangement has not yet been completed;
- if a refund is provided for under the terms of the relevant insurance company or the terms of the purchased product;
- if a refund is required by applicable law;
- if payment was made, but due to a technical or operational error by the Insurance Agent, the arrangement of the paid product or service was not completed and the product or service was not provided to the user.
- Each request is reviewed individually, taking into account the terms of the specific product and the circumstances of the situation.
4.When a Refund is Not Possible
A refund will not be made or may be restricted in the following cases:
- the product has been arranged, issued, activated, or provided to the user;
- the user changed their mind after the product was arranged;
- the user cancelled the trip, changed the itinerary, travel dates, or refused to use the purchased product;
- the user did not use the purchased product for reasons unrelated to the actions of the Insurance Agent;
- the user provided incorrect, incomplete, or false information when arranging the product;
- the user did not read or did not fully read the insurance terms, the terms of the purchased product, limitations or exclusions after the product was arranged;
- grounds for a refund are absent in the rules of the relevant insurance company, the terms of the purchased product, or applicable law.
5.Issuance of Insurance Policy and Service Delivery
The receipt of an insurance policy by the user, or the possibility of receiving it, confirms that the Insurance Agent has rendered the service of arranging the relevant insurance product.
After the insurance policy has been issued, matters of its cancellation, amendment, termination, and refund of funds are governed by the terms of the relevant insurance company, the terms of the insurance product, and applicable law.
6.Errors in Data
The user is responsible for the accuracy and currency of the contact details provided, including the email address and phone number.
Sending the insurance policy or other documents to the email address or phone number provided by the user upon arrangement is considered proper fulfillment of the Insurance Agent’s obligations.
The Insurance Agent is not responsible for the user’s failure to receive documents as a result of providing incorrect, incomplete, or invalid contact details.
If the user contacts the support team, the Insurance Agent may resend documents to the correct contact details during business hours.
7.Decisions of the Insurance Company and Third Parties
The Insurance Agent is not responsible for decisions made by insurance companies, government authorities, border services, consulates, migration authorities, or other third parties.
Denial of entry, visa refusal, deportation, changes in entry rules, changes in legislation, or other decisions by third parties do not constitute an independent basis for a refund, unless otherwise provided by the terms of the relevant product or applicable law.
8.Procedure for Requesting a Refund
Legal Residency Group accepts payment for insurance policies arranged through the website in its capacity as the Insurance Agent. Payment and refund enquiries should be sent to the Insurance Agent at support@visitgeorgia.online.
The Insurance Agent may request additional information and documents necessary for reviewing the request.
Failure by the user to provide the requested information or documents may be grounds for deferring the review of the request until the necessary information is received.
9.Review and Refund Timelines
The review period for a request depends on the nature of the request, the need for verification, and the receipt of information from the Insurance Agent’s partners or the insurance company.
If a refund decision is made, the refund will be processed within a reasonable time using the same payment method used for the original payment, or by another method provided by law or the technical capabilities of the payment system.
Bank, payment system, and other financial intermediary fees that are non-refundable to the Insurance Agent may not be refundable to the user.
10.Dispute Resolution
To resolve a dispute, users may submit a written enquiry to the Insurance Agent or the Insurance Agent, depending on its subject. This does not restrict the right to contact a bank, payment system, public authority or court.
The Insurance Agent strives to resolve disputes through negotiation and good-faith review of user requests.
11.Policy Changes
The Insurance Agent reserves the right to amend this Policy at any time.
The revised version takes effect from the moment of its publication on the Website, unless otherwise stated in the revised version.