Refund Policy

PROEHL CAPITAL LLC (“Company,” “we,” “our,” or “us”) is committed to handling billing and refund matters in a fair and transparent manner. This Refund Policy explains the circumstances under which refunds may be issued in connection with payments made to us through our website, payment links, forms, or other authorized channels.

1. General Policy

Because our business may involve insurance-related consultations, quote assistance, application support, administrative services, and communications with third-party carriers or providers, not all payments are automatically eligible for refund.

Refund eligibility depends on the nature of the payment, the stage of service already performed, any third-party processing already initiated, and any applicable carrier or policy terms.

2. Refund Requests

Requests for a refund must be submitted within 14 calendar days of the original payment date, unless a different period is required by applicable law or expressly stated in writing.

All refund requests must be submitted using the contact information listed at the end of this policy and should include sufficient information for us to identify the transaction, including:

Full name
Email address or phone number used in the transaction
Date of payment
Amount paid
Reason for the refund request

3. Eligible Refund Circumstances

Refunds may be considered, at our discretion and subject to applicable law, in circumstances such as:

A payment was made in error
A duplicate payment was processed
A service paid directly to PROEHL CAPITAL LLC was not delivered
The service provided was materially different from what was expressly agreed in writing
A transaction could not be completed and no service was ultimately rendered

4. Non-Refundable Items

Unless otherwise required by law or expressly stated in writing, refunds will generally not be issued for:

Services already rendered, performed, or substantially completed
Consultations that have already taken place
Administrative or processing work already initiated or completed
Fees paid to third parties, carriers, processors, or vendors
Charges associated with completed application handling, underwriting-related processing, or other insurance-related submissions already initiated based on the information provided by the client
Any digital materials, documents, or deliverables that have already been fully provided or accessed

5. Insurance Premiums and Carrier-Related Payments

Any premium payments, policy-related payments, or amounts collected in connection with a life insurance product may be subject to the terms, conditions, cancellation provisions, underwriting outcomes, and refund procedures of the applicable insurance carrier or provider.

PROEHL CAPITAL LLC does not guarantee that carrier-related payments are refundable except as provided by the applicable carrier, policy terms, or governing law. Where a refund is approved in connection with a carrier-related transaction, the timing and method of refund may depend on the carrier or third-party processor involved.

6. Review and Approval

All refund requests are reviewed on a case-by-case basis. Submission of a refund request does not guarantee approval.

We reserve the right to deny any refund request where:

The request falls outside the permitted time period
The service has already been rendered or substantially completed
The payment relates to third-party or carrier-controlled charges
Fraud, abuse, chargeback manipulation, or misuse is suspected
The request is inconsistent with these policies or any separately agreed written terms

7. Refund Processing

If a refund is approved, it will generally be issued to the original payment method used for the transaction, unless otherwise required by law or operationally necessary.

Please allow 7 to 10 business days for approved refunds to be processed, although actual timing may vary depending on the payment provider, bank, card issuer, or third-party processor.

8. Chargebacks

If you believe a charge was made in error, you should contact us first so we can review and attempt to resolve the matter promptly.

Improper, abusive, or fraudulent chargebacks may result in suspension of services, denial of future transactions, and additional action where appropriate.

9. Changes to This Refund Policy

We reserve the right to modify or update this Refund Policy at any time without prior notice. Any changes will become effective upon posting the updated version on this page with the revised effective date.

10. Contact Information

To request a refund or ask questions regarding this Refund Policy, please contact:

PROEHL CAPITAL LLC
Email: proehlcapital@gmail.com
Phone: +1 786-961-1954