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Service-Fee Refund Guarantee

Last Updated: June 10, 2026

Service-Fee Refund Guarantee (Not GAP Refund Guarantee)

Important: We are a document-preparation and claim-assistance service, not a law firm, insurer, lender, or licensed insurance producer. We do not provide legal, financial, insurance, tax, or claims-adjusting advice. We cannot guarantee that your GAP provider will approve your refund claim, as this depends on factors beyond our control including your GAP contract terms, state laws, provider policies, mileage, payoff date, cancellation reason, whether a benefit was already paid, and other individual circumstances. GAP providers make all final refund decisions. We cannot guarantee any refund, response, approval, timeline, or amount from your provider.

However, we do guarantee our service quality: If your GAP refund claim is formally denied by the provider or receives no response after our complete correspondence process, you are entitled to a full refund of your service fee. This guarantee is subject to the terms outlined below.

Service-Fee Refund Guarantee

You're eligible for a full refund of your service fee when we've completed our correspondence process and the provider issues a formal denial or fails to respond within the required timeframe:

  • Formal denial received: We obtain written or documented denial from your GAP provider after submitting your complete claim
  • No response after follow-up: Provider fails to respond within 60 days of our initial submission, despite our automated 14-day follow-up and 30-day final notice
  • Additional requirements beyond our scope: Provider requires notarization or other steps we cannot complete on your behalf, and you're unable to complete them
  • Service not delivered: You did not receive your refund materials (demand letter and claim package), or we failed to submit your claim to your provider, due to our error
  • Document errors: Our prepared documents contain significant errors that prevent claim processing
  • Service delivery failures: We fail to provide promised services, including incorrect provider contact information that prevents claim submission, failure to identify required submission methods (such as phone-only requirements), or unreasonable delays in delivering your documents beyond 5 business days after payment confirmation

Definitions

"Complete correspondence process" means: (1) submission of your claim package to your GAP provider by email and/or certified mail with tracking, (2) an automated 14-day follow-up sent through the same channels if no response is received, followed by a 30-day final notice, and (3) a 60-day response window measured from the date we send your initial submission.

"Significant error" means an error in our prepared documents that caused your provider to reject or refuse to process the claim — for example, a wrong provider name or address, incorrect contract or account identifiers, or a materially wrong refund calculation. Typos or formatting issues that did not prevent processing are not significant errors.

What's NOT Covered

The only exclusions from our guarantee are:

  • You received a refund, but the amount was less than expected (you still got paid)
  • You changed your mind after we completed the correspondence work on your behalf
  • Fraudulent claims or misrepresentation of case facts
  • Provider requires actions you cannot complete independently (e.g., in-person notarization, physical presence requirements) that we identified before submission
  • Delays or failures caused by incomplete or inaccurate information you provided, or your failure to follow submission instructions
  • Provider approved your refund but has not yet paid it — an approval means our service succeeded; payment collection from your provider is outside our scope

How to Request a Refund

To request a refund under this guarantee:

  1. Email us at support@gapinsurancerefunds.com within 30 days of the qualifying event (formal denial, expiration of the non-response deadline, or the service failure).
  2. Include your order confirmation email or transaction ID
  3. Explain which guarantee condition applies to your situation
  4. We'll review your request within 2-3 business days
  5. If approved, your refund will be processed to your original payment method within 5-10 business days

Important Notes

  • •We verify all outcomes directly: We maintain communication with your GAP provider throughout the process and will independently confirm any denial or non-response before issuing refunds
  • •Customer attestation required: Refund requests require your written confirmation that you have not received a refund, supported by our provider correspondence records
  • •Service-fee refund only: This guarantee applies only to the service fee you paid to GapInsuranceRefunds.com, not to any GAP refund from your provider
  • •No GAP refund guarantee: We cannot guarantee that your GAP provider will approve your refund claim, as this depends on factors beyond our control including your GAP contract terms, state laws, provider policies, mileage, payoff date, cancellation reason, and whether a benefit was already paid
  • •Service limitations: Our service is limited to document preparation, provider research, and claim assistance. We do not provide legal, financial, insurance, tax, or claims-adjusting advice, and cannot act as your authorized representative, attorney, or agent. All provider requirements, submission methods, and policies are subject to change without notice.
  • •Good faith effort standard: We guarantee a good faith effort to provide accurate information and effective documents. Provider contact information is compiled from publicly available sources and verified periodically, but may become outdated. We update our directory when errors are reported but cannot guarantee real-time accuracy.
  • •We reserve the right to request proof of purchase and verify eligibility
  • •Abuse of this guarantee (e.g., fraudulent claims, misrepresentation of provider response) may result in denial and account termination
  • •This guarantee is in addition to your rights under applicable consumer protection laws

Still have questions about this guarantee?

Legal Notice

This guarantee constitutes a binding commitment between GapInsuranceRefunds.com and the purchaser. It is governed by the Terms of Service and applicable consumer protection laws. Nothing in this guarantee limits your statutory rights or creates obligations beyond those required by law. All disputes arising from this guarantee are subject to the dispute resolution procedures in our Terms of Service. This guarantee does not create an attorney-client relationship, insurance coverage, or fiduciary duty.