Refund Policy

This Refund Policy governs the terms of cancellation, refunds, and processing of user requests on the polis.ge website.

The polis.ge website is operated by CAP Group LLC (TIN: 400465304).

1. General Provisions

polis.ge provides access to purchasing insurance policies from partner insurance companies.

Refunds are processed in accordance with:

• insurance company rules;
• policy status;
• policy start date;
• fact of insurance coverage activation.

2. Refund Conditions

A refund request may be considered only in the following cases:

• double payment;
• confirmed technical error on the platform or payment system;
• other cases explicitly provided by the insurance company rules.

Each request is reviewed individually.

3. Refund Restrictions

Refunds are not issued in the following cases:

• if the insurance policy has been successfully issued;
• if the user provided incorrect data during purchase;
• if the user changed their mind after issuing the policy;
• if the trip was cancelled;
• if the policy was not used;
• if the insurance coverage has already started;
• if refunds are restricted by insurance company rules.

After issuing the policy, the user is responsible for the accuracy of the provided data.

4. Request Review Procedure

To process a request, the user must provide:

• policy number;
• contact details;
• reason for the request;
• payment confirmation (if required).

Requests are reviewed within a reasonable time after all required information is received.

5. Refund Timeframes

If a refund is approved, funds are returned using the same payment method used for the purchase.

Processing time depends on:

• the user's bank;
• the payment system;
• internal procedures of financial institutions.

6. Additional Services and Partner Offers

Additional partner services, including:

• tour offers;
• transfers;
• excursions;
• hotels;
• other third-party services

may be governed by separate refund policies of respective partners.

polis.ge is not responsible for refund terms of third-party services.

7. Limitation of Liability

polis.ge and CAP Group LLC do not guarantee refunds in all cases, as final refund conditions may be determined by insurance companies and payment providers.