Fulfillment Policy: Refunds and Cancellation

Thank you for choosing Pattern for purchasing embedded insurance products. We strive to provide products and services of the highest quality to ensure your satisfaction. We understand that circumstances may arise where you may need to inquire about refunds or cancellations. This policy outlines how we handle such requests and sets expectations for both parties involved.

Refund Policy:

  1. Eligibility: Refunds are applicable only for certain circumstances and are subject to the terms outlined in this policy. Membership fees, processing fees, and non-refundable charges may still apply regardless of the refund eligibility.
  2. Embedded Insurance Products: As an embedded insurance platform, the refund eligibility of insurance products may vary based on the policies set by the insurance providers we collaborate with. Please refer to the specific insurance product page or contact our customer support for detailed information on the refund eligibility of each product.
  3. Non-Insurance Products: For non-insurance products such as software, hardware, or other tangible goods associated with the embedded insurance product, our general refund policy applies.

General Refunds for Non-Insurance Products:

  1. Refund Eligibility: We offer refunds for non-insurance products if the following conditions are met:

– A valid refund request is made within 14 days of the original purchase date, or

– The booking with which the product is associated was cancelled and we received such a notification from the booking agent.

  1. 2. Return Process: To initiate a refund, please contact our customer support at support@patterninsurance.com with your protection number and the refund request. We will guide you through the return process and provide any additional information required.
  2. 3. Refund Method: Refunds for eligible products will be processed using the same payment method used for the original purchase.

Cancellation Policy:

  1. Embedded Insurance Products: Due to the embedded nature of the insurance products we offer, cancellation policies are subject to the terms set by the insurance providers. Please review the specific insurance policy terms and conditions. Most products can be cancelled and refunded within 10 days provided that the insured event has not yet started.
  2. Non-Insurance Products: Cancellation of non-insurance products is generally allowed before the associated booking has started. Please refer to the specific product’s Terms and Conditions of Use.

We recommend carefully reviewing the specific refund and cancellation policies associated with each product before making a purchase. If you have any further questions about our fulfillment policy, please don’t hesitate to contact our customer support team for clarification.

Note: This fulfillment policy is subject to change at any time without prior notice. Please refer to the latest version available on our website for the most up-to-date information.