Refund Policy

Boman & Associates Insurance Agency values transparency regarding insurance-related payments, consulting service fees, billing procedures, and refund processing. This Refund Policy explains our practices related to service payments and refund eligibility.

1. Professional Service Payments

Payments for insurance services, consulting engagements, advisory solutions, and related professional services are governed by individual service agreements and applicable California insurance and business regulations. All payment terms will be clearly communicated prior to service engagement.

2. Refund Eligibility

Refund eligibility may vary depending on several factors, including:

• The type of service engaged
• The stage of consulting progress at time of cancellation
• Underwriting review status
• Administrative costs already incurred
• Cancellation timing relative to service commencement
• Terms specified in signed service agreements

3. Service Cancellations

Clients requesting cancellation of services should contact our office as soon as possible. Clients requesting cancellations may remain responsible for:

• Administrative fees incurred prior to cancellation
• Consultation expenses already rendered
• Document preparation and processing costs
• Operational charges already incurred on behalf of the client

Cancellation requests should be submitted in writing to info@banda-ia.com or delivered to our office at 955 N ST, Fresno, CA 93721.

4. Partial or Pro-Rated Refunds

Where applicable and at our discretion, partial or pro-rated refunds may be issued based on the portion of services completed, work performed, and operational costs already incurred. Pro-rated refund calculations will be based on the terms outlined in the applicable service agreement.

5. Non-Refundable Fees

Certain fees may be non-refundable where permitted by applicable law, including but not limited to:

• Administrative processing fees
• Underwriting expenses paid to insurance carriers
• Consultation fees for completed advisory sessions
• Document preparation and filing charges
• Third-party operational costs incurred on behalf of the client

6. Refund Processing

Approved refunds will be processed in a timely manner. Processing timelines may vary and typically require several business days depending on financial institutions, payment processors, and the nature of the original payment method. Boman & Associates will communicate expected refund timelines upon approval.

7. Billing Questions

Customers should contact our office promptly regarding any billing concerns, disputed charges, or payment questions. Early communication helps us resolve issues quickly and effectively. Please contact us at:

• Phone: (559) 269-1000
• Email: info@banda-ia.com

8. No Guarantee of Refunds

Refund approvals are not automatic and remain subject to review based on signed service agreements, the extent of completed services, operational reviews, applicable California law, and the specific circumstances of each case. Boman & Associates reserves the right to make final determinations regarding refund eligibility on a case-by-case basis.

9. Contact Information

For questions regarding this Refund Policy or to submit a refund request, please contact us: