Terms of Service

Effective Date: 09-01-2026

Welcome to careplanhub. These Terms of Service govern your use of our insurance selection services for pensioners available at careplanhub.pro. By accessing or using our services, you agree to comply with and be bound by these terms.

1. Services Overview

careplanhub provides personalized assistance in selecting insurance plans suitable for pensioners, aimed at supporting informed decision-making based on individual needs.

2. Service Types

2.1 Services

Our core insurance selection assistance services involve consultations and personalized advice. These services are provided digitally or over the phone.

2.2 Informational Products

We also offer informational materials such as ebooks and guides related to insurance options for pensioners.

2.3 Physical Goods

At times, careplanhub may provide physical materials or promotional items related to our offerings.

3. Refund and Cancellation Policy

3.1 Service Refunds

If you are unsatisfied with the service provided, you may request a refund within 7 calendar days after completion of the service. Refunds will be issued via the original payment method, unless otherwise agreed. Alternatively, you may request to transfer the service to a different scheduled session if applicable.

3.2 Informational Products Refunds

Due to the digital nature of our informational products, refunds are not available once the product has been downloaded or accessed. If there is a technical issue preventing access, please contact us to resolve the issue.

3.3 Physical Goods Refunds

Physical goods may be returned within 14 calendar days of receipt in their original condition. Refunds will be processed to the original payment method upon receipt and inspection of returned items. Return shipping costs are the responsibility of the customer unless the item is defective or damaged upon delivery.

3.4 Non-Refundable Services

Certain specialized personalized consultations that require dedicated preparation and scheduling are non-refundable. This policy is because these services involve time and resources committed specifically for the client and cannot be resold.

4. Service Transferability

With prior notice and approval, some services may be transferred to another individual or rescheduled. Contact careplanhub through our form at Contact Form for such requests. Transfers or reschedules should be requested at least 48 hours in advance.

5. Contact Information

If you have questions or need support, please contact careplanhub at:

You may also reach us through our contact form.

6. Changes to Terms

careplanhub reserves the right to update or modify these Terms of Service at any time. Changes will be effective upon posting on our website with the updated effective date.

Thank you for choosing careplanhub. We are committed to providing you with the highest quality service.