Refund & Credit Policy

Effective Date: June 25, 2026
Operated by: ANY ADS LLC
Shams Business Center, Sharjah Media City Free Zone, Al Messaned, Sharjah, UAE
hello@writesure.co

1. Overview

This Refund & Credit Policy explains how charges, credits, and disputes are handled on the Writesure platform operated by ANY ADS LLC. By using the Service, you agree to the terms outlined below.

Leads are exclusive, real-time digital products. Once a lead is delivered to you, it cannot be returned, resold, or reassigned. Because of this, we do not offer change-of-mind refunds. We stand behind lead quality in two concrete ways:

1. Invalid-lead guarantee. Any lead that fails our quality criteria is fully credited or refunded when you report it within the reporting window below.
2. You control your spend. You can lower your bids and daily caps, pause delivery, remove your payment method, or close your account at any time — so you are never locked into buying leads you no longer want.

2. No Change-of-Mind Refunds

Because each lead is exclusive and delivered to you in real time, we do not provide refunds simply because a lead did not convert, was not contacted, or did not meet your expectations as a sale. A lead being difficult to convert is not the same as a lead being defective.

This is not a "no refunds under any circumstances" policy. Defective leads are covered by the invalid-lead guarantee in Section 3, and you can stop or limit your spending at any time. This disclosure is presented before you add a payment method, and you confirm your understanding when you do.

3. Invalid-Lead Guarantee — Credits and Refunds

3.1 When a Lead Is Covered

If you receive a lead that is verified as invalid, you are entitled to a full credit or refund of the price you paid for that lead. A lead is considered invalid if:

• The phone number is disconnected or does not belong to the named individual.
• The lead contains fabricated or clearly fake personal information.
• The consumer's actual state of residence does not match the state reported in the lead data.
• The consumer credibly denies ever submitting a request for insurance information.
• It is a duplicate: the same consumer (matched by phone number) was previously delivered to you through Writesure.

Full criteria are defined in our Lead Quality Policy.

3.2 How Credits and Refunds Work

Because Writesure uses a pay-as-you-go (postpay) billing model, a verified invalid lead is resolved as follows:

• If the lead has not yet been charged (it is still part of your unpaid, accrued balance), we remove it from that balance. You are simply never charged for it.
• If the lead has already been charged to your payment method, we refund the amount to your original payment method, or credit it against your next charge, at your preference.

Either way, you receive the full price you paid for the invalid lead. We never charge you for a lead that fails our quality criteria.

3.3 What Does Not Qualify

The following are normal parts of the lead-to-sale process and do not qualify for a credit or refund:

• The consumer does not answer the phone or respond to contact attempts.
• The consumer is not interested in purchasing insurance at this time.
• The consumer has already purchased from another source.
• The consumer has a pre-existing health condition that affects eligibility.
• The consumer requests a lower coverage amount than expected.
• You were unable to reach the consumer after multiple attempts.

Lead quality is measured by the accuracy and legitimacy of the data at the time of submission, not by whether a sale is ultimately made.

4. How to Report an Invalid Lead

To request a credit or refund for an invalid lead:

1. Identify the lead by its Lead ID, delivery date, and the specific reason you believe it is invalid.
2. Submit your report via email to hello@writesure.co or through the feedback channel in your dashboard.
3. Submit your report within 7 calendar days of lead delivery.
4. Provide any supporting evidence (for example, a screenshot of a disconnected-number notification or a call log).

We will acknowledge your report within 1 business day and notify you of the outcome within 5 business days. If the lead is confirmed invalid, the credit or refund is applied as described in Section 3.2.

The 7-day reporting window is firm. Reports submitted more than 7 calendar days after delivery will not be reviewed or eligible for a credit or refund. This deadline applies to all leads regardless of the reason for the report, and ensures timely resolution and accurate quality tracking. We recommend reviewing leads promptly upon delivery.

5. Fair Use and Account Review

To keep the marketplace sustainable and fair to everyone, we monitor the rate of invalid-lead reports per account:

• If your confirmed invalid-lead rate exceeds 25% of leads delivered within any rolling 30-day period, we may pause delivery to your account and begin a review.
• During a review, we may request additional documentation, adjust your targeting or delivery settings, or take other reasonable steps to identify the cause.
• If the review finds the cause is on our side (for example, a specific source producing low-quality leads), we will correct it and resume service.
• If the review indicates a pattern of fraudulent or bad-faith reports submitted to obtain credits, we may suspend or terminate the account in accordance with our Terms of Service.

We will notify you promptly if your account is flagged for review and give you an opportunity to discuss the situation before any final action is taken. This protects honest agents from bearing the cost of abuse, and protects you from being charged for genuinely defective supply.

6. Credit Terms

Where a resolution is applied as a credit (rather than a refund to your payment method):

• The credit offsets your future lead charges.
• It is not redeemable for cash and cannot be transferred to another account.
• It does not expire while your account remains active.
• If your account is closed, any unused credit is forfeited; you may instead request that an eligible amount be refunded to your payment method before closure.

7. Dispute Escalation

If you disagree with our determination on a credit or refund request, you may escalate by:

1. Responding to the outcome notification with additional information or evidence.
2. We will conduct a secondary review within 5 business days.
3. If the matter remains unresolved, you may contact us at hello@writesure.co to discuss further.

We are committed to resolving disputes fairly and promptly.

8. Chargebacks

We log every transaction with supporting evidence, including:

• Your acknowledgment of this policy at the time you added your payment method.
• The delivery timestamp and method for each lead.
• The lead data delivered.
• The TrustedForm certificate, IP address, and session data associated with the lead.

If you have an issue with a charge, we ask that you contact us first so we can resolve it quickly through the credit and refund process above — this is almost always faster than a bank dispute. If you do file a chargeback, we will respond by providing your bank with the full evidence record for the charge.

9. Changes to This Policy

We may update this policy from time to time. Changes will be posted on our website and communicated to active accounts. Continued use of the Service after changes are posted constitutes acceptance.

10. Contact

For questions about this policy or to submit a credit or refund request, contact us at:

ANY ADS LLC
Shams Business Center, Sharjah Media City Free Zone, Al Messaned, Sharjah, UAE
Email: hello@writesure.co