Refund & Credit Policy

Effective Date: March 10, 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 payments, credits, and disputes are handled on the Writesure platform operated by ANY ADS LLC. By making a payment or purchasing leads through the Service, you agree to the terms outlined below.

Writesure sells exclusive digital products (insurance leads). Due to the nature of digital products and exclusive lead delivery, all sales are final except as specifically provided in this policy.

2. No Cash Refunds

All payments made to Writesure are non-refundable. This includes:

• Payments made via invoice during the early access stage.
• Account balance top-ups (when the prepaid balance model is available).
• Any other payments made in connection with the Service.

Leads are exclusive digital products that cannot be returned, resold, or reassigned once delivered. Cash refunds are not available under any circumstances.

This policy is disclosed clearly before every purchase, and you will be asked to confirm your understanding and acceptance before completing any payment.

3. Balance Credits for Invalid Leads

3.1 When Credits Are Issued

If you receive a lead that is verified as invalid, you are eligible for a balance credit equal to the full price you paid for that lead. A lead may be 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 lead's state of residence does not match the state reported in the lead data.
• The consumer denies ever submitting a request for insurance information.
• Duplicate data: the same consumer was previously delivered to you through Writesure.

3.2 What Does NOT Qualify for a Credit

The following situations are part of normal lead outcomes and do not qualify for a credit:

• 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.
• You were unable to reach the consumer after multiple attempts.

A lead being difficult to convert is not the same as a lead being invalid. Credits are reserved for verifiably defective lead data, not for unsuccessful sales outcomes.

4. How to Report an Invalid Lead

To request a credit 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 established during onboarding.
3. Reports must be submitted within 7 calendar days of lead delivery.
4. Provide any supporting evidence (e.g., screenshot of disconnected number notification, call log).

We will review your report within 5 business days and notify you of the outcome. If the lead is confirmed invalid, a credit will be applied to your account (or an adjustment will be made on your next invoice during the early access stage).

Reports submitted after 7 calendar days from the delivery date will not be accepted under any circumstances. This deadline is firm and applies to all leads regardless of the reason for the report. We recommend reviewing leads promptly upon delivery and reporting issues as soon as they are identified.

5. Credit Rate Limits and Account Review

To maintain a sustainable and fair marketplace, we monitor the rate of credit requests per account. The following thresholds apply:

• If your confirmed invalid lead rate exceeds 25% of leads delivered within any rolling 30-day period, we reserve the right to pause lead delivery to your account and initiate an account review.
• During an account review, we may request additional documentation, adjust your targeting or delivery settings, or take other reasonable steps to identify the cause of the high invalid rate.
• If the review determines that the high rate is due to issues on our side (e.g., a specific campaign producing low-quality leads), we will take corrective action and resume service.
• If the review indicates a pattern of fraudulent or bad-faith credit requests, we reserve the right to 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 provide an opportunity to discuss the situation before any final action is taken.

We also reserve the right to set a maximum monthly credit cap at our discretion. If a cap is introduced, it will be communicated to you in advance and will apply prospectively only.

6. Credit Terms

• Credits are applied as balance credits and may be used toward future lead purchases only.
• Credits are not redeemable for cash and cannot be transferred to another account.
• Credits do not expire as long as your account remains active.
• If your account is closed, any remaining credits are forfeited.

During the early access stage (invoice-based payments), credits may be applied as adjustments to future invoices rather than account balance credits.

7. Dispute Escalation

If you disagree with our determination on a credit request, you may escalate the dispute 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 dispute remains unresolved, you may contact us at hello@writesure.co to discuss further.

We are committed to resolving disputes fairly and promptly. Our goal is to maintain a quality standard that agents trust.

8. Chargebacks

We strongly encourage you to use our internal dispute and credit process before initiating a chargeback with your payment provider. We log all transactions with the following evidence:

• Consent confirmation (checkbox acknowledgment of no-refund policy).
• Delivery timestamp and method.
• Lead data delivered.
• IP address and session data at time of purchase.

Filing a chargeback without first attempting to resolve the issue through our dispute process may result in account suspension.

9. Account Balance (Future Prepaid Model)

When the prepaid balance model becomes available:

• The minimum deposit will be communicated during onboarding.
• Balance funds are non-refundable and are to be used exclusively for lead purchases.
• You may add funds at any time. There is no maximum balance limit.
• Balance is non-transferable between accounts.

Full terms for the prepaid balance model will be communicated before the transition, and you will be asked to accept updated terms before making any balance deposit.

10. 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.

11. Contact

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

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