Refund & Return Policy

1. Overview

This Refund & Return Policy ("Policy") applies to all purchases, deposits, and services offered by KR Enterprise Group ("Company," "we," "us," or "our") through KR Agency Hub and its related storefronts at krenterprisegroup.app. By placing an order or authorizing a charge, you agree to the terms below in addition to our Terms and Conditions and Privacy Policy.

2. Scope of This Policy

This Policy covers:

• Physical merchandise purchased through the KR marketing shop (branded apparel, printed materials, promotional items).
• Security deposits authorized for event equipment and supplies loans.
• Damage charges captured against a saved payment method for event equipment.
• Digital goods, training content, and platform subscription fees.
• Third-party carrier and enrollment services facilitated through KR Agency Hub.

3. Physical Merchandise (Marketing Shop)

You may request a refund or exchange for physical merchandise under the following conditions:

• Return window: Requests must be submitted within 14 calendar days of the delivery date.
• Condition: Items must be unused, unworn, unwashed, and returned in their original packaging with all tags attached.
• Personalized items: Custom-printed or personalized merchandise (e.g. name-embroidered apparel, agent-specific business cards) is non-refundable except in the case of a manufacturing defect or shipping error.
• Return shipping: The buyer is responsible for return shipping costs unless the item arrived damaged or the wrong item was shipped.
• Refund method: Approved refunds are issued to the original payment method within 5–10 business days after the returned item is received and inspected.

To start a return, contact us at office@krenterprisegroup.com with your order number and the reason for return. Please do not ship the item back before receiving return authorization.

4. Event Equipment Security Deposits

Security deposits collected for event equipment and supplies loans are held as an authorization on your saved payment method via our QuickBooks Online payment processor. Deposits are automatically calculated based on the items requested and are capped at $65.00 USD per request.

• Automatic release: When all equipment is returned in the condition it was issued (verified by barcode scan-in at our warehouse), the deposit authorization is released or captured funds are refunded within 3–5 business days.
• One-click refund: Admin-issued deposit refunds are pushed to your original payment method the same business day.
• Statement descriptor: Refunds may appear on your bank or card statement 1–3 business days after we issue them, depending on your issuer.

5. Damage Charges

If equipment is returned damaged, lost, or with missing components, a damage charge may be captured against the payment method on file, up to the fair repair or replacement cost of the affected item(s). The charge is documented with:

• An itemized description of the damage or missing components.
• Photographs or scan-in records from the warehouse check-in.
• The reference receipt from the QuickBooks capture.

Disputing a damage charge: You have 10 calendar days from the date of the charge to dispute it in writing by emailing office@krenterprisegroup.com. Include your request ID, the itemized dispute, and any supporting evidence. Confirmed billing errors will be refunded in full within 5 business days.

6. Digital Goods, Training & Subscription Fees

Because access to digital training modules, certification content, and platform features is granted immediately upon purchase, digital purchases and platform subscription fees are non-refundable once access has been provisioned, except:

• Where required by applicable law.
• If a duplicate charge was processed in error.
• If the content is materially inaccessible due to a KR Agency Hub outage lasting more than 72 continuous hours.

Recurring subscriptions can be canceled at any time from your account settings. Cancellations take effect at the end of the current billing period; partial-month refunds are not issued.

7. Carrier & Enrollment Services

KR Enterprise Group facilitates carrier appointments, contract onboarding, and enrollment support. Fees paid for these services are refundable only when:

• Cancellation is requested before the underwriting or contracting workflow begins.
• KR Enterprise Group is unable to deliver the specific service purchased, and no equivalent has been offered.

Third-party carrier fees, exam fees, and government filing fees paid on your behalf are non-refundable once remitted to the third party.

8. Cancellations & Order Changes

• Before fulfillment: Orders may be canceled or modified free of charge before they enter the fulfillment queue. Contact us within 24 hours of placing the order.
• After fulfillment: Once an order is packed, scanned, or shipped, it must be handled as a return under Section 3 above.
• Event equipment requests: Requests may be canceled at no cost before the equipment is scanned out of the warehouse. Once scanned out, the deposit authorization remains active until the equipment is returned and checked in.

9. Non-Refundable Items

The following are non-refundable:

• Personalized or custom-printed merchandise (unless defective or shipped in error).
• Digital downloads once accessed.
• Training and certification access after the first sign-in.
• Third-party fees remitted on your behalf (carrier appointment fees, exam fees, state filing fees).
• Gift cards or promotional credits.

10. Damaged or Incorrect Shipments

If your order arrives damaged, defective, or contains the wrong item, please contact us within 7 calendar days of delivery with photographs of the packaging and the affected items. We will arrange a prepaid return label and either replace the item at no cost or issue a full refund.

11. Chargebacks

Before initiating a chargeback with your card issuer, please contact us so we can resolve the issue directly. Unwarranted chargebacks may result in suspension of your KR Agency Hub account and are recovered under our Terms and Conditions.

12. How to Request a Refund

To request a refund, exchange, or dispute a charge:

1. Email office@krenterprisegroup.com or call (863) 288-0577.
2. Include your order number, request ID, or transaction reference.
3. Describe the reason for the request and attach any supporting evidence (photographs, delivery notice, dispute details).
4. You will receive an acknowledgment within 2 business days and a resolution within 10 business days.

13. Changes to This Policy

We may update this Refund & Return Policy from time to time. Changes will be posted on this page with an updated revision date. The version in effect at the time of your purchase governs that transaction.

14. Contact Us

Questions about this Policy or a specific transaction? Reach out: