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Business Name: Onestopbyllc
Effective Date: 12/27/2025

This Refund Policy explains how refunds are handled for insurance products and services offered by Onestopbyllc. All refunds are subject to insurance carrier rules and applicable state insurance laws.

General Refund Policy (All States)

• Insurance premiums are not set or controlled by Onestopbyllc.

• Refunds are calculated and issued by the insurance carrier, not the agency.

• Refunds may be issued on a pro-rata or short-rate basis depending on carrier rules and state law.

• Once coverage is bound or effective, refunds are not guaranteed.

• Processing times typically range from 7–30 business days.

Agency service fees, if applicable, may be non-refundable once services are rendered, unless required otherwise by state law or disclosed in writing.

🇺🇸 Texas (TX) Refund Policy

In accordance with the Texas Department of Insurance (TDI):

• Refunds for canceled policies are issued in compliance with Texas Insurance Code.

• Most carriers calculate refunds on a pro-rata basis, unless a short-rate cancellation applies.

• Refunds are generally issued to the named insured.

• Any agency service fees disclosed and agreed upon are earned when services are performed and may be non-refundable unless otherwise required by Texas law.

📌 Texas consumers with concerns may contact the Texas Department of Insurance.

🇺🇸 California (CA) Refund Policy

In accordance with the California Department of Insurance (CDI):

• California law generally requires pro-rata refunds when a policy is canceled by the insured.

• Short-rate penalties may apply if allowed by the carrier and policy terms.

• Refunds must be issued within the timeframe required by California law once the carrier processes the cancellation.

• Agency fees must be clearly disclosed in advance and are subject to California consumer protection rules.

📌 California consumers have the right to file complaints with the California Department of Insurance if disputes arise.

🇺🇸 Florida (FL) Refund Policy

In accordance with the Florida Office of Insurance Regulation (OIR):

• Refunds are determined by the insurance carrier and policy terms.

• Refunds may be pro-rata or short-rate, depending on the policy.

• Florida law requires refunds to be issued within a reasonable timeframe after cancellation is processed.

• Any disclosed agency fees may be non-refundable once services are rendered, subject to Florida statutes.

📌 Florida consumers may contact the Florida Department of Financial Services for assistance.

Billing Errors & Duplicate Charges (All States)

If you believe you were billed incorrectly:

• Contact us immediately

• We will review the issue and coordinate with the carrier or payment processor

• Errors will be corrected in accordance with state law

Third-Party Payment Processors

Payments may be processed through third-party platforms. Onestopbyllc is not responsible for delays caused by banks or payment processors.

Contact Information

📞 Phone: 512-660-7335
📧 Email: onestopby.com@gmail.com

Legal Disclaimer

This Refund Policy is provided for informational purposes and does not alter the terms of any insurance policy. Insurance coverage, refunds, and cancellations are governed by the policy issued by the licensed insurance carrier and applicable state law.