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Return Policy

You have up to 30 days from date of purchase to request an exchange or a full refund with no questions asked. Your return must be in new condition, with accompanying packaging unless defective. Shipping charges are not refundable. All returns should be shipped by an insured carrier.

RMA Policy

All returned merchandise must be accompanied by a valid RMA (Returned Merchandise Authorization) number issued by our Customer Service Department. All merchandise received without a valid RMA # could delay refund or exchange. To obtain an RMA number you may email or call 888-220-1822. Please enclose your receipt and request for an exchange or a refund. We appreciate your help in following this procedure. This will allow us to expedite your refund or exchange.

Privacy and use of information

Carmel Financial Services does not share any information about our customers with other firms with the exception of those firms that we're partnered with and are performing a service related to the servicing of your account. We respect our customers’ privacy and the sensitive nature of the information that is provided. We value the standards in place when it comes to privacy issues and (when we can) attempt to exceed them.

Recording phone calls and Privacy Policy

Calls are recorded for quality and assurance. In some cases we use them to help quickly resolve any potential misunderstanding or situations that need clarity. This helps to both protect the company and the customer. It has proven to be a tremendous value in being able to resolve situations quickly and efficiently to all parties’ mutual satisfaction. When a caller calls our sales or customer service department, the greeting notifies them that the calls may be recorded. For information about our privacy policies please email

Customer Service Best Practices Policies and Procedures

We realize that in the course of normal commerce there may be situations where the customer and the company disagree. Consequently, Carmel Financial Services has a dedicated team to review specific customer situations to achieve a satisfactory resolution.



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Contact Us: 800-727-2987
Address:101 E. Carmel Drive, Suite #116 Carmel, IN. 46032

© 2007 Carmel Financial–All rights reserved

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