It is the policy of Manifest Marine to refund all unused funds upon request.  This will not include nonrefundable fees incurred by Manifest Marine in the collection of said funds; in practice this means that only approximately 97% of amounts charged to a credit or debit card are refundable.  Of course, if any amounts have been paid or are payable to an insurance company, these amounts are not refundable unless and until they are returned to Manifest Marine by the insurance company.  Monies returned by insurance companies will be discounted at the same commisison rate at which they were paid to the insurance company.  After 24 hours from the time of the charge, refunds will only be made by check payable to and delivered to the client in whose name the payment was made, otherwise a refund directly to the account charged can be made upon request.