Met de garantie krijg je een terugbetaling.

Because Dutch main clauses follow the verb-second rule.

If the sentence starts with the subject, you get:

Je krijgt een terugbetaling.
= You get a refund.

But here the sentence starts with Met de garantie, so the finite verb must come next:

Met de garantie krijg je een terugbetaling.

So the order is:

• Met de garantie = first element
• krijg = verb in second position
• je = subject

This inversion is very common in Dutch.

Literally, met usually means with. In this sentence, it has a broader meaning: with / under / as part of the guarantee.

So Met de garantie does not mean physically holding a guarantee in your hand. It means something like:

• With this guarantee
• Under this guarantee
• As part of the guarantee

A similar Dutch pattern is:

• Met deze kaart krijg je korting.
  = With this card, you get a discount.

Because garantie is a de-word.

In Dutch, every singular noun takes either de or het, and this has to be learned with the noun.
So:

• de garantie
• een garantie

A useful pattern: many nouns ending in -ie are de-words, such as:

• de vakantie
• de politie
• de familie

So de garantie fits that pattern.

Here je means you, but it is often used in a general sense, like you / one / people in English.

So this sentence could mean:

• you, the customer
• or more generally someone in this situation

It is not necessarily talking to one specific friend in an informal conversation, even though je is the informal form.

If the sentence were more formal, Dutch might use u instead:

Met de garantie krijgt u een terugbetaling.

Terugbetaling is a compound noun:

• terug = back
• betaling = payment

So literally it is something like back-payment, which in natural English becomes refund or repayment.

Dutch forms compounds very freely, and the last part usually determines the basic meaning and the article. Since betaling is a de-word, the full word is also a de-word:

• de betaling
• de terugbetaling

In the sentence, you see the indefinite form:

• een terugbetaling = a refund

Because the sentence is talking about a refund in a general sense, not a specific refund already known from the context.

Compare:

• een terugbetaling = a refund
• de terugbetaling = the refund

If a particular refund had already been mentioned, Dutch would more likely use de.

So this sentence is simply stating the benefit: with the guarantee, you get a refund.

Yes. Krijgen often means to get or to receive, and it is very common in everyday Dutch.

So:

• je krijgt een terugbetaling = you get / receive a refund

Dutch often prefers krijgen in places where English might use receive, especially in normal, non-formal language.

A more everyday alternative is:

Met de garantie krijg je je geld terug.
Literally: With the guarantee, you get your money back.

That sounds slightly more conversational than een terugbetaling.

In consumer and product contexts, garantie often corresponds to English warranty.

So depending on the situation, this sentence could be understood as:

• With the guarantee, you get a refund
• or more naturally in English:
• Under the warranty, you get a refund

Dutch garantie is broader than the everyday English word guarantee, so context matters.

Yes, it is understandable and grammatical.

That said, in everyday Dutch, people might also say:

• Met deze garantie krijg je je geld terug.
• Je krijgt met deze garantie een terugbetaling.
• Onder deze garantie krijg je een terugbetaling.

The original sentence sounds a bit like the language of a website, leaflet, or customer policy.
Een terugbetaling is slightly more formal than je geld terug.