Terms of Use for Senior Insurance Services

Last Updated: 2025-05-20

1. Introduction

Welcome to our Senior Insurance Services platform. These Terms of Use govern your access and use of our insurance services specifically designed for seniors in Canada. By accessing or using our services, you agree to be bound by these terms.

2. Definitions

  • Platform: Our online insurance services website
  • User: Any individual aged 55 and above accessing our services
  • Service: Insurance consultation, comparison, and application tools
  • Company: The insurance service provider operating this platform

3. User Eligibility

To use our services, you must:

  • Be a Canadian resident
  • Be 55 years of age or older
  • Have legal capacity to enter into insurance agreements
  • Provide accurate and current personal information

4. User Rights and Obligations

User Rights

  • Access to comprehensive insurance service information
  • Confidential personal data handling
  • Right to request service modifications
  • Transparent communication about insurance options

User Obligations

  • Provide accurate personal and medical information
  • Maintain account confidentiality
  • Use services for legitimate insurance purposes
  • Comply with Canadian insurance regulations

5. Intellectual Property Rights

All content, including text, graphics, logos, and software, is owned by our company and protected by Canadian intellectual property laws. Users may not:

  • Reproduce or distribute platform content
  • Create derivative works
  • Use our intellectual property without explicit written permission

6. Content Ownership and Licensing

Users retain ownership of personal information submitted. By using our platform, you grant us a non-exclusive, worldwide license to:

  • Process insurance-related requests
  • Provide personalized service recommendations
  • Store and manage submitted information

7. Limitation of Liability

Our platform provides information and services “as is” without warranties. We are not liable for:

  • Indirect or consequential damages
  • Insurance product performance
  • Third-party insurance provider actions
  • Data transmission errors Maximum liability is limited to direct damages, not exceeding $500 CAD.

8. Dispute Resolution

Any disputes will be resolved through:

  1. Direct negotiation
  2. Mediation in Ontario, Canada
  3. Arbitration under Canadian law
  4. Provincial court jurisdiction in Ontario

9. Service Termination

We reserve the right to terminate or suspend user access for:

  • Violation of terms
  • Fraudulent activity
  • Incomplete or inaccurate information
  • Suspected unauthorized access

10. Modifications to Terms

We may update these terms periodically. Significant changes will be:

  • Communicated via email
  • Posted on the platform
  • Effective immediately upon publication

11. Contact Information

For inquiries or concerns, please contact:

12. Governing Law

These terms are governed by and construed in accordance with the laws of Canada, specifically Ontario provincial regulations.

13. Acceptance of Terms

Continued use of our platform constitutes acceptance of these terms.

Conclusion

By accessing our Senior Insurance Services, you acknowledge understanding and agreeing to these Terms of Use.