Terms of Use for Insurance Services for Seniors

Last Updated: May 15, 2025

1. Acceptance of Terms

By accessing and using our Insurance Services for Seniors website, you agree to these Terms of Use. These terms govern your use of our online insurance services specifically designed for senior citizens in Canada.

2. Definitions

  • Service: Online insurance information and consultation platform for seniors
  • User: Individual aged 55 and above accessing our insurance services
  • Content: All information, resources, and materials provided on the website

3. User Eligibility

Users must be:

  • Canadian residents
  • 55 years of age or older
  • Capable of understanding and agreeing to these terms

4. User Rights and Obligations

4.1 User Rights

  • Access to comprehensive insurance information
  • Confidential consultation services
  • Protection of personal information

4.2 User Obligations

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

5. Intellectual Property Rights

All website content, including text, graphics, logos, and design, is the exclusive property of our organization and protected by Canadian intellectual property laws.

6. Content Ownership and Licensing

  • Users retain ownership of personal information provided
  • We retain full rights to website content and design
  • No content may be reproduced without explicit written permission

7. Service Limitations and Liability

7.1 Limitation of Liability

  • Services provided “as is” without warranties
  • Maximum liability limited to direct service costs
  • Not responsible for indirect or consequential damages

7.2 Service Interruptions

  • We reserve the right to modify or discontinue services
  • No guaranteed continuous or uninterrupted access

8. Data Privacy and Protection

We adhere to Canadian Personal Information Protection and Electronic Documents Act (PIPEDA) guidelines, ensuring:

  • Secure data handling
  • Confidentiality of personal information
  • Transparent data usage practices

9. Dispute Resolution

9.1 Dispute Mechanism

  • Initial resolution through direct communication
  • Mediation by Canadian dispute resolution services
  • Jurisdiction: Ontario, Canada

9.2 Arbitration

  • Disputes resolved through binding arbitration
  • Conducted in accordance with Canadian law

10. Service Termination

We reserve the right to:

  • Suspend or terminate user accounts
  • Modify service offerings
  • Refuse service without prior notice

11. Modification of Terms

We may update these terms periodically. Continued use of the service constitutes acceptance of modified terms.

12. Contact Information

For inquiries or concerns:

13. Governing Law

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

14. Acknowledgment

By using our services, you acknowledge understanding and agreeing to these terms.

© 2025 Insurance Services for Seniors. All Rights Reserved.