Terms of Use for Senior Insurance Services

Last Updated: May 15, 2025

1. Introduction

These Terms of Use govern your use of our insurance services website specifically designed for retirees and seniors in Canada. By accessing or using our website, you agree to be bound by these terms.

2. Definitions

  • Service: Online insurance information and consultation platform for seniors
  • User: Individuals aged 55 and older accessing our insurance services
  • Website: The digital platform providing insurance information and services

3. User Eligibility

  • Minimum age requirement: 55 years
  • Users must be Canadian residents
  • Individuals must have legal capacity to enter into insurance agreements

4. User Rights and Obligations

4.1 User Rights

  • Access to comprehensive insurance service information
  • Confidential consultation services
  • Protection of personal data
  • Right to request service modifications

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, designs, and materials are protected by Canadian copyright laws
  • Users may not reproduce, distribute, or commercially use our intellectual property
  • Limited viewing and personal use rights are granted

6. Content Ownership and Licensing

  • Our organization retains full ownership of website content
  • Users are granted a non-transferable, revocable license to access content
  • No sublicensing or reproduction rights are provided

7. Limitation of Liability

  • Services provided “as is” without warranties
  • Maximum liability limited to direct service costs
  • No compensation for indirect or consequential damages
  • Not responsible for third-party insurance product performance

8. Dispute Resolution

  • Disputes governed by Ontario provincial laws
  • Mandatory mediation before legal proceedings
  • Arbitration conducted in English
  • Exclusive jurisdiction in Ontario, Canada

9. Service Termination

  • We reserve the right to terminate services without prior notice
  • Users may terminate account at any time
  • Immediate termination for violation of terms

10. Modifications to Terms

  • Terms may be updated periodically
  • Users will be notified of significant changes
  • Continued use implies acceptance of new terms

11. Privacy and Data Protection

  • Adherence to Canadian Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Secure handling of personal and financial information
  • Transparent data collection and usage policies

12. Contact Information

For questions or concerns:

13. Acknowledgment

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

14. Governing Law

These terms are governed by and construed in accordance with the laws of Canada, specifically the laws of the Province of Ontario. © 2025 Senior Insurance Services. All Rights Reserved.