General Terms

Eligibility Requirements

Users must be legal residents of Canada and aged 55 or older to qualify for our senior insurance matching services. By using Safe Cover, you confirm that you meet these eligibility criteria.

Safe Cover’s services are designed specifically for seniors aged 55 and above seeking insurance options tailored to their needs.

You must use our services lawfully and refrain from any activities that violate Canadian laws or regulations.

Safe Cover’s services are available exclusively to residents within Canada; usage from other countries is not permitted.

Account Responsibilities

Creating an account with Safe Cover grants you access to personalized insurance matching features. You are responsible for maintaining the confidentiality of your account credentials.

You agree to provide accurate, current, and complete information when registering and using our services and to update it as necessary.

You are responsible for safeguarding your account and must notify Safe Cover immediately of any unauthorized use or security breaches.

Accounts are non-transferable and must be used solely by the individual who created them.

In the event of suspected account compromise, please contact Safe Cover support immediately to secure your information.

Safe Cover reserves the right to suspend or terminate accounts that violate these Terms or pose security risks.

Service Description

Safe Cover provides a senior insurance matching service designed to connect users with suitable insurance providers based on their profiles and preferences.

We may update or modify the Service offerings at any time without prior notice while striving to maintain service quality and availability.

Safe Cover endeavors to keep the service operational but does not guarantee uninterrupted access due to maintenance or unforeseen issues.

User Conduct Rules

To ensure a safe and fair environment, users must adhere to the following rules when using Safe Cover’s services:

• Do not submit false or misleading information.
• Avoid engaging in abusive, defamatory, or harassing behavior.
• Refrain from using the platform for unauthorized commercial activities.
• Respect the intellectual property rights of Safe Cover and third parties.
• Do not attempt to interfere with the platform’s security or functionality.
• Report any suspicious or unlawful activity promptly.
• Follow all applicable laws and regulations.

User-Generated Content

Users may submit content such as testimonials or feedback on Safe Cover’s platform subject to the following conditions:

You retain ownership of user-generated content but grant Safe Cover a license to use it for service promotion and improvement.

This license is worldwide, royalty-free, and sublicensable for the duration necessary to operate and market the service.

You are responsible for ensuring your submissions do not infringe on others’ rights or contain prohibited material.

Safe Cover reserves the right to remove or restrict access to user content that violates these Terms.

Intellectual Property Rights

All software, content, activity, and materials on Safe Cover’s website and applications are owned or licensed by Safe Cover and protected by intellectual property laws.

• You may not copy, reproduce, or distribute Safe Cover content without authorization.
• You may use Safe Cover content solely for personal, non-commercial purposes.
• Any unauthorized use may result in legal action.

Paid Services

Certain insurance matching services or features may require payment as described on our platform before access is granted.

Pricing details will be clearly displayed and must be accepted before purchase; prices are subject to applicable taxes.

Payments are processed securely via third-party payment processors supported by Safe Cover.

Subscription services may renew automatically unless canceled prior to the next billing cycle.

Refunds are handled case-by-case and are not guaranteed except as required by law.

Users may cancel subscriptions anytime through their account settings or customer support.

Applicable taxes based on Canadian law will be applied to all paid services.

Safe Cover may adjust prices with prior notice; changes do not affect fees already paid.

Non-payment may result in suspension or termination of paid service access.

Disclaimer

Safe Cover provides matching services based on information supplied by users and third parties. We do not offer insurance policies directly and do not assume liability for coverage decisions made by insurers.

Limitation of Liability

Safe Cover is not liable for indirect, incidental, or consequential damages arising from use of our services. Liability is limited to the extent permitted by Canadian law.

Third-Party Services

We may integrate third-party insurance providers and platforms; Safe Cover is not responsible for the content, availability, or actions of these external services.

Termination

Safe Cover may terminate or suspend your access to services if you violate these Terms or as required by law without prior notice.

Upon termination, your right to access services ends and any data you provided may be deleted in accordance with our Privacy Policy.

Privacy

Safe Cover handles your personal data in compliance with Canadian privacy laws and our Privacy Policy, which is incorporated herein by reference.

Communications

By using our services, you consent to receive communications electronically and acknowledge that notices meet legal requirements when sent via email or through the platform.

Changes to Terms

Safe Cover may revise these Terms at any time by posting updated versions on our website; continued use of our services after changes constitutes acceptance.

Governing Law

These Terms shall be governed by the laws of the Province of Quebec and Canada, without regard to conflict of law rules.

Dispute Resolution

Any dispute arising from your use of Safe Cover’s services will initially be addressed through informal negotiation, followed by mediation or binding arbitration if necessary, in Quebec City, Quebec.