General Terms

Eligibility Requirements

Users must be legal residents of Canada and at least 50 years of age to access and use CoverEAge services for senior coverage comparisons.

Individuals under 50 years old are not eligible to use our platform for senior coverage comparisons at this time.

You agree to use CoverEAge services only for lawful purposes and in a manner consistent with applicable laws and regulations.

Currently, our services are available exclusively to residents within Canada and may not be accessed or used outside this jurisdiction.

Account Terms

To utilize certain features of CoverEAge, users may be required to create an account with accurate and complete information.

Users must provide truthful and up-to-date information when registering and maintain the accuracy of their account details.

Keep your account credentials confidential. You are responsible for all activities under your account and should notify us immediately if unauthorized use is suspected.

Accounts are personal and non-transferable. Users may not assign or transfer their accounts or rights under these terms without prior written consent.

If you believe your account has been compromised, notify CoverEAge support immediately to mitigate potential unauthorized access.

CoverEAge reserves the right to suspend or terminate accounts that violate these Terms or engage in fraudulent or harmful activities.

Services

CoverEAge provides an online platform to compare senior coverage options available in Canada to assist users in making informed decisions.

We reserve the right to modify, suspend, or discontinue services, or any part thereof, at any time without prior notice.

CoverEAge strives to maintain continuous access to its services but does not guarantee uninterrupted availability.

User Rules

Users agree to the following conduct rules when using CoverEAge services:

• Do not submit false or misleading information.
• Refrain from using the service for unlawful or harmful activities.
• Respect intellectual property rights and privacy of others.
• Avoid attempts to disrupt or compromise the platform.
• Comply with applicable laws while using CoverEAge services.
• Do not share account credentials or allow unauthorized access.
• Report suspicious activities to CoverEAge promptly.

User Content

Users may submit information or feedback through CoverEAge’s platform. This content is subject to the following terms:

You retain ownership of content you submit but grant CoverEAge a worldwide, royalty-free license to use, reproduce, and display it to operate and improve services.

You warrant that submitted content does not infringe on third-party rights or contain unlawful material.

Users are solely responsible for their content and any consequences arising from its submission.

CoverEAge may remove content that violates these terms, contains harmful material, or upon request if lawful.

Intellectual Property

All intellectual property rights in CoverEAge services, software, and content belong to CoverEAge or its licensors and are protected by Canadian and international laws.

• You may not copy, modify, or distribute any part of CoverEAge except as expressly authorized.
• Use of CoverEAge activity or logos without permission is prohibited.
• Unauthorized use of intellectual property may result in legal action.

Paid Services

Certain features or enhanced options on CoverEAge may require payment and are subject to additional terms described here.

Pricing for paid services will be displayed clearly before purchase and are quoted in Canadian dollars.

Payments must be completed through our authorized payment methods. All fees are non-refundable unless otherwise specified.

Paid subscriptions will auto-renew until canceled. Users can manage or cancel subscriptions via their account settings.

Refunds are provided only in cases of service failure or errors as per specific policies detailed at the time of purchase.

You may cancel paid services at any time; cancellation will be effective at the end of the current billing period.

Applicable taxes will be added to fees in accordance with Canadian tax laws.

CoverEAge reserves the right to modify prices with a minimum 30-day notice to existing subscribers.

Failure to provide payment may result in suspension or termination of paid services.

Disclaimer

CoverEAge provides senior coverage comparison information for informational purposes only and does not act as an insurance provider or consultant. Users should consult licensed professionals before making coverage decisions.

Limitation of Liability

CoverEAge is not liable for any direct, indirect, incidental, or consequential damages arising from your use of our services or reliance on provided information.

Third-Party Services

Our platform may integrate or link to third-party services. We are not responsible for their content, services, or privacy practices.

Termination

CoverEAge may terminate or suspend your access to services without notice for violations of these Terms or legal reasons.

Upon termination, your right to use services ceases, but accrued obligations and rights survive.

Privacy

Use of CoverEAge services is also governed by our Privacy Policy, which explains how personal data is collected and used.

Communications

By using our services, you consent to electronic communications including emails and account alerts related to service usage.

Changes to Terms

CoverEAge may update these Terms from time to time. Continued use of services constitutes acceptance of changes.

Governing Law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict of laws principles.

Dispute Resolution

Any disputes arising out of these Terms or services shall be resolved through informal negotiation or, if unsuccessful, by binding arbitration in Ontario.