Terms of Service

Effective Date: January 1, 2025

1. Introduction

Welcome to SilverCover Agency. By accessing or using our website and services, you agree to these Terms of Service. Our office is located at 301 Front Street West, Toronto, ON M5V 2T6, Canada. For inquiries, call us at +14164717526.

2. Scope of Services

SilverCover Agency specializes in providing insurance services for seniors, including personalized consultations, digital learning materials, and mailed resource kits.

3. Eligibility

Our services are intended for individuals aged 65 and above. By purchasing, you confirm that you meet this age requirement.

4. Refund Policy

4.1 Insurance Consultations and Plan Reviews

You may cancel a one-on-one consultation or plan review up to 48 hours before the scheduled time for a full refund. Refunds are processed through the same payment channel within 10 business days. You may reschedule your consultation once at no extra charge if you notify us at least 24 hours in advance.

4.2 Digital Learning Materials

Digital guides and e-books may be refunded in full if you request a refund within 7 days of purchase and have not downloaded the files. Approved refunds are issued via the original payment channel within 5 business days.

4.3 Mailed Resource Kits

Physical kits may be returned within 14 days of receipt in their original, unused condition. Customers are responsible for return shipping costs. Once we receive and inspect the item, a refund is issued via the original payment channel within 15 business days. If the kit is defective, we will replace it at no extra cost.

4.4 Non-Refundable Workshops

Certain group workshops held on fixed dates are non-refundable due to booking commitments. However, you may transfer your registration to another qualified participant by notifying us in writing at least 7 days before the event.

5. Changes to Terms

We may modify these Terms of Service at any time. Revised terms will be posted on our website with an updated effective date. Continued use of our services indicates acceptance of the new terms.

6. Governing Law

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

7. Contact Information

If you have questions or concerns about these terms, please visit our contact form or call +14164717526.