Terms of Service
Effective Date: January 1, 2025
Welcome to SeniorInsOne. These Terms of Service outline your rights and obligations when using our website, services, information products, and goods.
1. Eligibility and Acceptance
By accessing SeniorInsOne, you represent that you are at least 60 years old and legally capable of entering into binding agreements. Use of our offerings constitutes acceptance of these terms.
2. Services
SeniorInsOne provides personalized guidance and consultation for selecting coverage options tailored to the needs of seniors. Our team assists in reviewing available plans and arranging appointments with authorized providers.
3. Information Products
Information products include downloadable guides, reports, and digital toolkits designed to help seniors understand different coverage options. Access to these products is granted upon completion of the purchase process.
4. Goods
Our physical goods consist of printed guides and educational materials shipped to your address. Products are inspected and packed before dispatch from our facility.
5. Fees and Billing
Fees for services, information products, and goods are clearly displayed during the ordering process. You agree to provide accurate contact and delivery details. SeniorInsOne reserves the right to correct any billing errors.
6. Refund Policy
At SeniorInsOne, we aim to ensure satisfaction with every offering. The terms of reimbursement vary by category:
6.1 Services Reimbursement
If you cancel a scheduled consultation at least 48 hours before the appointment, you will receive a full reimbursement. Cancellations made between 48 and 24 hours prior will incur a 25% administrative deduction and the remainder will be reimbursed to the original payment method. Cancellations made less than 24 hours before the appointment are non-reimbursable; however, you may reschedule one appointment within 30 days at no additional fee.
6.2 Information Product Reimbursement
Requests for reimbursement of downloadable materials must be made within 14 days of purchase. If no digital access has been initiated, you will receive a full reimbursement. Once a file has been downloaded or accessed, that product is deemed delivered and is non-reimbursable.
6.3 Goods Reimbursement
Physical products may be returned within 30 days of delivery. Items must be unused, in original packaging, and in resalable condition. Upon receipt and inspection of the return, we will issue a reimbursement to the original payment method. Return shipping costs are the responsibility of the customer unless the item is defective or incorrect.
7. Non-Reimbursable Items
Certain specialized consultations or custom reports developed upon request may be marked as non-reimbursable due to preparatory work completed in advance. Such items will be clearly labeled prior to purchase, and we will provide an explanation of the preparatory effort involved.
8. Rescheduling
Service appointments may be rescheduled without fee if done at least 24 hours in advance. Rescheduling requests made within 24 hours of the appointment are subject to confirmation and availability.
9. Limitation of Liability
SeniorInsOne and its representatives shall not be liable for indirect or consequential damages arising from use of our platform or reliance on content provided. Our maximum liability for direct damages shall not exceed the total fees paid by you for the relevant service or product.
10. Intellectual Property
All content, designs, and materials on SeniorInsOne are the property of SeniorInsOne and are protected by copyright and other intellectual property laws. Unauthorized use is prohibited.
11. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Updates will be effective upon posting. Continued use of SeniorInsOne after changes constitutes acceptance.
12. Governing Law
These terms are governed by the laws of Switzerland, without regard to conflicts of law principles.
13. Contact Information
SeniorInsOne
Address: Bundesplatz 3, 3003 Bern, Switzerland
Business ID: CHE-680.622.346
Phone: +41769962719
For inquiries or reimbursement requests, please use our contact form.