Terms of Service - SeniorInsurHelp

Effective Date: 2025

Introduction

SeniorInsurHelp provides guidance and selection assistance for senior insurance options. Use of the site and our offerings is subject to these terms.

1. Scope of Services

These terms apply to all services, digital materials, and physical items offered through SeniorInsurHelp.com.

2. Services

We offer personalized consultation sessions to help seniors understand insurance choices. Sessions are scheduled by mutual agreement. If you need to change a booking, notify us at least 48 hours in advance to reschedule without extra charge. Cancellations made less than 48 hours before a session are nonrefundable due to preparatory efforts. Completed sessions are final and fees are not refundable.

3. Info Products

Our digital guides and eBooks are delivered instantly after purchase. Due to immediate delivery, all sales of info products are final. If a file is corrupted or cannot be accessed, we will replace the file or offer a credit toward another digital item.

4. Goods

Physical materials and devices can be returned within 14 days of receipt if unopened and in original condition. To initiate a return, contact us via the contact form. Return shipping costs are borne by you. Upon receipt and inspection of the item, we will issue a refund of the payment using the original method within 10 business days.

5. Refund and Rescheduling Policy

We process refunds after confirming eligibility based on the type of offering. For services, rescheduling is available with at least 48 hours notice; refunds are not available for completed or late cancellations. For info products, no refunds after download access is granted, but replacements or credits are provided for defective files. For goods, approved returns are refunded as described above.

6. Contact Information

Address: 30 Raffles Avenue, Esplanade – Theatres on the Bay, Singapore 039803

Phone: +6584538665

Business ID: S9800349A

7. Governing Law

These terms are governed by the laws of Singapore.

8. Changes to Terms

We may modify these terms from time to time. Updated versions will be posted on SeniorInsurHelp.com. Continued use after changes indicates acceptance.