Terms of Use

1. General Provisions
These Terms of Use govern access to and use of the website operated by LifeCoverHub, located at 2437 4 St SW, Calgary, AB T2S 1X5, Canada.
Contact phone: +14037644227
Contact email: [email protected] Business Number (BN): 556984231

By accessing or using this website, you agree to comply with these Terms. If you do not agree, you must stop using the website.

2. Service Description LifeCoverHub provides online insurance comparison services for retirees and seniors in Canada. The website offers tools, general information, and plan comparison features to help users review available coverage options.

All content is provided for general informational purposes only. The website does not act as an insurer. Final policy terms are determined by the relevant provider.

3. Eligibility The website is intended for adults who are legally able to enter into binding agreements under applicable law in Canada. By using this site, you confirm that you meet this requirement.

4. User Responsibilities Users agree to:

  • Provide accurate and current information when using comparison tools.

  • Use the website only for lawful purposes.

  • Avoid any activity that may harm the website, its systems, or other users.

Unauthorized use, including misuse of content or system access, is prohibited.

5. No Professional Advice Information on this website does not constitute legal, tax, or insurance advice. Users should consult a licensed advisor or provider before making coverage decisions.

6. Third-Party Providers The website may present offers or details from third-party insurance providers. LifeCoverHub is not responsible for the content, policy terms, or actions of these providers. Any agreement entered into with a provider is solely between the user and that provider.

7. Fees and Payments Users may be redirected to third-party providers for policy purchase. Any fees, premiums, or payment terms are set by the provider. LifeCoverHub does not collect payment for insurance policies unless clearly stated.

8. Refund Policy LifeCoverHub does not issue refunds for insurance policies purchased through third-party providers. Refund requests, policy cancellations, or changes must be directed to the respective insurance provider according to their policy terms.

If a service fee is charged directly by LifeCoverHub for a separate support service, refund requests may be submitted by email. Each request will be reviewed based on the nature of the service provided and applicable law.

9. Intellectual Property All website content, including text, graphics, design, and logos, is the property of LifeCoverHub or its licensors. Content may not be copied, reproduced, or distributed without prior written consent.

10. Limitation of Liability LifeCoverHub is not liable for any direct or indirect loss arising from the use of the website or reliance on its content. Users assume full responsibility for their decisions based on the information provided.

11. Privacy Use of the website is also subject to the applicable Privacy Policy. Users are encouraged to review how personal data is collected and used.

12. Changes to Terms LifeCoverHub may update these Terms at any time. Continued use of the website after updates indicates acceptance of the revised Terms.

13. Governing Law These Terms are governed by the laws of Canada and the Province of Alberta. Any disputes shall be resolved in accordance with applicable Canadian law.

14. Contact Information
LifeCoverHub
2437 4 St SW
Calgary, AB T2S 1X5
Canada
Phone: +14037644227
Email: [email protected] Business Number (BN): 556984231