Terms and Conditions
1. Introduction
Welcome to UpSeniorCoverX! These Terms and Conditions govern the use of our services, insurance programs, and offerings in the field of retirement insurance services and senior protection. By engaging our insurance services or participating in our insurance programs, you agree to these terms and commit to fully complying with them.
2. Service Eligibility
2.1. Client Status – Our insurance services are designed for retirees seeking professional insurance protection and practical insurance solutions. When engaging our services, we request information about your retirement background and insurance objectives to ensure service suitability.
2.2. Engagement – Participation in our retirement insurance services requires registration and confirmation by UpSeniorCoverX. You are obligated to provide correct and current retirement information.
2.3. Professional Standards – We expect professional conduct in all insurance interactions. Any form of insurance misconduct, inappropriate behavior, or disrespectful communication may result in service termination.
2.4. Confidentiality – Clients commit to maintaining confidentiality regarding proprietary insurance materials and other clients' information shared within the insurance service environment.
3. Insurance Service Engagement and Payment
3.1. Service Registration – Engagements can be initiated via our website or through insurance consultation and are binding after our engagement confirmation.
3.2. Payment Terms – Insurance service fees are due before the start of the service. We accept bank transfers and major credit cards.
3.3. Retirement Services – For retirement insurance programs and group engagements, customized payment terms may be negotiated, which are specified in the respective insurance service agreement.
3.4. Cancellation Policy – For cancellations up to 14 days before service start, 90% of fees will be refunded; for cancellations up to 7 days before, 50%. For later cancellations, no refund will be provided unless specified otherwise in the service description.
4. Service Design and Changes
4.1. Service Planning and Implementation –
- UpSeniorCoverX reserves the right to modify service content, schedules, and assigned advisors.
- In case of insufficient engagement, a service may be rescheduled or restructured.
- Service modifications will be communicated to clients as early as possible.
4.2. Insurance Materials – All service materials, insurance resources, and insurance content are the intellectual property of UpSeniorCoverX or our partners. The materials may not be reproduced, distributed, or used for competitive purposes without written authorization.
5. Premium Services
5.1. Engagement – For our Advanced Retirement Protection and specialized insurance services, separate engagement conditions apply, which are communicated before service commencement and are binding.
5.2. Cancellation Conditions – Cancellations for these comprehensive services must be made at least 21 days in advance to receive a partial refund. For later cancellations, no refund will be provided.
5.3. Client Selection – For certain advanced insurance services, we reserve the right to evaluate clients based on criteria such as prior insurance experience, retirement background, and service prerequisites to ensure optimal insurance outcomes.
6. Disclaimer and Warranty
6.1. Liability – UpSeniorCoverX is only liable in cases of intent or gross negligence on the part of employees or advisors. We assume no liability for the implementation of learned insurance concepts by clients in their retirement environment.
6.2. Client Responsibility – Clients are responsible for their insurance compliance and the application of acquired insurance knowledge. The implementation of insurance concepts and techniques is at their own risk and should consider their specific circumstances and regulatory requirements.
7. Facilities and Property
7.1. Use of Facilities – Insurance service spaces and technical equipment must be treated with care. The client is liable for willful damage to our facilities.
7.2. Personal Items – We assume no liability for personal items left in our insurance service facilities. Secure storage options are available for valuable items.
8. Data Privacy
8.1. Data Processing – The processing of personal data is in accordance with our separate Privacy Policy, which is considered an essential part of these Terms and Conditions and should be reviewed carefully.
8.2. Photo and Video Material – During insurance services and events, photo and video material may be created for documentation and marketing purposes. Clients can object to the use of their image at any time.
9. Refund Policy
9.1. Service Satisfaction – UpSeniorCoverX is committed to providing high-quality retirement insurance services. If you are not satisfied with our service delivery or insurance counsel quality, please contact us within 7 days of service completion to discuss your concerns. We will work with you to address any issues and may offer appropriate compensation, such as partial refunds or additional insurance consultations at no cost.
9.2. Service Cancellation by UpSeniorCoverX – In the event that we must cancel an insurance service, we will provide a full refund of all fees paid or offer to transfer your engagement to the next available session at your convenience. We will make every effort to notify you of cancellations as early as possible.
9.3. Refund Processing – All approved refunds will be processed within 14 business days and returned to the original payment method. Refunds are subject to our cancellation policy terms outlined in section 3.4 and may be prorated based on completed insurance service modules.
9.4. Dispute Resolution – Any disputes regarding refunds will be resolved through professional mediation in accordance with Swiss commercial law. We are committed to fair and transparent resolution of all client concerns.
10. Final Provisions
10.1. Severability Clause – Should individual provisions of these Terms and Conditions be or become invalid, the validity of the remaining provisions remains unaffected.
10.2. Applicable Law – These Terms and Conditions are subject to Swiss law. The place of jurisdiction for all disputes is the location of UpSeniorCoverX's headquarters in Switzerland, to the extent legally permissible.