These terms and conditions detail how the NonMedicalCoverage.comTM website (the "Website") can be used. If you use the Website you agree to be bound by these terms and conditions.

GENERAL
Definitions
In these terms and conditions, "we" and "us" mean NonMedicalCoverage.comTM which are trading names of Right Financial Solutions (company number 6595073 Canada Inc.) whose registered address is Right Financial Solutions, 2594 Confederation Pkwy, Mississauga, ON L5B 1S2.

1. Access to the Website and content

We will endeavor to allow uninterrupted access to the Website, but access to the Website may be suspended, restricted or terminated at any time.

We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time.

We assume no responsibility for the content or services of any other websites to or from which the Website has links.

2. Our service

We grant you a non-exclusive, revocable, non-transferable license to use the software on our server to access.

3. Intellectual Property

The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.

All rights in NonMedicalCoverage.comTM are owned by Right Financial Solutions. Other product and company names mentioned on this Website are the trademarks or registered trademarks of their respective owners.

4. Disclaimer

NonMedicalCoverage.com Limited is an appointed representative of Right Fianacial Solutions, which is authorized and regulated by Revenue Canada in Ontario to conduct the regulated businesses of introducing and arranging Mortgages and Insurance Products.

NonMedicalCoverage.com Right Financial Solutions, registered in Canada No. 6595073.
Registered Office: Right Financial Solution, 2594 Confederation Pkwy, Mississauga, ON L5B 1S2. Telephone 1 905 268 0811.

Nothing within the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the Website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via the Website.

5. Exclusions of liability

We use reasonable endeavors to ensure that the data on the Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.

We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.

Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.

Subject to the liability which we accept above: (a) our aggregate liability to you arising out of or in connection with this agreement or use of the Website shall not exceed $100; and (b) we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with this agreement or use of the Website for any indirect loss *, consequential loss, loss of profits, data, revenue, business opportunity, anticipated savings, goodwill or reputation.

* For losses that were not foreseeable to both parties when the contract was made * For losses that were not caused by any breach on part of the supplier * For business losses and/or losses to non consumers.

The clauses in 5 above do not affect your statutory rights.

6. Advertisements

The advertisements that you see displayed on this website are delivered on our behalf by a third party advertising company. No personal data for example your name, address, email address or telephone number are used during the course of serving our advertising.

7. Your obligations

You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.

8. Your telephone calls

Telephone calls that you make to our customer service help line on 905 268 0811 may be monitored or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Our customer service help line is available Monday to Friday 11.00am to 7.00pm EST, all calls will be charged at local rate.

9. Complaints

Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Customer Services Team (Complaints Handling) at our address given above, by telephone on 905 268 0811 or by email at info@nonmedicalcoverage.com

We will acknowledge receipt of your complaint, in writing, within 5 business days and we will inform you of the name or job title of the individual handling the complaint (together with details of our internal complaint handling procedures). We may combine the acknowledgement of the complaint with our final response, but in any event we aim to resolve complaints at the earliest opportunity.

If you are unhappy with any product or service that you have been introduced to through any of our channels, we recommend that you approach the provider of that product or service direct. If you require any provider's contact details, please contact our Customer Services Team who will be happy to assist.

10. Payment

You shall pay any registration fees and/or other charges incurred by you in accordance with the payment provisions set out on the Website from time to time.

Full payment for products where required which are typically some of the insurance products on the Nonmedicalcoverage.com website should be made at the time of booking. Payment methods other than those stated on the Website will not be accepted. We will pass your card details and personal details, as necessary, to the insurance provider, who will take payment for the insurance in accordance with its terms and conditions. We reserve the right to charge you for any handling fees that we or the provider incur in respect of your booking. You will be informed of such charges before they are incurred.

11. Data protection

We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy.

NonMedicalCoverage.com has implemented reasonable security measures in order to protect both personal and non-personal information from loss, misuse and unauthorized access, disclosure, alteration or destruction. Our employees are made aware of and are accountable for compliance with these procedures.

12. Termination

We may terminate or suspend your access to the Website and the services within it at any time.

All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.

13. General

The content of this Website is directed solely at those who access the site from the Canada. We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of Canada.

The Website is for your non-commercial, personal use only and must not be used for business purposes.

If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.

If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion.
We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications.

Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.

Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.

14. Governing law

These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.

15. GUIDANCE NOTES

The following sections form part of the terms and conditions and provide more specific guidance on certain products and services

16. Insurance products and services

Please be aware that it is very important that before you buy any policy you carefully read the terms of the policy, the insurer's terms and conditions and any other relevant documentation which applies to the policy. We will aim to give you enough information so that you can make an informed decision about your insurance but you should not rely solely on the information provided within our insurance channel. You must familiarize yourself with all the details of the policy, for example, the restrictions, exclusions, conditions and obligations which apply to the policy. You must ensure that the policy matches your requirements and that you agree to the terms of the policy before you place an order to purchase any insurance product or service. We accept no responsibility whatsoever in the event that any policy purchased by you does not meet your requirements.

Insurers will use the information you input into the fact finding questionnaire to calculate their premium and any offer of insurance cover. It is your responsibility to ensure that such information and all other information you provide to the insurers (before cover begins and during the term of any policy you take out) is complete, accurate and not misleading. If you do not provide all such information your selected insurer may be able to treat your insurance policy as if it never existed.

Insurance Assumptions

Our service provides a 'quick quote' system, and in doing so we have answered some questions on your behalf and made assumptions for the answers. If these assumptions are incorrect it is your responsibility to change the answers when making an application.
To view our assumptions click here