Terms & Conditions

Last updated: 10 November 2025

1. Scope

These Terms govern the use of InsureWise Senior’s consulting services and website. By engaging with us, you accept the following terms.

2. Engagement

  1. Services start after written confirmation or online booking.
  2. Consultations are advisory and non-binding toward any insurer.
  3. All work follows Czech and EU consumer protection laws.

3. Client Responsibilities

  1. Provide accurate policy and contact information for analysis.
  2. Ensure timely delivery of required documents.
  3. Respect confidentiality of shared materials.

4. Fees and Billing

Our fees are stated on the website or confirmed in writing. Invoices are payable within the due date by bank transfer. Prices include applicable taxes.

5. Service Cancellation and Refund Policy

  1. Clients may cancel consultations up to 24 hours in advance without penalty.
  2. Prepaid sessions canceled later may be rescheduled or partially refunded.
  3. Refunds for unused advisory time are processed within 14 days.
  4. Requests should be emailed to support@insurewisesenior.com.

6. Confidentiality

All personal and policy data shared during consultations are treated as confidential. We do not share your information without explicit consent.

7. Limitation of Liability

While we aim for accuracy, InsureWise Senior does not guarantee insurer outcomes or policy approvals. Clients remain responsible for final decisions with chosen providers.

8. Intellectual Property

All written materials, summaries, and comparison reports remain the intellectual property of InsureWise Senior. They are provided for personal reference only.

9. Governing Law

These Terms are governed by Czech law, with disputes subject to the jurisdiction of courts in Prague.

10. Updates

We may update these Terms for clarity or compliance reasons. Updated versions are published on our website with a new effective date.