1. Acceptance of Terms
By accessing or using the Golden Cover Insurance website (“Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors, users, and others who access or use our services.
We reserve the right to modify or replace these Terms at any time. Changes will become effective immediately upon posting. Continued use of the Site after any such changes constitutes your acceptance of the new Terms.
2. Eligibility
Our insurance services are intended solely for residents of Singapore who are 60 years of age or older. By using this Site, you represent and warrant that you meet this eligibility requirement. We reserve the right to deny access or refuse service to anyone at our sole discretion.
3. Use of the Site
You may use the Site for lawful purposes only. You agree not to:
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Interfere with or disrupt the integrity or performance of the Site.
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Attempt to gain unauthorized access to any part of the Site or associated systems.
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Use any automated systems to scrape, extract, or collect information from the Site.
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Use the Site to transmit any harmful or malicious content.
Any violation of these rules may result in immediate suspension or termination of your access to the Site.
4. Intellectual Property
All content, trademarks, logos, graphics, text, and software on this Site are the intellectual property of Golden Cover Insurance and protected by applicable copyright and trademark laws. You may not reproduce, distribute, or modify any part of this Site without prior written consent from Golden Cover Insurance.
5. Privacy Policy
Your privacy is important to us. Please refer to our Privacy Policy for information on how we collect, use, and protect your personal data. By using our Site and services, you consent to the practices described in our Privacy Policy.
6. Service Disclaimer
Golden Cover Insurance provides insurance products specifically designed for seniors. While we make every effort to ensure the accuracy of information on this Site and within our materials, we do not guarantee that coverage will be suitable for all individual needs or circumstances.
Insurance policies are subject to underwriting criteria, limitations, and exclusions that may affect eligibility and benefits. Approval is not guaranteed and may depend on your age, health status, and plan availability.
Golden Cover Insurance is not a financial advisory firm. Any content provided on this Site is for informational purposes only and should not be considered as financial, legal, or medical advice. Always consult with qualified professionals before making insurance-related decisions.
7. Refund Policy
At Golden Cover Insurance, we are committed to customer satisfaction and transparency. However, due to the nature of insurance products and risk underwriting, all premium payments are non-refundable once a policy becomes active.
Refunds may only be issued under the following circumstances:
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The policyholder cancels before the policy start date.
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A duplicate payment was made in error and confirmed by our billing department.
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A technical error occurred during the payment process resulting in overcharging.
Refund requests must be submitted in writing to support@goldencoverins.com within 14 days of the transaction. We reserve the right to deny any request that does not meet the criteria stated above.
Partial refunds or credits are not offered for unused portions of a policy term once coverage has commenced.
8. Limitation of Liability
To the fullest extent permitted by law, Golden Cover Insurance shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site or services, including but not limited to loss of profits, data, or goodwill.
9. Governing Law
These Terms of Use shall be governed and interpreted in accordance with the laws of the Republic of Singapore. Any disputes arising in connection with these Terms shall be resolved exclusively in the courts of Singapore.
10. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
📧 support@goldencoverins.com