Terms of Use

1. Acceptance of Terms

By accessing or using this website ("the Site"), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use and all applicable laws.

WellCare Insurance Services Inc. ("WellCare", "we", "us", or "our") may update or modify these Terms at any time without prior notice. Continued use of the Site constitutes acceptance of the revised Terms.

2. Website Content and Accuracy

All content on the Site is provided for general informational purposes only and does not constitute professional advice, including but not limited to insurance, legal, accounting, or financial advice.

Although WellCare strives for accuracy, completeness, and timeliness, we do not guarantee that any content is error-free, current, or complete.

3. Product and Service Availability

Insurance products and services referenced on this Site are available only in jurisdictions where they may be lawfully offered and only to eligible applicants.

All insurance coverage is subject to the specific terms, conditions, limitations, and exclusions of the applicable insurance policy.

4. Intellectual Property

All text, graphics, logos, trademarks, images, documents, and other materials on the Site are the property of WellCare or its licensors and are protected by copyright and trademark laws.

Reproduction, distribution, modification, republication, or commercial use without prior written consent is strictly prohibited.

5. Third-Party Links

The Site may contain links to third-party websites for convenience only. WellCare does not endorse, control, or assume responsibility for their content, accuracy, or privacy practices.

Accessing third-party sites is at your own risk.

6. Email, Online Forms & Communication

General inquiries may be submitted by email or online forms. However, WellCare does not accept binding insurance instructions, policy changes, cancellations, or claims submissions through electronic communications unless explicitly confirmed in writing by an authorized representative.

7. Privacy & Data Collection

Your use of the Site is also governed by WellCare's Privacy Policy, which explains how personal information is collected, used, and protected.

By using the Site, you consent to data practices described in the Privacy Policy.

8. No Warranty / Website Availability

The Site and its content are provided on an "as-is" and "as-available" basis without warranties of any kind, express or implied.

WellCare does not warrant uninterrupted access, error-free operation, security, or protection from viruses or harmful components.

9. Limitation of Liability & Indemnity

WellCare, its affiliates, employees, directors, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use or inability to use the Site.

You agree to indemnify and hold WellCare harmless from claims arising out of your misuse of the Site or breach of these Terms.

10. Governing Law & Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada.

Any dispute shall be submitted exclusively to the courts of Ontario, Canada.

11. Termination of Access

WellCare may restrict, suspend, or terminate your access to the Site at any time without notice if you violate these Terms or applicable laws.

12. Severability & Non-Waiver

If any provision of these Terms is deemed invalid, the remaining provisions continue in full force and effect.

WellCare's failure to enforce any right does not constitute a waiver of such right.

13. Interpretation & Final Authority

All interpretations of these Terms of Use are subject to the final and exclusive discretion of WellCare Insurance.