Terms of Service

Effective date: January 1, 2025

Welcome to PensionCovera. These terms govern your access to our pension plan support sessions, digital guidebooks, and related products. By using PensionCovera, you agree to these terms.

1. Service Terms

Pension plan support sessions are scheduled upon your request. You may request a schedule change up to 48 hours before the session start. If you cancel after that period, sessions are non-refundable due to resource allocation. However, you may reschedule once at no extra fee.

To request a change, please use our contact form.

2. Digital Guidebook Terms

Digital resources provided by PensionCovera are licensed for personal use. If you find the guidebook unsuitable, you may request a refund within 14 days of purchase. Approved refunds will be processed within 7 business days via the original method of payment.

3. Goods Terms

Physical items ordered from PensionCovera may be sent back for a refund within 14 days of delivery. Items must be unused and in original packaging. Upon approval, refunds will be processed within 7 business days. You are responsible for shipping costs for send-backs unless the item is defective.

4. Refund Policy

All refund requests must be directed to our support team. For support sessions, no refunds are available for cancellations within 48 hours of the start time; you may reschedule once. For digital guidebooks and goods, approved refunds will be reimbursed to the original payment method within 7 business days. If processing issues arise, we will notify you at the contact details provided.

5. Contact Information

Address: 123 Maple Street, Toronto, ON M1N 2P3, Canada

Phone: +14165358055

Business ID: 745129783

For questions, use the contact form.

6. Changes to Terms

PensionCovera may revise these terms. We will post updates here with a new effective date. Continued use after changes constitutes acceptance.