Welcome to Sparvo, your trusted partner for international car insurance. These Terms of Service ("Terms") govern your use of our website and services related to car insurance for traveling abroad. By accessing or using our services, you agree to be bound by these Terms.
"Service" refers to the car insurance services provided by Sparvo for international travel.
"User," "you," and "your" refer to you, as the user of the Service.
"We," "us," and "our" refer to Sparvo.
3.1. Eligibility: You must be at least 18 years old and capable of forming a binding contract to use our Service.
3.2. Account Registration: To access certain features of the Service, you may be required to register for an account. You agree to provide accurate and complete information during the registration process.
3.3. Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4.1. Policy Terms: The specific terms of your foreign car insurance policy will be provided separately and are subject to the laws and regulations of the country where the insurance is issued.
4.2. Coverage: It is your responsibility to ensure that the insurance coverage meets the requirements of the countries you plan to visit.
4.3. Claims: All claims must be filed according to the procedures outlined in your specific policy.
5.1. Complementary Coverage: Our car insurance policies may include or offer additional travel insurance. The terms of such coverage will be clearly outlined in your policy documents.
5.2. Limitations: Travel insurance provided through our Service may have limitations and exclusions. It is your responsibility to review and understand these terms.
6.1. Pricing: All prices for our services are subject to change. We will provide notice of any price changes in accordance with applicable laws.
6.2. Payment Methods: We accept various payment methods as indicated on our website. You agree to provide current, complete, and accurate purchase and account information.
6.3. Refunds: Refund policies are subject to the terms of your specific insurance policy and applicable laws.
The Service and its original content, features, and functionality are owned by Sparvo and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
In no event shall Sparvo, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.
These Terms shall be governed and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.
If you have any questions about these Terms, please contact us at:
Sparvo Insurance