Terms & Conditions

Effective date: 3 October 2025
Website: https://the-silver-circle.com/
Business name: The Silver Circle (“we”, “us”, “our”)
Contact: 403-828-8871, bcartwright.thesilvercircle@gmail.com

Quick summary (not legally binding): We provide concierge-style guidance and coordination services for seniors and their families. We don’t provide medical, legal, accounting, or financial advice. You’re responsible for your decisions and for reviewing any third‑party providers we may introduce. These Terms govern your use of the Site and any services you request through it.

1. Acceptance of these Terms

By accessing or using our website, booking an appointment, or engaging any of our services, you agree to be bound by these Terms. If you do not agree, please do not use the Site or our services.

2. Who we are & what we do

We offer concierge-style support for families and older adults, including: educational talks, document checklists and reviews (e.g., wills, powers of attorney, health directives), navigation of government benefits, and referrals to trusted third parties (e.g., transportation, care providers, legal and financial professionals). Our services are guidance and coordination only; we do not provide regulated professional services.
Jurisdiction: We currently serve clients in [Insert Province, Canada] and tailor guidance to programs available provincially and federally (e.g., CPP, OAS, RDSP/RDTC where applicable). Availability may vary by location.

3. No professional advice

Nothing on the Site or provided in our services constitutes medical, nursing, legal, tax, accounting, investment, or other professional advice. We are not a law firm, accounting firm, financial adviser, or healthcare provider. Any information we share is for general educational purposes; you should obtain independent professional advice before acting.

4. Eligibility & user responsibilities

  • You must be at least the age of majority in your province/territory to engage our services, or have the consent of a parent/guardian or an authorized substitute decision-maker.

  • You agree to provide accurate and complete information and to update it as needed.

  • You are responsible for your decisions and for reviewing any recommendations, options, or referrals we provide.

5. Appointments, scope & changes

  • Discovery/intro calls may be complimentary at our discretion. Any complimentary elements may change without notice.

  • Service scope will be described in writing (e.g., email or proposal). If your needs change, we may adjust the scope and fees by mutual agreement.

  • Rescheduling & cancellations: Please provide [e.g., 24–48 hours] notice to reschedule. Late cancellations or no‑shows may be charged at [insert fee or %].

6. Fees, payments & refunds

  • Fees will be quoted before work begins and may be flat‑fee or hourly. Taxes may apply.

  • Unless otherwise stated, invoices are due upon receipt. We may use third‑party payment processors; their terms and privacy policies apply.

  • Refunds (if any) are at our reasonable discretion and subject to statutory rights that cannot be waived.

7. Third‑party services & referrals

  • We may suggest or introduce independent third‑party providers (e.g., home care, transportation, legal, or financial professionals). These providers are not our employees, agents, or partners. We do not control, guarantee, or warrant third‑party services.

  • You are solely responsible for selecting and contracting with any third party and for reviewing their credentials, fees, privacy practices, and terms.

8. Information you provide; privacy

  • You may share personal information (including sensitive information) to help us understand your needs. You represent you have the authority to share such information.

  • We will handle personal information in accordance with our Privacy Policy and applicable Canadian privacy laws (including PIPEDA and any substantially similar provincial laws where applicable).

  • Please do not send originals or irreplaceable documents. Where we review estate or health documents, we do so for completeness and coordination only; we do not verify legal validity or provide legal drafting.

9. Intellectual property

All content on the Site (text, graphics, logos, images) is our property or that of our licensors and is protected by Canadian and international IP laws. You may not copy, modify, distribute, or create derivative works without our prior written consent, except as permitted by law.

10. Acceptable use

You agree not to misuse the Site or services, including by:

  • Attempting to gain unauthorized access;

  • Introducing malware or harmful code;

  • Scraping or harvesting data without consent;

  • Infringing third‑party rights; or

  • Using the Site in a way that is unlawful or that could harm us or other users.

11. Disclaimers

  • The Site is provided on an “as is” and “as available” basis. We do not warrant that it will be uninterrupted, secure, or error‑free.

  • Information on the Site is general and may not reflect the most current program rules, eligibility, or benefit amounts. Government programs can change; always verify with official sources and your independent advisers.

12. Limitation of liability

To the fullest extent permitted by law, in no event will we be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising out of or related to your use of the Site or services, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or the services will not exceed the amounts you paid us in the three (3) months preceding the event giving rise to the claim.

13. Indemnity

You agree to defend, indemnify, and hold harmless The Silver Circle and our owners, officers, employees, and contractors from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Site or services, or your dealings with third‑party providers.

14. Changes to the Site and to these Terms

We may update the Site and these Terms from time to time. Changes take effect when posted to the Site with a new “Effective date.” Your continued use after changes means you accept the updated Terms.

15. Termination

We may suspend or terminate your access to the Site or services at any time for any reason, including suspected misuse or non‑payment. Upon termination, Sections 7–13 and 17 survive.

16. Governing law & disputes

These Terms are governed by the laws of [Insert Province, Canada] and the federal laws of Canada applicable therein, without regard to conflict‑of‑law rules. The parties submit to the exclusive jurisdiction of the courts located in [Insert City/Province] for all disputes, except that we may seek injunctive relief in any jurisdiction.

17. Communications

By contacting us or booking an appointment, you consent to receive service‑related communications (e.g., scheduling, reminders, updates). You can opt out of non‑essential marketing emails at any time via the unsubscribe link.

18. Testimonials & results

Testimonials on the Site reflect the experiences of individual clients and are not a guarantee of results. Outcomes vary based on individual circumstances and factors beyond our control.

19. Accessibility

We are committed to providing accessible services. If you require accommodations, please contact us so we can try to assist.

20. Contact

Questions about these Terms?
Email: bcartwright.thesilvercircle@gmail.com
Phone: 403-828-8871
Mailing address: 

Last updated: 3 October 2025