By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website. You are responsible for ensuring that your use of the site complies with applicable laws.
By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website. You are responsible for ensuring that your use of the site complies with applicable laws.
This website provides general information about insurance selection services for retirees and related support. We may update, limit, suspend, or discontinue any part of the site or its content at any time. Any information provided is for general reference only and does not create a binding offer.
If any fees, charges, or other commercial terms apply to a service, they will be presented separately before you proceed. We may change commercial terms where permitted by law, and any such change will apply only as stated at the time of notice. You remain responsible for reviewing the applicable terms before relying on them.
If any fees, charges, or other commercial terms apply to a service, they will be presented separately before you proceed. We may change commercial terms where permitted by law, and any such change will apply only as stated at the time of notice. You remain responsible for reviewing the applicable terms before relying on them.
You agree not to misuse the website, interfere with its operation, attempt unauthorized access, or use the site for unlawful or misleading purposes. We may restrict access where we reasonably believe the site is being used in a harmful, abusive, or unlawful manner. We may also rely on information you submit through the site as reasonably necessary to respond to your request.
All text, graphics, logos, layout, and other site materials are owned by us or used with permission, unless stated otherwise. You may not copy, reproduce, modify, distribute, or create derivative works from the site materials without prior written consent, except where permitted by law. Any third-party names or materials remain the property of their respective owners.
The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, fitness for a particular purpose, and uninterrupted availability. We are not liable for decisions made solely on the basis of website content, and you should obtain independent advice where appropriate.
These Terms are governed by the laws applicable in the Philippines, without regard to conflict of law rules. Any dispute arising from the website or these Terms should first be raised with us in good faith. If a dispute cannot be resolved informally, it may be brought before the competent courts or other forum having jurisdiction.
Clause 07
These Terms are governed by the laws applicable in the Philippines, without regard to conflict of law rules. Any dispute arising from the website or these Terms should first be raised with us in good faith. If a dispute cannot be resolved informally, it may be brought before the competent courts or other forum having jurisdiction.
Reference
HCCHClause 08
We may revise these Terms from time to time by posting an updated version on this website. Your continued use of the site after any update means you accept the revised Terms. If you have questions about these Terms or the website, you should use the contact details provided on the site.
Reference
UN Declaration