CONDITIONS OF USE
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current conditions to which you are bound.
In addressing data privacy and data security issues, in addition to complying with applicable privacy laws and regulations, Philam Life companies should follow these principles:
To the fullest extent permissible pursuant to applicable law: (1) the materials on this website are provided "as is" and without warranties of any kind either expressed or implied and BPI – Philam Life Assurance Corporation (collectively, "BPI - Philam") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose; (2) BPI - Philam does not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and (3) BPI - Philam does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details, please refer to the actual policy or the relevant product or service agreement.
This website may be linked to other websites which are not maintained by BPI - Philam. BPI - Philam is not responsible for the availability, content or accuracy of any external websites and does not make any warranty, express or implied, with respect to the use of any external links. The inclusion of any link to such websites does not imply approval of or endorsement by BPI - Philam of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
LIMITATION OF LIABILITY
While BPI - Philam uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, BPI - Philam makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall BPI - Philam or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if BPI - Philam or a BPI - Philam authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall BPI - Philam's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.
BPI - Philam also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by BPI - Philam. Except as otherwise expressly permitted by BPI - Philam, no materials from this website or any website owned, operated, licensed or controlled by BPI - Philam may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any other way for public or commercial purposes. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, including the text, images, audio, and video, for public or commercial purposes, without BPI - Philam's written permission.
BPI - Philam neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.
Unless otherwise expressly set forth herein, BPI - Philam makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by BPI - Philam. No security, insurance product or other product or service is offered or will be sold by BPI - Philam or, if sold by BPI - Philam, will be effective in any jurisdiction in which such offer or solicitation; purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
OWNERSHIP OF INFORMATION
Any information, other than personal data or information, you transmit to BPI - Philam via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become the property of BPI - Philam. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. BPI - Philam is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to BPI - Philam via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to BPI - Philam via this website or otherwise, for the purposes of this section of the Conditions.
All trademarks, service marks, trade names, logos, and icons are proprietary to BPI - Philam. Other than as expressly set out in these Conditions and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any of BPI - Philam's intellectual property including, but not limited to, any trademark or logo displayed on this website without the written permission of BPI - Philam. Your use of the trademarks and logos displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
To the extent that any software is made available or provided to you on this website, BPI - Philam grants you a non-exclusive, limited and personal license to use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the property of BPI - Philam or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.
At BPI - Philam, we take our user's security and confidentiality very seriously. While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, the secure site utilizes advanced security techniques, which require Netscape Navigator version 4.0 or Microsoft Internet Explorer version 4.0 or above.
INCONSISTENCY IN WORDINGS
In the event of any ambiguity or inconsistency between the English and local language versions of these Conditions, the English version will control and prevail.
GOVERNING LAW AND JURISDICTION
These Conditions will be governed by the laws of the Philippines and the parties agree to submit to the exclusive jurisdiction of the courts of the Philippines.