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Terms and Conditions of Use

Terms and Conditions of Use for

Welcome to, your comprehensive guide to navigating the world of insurance. By accessing and engaging with our website, you acknowledge that you have thoroughly read, understood, and accepted our Terms and Conditions of Use (TACOU). These terms apply to all aspects of our website, including but not limited to, all data, information, content, pages, posts, images, videos, media, subdomains, and any related services. Our commitment to your privacy and data security is underscored by our adherence to international data protection laws such as the European Union’s General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), Personal Information Protection and Electronic Documents Act (PIPEDA), UK’s Data Protection Act (DPA), and Brazil’s General Data Protection Law (LGPD).

Website Usage

  1. Comprehensive Agreement: Utilizing signifies your agreement to our TACOU, encompassing all content and services offered on the site.
  2. Purpose of Content: Our website is intended solely for general reference. No content should be interpreted as an offer or a part of any contractual agreement. All descriptions and values provided, including times, dates, and measurements, are approximate.
  3. Age Requirement: Access is granted only to individuals who are of legal age.
  4. Information Submission: Submitting information via our online forms indicates explicit acceptance of these TACOU.
  5. Verification of Information: Users are advised to verify the information obtained from our website with third-party sources before reliance.
  6. Copyright Restrictions: Copying, reproducing, or distributing any content from without authorization is prohibited.
  7. Prohibited Behaviors: The website must not be used for illegal activities, harassment, or any form of misuse.

Data Protection and Privacy

  1. Data Collection: Personal information such as names, email addresses, and phone numbers are collected through our online forms to facilitate communication and service provision. IP address logging is conducted for security purposes.
  2. Security of Data: Personal data is securely stored on an encrypted platform, protected by advanced commercial hosting services renowned for their security measures.
  3. Right to Data Deletion: You have the right to request the deletion of your personal data collected via our website, which can be done through our online Contact Us Form.
  4. Third-Party Widgets: Our website may feature widgets from third parties, each governed by their own privacy policies.
  5. Cookie Usage: Essential cookies are utilized to enhance user experience. Our site may also include links to third-party websites, each with its own cookie policy.

User Conduct and Dispute Resolution

  1. Termination of Access: We reserve the right to terminate or restrict access to any user found in breach of our TACOU, without prior notice.
  2. Dispute Resolution: Disputes should be submitted through our online Contact Us Form and will be resolved under Philippine laws.

Amendments and Communication

  1. TACOU Updates: These Terms and Conditions may be updated at any time, reflecting changes in our operations or legal requirements, without prior notification.
  2. Inquiries and Concerns: For any questions or concerns regarding our TACOU, please reach out through our online Contact Us Form.

Additional Information

  1. Affiliate Disclosure: may feature affiliate links, CPC links, and advertisements, contributing to our website’s maintenance and operational costs.
  2. Liability Disclaimer: We disclaim any liability for losses incurred due to reliance on our website’s content. While we strive for accuracy, the reliability of our content cannot be guaranteed.
  3. Refund Policy: For transactions made through affiliate links, please contact the respective third-party merchant for refunds.
  4. Content Accuracy: Despite our efforts to provide current and accurate information, all content on is intended for general reference purposes only and should not be the sole basis for making insurance decisions.

By accessing and using, you acknowledge and agree to these terms, establishing a mutual understanding of your rights and responsibilities. We encourage regular review of these TACOU to stay informed about any updates or changes. Your continued use of the site signifies your acceptance of any amendments to these terms.