DISCLAIMER NOTICE

       The information contained in this Web site, including any links to other Web sites, is provided for general informational purposes as a convenience to Asia Insurance customers and Internet users, and is not a contract. It is intended to provide a general description of products and services. This information is not a substitute for obtaining professional advice from a qualified person, firm or corporation. Therefore, you should not rely solely upon this information in making any decision, including any decision to buy insurance from Asia Insurance (Philippines) or any other company.

Direct contact with Asia Insurance is necessary in order to be have access to current policies and information. Mere access to a website is no substitute to direct contact with the company and information on the website cannot be relied upon in any authoritative sense. Please remember that only an insurance policy or contract can give actual terms, coverages, amounts, conditions and exclusions. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact our sales specialist, independent agent or refer to the policy or service contract.

Links to other internet sites that are not maintained by Asia Insurance (Philippines) may be accessed through this Web site. Such external internet addresses contain information created, published, maintained or otherwise posted by companies and entities independent of Asia Insurance (Philippines). Asia Insurance (Philippines) is not responsible for the content of those sites nor does it approve, endorse or certify information available at any external site or linked addresses contained herein.

The information, materials and documents contained in this site, including text, graphics, links or other items are provided "as is", "as available". Asia Insurance/ Asia Life does not warrant the accuracy, adequacy or completeness of this information, materials and documents and expressly disclaims liability for errors or omissions in this information, materials and documents. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, worms, cookies, applets or any other form of probative, inquisitive, disruptive or destructive program is given in conjunction with the information, materials and documents.

Limitation of Liability In no event will Asia Insurance (Philippines) be liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or its use or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, worm or any probative, inquisitive or destructive program being uploaded or line or system failure, even if Asia Insurance (Philippines), or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Asia Insurance (Philippines).

TERMS OF USE

       Your continued licence to view and use the pages under this website are subject to your acceptance of these terms and conditions. These will form the complete and only legal relationship between you and Asia Insurance (Philippines) Plc. You further accept that these terms may be varied without prior notice.

© 2002 Copyright Asia Insurance (Philippines) Plc.. All Rights Reserved. It is agreed that copyright in the pages and in the screens displaying the pages, and in the information and materials and in their arrangement, is owned by Asia Insurance (Philippines) unless otherwise indicated.

Use of Information, Materials and Documents

It is also agreed that the information, materials and documents (such as product specification, product summary, FAQs and news) contained in these pages are subject to change. Eligibility for any particular product or service is subject to Asia Insurance (Philippines)'s acceptance.

Permission/Licence to use information or documents from this Website is granted, on condition that

(1) our copyright notice appears in all copies and that both the copyright notice and this permission/licence notice appears in any document printed, published, uploaded or downloaded;

(2) use of such documents from this website is for information and non-commercial or personal use only and will not be copied, posted or re-transmitted on any network computer or broadcast in any media; and
(3) no modification of any documents are made. Use for any other purpose is expressly prohibited.

Documents specified above include the design and layout of the website or any other Asia Insurance (Philippines) owned, operated or controlled site. No logo, graphics, sound or image from any Asia Insurance Group website may be copied or re-transmitted unless expressly permitted by Asia Insurance (Philippines).

It is further agreed that you will not post or attach any defamatory or non authorized material on the website. If you do upload any such material, you agree to indemnify Asia Insurance (Philippines) or any Asia Insurance Group member, in the event of them being exposed to any liability whatsoever. It is further agreed that should you believe any material published on the website is defamatory to yourself, you will not take action against Asia Insurance (Philippines). Asia Insurance (Philippines) undertakes to or apply to any ISP to remove any non-authorised or defamatory material upon receiving notice of objection from any authorised user and pending consideration of its acceptability.

CUSTOMER PRIVACY NOTICE

       Asia Insurance's Commitment to Privacy Asia Insurance is committed to safeguarding your privacy. While the information we collect about you is critical to providing superior products and service, please be assured that we will maintain the confidentiality of the personal information we have. We do not sell or rent to anyone the information you provide to us.

To help you understand how your personal information is protected, this notice describes the current privacy policy and practices of Asia Insurance.

Confidentiality and Security Asia Insurance has expertise in maintaining the confidentiality and security of personal information. We have and maintain strict policies and procedures to protect the confidentiality of your information during all stages of your relationship with us. To protect your personal information from unauthorized access and anticipated threats or hazards, we maintain administrative, technical and physical safeguards. Access to your information by employees and other representatives is only permitted on a "need to know" basis, i.e., it is restricted to those employees or representatives having a business need for such information.

Information We May Collect and Use The personal information that is collected about you by Asia Insurance is done in order to provide, administer and service financial products and services. For example, we may collect identifying information such as your name, address, and telephone number, and we may collect other personal information such as your health, financial and employment history.

Asia Insurance may gather information from you in the application or claim form, electronically, by telephone, in writing, and from any required medical exams or tests. We may also acquire information from other sources, such as companies with whom you do business. While most information is collected at the time of application or claim, additional information may be required if you request changes to your contract or other service. We also have personal information from your transactions with us, such as information about your insurance policies, premiums and claims.

Confidentiality of Medical Information Asia Insurance understand that you may be especially concerned about the privacy of your medical information. We can assure you that Asia Insurance does not sell or rent to anyone your personally identifiable medical information, nor do we disclose it to others for marketing purposes. We only use and share personally identifiable medical information for purposes of underwriting insurance or administering your policy or claim.

Information We May Disclose

Asia Insurance regards your personal information as confidential. However, in the course of conducting our business there are circumstances in which we may disclose to other parties information we have about you. These disclosures are only made as permitted by law, such as disclosures to our reinsurers, administrators, consultants, and regulatory or governmental authorities. In addition, your Asia Insurance representative has access to the personal information needed to administer your policy and provide service to you.

We may also share this type of information within the Asia Insurance family of companies to better meet your needs and advise you.

Also, should your relationship with Asia Insurance end, we will continue to limit disclosure of your personal information in accordance with our stated privacy policy and practices just as we do for those with a continuing relationship with us.

We want to make sure that we have accurate information about you. Generally, upon written request, we will make your personal information available for your review. Information we have collected in connection with or in anticipation of a claim or legal proceeding will not be made available. If you believe that any of our records are inaccurate, you may notify us in writing of any corrections, amendments or deletions that you believe should be made. Questions about accessing or correcting your personal information should be directed to the address provided below.