Terms of Use

We will provide our services to you, which are subject to the conditions stated below in this document. Every time you visit this website, use its services or make a purchase, you accept the following conditions. This is why we urge you to read them carefully.

Before you continue using our website we advise you to read our Privacy Policy regarding our user data collection. It will help you better understand our practices.

Content published on this website (digital downloads, images, texts, graphics, logos) is the property of Etiqa Life and General Assurance Philippines, Inc. and/or its content creators and protected by international copyright laws.

The primary method of communication with us is electronic. Every time you send us an email or visit our website, you are going to be communicating with us. You hereby consent to receive communications from us. If you subscribe to the news on our website, you are going to receive regular emails from us. We will continue to communicate with you by posting news and notices on our website and by sending you emails. You also agree that all notices, disclosures, agreements and other communications we provide to you electronically meet the legal requirements that such communications be in writing.

By visiting this website, you agree that the laws of the Philippines, without regard to principles of conflict laws, will govern these terms of service, or any dispute of any sort that might come between Etiqa Life and General Assurance Philippines, Inc. and you, or its business partners and associates.

Any dispute related in any way to your visit to this website or to products & services you purchase from us shall be arbitrated by Philippine courts & the Philippine Insurance Commission and you consent to exclusive jurisdiction and venue of such courts.

Visitors may post content as long as it is not obscene, illegal, defamatory, threatening, infringing of intellectual property rights, invasive of privacy or injurious in any other way to third parties. Content has to be free of software viruses, political campaign, and commercial solicitation.

We reserve all rights (but not the obligation) to remove and/or edit such content. When you post your content, you grant Etiqa Life and General Assurance Philippines, Inc. non-exclusive, royalty-free and irrevocable right to use, reproduce, publish, modify such content throughout the world in any media.

We grant you a limited license to access and make personal use of this website. You are not allowed to download or modify it. This may be done only with written consent from us.

If you are an owner of an account on this website, you are solely responsible for maintaining the confidentiality of your private user details (username and password). You are responsible for all activities that occur under your account or password.