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Disclaimer

Intellectual Property Rights

You have entered the web site of the Insular Life Assurance Co. Ltd. (Insular Life). By using our web site, you accept and agree to be bound by the terms and conditions hereinbelow stated, which may be updated or revised any time.

All materials contained herein, including but not limited to the trademarks, service marks, trade names, logos, icons, and images are proprietary to Insular Life, and are duly protected by the Intellectual Property laws of the Philippines. The use of the foregoing is strictly prohibited unless the prior written consent of Insular Life is obtained for such purpose.

Limited Purpose of the Web Site

The contents of this web site are intended for general information only. Insular Life does not warrant, expressly or impliedly, the merchantability or fitness of any material for any particular purpose. Nothing herein shall be construed as an offer to buy or to sell any products or services. Neither shall any content be construed as providing any financial or legal advice. The Insular Life products are subject to the terms and conditions of the applicable agreements, contracts and documents. Should you have additional queries or need advice on our products and services, you can contact us at our Home Office or at the District Office near you, or through any of our authorized representatives.

Non-Warranty and Non-Liability

Insular Life exercises reasonable efforts to provide accurate, complete and updated information on this web site. However, it does not warrant the absence of errors or omissions, defects, viruses or other harmful components of any material or functions contained therein. Insular Life shall not be liable for any direct, indirect, consequential or punitive damages resulting from accessing or browsing this web site or from using or downloading materials herein, even if Insular Life or any of its authorized representative has been advised of the possibility of such damages.

Restrictions on Use of Materials

Materials displayed on this web site may be downloaded for the personal use of the user, provided that all copyright and proprietary notices on the materials shall be retained. The reproduction, republication, distribution, transmittal, reuse, repost, or the use of the materials for public or commercial purposes, including the text, images, audio and video without Insular Life's written permission is strictly prohibited. Insular Life disclaims any liability resulting from the foregoing prohibited acts.

Jurisdiction

Insular Life does not represent that the materials, products and services contained in this web site are appropriate available for use in all locations or jurisdictions. No product is intended to be sold or offered in jurisdictions that disallows the sale or purchase of such product.  

Confidentiality

Insular Life shall not, subject to specific lawful exceptions, disclose or release to third parties any personal data or information given or transmitted through the internet. Neither shall Insular Life use said personal data or information for purposes other than what are described in this web site. However, due to the nature of the internet as an unsecured medium of communication, Insular Life does not guarantee the privacy or confidentiality of the personal data or information given or transmitted by the user. Insular Life shall not be held liable for damages for any loss of confidentiality of any information transmitted herein.

Links

This web site may be linked to other web sites to which Insular Life does not give its approval or endorsement. Insular Life does not warrant the absence of errors or omissions, defects, viruses or other harmful components of any material or functions contained in said web sites, and neither shall it be held liable for any direct, indirect, consequential or punitive damages resulting from accessing or browsing said web sites or from using or downloading materials therein.