TERMS AND CONDITIONS

Our website is operated and owned by MAAGAP Insurance, Inc. (MAAGAP). By accessing and using our website, you agree to be bound by the Terms and Conditions set forth herein. If you do not agree to be bound by this agreement, then you are expressly prohibited from accessing and using our website and you must leave immediately.

Amendments to the Terms and Conditions that may be posted on this website from time to time are hereby expressly incorporated herein by reference. We reserve the right to make changes or modifications to these Terms and Conditions at any time and without prior notice.

Permitted Use

This website is an online platform through which we advertise and market our non-life insurance products and services. The contents of this website are intended for your personal and non-commercial use only.

Our Products

We reserve the right to choose which of our products and services will be made available on our website, as well as the right to discontinue any product at any time at our sole discretion without notice.

You may contact us if you have any query on any product that is not available on our website.

All insurance products and services on this website are subject to a separate set of terms and conditions that apply only to that specific product or service and in accordance with the pertinent rules and regulations issued by the Insurance Commission as the regulatory authority.

Intellectual Property

The contents of this website including its design, texts, images, graphics, logos and trademarks are exclusively owned by MAAGAP. Unauthorized or unlawful use of any of its contents shall constitute an infringement of the proprietary rights of MAAGAP.

No part of the website or its contents may be copied, reproduced, published, posted, displayed publicly, transmitted, distributed, or exploited for any commercial purpose whatsoever, without our express prior written permission.

Disclaimer

Our website is provided on as-is basis. While MAAGAP makes every effort to ensure that the information contained in this website is accurate, reliable and up-to-date, we make no warranties as to the accuracy or completeness of the contents of this website. We reserve the right to update the contents of our website to rectify these errors or inaccuracies.

Your access to and use of this website, its contents, or any information herein is entirely at your own risk. The products, services, materials, contents, or other information available through this website are provided for general information only and should not be relied upon and used as your sole basis in availing MAAGAP’s insurance products or services. It is your responsibility to make sure that our product or service suits your particular purpose.

This website is not intended to provide any personal, financial or legal advice with respect to any products or services displayed herein.

Limitations of Liability

MAAGAP assumes no liability or responsibility for (1) any typographical errors, mistakes or inaccuracies of the contents of this website, (2) any product or service advertised or offered by a third party through the website, any hyperlinked website or any website or mobile application featured in any banner or advertising, (3) any malwares, bugs, viruses or the like which may be transmitted to or through the website by any third party.

In no event shall MAAGAP be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profits, lost revenue, loss of data, or other damages arising from your use of this website or any of its contents or materials, even if we have been advised of the possibility of such damages.

Modifications and Interruptions

MAAGAP reserves the right to change, revise, update, suspend, discontinue, or otherwise modify this website at any time and for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use this website during any downtime or its discontinuance.

Prohibitions

Your access to or use of our website shall be subject to the following restrictions:

1. Any unlawful purpose or any purpose prohibited under this clause;

2. Infringe upon the intellectual property rights of MAAGAP or of any third party;

3. Send unsolicited or unauthorized advertising, promotional materials, spam, mass mailings, or other forms of solicitations;

4. Copy, reproduce, distribute, publish or display in public in any manner our website or any of its contents without our written permission;

5. Unauthorized linking to our website or hyperlinking of our website or any of its contents;

6. Send false or malicious reports through customer feedback or inquiries;

7. Commit, attempt to commit or threaten to commit any unlawful acts against any of our directors, officers, employees, agents or representatives;

8. Transmit or upload any content or material that contains viruses, malwares, spywares, or other harmful programs or software;

9. Unauthorized access for purposes of compromising the security or integrity of our website or network, stealing or destroying data, disrupting the normal flow of our operations, and other similar malicious intentions;

10. Publish or distribute materials that are obscene, defamatory, incites violence, hate, or discrimination towards any person or group;

User Representations

By using our website, you represent and warrant that you have the legal capacity and you agree to comply with these Terms and Conditions; and that your use of this website is only for a legitimate or lawful purpose and it does not violate any applicable law or regulation in your jurisdiction.

Use of Consumer Assistance Management System (CAMS)

MAAGAP adopts a Consumer Assistance Management System or CAMS, a platform accessible through this website where customers can raise their concerns about MAAGAP’s products and services. By using this platform, you warrant that:

1. Whatever you submit on our website will not violate any right, including copyright, trademark, privacy, or other personal or proprietary right of any third party;

2. Your comments or feedback will not contain any libelous, defamatory, insulting, offensive, violent, aggressive, vulgar or threatening remarks;

3. You will not send any material containing virus or other malware;

4. You will not use a fake or another person’s identity, contact details, and/or information; and

5. You will not submit a fabricated or false incident report, or otherwise misleading facts

Privacy Policy

MAAGAP cares about your data privacy and security. By using this website, you agree to be bound by our Privacy Policy, which is incorporated into these Terms and Conditions.

Indemnification

You agree to defend, indemnify, and hold MAAGAP harmless, including our directors, officers, employees, agents and representatives, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, arising from or relating to your access to or use of our website or your breach of these Terms and Conditions.

We reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive relief for your breach of these Terms and Conditions, including breach of your representations and warranties herein.

Governing law

Any dispute arising out of your use of this website shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Such dispute shall be lodged with the proper courts of Makati City, Philippines, to the exclusion of all other courts.

Miscellaneous Provisions

If any part of this Terms and Conditions is held invalid or unenforceable by a court of competent jurisdiction, the remaining parts shall remain unaffected and in full force and effect.

Our failure to enforce any provision of this Terms and Conditions shall not constitute a waiver of any future enforcement of that provision or of any other provisions.

If you have any questions or concerns regarding this Terms and Conditions, you may send us a message at customerservice@maagap.com or give us a call at (+632) 8867 2452 to 55.