Conditions of Use
By using this website/application, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website/application. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current conditions to which you are bound.
To the fullest extent permissible pursuant to applicable law: (1) The materials on this website/application are provided “as is” and without warranties or any kind either expressed or implied and Philam Life and their related bodies corporate, partners, affiliates and subsidiaries (collectively, “Philam Vitality Operator”) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose; (2) Philam Vitality Operator does not warrant that the website/application or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website/application or the server that makes it available are free of viruses or other harmful components; and (3) Philam Vitality Operator does not warrant or make any representations regarding the use or the results of the use of the materials on this website/application in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details, please refer to the actual policy or the relevant product or services agreement.
This website/application may be linked to other website/applications which are not maintained by Philam Vitality Operator. Philam Vitality Operator is not responsible for the availability, content or accuracy of any external website/applications and does not make any warranty, express or implied, with respect to the use of any external links. The inclusion of any link to such website/applications does not imply approval of or endorsement by Philam Vitality Operator of the website/applications or the content thereof. You acknowledge and agree that you access such website/applications at your own risk.
Limitation of Liability
While Philam Vitality Operator uses reasonable efforts to include accurate and up-to-date information on this website/application, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Philam Vitality Operator makes no warranties or representations as to the accuracy of the content of this website/application and under no circumstances, including, but not limited to, negligence, shall Philam Vitality Operator or any party involved in creating, producing, or delivering the website/application be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website/application, even if Philam Vitality Operator or a Philam Vitality Operator authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall Philam Vitality Operator's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website/application.
Philam Vitality Operator also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website/application or your downloading of any materials, data, text, images, video, or audio from this website/application.
Restriction on Use of Materials
This website/application is owned and/or licensed to be operated by Philam Vitality Operator. Except as otherwise expressly permitted by Philam Vitality Operator, no materials from this website/application or any website/application owned, operated, licensed or controlled by Philam Vitality Operator may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any other way for public or commercial purposes. You may download material displayed on this website/application for your personal non-commercial use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website/application, including the text, images, audio, and video, for public or commercial purposes, without Philam Vitality Operator's written permission.
Philam Vitality Operator neither warrants nor represents that your use of materials displayed on this website/application will not infringe rights of third parties.
Unless otherwise expressly set forth herein, Philam Vitality Operator makes no representation that materials on this website/application are appropriate or available for use in any location. Those who choose to access this website/application do so on their own initiative and are responsible for compliance with local laws.
Except as expressly set forth herein the information contained on this website/application is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Philam Vitality Operator. No security, insurance product or other product or service is offered or will be sold by Philam Vitality Operator or, if sold by Philam Vitality Operator, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
Information provided on this website/application should not be construed as an offer of securities for sale nor a solicitation of an offer to purchase securities. Past performance is not necessarily an indication of future performance. Any person considering an investment in the securities of Philam Life should seek independent professional advice prior to making any investment decision.
Ownership of Information
Any information, other than personal data or information, you transmit to Philam Vitality Operator via this website/application, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Philam Vitality Operator. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Philam Vitality Operator is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Philam Vitality Operator via this website/application or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to Philam Vitality Operator via this website/application or otherwise, for the purposes of this section of the Conditions.
All trademarks, service marks, trade names, logos, and icons are proprietary to Philam Vitality Operator. Other than as expressly set out in these Conditions and except as permitted by applicable law, nothing contained on the website/application should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of Philam Vitality Operator's intellectual property including, but not limited to, any trademark or logo displayed on this website/application without the written permission of Philam Vitality Operator. Your use of the trademarks or logos displayed on this website/application, or any other content on this website/application, except as provided herein, is strictly prohibited.
To the extent that any software is made available or provided to you on this website/application, Philam Vitality Operator grants you a non-exclusive, limited and personal license to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the property of Philam Vitality Operator or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.
At Philam Vitality Operator, we take our user's security and confidentiality very seriously. While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, the secure site utilizes advanced security techniques, which require Netscape Navigator version 4.0 or Microsoft Internet Explorer version 4.0 or above.
Password and Account Security
You are entirely responsible for maintaining the confidentiality of your own passwords and account details. You are also entirely responsible for any transactions or activities that occur under your account, regardless as to whether such transactions or activities were made with or without your knowledge or authority. This website/application may provide you with a password manager function which would allow this website/application to remember them for you and automatically enter into the appropriate fields. When you enable the password manager function to remember passwords, it asks you if you want it to remember the account username and password for any website/application that is not already in your password or exceptions list. Philam Vitality Operator shall not be liable for any damage, loss or other liability incurred by you arising from any transactions of any kind whatsoever resulting from the unauthorized use of accounts and passwords by any third parties. Neither shall Philam Vitality Operator be liable to you in connection with your use of the password manager function. However, you may be held liable for any damage, loss or other liability incurred by Philam Vitality Operator for any wrongful use of your account and/or password. You shall report to Philam Vitality Operator immediately if you know or have reason to suspect that the security of your password and/or account may have been compromised or used by another person without authority.
You may create your own platform and publish your own stories about health and well-being and to access some tools that can help you with your health goals. People who have access to this website/application may see your stories and interact with you. The conversations may be diversified and shared with people wherever they are and whenever they go (“Philam Vitality Community”).
If you use this website/application as a platform publishing your own stories and interact with people, you are required to observe the following guidelines:
- You are required to be at least 18 years of age to register on and use this website/application.
- As part of this Philam Vitality Community aspect, you may post your personal opinions, messages and ideas to the website and to the discussion forums available on the website/application.
- You undertake not to post content to the website/application that may be illegal, defamatory, infringing, harassing, obscene, commercial advertising, personal marketing, profane, untrue, incorrect or harmful, or which Philam Vitality Operator regards as inappropriate, and you accept that Philam Vitality Operator may remove this content from the website/application.
- You are encouraged to report illegal, defamatory, infringing, harassing, obscene, commercial advertising, personal marketing, profane, untrue, incorrect and/or harmful content from the website/application to Philam Vitality Operator, and Philam Vitality Operator may correct and/or remove such content or any part thereof if it feels that it is appropriate to do so.
- Philam Vitality Operator does not editorially control, filter or read your postings on the website/application on an ongoing basis, and you acknowledge and agree that Philam Vitality Operator shall not be responsible, in any way, for any user postings. You also agree to indemnify Philam Vitality Operator against any liability, claim, damage or loss of whatsoever nature that may result from your posting(s) to the website/application.
- You accept that the Philam Vitality Community aspect is integral to the website/application and to the Philam Vitality Community concept, and agree to respect and abide by these community guidelines at all times when accessing or using the website/application, and to interact and engage with fellow users with equal respect and dignity.
- Please note that as a user of the website/application, you determine who will have access to your personal information when you invite them to view your profile. Philam Vitality Operator cannot be responsible for any consequences that may result from access that you may have provided to any individual.
Inconsistency in Wordings
In the event of any ambiguity or inconsistency between the English and local language versions of these Conditions, the English version will control and prevail.
Governing Law and Jurisdiction
These Conditions will be governed by the laws of the Republic of the Philippines and the parties agree to submit to the exclusive jurisdiction of the courts of the Philippines.
Last updated: 26 August 2014