Philippines First Insurance Company, Inc.

Terms and Conditions

When you access our internet web site you agree to these Terms and Conditions.

Welcome to Philippines First Insurance Company, Inc website and online services ("PhilFirst Site" or the "Site"), an online information and communications service provided by Philippines First Insurance Company, Inc. ("PhilFirst" or "We" or "Us"). This policy is intended to cover the uses for all of the Site, although additional conditions, restrictions and privacy policies may apply.

Terms of Use

Use of the Site is subject to the following terms of use. PhilFirst may modify these terms and conditions at any time, and such modifications shall be effective immediately upon posting the modified terms and conditions on the PhilFirst Site. You agree to review the agreement periodically to be aware of such modifications, and your accessing or using the service constitutes your acceptance of the agreement as it appears at the time of your access or use. From time to time, PhilFirst may offer website visitors the opportunity to participate in additional features or services through the PhilFirst Site. You may be required to enter into additional agreements or authorizations before you can access such features or services.

Intended for Users 18 and Older

The Site is intended for use by individuals 18 years of age or older. This website is not directed for use by children under the age of 18. Users under the age of 18 should get the assistance of a parent or guardian to use this site.

You agree that you will not:

  • Upload or transmit any communications or content of any type that may infringe or violate any rights of any party
  • Use this website for any purpose in violation of local, national or international laws
  • Use this site as a means to distribute advertising or other unsolicited material to any third party
  • Use this website to post or transmit material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful or embarrassing to any other person or entity
  • Attempt to disable, "hack" or otherwise interfere with the proper functioning of this website

If you use any part of the Site requiring secure access, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password.

Prohibited Activities

  • Upload or transmit any communications or content of any type that may infringe or violate any rights of any party.
  • Use this website for any purpose in violation of local, national, or international laws.
  • Use this site as a means to distribute advertising or other unsolicited material to any third party.
  • Use this website to post or transmit material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity.
  • Attempt to disable, "hack," or otherwise interfere with the proper functioning of this website.

Social Networking Media

Your use of social networking media, including but not limited to participation in or use of blogs, threaded discussions, message boards and wikis ("Social Media") give PhilFirst the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from and otherwise use your submission for any purpose, in any form, and on any media.

PhilFirst reserves the right (but is not obligated) to do any or all of the following:

  • Remove communications that fail to conform with these terms of use
  • Edit or delete any communications posted on the comment sections, regardless of whether such communications violate these standards.

You also agree to indemnify and hold PhilFirst and our employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys' fees, made by a third party arising from any information or material you contribute to the Social Media you access via the Service. PhilFirst has no obligation to monitor Social Media. But we reserve the right to monitor any and all information transmitted or received through the Service.

Web-Enabled Mobile or Handheld Devices

Certain web and smartphone applications of the Site have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Site on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographic location and telecommunications provider. The Site should not be used while operating any motor vehicle, or in any other manner that might endanger yourself or others.

Online Payment

A valid payment method is required for all policy insurance purchases. PhilFirst's designated payment processor will collect your payment information and related personal information for its use in processing your payment for the products or services you availed. Any complaints or grievances regarding the processing of your payment should be addressed to PhilFirst at the contact information given below. You understand that the prices for products and services may be changed from time to time, but that the website will reflect current prices.

Indemnification

You agree that you will indemnify PhilFirst against any damages, losses , liabilities, judgments, costs or expenses (including reasonable attorneys' fees and costs) arising out of a claim by a third party relating to materials you have posted or other actions taken by you on the Site.

Disclaimers

You understand and agree that the PhilFirst site and any services, content or information contained on or provided by the PhilFirst site is provided on an "as is" basis. PhilFirst does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service or any merchandise, information or service provided through the service.

Errors on the PhilFirst Site

Content, prices, and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and PhilFirst reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an availment has been made and whether or not the availment has been confirmed and your payment received.

Request for Return/Refund/Cancellation Policies

PhilFirst will waive any charges on the premium if the Assured/Intermediary returns the original policy to PhilFirst Insurance and requests for the cancellation within the month of policy issuance or effectivity date, whichever is later. If the request and return policy was made beyond the month, PhilFirst reserves the right to charge premium computed based on the Short Period Rate Scale indicated in the insurance policy.

Shipping

Upon issuance of the policy, the Assured will receive an advance soft copy of the policy. If the Assured has an Intermediary, the original copy of the policy will be delivered to the Assured through the Intermediary. Otherwise, PhilFirst will mail the policy through its in-house messengers, courier, or other similar methods.

Limitations of Liability

The use of the site is entirely at your own risk, and in no event shall PhilFirst be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or any other monetary or other damages, fees, fines, penalties, or liabilities arising out of or relating in any way to this service, or sites accessed through this service, and/or content or information provided herein.

Links to Third Party Websites

The Site contains links to other sites operated by third parties, including but not limited to third party sites that may display the PhilFirst trademarks. These links are available for your convenience and are intended only to enable access to these Third Party Sites and for no other purpose.

Submissions to the PhilFirst Site

If any user of the PhilFirst Site makes any submission (such as questions, comments, resume, or suggestions) to PhilFirst, whether oral, written or electronic, no confidential relationship shall be established between the user and PhilFirst; the user's submission, and any information submitted with it, shall be considered non-confidential and shall be considered the sole and exclusive property of PhilFirst.

Personal Information

A user's personal information is treated in accordance with PhilFirst's Privacy Policy and in compliance with the Data Privacy Act of 2012 and its IRR.

Click-Stream Data and Cookies

A "cookie" is a small text file placed on your computer by a web server when you access a web site. Cookies are frequently used on web sites. PhilFirst generally uses cookies to make a record of your visit and will log the following information: your server address, your top level domain name, the date and time of access to the web site, pages accessed and documents downloaded, the previous web site visited, and the type of browser software in use.

Forward-Looking Statements

The Site may, from time to time, contain forward-looking statements that include information about financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. PhilFirst cautions the reader that actual results could differ materially from those that PhilFirst expects, depending on the outcome of certain factors.

Jurisdiction

You agree that any dispute or claim (including personal injury claims) related to your use of the PhilFirst Site is subject to the exclusive jurisdiction of the appropriate court in Makati City, Philippines. This agreement also applies to anyone claiming on your behalf.