All information provided to this site shall be deemed and remain the property of AXA Philippines, and AXA Philippines shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in the provided information, subject to the provisions on privacy detailed herein. Except as specifically required by Philippine law, AXA Philippines shall not be subject to any obligations of confidentiality regarding the provided information.

By posting any content, you are granting permission to AXA Philippines and others to access and use it in connection with any service, the site and otherwise in connection with our business. In connection with your posted contents, you agree that you will not: (1) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material; (2) publish falsehoods or misrepresentations that could damage AXA Philippines or any third party; (3) submit URLs or contents that are unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; (4) offer or provide services whose subject matter is pornographic.

Likewise, reference to political activities, political party meetings, demonstrations, fliers or petitions, as well as the propagation of political symbols is prohibited. Furthermore, posted contents which insult, belittle, or in other negative ways affect other users are also prohibited. If you violate any of these restrictions, AXA Philippines is authorized to deny or delete your posted content and/or cancel your right to use the site and/or services, without prior notice. AXA Philippines may do so in its sole discretion without any obligation to investigate. You will be liable to AXA Philippines for all direct and indirect damages for any violation of the above mentioned restrictions. You agree to indemnify AXA Philippines from all claims by third party resulting from your violation of the above restrictions.

AXA Philippines is committed to the protection of the personal information of our customers. As you use our services and share information with us, we want to be clear on how we are using your information and the ways in which we protect your privacy. However, AXA Philippines shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed to by AXA Philippines directly to the customer or as required by Philippine law. Please do take time to get to know our privacy policy and if you have questions, contact us at Customer.Service@axa.com.ph

The personal information communicated by the user to AXA Philippines thru the AXA Philippine's sites or microsites, by way of forms or questionnaires placed on line, is necessary for the processing of these forms and questionnaires. When you share personal information with us, we use the information we collect to provide, maintain, protect and improve and develop our services, and to protect AXA Philippines and our users. The personal information we collect will be processed by the various concerned departments of AXA Philippines and may be processed on a server located outside the country where you live. We will ask for your consent before using information for a purpose other than those that are set out herein.

We do not share personal information with entities and/or individuals outside of AXA Philippines but, subject to the provisions of applicable Philippine laws, personal information may be:

1. Made available to any of AXA Philippines affiliated companies and/or any individual and/or entities associated with AXA Philippines, and in this regard, you consent to the transfer of your data outside of the Philippines;
2. Supplied with your consent to persons you have authorized in writing;
3. Disclosed to any government or appropriate regulatory authorities; and/or
4. Shared with entities and/or individuals outside of AXA Philippines or any of its affiliated if we have good-faith belief that processing and/or disclosure of the information is necessary to comply with laws or regulations or for purposed of AXA Philippines’ legitimate interest.

The user has a right of reasonable access, modification, correction and removal of data collected on this site, under the conditions stipulated by the Philippine data privacy laws and regulations unless we have to keep that information for legitimate business or legal purposes.

When updating your personal information, we may ask you to verify your identity before we can act on your request. We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system), risk the privacy of others, or would be extremely impractical. Where we can provide information access and correction, we will do so for free, except where it would require a disproportionate effort. We aim to maintain our services in a manner that protects information from accidental or malicious destruction. Because of this, after you delete information from our services, we may not immediately delete residual copies from our active servers and may not remove information from our backup systems.

Bear in mind that the confidentiality of correspondence is not guaranteed outside the computer network of AXA Philippines. It is up to each user in particular to take all appropriate steps to protect his own data and/or software against contamination by any viruses circulating on the Internet/web.

Users of the site are informed that when they access this site, information may be temporarily stored in memory or on their hard disk, which is known as "cookies", in order to optimise and customise navigation on the site. It is possible for any user to configure the preferences of his browser to refuse cookies. In this case, certain functions of the site may not be accessible.

AXA Philippines endeavors to keep this site up to date. However, AXA Philippines does NOT guarantee the accuracy, adequacy, correctness, completeness or quality of any information or material presented on this site and expressly disclaims any liability for errors or omissions in the information or material. AXA Philippines does not provide any warranty of any kind, implied, expressed or statutory including but not limited to warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus.

AXA Philippines, as well as any of its directors, officers, employees and/or representatives, shall in no case be held responsible for any direct or indirect damage, loss, or injury, serious or otherwise, resulting from a visit to or use of this site or linked sites, or the use of or reliance on any information or material of the site, or the inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, or associated with the site or visit to the site or linked sites, including without limitation special, incidental or consequential damages, losses or expenses.

Should any provision of these Terms and Conditions be or subsequently become invalid, illegal or unenforceable, these Terms and Conditions shall be deemed amended to delete therefrom the provision adjudicated invalid, illegal or unenforceable and the validity of the remaining provisions of these Terms and Conditions shall not be affected thereby. However, to the extent possible, any provision adjudicated invalid, illegal or unenforceable shall be replaced with a provision which most closely provides the intended result of the deleted provision.

AXA Philippines reserves the right to add to, modify or remove any of the provisions at any time.