The terms 'our website' and 'our site' refer to the information, text, graphics, services and other data contained in and under the Uniform Resource Locator ("URL") https://www.asianlife.com.ph/autoinsurance/.
Our website is owned and operated by AsianLife and General Assurance Corporation. Insurance available for purchase in the website is underwritten by AsianLife and General Assurance Corporation, an insurance company licensed to undertake non-life insurance in the Philippines.
We are the owner of all copyright, design, graphic and text arrangements, database rights and other intellectual property rights that exist in our website unless we otherwise say.
Images, logos, names and trademarks on our website are proprietary marks of AsianLife and General Assurance Corporation and/or any applicable relevant third party. Nothing on our website gives any person any license or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the proprietor and/or licensee.
You may not commercially exploit, publish, distribute, extract, re-utilize or reproduce any part of our website and no part of our website may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in public in any form without our prior written approval.
If you participate in any discussion or forums on our website you confirm that any comments and suggestions made by you are our property that we can use your input without payment to you or any other person and that we are free to develop the concepts or similar concepts mentioned by you on our website. You also warrant that such use by us will not and do not infringe upon any third party's rights.
Our website does not provide you with any personal, financial, investment or any advice of any kind. Our website and the information it contains does not take into account your particular financial or insurance position or requirements and you should always obtain independent advice before acting upon any of the information contained on our website or other links contained on our website.
Some technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error-free access to our website at all times, that defects will be remedied, or that our website or the servers that makes our website available, are virus or bug-free.
While we have tried to ensure the accuracy and completeness of the content of the website, we cannot guarantee that our website will meet all your needs.
Our website and the information and materials contained in our website are provided on an 'as is' and 'as available' basis.
Access to and use of our website is at your own risk and we do not warrant that the use of our website or any material downloaded from it will not cause damage to any property, or otherwise minimize or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by any unauthorized third parties.
Without notice to you, we may suspend access to our website from time to time to allow for repair or maintenance or for other reasons.
If you access or use our website, you are responsible for your compliance with all local laws that apply to you. In particular, you are not allowed to access or transact on this website if your local laws prohibit the access or use of this website or renders illegal or unenforceable any product or service contained in it.
THE FOLLOWING PROVISIONS SHOULD BE READ CAREFULLY AS THEY EXCLUDE OR LIMIT OUR LEGAL LIABILITY IN CONNECTION WITH YOUR USE OF OUR WEBSITE. Nothing in these provisions attempts to exclude liability that is not allowed under applicable law.
We are not liable if you lose any content or material when uploading or transmitting it through our website.
We also cannot guarantee that we can or will provide a particular product or service at any particular time or price or that a product will be available at any time. We do not accept liability for withdrawing a product or service or for rejecting your application for a product or service for any reason.
We exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, (including without limitation that our website and all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use in any jurisdiction).
We (including all of our employees, officers and directors) exclude all liability in contract, tort (including negligence), statutory duty or otherwise to any person arising out of the use of, access to, or non- access to our website, or for any errors or omissions contained in our website or if our website is unavailable.
We (including all of our employees, officers and directors) shall not be liable for any direct or indirect economic losses or any loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings; goodwill or reputation or any special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of our website (even if they are notified to us); or non-compliance with or breach of these terms and conditions.
For those products and services that are only available for purchase in the Philippines, our website is only intended for use by Filipino Citizens, Philippine Permanent Residents or foreign nationals residing in Philippines ('Philippines Residents') and for insurance risk arising in or from Philippines only. Applications from non-Philippine Residents will not be accepted, unless otherwise stated. All transactions are quoted in and are payable in Philippine peso.
To obtain access to certain online services you may be given the opportunity to register with us through a User Registration Portal. You are responsible for maintaining the confidentiality of your details and your password for restricting access to your computer to prevent unauthorized access to your account.
You accept responsibility and are fully liable for any activity that occurs under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password has been compromised or is being used in an unauthorized or illegal manner.
The content of our website does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you which we may accept or reject on such terms and conditions in force at the time of our acceptance.
After you make a request through our website to purchase the product or service and assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.
Unless we say so, the information and descriptions on our website do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable). All these shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you. Such documents may be either physical or electronic.
If you apply for any product or service detailed on our website, these terms and conditions of use should be read in conjunction with any other terms or conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service conditions, the specific product or service conditions shall prevail.
All applications for a product or service detailed on our website are subject to and must comply with our normal approval criteria and are governed by the normal terms and conditions applying to each product or service requested. Please refer to our product Policy Detail for more information.
You must ensure that the details and information (especially in relation to payment) that you provide to us while using our website are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit card you use must be your own and not in anyone else's name.
To the extent permitted by law you will receive all of your insurance documents electronically. There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints. These will be posted to you.
On our website, you can make certain transactions online. This may be purchasing a policy, administering a policy, making a renewal payment or other transactions. These transactions will not be final until we receive and process your confirmation.
Your confirmation means any communication issued or transmitted by you to us via our website or other electronic means and which contains your acceptance in relation to our offer, or your confirmation of payment, whichever applies.
It is your responsibility to inform us of any change to your email address. It is also your responsibility to keep your email account active and capable of receiving new emails. We are not responsible for emails sent to an inactive or out of date email account, unless we are solely negligent.
Your confirmation of payment may not be received by us for reasons including mechanical, software, computer, telecommunications or electronic failure, or the omission or failure of other providers or systems which are outside the control of either of us. You acknowledge that to the extent permitted by law, we are not liable to you in any way for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an electronic instruction through our website or any failure to receive an electronic instruction for any reason.
The credit card details that you provide to us may be retained after payment is made. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase.
We may refuse to process a transaction at any time and for any reason. To the extent permitted by law, we will not be liable to you or to any third party if we do this.
A binding insurance contract is conditional on us being able to successfully charge against your nominated credit card or debit card and our receiving payment of your applicable premium (either by a single payment or where permitted in installments).
We may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on our issuance, or your receipt of a paper confirmation of the transaction. Upon the request of the client, the company will furnish a copy of the proof of insurance at his/her registered address.
All payments for any insurance products, renewals, or other services purchased via our website must be paid in full by the due date specified in the relevant confirmation.
Unless otherwise provided for, all payments are required to be made by you using a type of credit card or debit card accepted by us at the time of purchase or renewal of the applicable insurance policy or service. You must therefore provide to us through our website details of your current and valid credit card or debit card, including:
You should not send us sensitive financial information like your credit card number by email.
Through your use of our website you agree that personal information that is provided will be dealt with in accordance with our Security and Privacy Statement.
We may provide links to other websites that are not under our control. These links are provided for your information and convenience. When you activate these links, you will leave our website. We don't approve or recommend or take responsibility for the content on these third party websites or the availability of those websites and we will not be liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites, you do so at your own risk.
Our website may contain or link to information about special offers, deals or promotions by persons not related to or part of us. We don't sponsor, recommend or approve of any such third party offers or third party material associated with those offers.
You must not use our website in any way that causes or is likely to cause access to our website to be interrupted or impaired in any way. You acknowledge and agree that you are responsible for all electronic communications sent from your computer.
When you use our website you must not either directly or indirectly or with or by any third party:
Interference or entry to our website with intent to corrupt, damage or deny service from our website or for other commercial benefit shall be taken very seriously and we shall take such action as is necessary to protect our website from any such activities and to protect our intellectual property rights.
You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no posting of security or proof of special damages is necessary for reliance on such remedies.
You must only use our website to:
You must not otherwise use our website to obtain insurance quotes or to obtain other information relating to the price of insurance cover from us or conduct other insurance related transactions or queries.
You may not insert a hyperlink to our website. The name and logo of AsianLife and General Insurance Corporation and c2i must not be used by you in any way, including advertising or publicity relating to any material on this website.
Telephone calls and email correspondence with us as a result of your access to our website may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.
For products and services only available for purchase in the Philippines, these conditions of use shall be governed by and construed in accordance with Philippine law. Disputes arising between you and us shall be subject to the exclusive jurisdiction of the courts of the Philippines.
This Privacy Statement governs the manner in which AsianLife and General Assurance Corporation collects, uses, maintains and discloses information collected from users (each, a "User", “you”) of the www.asianlife.com.ph (or www.etiqa.com.ph) website ("Site"). By using our Site and/or by purchasing our insurance products either online, via agent or at our offices, you consent to your personal information being processed by us in the manner described in this Privacy Statement. This Privacy Statement applies to the Site and all products and services offered by AsianLife and General Assurance Corporation.
We value Users as our customers and respect their right to privacy. We know that you purchase our products and services because you trust that we stand behind our promises. It is our responsibility and our commitment to ensure that the personal information you give us is secured and will take all reasonable precautions to prevent unauthorized access to that information.
We may collect personal identification information from you in a variety of ways, including, but not limited to:
The personal information we collect includes your name, identification number, address, date of birth, and contact details (for example phone and email), social security number, credit card information in the payment gateway. We will collect personal identification information from you only if you voluntarily submit such information to us. If you provide personal information to us about someone else, you're responsible for telling the other person that you've provided personal information about them to us. You can always refuse to supply personally identification information, except that it may prevent you from engaging in certain Site related activities.
We collect personal information when you use our website, when you call us, when you visit our offices or when you otherwise get in contact with us.
While we will collect most of the information from you, we might also collect personal information about you from someone else when we are processing your application for insurance coverage or are assessing a claim under your policy. This may include another insurer, an insurance investigator, claims manager or a medical provider.
We may collect non-personal identification information about Users whenever they interact with our Site. General non-personal identification information may include the internet protocol (IP) address, browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. This general information allows us to maintain, evaluate and improve our Site’s performance. We may also gather and use non-personal information to assess and to consider improvements to our products and services.
We may send you marketing materials about our products and services or those of selected third parties unless you unsubscribe.
We will provide you with an unsubscribe facility, in case you decide that you do not want to receive marketing materials. You should follow the instructions which are included in the marketing materials, if you wish to unsubscribe. Or you may contact us at (632) 890-1758.
We may disclose your personal information to other parties who help us provide our products and services. This may be our group companies, other insurers, parties involved in supporting the claims process like assessors, loss adjusters, repairers and suppliers, investigators and recovery agents. We may also disclose such information to police, credit enforcement groups and legal advisors assisting us in providing our services to you.
Those external companies who assist us in web-hosting, maintaining our website, providing communication services and help in problem solving may also have access to your personal information for the sole purpose of providing those services. Some external companies may gather non-personal information to evaluate the effectiveness of our online marketing activities. We impose security and confidentiality requirements on how these parties handle your personal information and we limit the use of such information to the specific purposes for which they were disclosed. In addition, we may disclose your information where there is a legal or regulatory requirement to do so.
How long will we keep your personal information for?
We will only hold your personal information for as long as is necessary for the purposes described in this Privacy Statement or for legal or business purposes.
We may share general demographic information not linked to any personal information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. But we do NOT sell, rent, or trade your personal information to others.
When you make a payment on our website using your credit card or debit card, your credit card or debit card number is passed in a secure manner between our website and third party payment facility providers, such as the issuer of your credit card or debit card.
We use an industry-recognized payment service provider to process any insurance payments you make using this website. The service provider is required to protect your personal information on our behalf.
Our website enables you to communicate with us electronically using the internet. We need your email address in order to respond to your communications with us. We WILL NOT ask you to verify your identity by email. An email which appears to come from us, or which claims to be sent by us - asking for personal information should not be opened. It should be deleted immediately as it's likely to be an attempt to acquire (wrongfully) your personal details (called 'phishing'). If we need to verify your identity, we will contact you by telephone.
We keep the content of email correspondence you have with us as it will help us understand your needs and provide you with assistance.
In August 2012, Congress enacted Republic Act No. 10173 otherwise known as the Data Privacy Act of 2012 (DPA). After four years, the National Privacy Commission (NPC) issued the Implementing Rules and Regulations of the DPA (IRR) which provides for the guidelines on the implementation of the DPA.
In accordance with these issuances, we wish to notify you that AsianLife and General Assurance Corporation (AsianLife) will continue to process your personal information, sensitive personal information and privileged information (collectively “Personal Data”) in the course of our servicing of your account/s with us.
You warrant that all personal data given to AsianLife are true and correct to the best of your knowledge, freely and voluntarily given for purposes which are relevant and necessary in the administration of your insurance policy, in providing services to you or for other reasonable services it provides or improvements/upgrades in its systems and business processes, including but not limited to data analytics and automated processing, in transacting a business or any activity with AsianLife.
You explicitly authorize AsianLife, its directors, officers, consultants, employees, and duly authorized representatives to keep, store, update, use, access, process and enter in the processing system the data given to it, and to share, transfer or disclose the data to our group companies, affiliates, subsidiaries, contractors, partners, agents and representatives, intermediaries, industry associations, and third parties such as but not limited to outsourced service providers, adjusters, salvage buyers, banks, external auditors, and local and foreign regulatory authorities for purposes of marketing or promotional information campaign, provision of any products, services, or offers through mail/email/fax/SMS/telephone or any type of electronic facility, profiling, research, studies/customer satisfaction surveys, statistical and risk analysis, tax monitoring, review, and reporting, compliance with court and other lawful order and requirements, with Anti-Money Laundering Act, Credit Information System Act, and all other regulatory laws, and all other activities consistent with the provisions of the Data Privacy Act and subject to appropriate security safeguards.
You have the right to access your given information, and you undertake to correct, rectify or supplement information should any data be found to be inaccurate or incomplete.
You will hold AsianLife free and harmless from any liability that may arise as a result of the authorization given.
Questions, comments and requests regarding this Privacy Statement are welcomed.
If you have questions, comments and requests regarding this Privacy Statement, the practices of this Site, or your dealings with this Site, please contact us at: