Legal Disclaimer & Terms of Use
The Prestige Financials site (a unit of AXA Philippines) is an information site intended both for Prestige Financials clients and for non-clients. Information contained in the site is strictly for informative purposes only. It does not entail any legal commitment or contractual agreement on the part of Prestige Financials or AXA Philippines, which also reserve the right to modify its characteristics.
Acceptance of the Terms of Use
Prestige Financials reserves its right to modify, add to, or remove and update any part of its terms of use at any time.
Online Customer Charter
Prestige Financials is committed to giving customers what they need by providing them financial solutions suited to their specific situations. We are unwavering in our commitment to be available, reliable, and attentive to our customers.
Furthermore, we are committed to:
- Provide our clients with clear and complete information to give them an in-depth understanding of our financial and insurance products;
- Continuously take measures to keep transactions on this site safe and secure against malicious online entities;
- Ensure our customers' information remains private, to be used by Prestige Financials and AXA to communicate with them based on agreed terms and conditions;
- Provide professional customer service and prompt response to inquiries and complaints.
Access and Use
Access to this site is free. Costs of access to use of the telecommunication network are to be paid by you, the Internet user, in accordance with the terms stipulated by your service provider and telecom operator.
Prestige Financials grants you a limited license to access the site and use the services in accordance with these Terms and Conditions, as well as the instructions and guidelines posted on the site. Prestige Financials reserves the right to terminate your license and services at any time for any reason, or in the future, for commercial usage.
Users are prohibited from unauthorized use of this site and its systems, including but not limited to spamming, spam-related activities, or disassembling, decompiling, copying, modifying, or reverse engineering any of the software therein. Unauthorized entry into Prestige Financials' systems, misuse of passwords, or misuse of any information posted on this site is strictly prohibited.
You agree not to collect, use or harvest any personally identifiable information from this site. You also agree not to copy any text, image, code or other content from this site without explicit permission from Prestige Financials.
This site is not intended for distribution, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
Hypertext Links
The creation of hypertext links to the site is subject to the explicit prior approval of the site administrator. Prestige Financials may not, under any circumstances, be held responsible for the hypertext links made to other sites from this site. Bear in mind that delays, omissions, or inaccuracies are likely to occur because of the electronic transmission system.
Links
The site may contain links to sites controlled or offered by third parties and not by Prestige Financials. Prestige Financials shall not be liable for any information, materials, products, and services posted or offered by any of these third-party sites. Any participation in any sponsored promotion endorsed or administered by third parties is at your own risk. You therefore agree to release Prestige Financials and AXA Philippines from any claims or liabilities.
Intellectual Property
This site must be seen as an inseparable whole. Complete or partial reproduction or representation of pages, data, and any other element constituting the site, by any process and on any support, is prohibited without the publisher's permission. The brand names and/or logos featured on the site are owned and acquired under license contract by AXA and Prestige Financials.
Technical Information
Bear in mind that the confidentiality of correspondence is not guaranteed outside the computer network of Prestige Financials and AXA Philippines. It is up to each user in particular to take all appropriate steps to protect their own data and/or software against contamination by any viruses circulating on the Internet/web.
Cookies/Information Collected When You Visit Our Websites
Users are informed that when they access this site, information will be temporarily stored in memory or on their hard disk known as "cookies". In order to optimize and customize navigation on this site, any user can configure the preferences of their browser to refuse cookies. In this case, certain functions of the site may not be accessible. We do not collect or store any personal data from you under this circumstance. You have a choice not to accept the cookies, but if you do, certain functionality, i.e., banner redirection and certain content display, may not be available.
Statistics on Visitors to Our Website
When you use this website, Prestige Financials will record anonymous statistics about your visit and will not collect any information which identifies your personal identity until you in fact decide to agree to buy any of our products. Our service providers make a record of your visit that includes but is not limited to IP addresses (and domain names), the types and configurations of browsers, language settings, geolocations, operating systems, previous sites visited, and time/duration and the pages visited. If you would prefer, you can set your browser to disable cookies or inform you when they are set.
Third Parties
We may engage with third parties to provide us with certain analytical services to better understand our visitors, which may use technologies to collect and store anonymous information when you visit our website. We may have access to this information to permit us to identify other websites that you have visited that are also associated with that third party. In doing so, however, these third parties do not collect personal information (unless you explicitly provide it to them), and we do not give any personally identifiable information to them.
Absence of Guarantee
Prestige Financials makes every effort to keep this site up to date. However, Prestige Financials does NOT guarantee the accuracy, adequacy, correctness, completeness, or quality of any information or material presented on this site. It does not claim any liability for errors or omissions in the information or material. Prestige Financials do 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.
Limitation of Liability
Prestige Financials and AXA Philippines, including any of their directors, officers, employees, and/or representatives, shall in no case be held responsible for any direct or indirect damage, loss, or injury resulting from the visit or use of this site or linked sites. The use of or dependence on any information or material in the site, or your inability to use it, is strictly at your own risk, and we assume no responsibility in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or system failure associated with the visit to the site or linked sites, including incidental or consequential damages, losses, and expenses.
Severability
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. However, to the extent possible, any provision adjudicated invalid, illegal, or unenforceable shall be replaced with a provision that closely provides the intended result of the deleted provision.
Privacy Policy
Prestige Financials, as a unit of AXA Philippines, is committed to compliance with data protection laws. To ensure adherence to these laws, we have established a separate Privacy Notice that outlines how we collect, use, share, and secure your personal information and non-personal confidential information while providing our services as a financial and insurance business. This Privacy Notice also details your choices regarding the use, access, and correction of your personal information. For more information, please visit the provided link to view our Privacy Notice.