Please read the terms and conditions of use ("Terms of Use") before visiting the Alliedbankers Insurance Corporation web page at www.alliedbnakers.com.ph . Unless stated otherwise, the terms "We", "Us" and "Our" refers to Alliedbankers Insurance Corporation and its employees and officers.

This webpage is used for general data purposes only and is not intended to give you with any personalized financial, accounting, tax or advice for legal matters. It shall not be used as a substitute for advice from an appropriate professional advisor.

Changes in our Website

We may make some changes or adjustments in our web page for legal or administrative reasons, or to update any inaccurate statements without giving you notice. Your use of the web page after such changes will constitute your acceptance of the revised Terms of Use.

Product Terms and Conditions

All the products and services in our website are subject to the terms and conditions of any applicable agreements. If there is any contradiction between these Terms of Use and the specific product or service conditions, the specific product or service conditions will prevail.

All the terms and conditions of your existing policies will remain and shall still be effective and unchanged by this web page.

The content of our web page will not constitute an offer by us to sell our products and services. Your request to avail a product or service represents an offer by you which we may accept or decline on such terms and conditions in force at the time of our acceptance. After you had made a request in our website to avail our service, assuming product or service is available for you and your offer is accepted, you will be able to receive confirmation of your purchase.

All your applications for a product or service detailed on our website are subject to and shall comply with our normal approval criteria and will be governed by the normal terms and conditions applying to each product or service that is requested.

You as a customer must ensure that all the details and information (especially regarding payment) that you will be providing us are correct and that there are sufficient funds to cover the cost of the product or service.

Use of Personal Data/Information

By accessing or using our web page, you agree that any personal data that you provide shall be dealt with in accordance with our Privacy and Security Policy.

Online Transactions

You can do certain transactions online though our web page. These transactions are not declared final unless we receive, process, and confirm your transaction.

It is the client's responsibility to inform us of any change to your personal data and contact details, especially your e-mail address where we will be sending the necessary data. It is also the client's responsibility to keep your contact details accurate and capable of receiving notification from us.

Please take note that due to technical issues or other matters beyond our control, the confirmation that you will send may not be received by us. You must acknowledge that to the extent permitted by law, we are not liable to you in any way for loss or damage, however caused, whether directly or indirectly, in connection with the transmission or submission of an electronic instruction through our webpage or any failure to receive an electronic instruction for any reason.

We have to refuse to process any transaction at any time and for any particular reason. To the extent permitted by law, we will not be liable to you or to any third party if we do this.

We may also need additional data or verification before accepting any transaction. You as a client must acknowledge that you will provide the data that is needed.

All transactions are quoted in and will be payable in Philippine peso.

Ownership of Materials

All content, which include those without limitation, the design, look and feel of the web page, the text, software, graphics, photos, videos, design, graphic, intellectual property rights and all other content in the website shall remain at all times the property of Alliedbankers Insurance Corporation, its affiliates, associated companies, sister companies under the LTGI, and/or licensors.

Unless expressly stated, nothing contained in this page shall be construed as conferring by implication, estoppels or otherwise, any license or any intellectual property right of Alliedbankers Insurance Corporation, its affiliates, associated companies, sister companies under the LTGI, and/or licensors.

Technical Concerns

Our web page and the data and materials contained therein are provided on an "as is" and "as available" basis.

We will not be able to guarantee that you will have uninterrupted or error-free access to our web page at all times of that our website, the servers that make our website available, or any material downloaded from our web page shall 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.

We will also not be liable in terms of losses or damages that will arise out of changes made to the content of this web page by any unauthorized parties.

If you access or browse through our web page, you are responsible for your compliance with all local laws that apply to you. You may not be allowed to access or do transactions on this website if your local laws prohibit the access or use this web page or renders illegal or unenforceable any product or service contained in it.

Without notice to its users and visitors, we may suspend access to our web page for maintenance and other reasons.

Limitation of Liability

KINDLY READ THE FOLLOWONG PROVISIONS AS THEY EXCLUDE OR LIMIT OUR LEGAL LIABILITY IN CONNECTION WITH YOUR USE OF OUR WEB PAGE UP TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW.

We will not be held liable if you lose any content or material when uploading or transmitting it through our website. We exclude any warranties, undertakings or representations, either express or implied, to the full extent permitted under applicable law, including without limitation that our web page 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 will not be able to guarantee that we can or will provide a specific product or service at any particular time or price. We will also not be held liable for withdrawing a product or service or for rejecting your application for a product or service for any particular reason.

ABIC will exclude all liability in contract, tort (including negligence), statutory duty or otherwise to any person arising out of the use of, access or non-access to our website, or for any errors or omissions contained in our web page or if the said page is unavailable. ABIC will also not be liable for any direct or indirect economic losses or any loss of revenues, profits, data, contracts, use, opportunity, business or anticipated savings; reputation or goodwill or any special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of our web page (even if it is notified to Alliedbankers Insurance Corporation); or non-compliance with or breach of these Terms of Use.

Third Party Sites or Links

The web page may have links to other websites that are not under the control of Alliedbankers Insurance Corporation. We however, are not responsible for the contents of the sites that are linked, including without limitation, any link contained in a Linked Site, or changes or any updates to any linked site. We do provide these links only as a convenience, and the inclusion of any of these links does not necessarily imply endorsement from Alliedbankers Insurance Corporation or any association with its operators.

If you decide to visit any Linked Site, you are doing so at your own risk and shall be responsible to take all the necessary protective protocols to guard against viruses or other destructive elements. We will not endorse and are free and harmless from responsibility or liability for any content, advertising, products, services or information on, or available from third (3rd) party websites or material. ABIC will not claim responsibility for any damage, loss or offense caused by, or in connection with, any content, products, advertising, services or data available on such websites or material. Any terms, warranties, conditions or representations associated with such dealings are only between you and the relevant provider of service. ABIC further disclaim any legal authorization to use any trademark, trade name, logo or copyright symbol displayed in or accessible through a Linked Site.

Restrictions on Use

You must only use our website for the following:

1. Acquire general insurance quotes for you or your immediate family
2. Acquire data regarding the price of insurance cover from us for you or your immediate family or friends; or
3. Conduct general insurance related transactions or queries in regards to insurance cover for you or a member of your immediate family with their prior consent.

You shall not use our page to gather, disseminate, extract, monitor, process or copy any web pages from our web page including any information, graphics or content. You should not use our website in any way that causes or will likely corrupt or damage our page or to cause access to our website to be interrupted. You may not insert a hyperlink to our web page.

You must acknowledge and agree that you are responsible for all of the electronic communications sent from your computer/gadget.

Please acknowledge that any damage may not be an adequate solution for any infringement of such rights by you and we are entitled to the solutions 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 or special damages will be deemed necessary for reliance on such remedies.

ABIC's website is intended for use by Filipino Citizens, Philippine Permanent Residents and foreign nationals residing in the Philippines ("Philippine Residents"). We will not be accepting applications from non-Philippine residents, unless otherwise specifically stated.

Breach of Terms of Use

You are agreeing to indemnify us in respect of any liability obtained by us for any cost damage or expense, no matter how caused, suffered by us as a result of or of in connection with your breach of these Terms of Use.

You may address all requests for access, correction, deletion or other queries relating to your personal information to:

Alliedbankers Insurance Corporation

17th Flr. Federal Tower Bldg., Corner Muelle de Binondo, Binondo, Manila
(02) 245-2886
(02) 243-0075
(0917) 817-6099 GLOBE