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PLEASE READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS OF USE.  THESE APPLY TO ALL VISITORS OF THIS SITE. IN THIS SITE, YOU AGREE TO ABIDE AND BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

The AXA Philippines site is an information site intended both for AXA customers and for non-customers.  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 AXA Philippines, which also reserves the right to modify its characteristics.

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.

AXA Philippines 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. AXA Philippines reserves the right to terminate your license and services at any time for any reason, or in the future, for commercial usage.

Unauthorized use of this site and systems including but not limited to spamming, spam related activities, or disassemble, decompile, copy, modify or reverse engineer any of the software therein.  Unauthorized entry into AXA Philippine's systems, misuse of passwords, or misuse of any information posted on a 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 AXA Philippines’ permission.

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. AXA Philippines 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 AXA Philippines. AXA Philippines 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.  You therefore agree to release AXA Philippines from any claims or liabilities.

INTELLECTUAL PROPERTY

This site must be seen as an inseparable whole. Complete, 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.

TECHNICAL INFORMATION

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.

COOKIES

Users of this site 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 his browser to refuse cookies. In this case, certain functions of the site may not be accessible.

ABSENCE OF GUARANTEE

AXA Philippines by all efforts 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.  It does not claims 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.

LIMITATION OF LIABILITY

AXA Philippines, including 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 resulting from the visit or use of this site or linked sites.  The use or dependence of any information or material in 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, 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.

CHANGES

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


CONTENT AND USE OF INFORMATION

All information provided in this site shall be deemed and remain the property of AXA Philippines.  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 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 and 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 that 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.

PERSONAL DATA

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.

INFORMATION WE SHARE

We do not share personal information with entities and/or individuals outside of AXA Philippines but it is subject to the provisions applicable to the Philippine law, 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.  In this regard, you consent 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 affiliates.  We have good-faith in the processing and/or disclosure of the information is necessary to comply with laws or regulations or for the purpose of AXA Philippines’ legitimate interest.

ACCESSING AND UPDATING YOUR PERSONAL INFORMATION

The user has the right to reasonable access, modification, correction and removal of data collected in 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.  We can also provide information access and correction for free, except when it would require a disproportionate effort.  Our aim is to maintain our services in a manner that protects information from accidental or malicious destruction. Upon deletion of your information from our services, we may not immediately delete residual copies from our active servers and backup systems.

ONLINE PRIVACY

We use online data collection tools to evaluate the effectiveness of our websites, improve functionality and enhance security.  Like many organizations, we gather data such as IP address, how visitors explore our websites, information about a new or a repeat visit, pages the visitor explored, length of the visit and geographical location or similar details.  All such information is collected in an aggregate form and is used to improve our websites' functionality and performance so we can create a better experience for our visitors.

We collect this information through the use of cookies and electronic images known as web beacons.  A cookie is a small piece of information that a website sends to your computer where it is stored in your hard drive.  The next time you visit our website, we may use the information stored on your cookie to make your visit easier.  A cookie does not tell us your identity unless you have chosen to provide it to us.  Cookies cannot access other information or files from your computer.

There are two types of cookies - session cookies sometimes called “transient” cookie and permanent or persistent cookies.  Session cookies are erased when you leave the website or close your internet browser.  A permanent cookie remains on your computer even when you close your browser.  A permanent cookie can only be read by the website that created it.  AXA Philippines does not use permanent cookies.

The information collected by the cookie or the web beacon is not used in connection with any other information that could identify you personally.  We may share the site visit information obtained using cookies, web beacons and other similar online tracking tools with Google Analytics or other similar tools to analyze online activity on our websites.

For any questions, queries or complaints, please contact the DPO:

AXA Philippines, GT Tower International, 6813 Ayala Avenue, Makati, Philippines
+632 885-0101
dpo@axa.com.ph