Legal Disclaimer

TERMS AND CONDITIONS AND CUSTOMER CHARTER

PLEASE READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS OF USE. THESE APPLY TO ALL VISITORS OF THIS SITE. BY USING THIS SITE, YOU AGREE TO ABIDE BY 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 iDeaLife Financial Consultancy Services site is an information site intended both for iDeaLife Financial Consultancy Services 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 iDeaLife Financial Consultancy Services, which also reserves the right to modify its characteristics.

ACCEPTANCE OF THE TERMS OF USE

iDeaLife Financial Consultancy Services reserves the right to modify, add to, or remove and update any part of its terms of use at any time.

ONLINE CUSTOMER CHARTER

iDeaLife Financial Consultancy Services is committed to giving customers what they need by providing them with 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:

• Providing our clients with clear and complete information to give them an in-depth understanding of our financial solutions;

• Continuously taking measures to keep transactions on this site safe and secure against malicious online entities;

• Ensuring our customers’ information remains private, to be used by iDeaLife Financial Consultancy Services to communicate with them based on agreed terms and conditions;

• Providing professional customer service and prompt responses to inquiries and complaints.

ACCESS AND USE

Access to this site is free. Costs of access and 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.

iDeaLife Financial Consultancy Services 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. iDeaLife Financial Consultancy Services 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 disassembling, decompiling, copying, modifying, or reverse engineering any of the software therein, is strictly prohibited. Unauthorized entry into iDeaLife Financial Consultancy Services' systems, misuse of passwords, or misuse of any information posted on the 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 iDeaLife Financial Consultancy Services' 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. iDeaLife Financial Consultancy Services 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 iDeaLife Financial Consultancy Services. iDeaLife Financial Consultancy Services 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 iDeaLife Financial Consultancy Services 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 a license contract by iDeaLife Financial Consultancy Services.

TECHNICAL INFORMATION

Bear in mind that the confidentiality of correspondence is not guaranteed outside the computer network of iDeaLife Financial Consultancy Services. 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.

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.” To optimize and customize navigation on this site, any user can configure their browser preferences 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 functionalities, such as banner redirection and specific content display, may not be available.

LIMITATION OF LIABILITY

iDeaLife Financial Consultancy Services, 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. This includes, but is not limited to, 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.

PRIVACY POLICY

iDeaLife Financial Consultancy Services is committed to maintaining the privacy of data obtained in the course of its business. We adhere to the Republic Act No. 10173 (“Data Privacy Act of 2012”) and its implementing rules and regulations.

As a client who provides personal information and sensitive personal information to iDeaLife Financial Consultancy Services, you authorize and consent to the collection, use, processing, and transfer of said information according to valid and legitimate purposes. Further, you authorize the sharing of said information to regulatory bodies or government agencies to allow iDeaLife Financial Consultancy Services to meet its obligations under applicable laws and regulations.

Any transfer, sharing, or outsourced processing of your information will be carried out in compliance with local laws through proper agreements. iDeaLife Financial Consultancy Services will protect your information using organizational, technical, and security measures to safeguard its confidentiality and integrity.

DATA BREACHES

iDeaLife Financial Consultancy Services values its clients' trust and ensures to address all personal data breaches in compliance with the Data Privacy Act of 2012 and other relevant regulations.

This document supersedes any previous terms and conditions published by iDeaLife Financial Consultancy Services. For questions or concerns, contact us at clientcare@idealifeph.com or 044 492 2610.

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