Terms and Conditions

Introduction

These Terms and Conditions ("Terms") govern your access to and use of the Heroes mobile application ("App" or "Service") provided by the Armed Forces of the Philippines Pension and Gratuity Management Center (AFPPGMC) ("we," "us," "our," or "AFPPGMC").

By creating an account, accessing, or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SERVICE. THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND AFPPGMC.

1. Acceptance of Terms

By accessing or using the App, you represent and warrant that:

• You are at least 18 years of age, or if you are a minor beneficiary, your parent or legal guardian has consented to these Terms on your behalf

• You have the legal capacity to enter into a binding agreement

• You are an eligible pensioner, beneficiary, or authorized representative with a legitimate interest in accessing pension services

• All information you provide is accurate, current, and complete

2. Description of Service

The Heroes App provides pension management services, including but not limited to:

• Viewing pension account information

• Submitting pension claims and applications

• Uploading required documents and forms

• Tracking application status and approvals

• Receiving notifications and updates

• Accessing pension-related resources and information

• Communicating with AFPPGMC staff

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, for maintenance, updates, or other operational reasons.

3. Account Registration and Security

3.1 Account Creation

To use the Service, you must create an account by providing:

• Your AFP Serial Number

• Personal information (name, date of birth, branch of service)

• Contact information (email address, phone number)

• A secure password meeting our requirements

3.2 Account Responsibilities

You are solely responsible for:

• Maintaining the confidentiality of your login credentials (email and password)

• All activities that occur under your account, whether authorized by you or not

• Immediately notifying AFPPGMC of any unauthorized access or security breach

• Ensuring your contact information is current and accurate

• Not sharing your account credentials with any third party

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time if:

• You violate these Terms

• We detect fraudulent or suspicious activity

• You provide false or misleading information

• Required by law or government directive

• Your pension eligibility status changes or terminates

4. Acceptable Use Policy

You agree to use the Service only for lawful purposes. You must NOT:

• Submit false, fraudulent, or misleading information

• Upload forged, altered, or counterfeit documents

• Impersonate another person or misrepresent your identity

• Attempt to gain unauthorized access to other accounts or systems

• Introduce viruses, malware, or malicious code

• Use automated tools (bots, scrapers) to access the Service

• Interfere with or disrupt the Service or servers

• Reverse engineer, decompile, or extract source code

• Use the Service for any illegal or unauthorized purpose

• Harass, abuse, or threaten AFPPGMC staff or other users

Violation of this policy may result in immediate account termination and potential legal action, including criminal prosecution for fraud.

5. Document Submission Requirements

When uploading documents through the App, you agree that:

• All documents are genuine, unaltered, and accurate

• You have the legal right to submit the documents

• Documents are clear, legible, and in acceptable formats (PDF, JPEG, PNG)

• You understand that submitting false documents is a criminal offense under Philippine law

We reserve the right to:

• Request additional verification or original documents

• Reject incomplete, illegible, or suspicious documents

• Report suspected fraud to appropriate authorities

Submitting falsified or fraudulent documents may result in criminal prosecution under Republic Act No. 10175 (Cybercrime Prevention Act) and other applicable laws.

6. Notifications and Communications

By using the Service, you consent to receive communications from us through:

• Push notifications on your mobile device

• Email messages to your registered email address

• SMS text messages to your registered phone number

• In-app messages and announcements

These communications may include:

• Application status updates and approvals

• Required document requests

• Service updates and maintenance notices

• Important policy changes

• Security alerts

While you may disable certain non-essential notifications in your device settings, you acknowledge that doing so may cause you to miss critical information regarding your pension benefits. We recommend keeping notifications enabled.

7. Intellectual Property Rights

The App and all its content, features, and functionality (including but not limited to software, design, text, graphics, logos, and images) are owned by AFPPGMC or its licensors and are protected by Philippine and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the App solely for your personal pension management purposes. You may not:

• Copy, modify, or distribute any part of the App

• Create derivative works

• Remove copyright or proprietary notices

• Use AFPPGMC trademarks without written permission

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using the Service, you acknowledge that you have read and understood our Privacy Policy and consent to the collection, processing, and storage of your personal data as described therein.

Please review our Privacy Policy for detailed information about how we handle your data.

9. Disclaimers and Warranties

9.1 "As Is" Service

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.2 No Guarantee of Availability

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free

• Results obtained from the Service will be accurate or reliable

• Defects will be corrected

• The Service will meet your specific requirements

9.3 Technical Issues

You acknowledge that the Service may experience temporary disruptions due to:

• System maintenance and updates

• Internet connectivity issues

• Third-party service provider failures

• Force major events (natural disasters, power outages, etc.)

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AFPPGMC, ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages

• Loss of profits, revenue, data, or use

• System downtime or service interruptions

• Delays in processing applications due to incomplete or incorrect information submitted by users

• Unauthorized access to your account resulting from your failure to maintain credential security

• Decisions made by you based on information provided through the Service

However, this limitation does not apply to liability that cannot be excluded under Philippine law, including liability for gross negligence or willful misconduct.

Your sole remedy for dissatisfaction with the Service is to stop using it.

11. Indemnification

You agree to indemnify, defend, and hold harmless AFPPGMC, its officers, employees, agents, and affiliates from and against any, and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service

• Your violation of these Terms

• Your violation of any law or regulation

• Your violation of any third-party rights

• Any false or fraudulent information you provide

• Your negligence or willful misconduct

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

12.2 Jurisdiction

Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of Quezon City, Metro Manila, Philippines, and you irrevocably consent to the jurisdiction of such courts.

12.3 Dispute Resolution

Before filing any legal action, you agree to first attempt to resolve any dispute through good faith negotiations with AFPPGMC by contacting us at isu.pgmc@gmail.com.

13. Modifications to These Terms

We reserve the right to modify or update these Terms at any time. When we make material changes, we will notify you by:

• Posting the updated Terms in the App with a new "Effective Date"

• Sending you an email notification (if you have provided an email address)

• Displaying a prominent notice in the App

• Requiring you to accept the new Terms before continuing to use the Service

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

We encourage you to review these Terms periodically to stay informed of updates.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and AFPPGMC regarding your use of the Service and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written.

16. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by us in writing.

17. Assignment

You may not assign or transfer these Terms or your rights and obligations hereunder without our prior written consent. We may assign these Terms without restriction.

18. Contact Information

If you have any questions about these Terms or need assistance with the Service, please contact us:

Contact Details:
Armed Forces of the Philippines Pension and Gratuity Management Center (AFPPGMC)
Camp Aguinaldo, Quezon City, Metro Manila, Philippines
Email: isu.pgmc@gmail.com

For urgent pension-related matters, please contact your local Pension Management Office.

Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

Current Privacy Policy:  AFPPGMC Heroes Privacy Policy February 2026