TERMS, CONDITIONS and USE OF SERVICES
Your access to and use thereof, including the products and services available through this Website are subject to, and constitutes acknowledgment and full acceptance of, the following terms, conditions, and use of services (“Terms of Service”), which SICI may update from time to time.
Any new features or tools which are added to the current store shall also be subject to the herein Terms of Service. SICI reserves the right to update, modify or replace any part of these Terms of Service, without prior notice. It is therefore your responsibility to check this page periodically for changes. Your continued access or use of the website following the posting of any changes constitutes acceptance of the same.
SICI shall not be liable if for any reason this Website is unavailable at any time or for any period. SICI likewise reserves the right to restrict access to some parts or this entire Website.
ONLINE STORE TERMS
By agreeing to these Terms of Service, you represent that you are of legal age and that you have given us your consent to allow any of your minor dependents to use this site.
You shall not use SICI’s products and/or services for any illegal or unauthorized purpose nor shall you use any of its Products and Services in violation of any laws in your jurisdiction (including but not limited to copyright laws).
You must not corrupt any data, transmit any worms or viruses or any code of a destructive nature, nor send any unsolicited advertising or spam using this Website.
A breach or violation of any of the Terms shall result to an immediate termination of your Services.
Limited License and Use
This Website is solely for information statement and dissemination in compliance with the requirements of Philippine regulatory entities. It does not, nor is intended to provide any financial, legal, accounting or tax advice on any Materials displayed in the Website.
VI. Information Sharing and Disclosure:
SICI grants you a non-exclusive, non-transferable, limited right to access or use this Website in accordance with the herein Terms of Service.
SICI authorizes you to view and download the Materials at this Site only for your personal, non-commercial use. All information are protected under relevant copyright laws. Except as may be provided on this Site, no one has permission to copy, transmit, display, perform, license, create derivative works from, distribute, reproduce, sell or republish any information found on this Site without the prior written consent of SICI. SICI does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.
Intellectual Property Notice
Names, phrases, logos, icons, graphics, images or designs, used throughout the Site may be tradenames, registered or unregistered trademarks or service marks of SICI, its subsidiaries or affiliates. The display of such tradenames, registered or unregistered trademarks or service marks is not an implied license to any third party for their use. Any retransmission or alteration or any other form of unauthorized copying is a violation of the law and such users may be subject to legal action.
Disclaimer of Liability
THE MATERIALS IN THIS SITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. SICI DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION SHALL BE AT YOUR SOLE RISK.
THIS WEBSITE, ITS MATERIALS AND THE SOFTWARE MADE AVAILABLE HEREIN, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, TITLE OR FITNESS FOR ANY PARTICULAR PURPOSE. SHOULD THIRD PARTIES DESTROY OR ALTER DATA OR INFORMATION OR THE SITE ITSELF BY INFECTING IT WITH VIRUSES, SICI WILL NOT BE RESPONSIBLE FOR THE SAME.
Third Party Sites
As a convenience to you, SICI may provide, on this Site, links to Websites operated by other entities. If you use these links, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. SICI makes no warranty or representation regarding, and does not endorse, any linked Websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that SICI or this site’s sponsors, endorsers, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of SICI or any of its affiliates or subsidiaries.
External Links to the Site
All links to the Site must be approved in writing by SICI, except that SICI consents to links in which: (i) the link is a text-only link containing only the name “Standard Insurance Co., Inc.”; (ii) the link “points” only to www.standard-insurance.com and not to deeper pages; (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a “frame” on the linked website; and (iv) the appearance, position, and other aspects of the link may neither create the false appearance that an entity or its activities or products are associated with or sponsored by SICI nor be such as to damage or dilute the goodwill associated with the name and trademarks of SICI or its Affiliates. SICI reserves the right to revoke this consent to link at any time in its sole discretion.
Refunds and Cancellation
For concerns regarding refunds and cancellation of policies, please free to contact our Customer Service Hotline at 88451111 or email at inquiry@standard-insurance.com. Please be informed that any and all cancellations are subject to the specific terms and Conditions of the policy sought to be cancelled.
Delivery
The Product shall be delivered and/or sent to the specific address or e-mail address given. Should there be changes thereto, SICI must be duly notified by the Insured in writing.
USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at SICI’s request, you send certain specific submissions (e.g. contest entries) or without a request from SICI you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that SICI may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward. SICI shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
SICI may, but has no obligation to, monitor, edit or remove content that it determines in its sole discretion as unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You shall not use false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
Limitations of Damages
IN NO EVENT SHALL SICI OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THIS SITE OR ANY LINKED WEBSITE, WHETHER ARISING OUT OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, EVEN IF SICI IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Changes
SICI reserves the right, at its sole discretion, to change, modify, add or remove any portion of the herein Terms of Service in whole or in part, at any time. Your continued access or use of the website following the posting of any changes constitutes acceptance of the same.
SICI may terminate, change, suspend or discontinue any aspect of the SICI Site, including the availability of any features of the Site, at any time. SICI may likewise impose limits on certain features and services or restrict your access to parts or the entire Site without notice or liability. Further, SICI may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials.
International Users, Choice of Law and Venue
This Site is controlled, operated and administered by SICI from its offices within the Republic of the Philippines. SICI makes no representation that materials in this site are appropriate or available for use at other locations outside of the Philippines and access to them from territories where their contents are illegal is prohibited. If you access this Site from a location outside of the Philippines, you are responsible for compliance with all local laws. These Terms of Service shall be governed by the laws of the Republic of the Philippines.
These Terms of Service also constitute the entire agreement between SICI and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises at the proper court sitting in Makati City, Philippines, to the exclusion of all other tribunals. If for any reason a court of competent jurisdiction finds any of the herein provisions or portions thereof, to be unenforceable, such provision shall be enforced to the maximum extent permissible so as to effect the intent under herein Terms of Service, and the remainder thereof shall continue in full force and effect.
PRIVACY POLICY
It is SICI’s policy to respect your privacy regarding any information it may collect while operating its website.
In addition to the privacy policy hereunder and for more information on how SICI protects your data, please go to: https://www.standard-insurance.com/privacy-policy.html.
Website Visitors
Like most website operators, SICI collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. SICI’s purpose in collecting non-personally identifying information is to better understand SICI’s visitors’ behavior, when using its website. From time to time, SICI may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
SICI also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on SICI’s posts. SICI only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below (under Protection of Certain Personally-Identifying Information), except that blog commenter IP addresses are visible and disclosed to the administrators of the blog where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to SICI’s websites choose to interact with SICI in ways that require SICI to gather personally identifying information. The amount and type of information that SICI gathers depends on the nature of the interaction. Those who engage in transactions with SICI are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, SICI collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with SICI. SICI does not disclose personally-identifying information other than as described below (under Protection of Certain Personally-Identifying Information). Visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics
SICI may collect statistics about the behavior of visitors to its websites. SICI may display this information publicly or provide it to others. However, SICI does not disclose personally-identifying information other than as described below (under Protection of Certain Personally-Identifying Information).
Protection of Certain Personally-Identifying Information
SICI discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations (i) who have the legitimate need to know that information in order to process it on SICI’s behalf or to provide services available at SICI’s websites, and (ii) have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using SICI’s websites, you consent to the transfer of such information to them. SICI will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, SICI discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when SICI believes in good faith that disclosure is reasonably necessary to protect the property or rights of SICI, third parties or the public at large. If you are a registered user of an SICI website and have supplied your email address, SICI may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with SICI and our products. SICI primarily uses its various product blogs to communicate this type of information, so SICI expects to keep this type of email to a minimum. If you send SICI a request (for example via a support email or via one of our feedback mechanisms), it reserves the right to publish it in order to help us clarify or respond to your request or to help us support other users. SICI takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Cookies
A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. SICI uses cookies to help SICI identify and track visitors, their usage of SICI website, and their website access preferences. SICI visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using SICI’s websites, with the drawback that certain features of SICI’s websites may not function properly without the aid of cookies.
Business Transfers
If SICI, or substantially all of its assets, were acquired, or in the unlikely event that SICI goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of SICI may continue to use your personal information as set forth in this policy.
Ads
Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. SICI’s Privacy Policy also covers the use of cookies by SICI but does not cover the use of cookies by any advertisers.
Privacy Policy Changes
Although most changes are likely to be minor, SICI may change its Privacy Policy from time to time, and in SICI’s sole discretion. SICI encourages visitors to frequently check this page for any changes to its Privacy Policy. Again, your continued access or use of this website following the posting of any changes constitutes acceptance of the same.