General

Nothing in this site constitutes an offer to buy or sell products or services of the Caritas Family of Companies. All products and services are subject to the terms and conditions of any applicable agreements. All terms and conditions of your existing policies shall remain in full force and effect and unchanged by this agreement.

Our products and services are available only in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in all geographical regions.

This site is for general information purposes only. It is not intended to provide you with any personalized financial, accounting or tax advice. It should not be used as a substitute for personal advice from a financial planner. This site is not intended to provide you with any legal advice. If you require legal advice, please consult with your own lawyer.

Information provided on this site is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information in this site is subject to modification from time to time without notice.

We will make every reasonable effort to provide you access to our site. However, there will be occasions when the site will be unavailable for use or times when we find it necessary to shut down our site for a period of time for maintenance, updates and other reasonable adjustments.

Sites accessed by links appearing in this site may have been independently developed by others. We do not guarantee the accuracy of any information in these other sites. The listing of an organization not affiliated with Caritas Financial Plans in this site should not be interpreted as an endorsement of its services or products by the company.

Your use of this site shall be entirely at your risk. Caritas Family of Companies will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the site or its contents.

OUR WEBSITE AND WEB SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND THE WARRANTY AGAINST INFRINGEMENT WITH RESPECT TO THE INFORMATION PROVIDED AND THE USE OF THIS SERVICE.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

The applicable laws of the Republic of the Philippines shall govern your use of this web site.

Confidentiality

Caritas Financial Plans, Inc. is committed to respecting the privacy of your personal information. We gather and save statistics about the number of people who visit our site, the pages most often viewed, etc., strictly for our own use.

Any information you choose to provide to us (for example, by filling out a survey or sending us e-mail) is for our use only. Your activity on our Web site will not result in your being added to a mailing list, unless you specifically request us to do so.

We cannot guarantee the privacy of any information you input on this site or send to us on the Internet. Caritas Financial Plans, Inc. will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information sent over the Internet.

Copyright

The contents of this site are protected by copyright. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission from Caritas.

You may download or copy the Content and other downloadable items displayed on the Site for personal use only, provided that you maintain all copyright and other notices contained therein. Copying or storing of any Content for other than personal use is expressly prohibited without prior written permission from the Site, or the copyright holder identified in the copyright notice contained in the Content.

You shall not upload to, or distribute or otherwise publish on the Forum any libelous, defamatory, obscene, pornographic, abusive, or otherwise illegal material.

The Forum shall be used only in a noncommercial manner. You shall not, without the express approval of the Site, distribute or otherwise publish any material containing any solicitation of funds, advertising or solicitation for goods or services.

You are solely responsible for the content of your messages. However, while the Site does not and cannot review every message posted by you on the Forum and is not responsible for the content of these messages, the Site reserves the right to delete, move, or edit messages that it, in its sole discretion, deems abusive, defamatory, obscene, in violation of copyright or trademark laws, or otherwise unacceptable.

You acknowledge that any submissions you make to the Site (e.g. Letter to the Editor, Forum) may be edited, removed, modified, published, transmitted, and displayed by the Site and you waive any moral rights you may have in not having the material altered or changed in a manner not agreeable to you.

The Site contains links to other related World Wide Web Internet sites, resources, and sponsors of the Site. Since the Site is not responsible for the availability of these outside resources, or their contents, you should direct any concerns regarding any external link to the site administrator or Webmaster of such site.

You represent, warrant and covenant that no materials of any kind submitted by you to the Site (i) violate, plagiarize, or infringe upon the rights of any third party, including copyright, trademark, privacy or other personal or proprietary rights; or (ii) contain libelous or otherwise unlawful material. You hereby indemnify, defend and hold harmless the Site, and all officers, directors, owners, agents, information providers, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) from and against any and all liability and costs, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties in connection with any claim arising out of any breach by you or any user of your account of this Agreement or the foregoing representations, warranties and covenants. You shall cooperate as fully as reasonably required in the defense of any such claim. The Site reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.

The Site does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed, uploaded, or distributed through the Site by any user, information provider or any other person or entity. You acknowledge that any reliance upon any such opinion, advice, statement, memorandum, or information shall be at your sole risk.

Email Abuse (“SPAM”)

Liabilities

You hold Caritas Financial Plans as well as any of their officers and representatives free and harmless, as well as indemnify them, from any and all liabilities, claims, damages, suits of whatever nature, arising out of or in connection with the implementation of this agreement, including any and all errors inadvertently committed and any computer-related errors. Caritas Financial Plans will not be liable for any losses, resulting from circumstances over which it has no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines or other interconnection problems, severe weather, earthquakes, floods or other such events.