TERMS AND CONDITIONS

PLEASE READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS OF USE, WHICH APPLY TO ALL VISITORS TO THIS SITE. BY VISITING 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.

Total Insurance Procurement System (‘TIPS’) is an insurance and financial services application assistance and procurement program accessible through the internet or a mobile application specifically developed for the purpose. It is jointly owned by Uniguarantee Insurance Brokerage, Inc. and Shop 24/7 (‘the owners’, ‘our’, ‘we’, ‘TIPS’).

The information contained on the site is given to assist users in completing their application for a chosen insurance coverage from an insurance company of choice. It does not entail any legal commitment or contractual agreement on the part of the owners of TIPS. The owners of TIPS also reserve the right to modify its characteristics.

ACCESS AND USE

Access to the site is free. Costs of access to 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.

The owners grant you access to the TIPS site and allow the use of the services in accordance with these Terms and Conditions, as well as the instructions and guidelines posted on the site. TIPS reserves the rights to terminate your license to use the site and services at any time and for any reason, or in the future, charge 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, or allowing anyone else to do so, unauthorized entry into our system, misuse of passwords, or misuse of any information posted on our 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 our explicit permission for it.

This site is not intended for distribution to, 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 sites administrator. The owners of TIPS 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 the Owners of TIPS. The owners of TIPS shall not be liable for any information, materials, products or services posted or offered at any of these third-party sites linked to this site. By participating in any promotion sponsored, endorsed or administered by third parties, you agree to a complete release of the owners of TIPS from any claims or liabilities.

INTELLECTUAL PROPERTY

This site must be seen as an inseparable whole. Complete or partial reproduction or representation of the pages, the data and any other element constituting the site, by any process and on any support, is prohibited and constitutes, without the publisher's permission, an infringement of copyright.

The brand names and/or logos of the owners of TIPS, as well as the brand names and logos of TIPS are owned or acquired under license contract by the Owners.

TECHNICAL INFORMATION

Bear in mind that the confidentiality of correspondence is not guaranteed outside the computer network of TIPS. 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 the site are informed that when they access this site, information may be temporarily stored in memory or on their hard disk, which is known as “cookies”, in order to optimize and customize navigation on the site. It is possible for any user to configure the preferences of his browser to refuse cookies. In this case, certain functions of the site may not be accessible.

ABSENCE OF GUARANTEE

The owners of TIPS endeavor to keep this site up to date. However, the owners do NOT guarantee the accuracy, adequacy, correctness, completeness or quality of any information or material presented on this site and expressly disclaims any liability for errors or omissions in the information or material. The owners of TIPS 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.

ORDERING AND PAYMENT

To purchase your insurance policy, you will be requested to select your chosen insurance plan and insurance company. You will also be requested to provide the information necessary for your insurance application. We will send the information that you have provided to your chosen insurance company. We will process information about you in accordance with our Privacy Policy. By using the Website, you consent to such processing and you warrant that all data provided by you are accurate.

You undertake that all details you provide to us for the purpose of applying for insurance is correct. You declare and warrant that you are not traveling against the advice of a physician, you are not on the wait list for any medical treatment or will be traveling for the purpose of obtaining medical treatment. By submitting your application form, you further consent to the insurers seeking medical information from any Doctor who has at anytime attended concerning anything which affects your physical or mental health.

You shall pay for your insurance coverage in full at the time of completing your application for insurance by supplying us with your credit card details from a credit card company acceptable to us, which we require in order to process your insurance application. Alternatively, you may pay by other methods that we have said is acceptable to us, but in any event, we shall not be bound to deliver your insurance policy before we have received cleared funds in full. Your credit card payments will be received and processed by our Payment Service Provider. Depending on the results of a credit check, we reserve the right not to offer certain forms of payment and to refer you to our other forms of payment.

If you are asked for details of a payment card, you must be fully entitled to use that card. The card must have sufficient funds to cover the proposed payment to us. You undertake that all details you provide to us for the purpose of applying for insurance is correct, that the credit card account or other payment method which you use is your own and that there are sufficient funds or credit facilities to cover the cost of your insurance coverage. We reserve the right to obtain validation of your payment details before processing your application for insurance.

We shall not be obliged to deliver your insurance policy nor do we guarantee your coverage until the insurance company of your choice has accepted your application. Unless we deliver your insurance policy stating the terms and conditions of your coverage, any email, letter, fax or other Acknowledgement of your insurance application by us is purely for information purposes and does not constitute a Confirmation of Coverage. Acceptance shall take place when the insurance company of your choice issues your policy and we deliver it to you by electronic mail or courier. In the Acknowledgement of your application and payment, we may give you an Order Reference Number. However, we may at our discretion, refuse to accept an application from you for any reason, including ineligibility for the insurance coverage that you have applied for. You shall be informed appropriately.

If you discover that you have made a mistake, wish to make amendments or changes to your insurance application after you have submitted it to the Site, please contact Customer Service at [email protected] immediately. We cannot guarantee that we will be able to amend your application in accordance with your instructions.

We try very hard to ensure that the cost of insurance given to you is accurate, but should there be any changes, we will contact you and ask you to confirm that you wish to proceed at the amended insurance premium cost.

CANCELLATION & REFUND POLICY

Request for policy cancellation and refunds are strictly prohibited once the insurance policy has incepted or once your travel visa has been approved where travel insurance was required. For those whose visa application have not been approved, requests for cancellation and refund must be submitted at least 5 working days prior to policy inception and must be accompanied by proof thereof from the embassy applied to. Other requests for cancellation and refund must be submitted at least 5 working days prior to policy inception and will be subject to approval strictly following the refund guidelines of your chosen insurance company. In case of approved cancellation, the following will be deducted from the refundable insurance premium:

  • Cost of the documentary stamps
  • Transaction fees equivalent to 3% of the gross premium or Php 6 whichever is greater
  • Courier fee of Php 100 for Metro Manila transaction or Php 200 for other locations
  • Administrative expenses of Php 50