The terms "we", "us", "our", "Company" and “BDO Life” refer to BDO Life Assurance Company, Inc.. "You" refers to each user of the BDO Life Electronic Facilities.

These Terms and Conditions form the contract between you as a customer and BDO Life as the provider of these services. By enrolling in and/or using BDO Life’s Electronic Facilities, you acknowledge and accept these Terms and Conditions. While we will provide a secure system, it is important that you know your rights and obligations as you also need to take responsibility for protecting your personal information and accounts once you are enrolled in the service/s.

BDO Life’s Electronic Facilities include all electronic facilities offered by BDO Life through which you can access information regarding your insurance policies or effect transactions for the same. For facilities that require enrollment, you may avail the use of the same, provided your specifically request to enroll your insurance policies.

Acquiring Access to BDO Life’s Electronic Facilities

For facilities that require enrollment, you must have a valid Personal Identification Number (PIN) to proceed with enrollment. In case you do not have the said PIN, you may call the BDO Life call center to request for the same.

User ID and Password

For facilities that require enrollment, you shall nominate your preferred User ID and Password upon enrollment. Your preferred User ID shall be unique to you and when used together with your Password will enable you to access the said facility/ies.

You will be responsible for keeping your User ID and password confidential. For security reasons, you must make it a habit to change your password regularly, especially if you suspect its confidentiality has been compromised. The password that you will select must not relate to any readily accessible personal data such as your name, birth date, address, phone number, or identification card number. It must not be an obvious combination of letters and numbers, including sequential numbers (e.g. 123456) or one which can easily be guessed by someone else.

Under no circumstances should you keep a written or electronic record of your User ID and password, nor disclose these to any other person, including family, co-employees and those with apparent authority, i.e. BDO Life staff. These must remain confidential to you alone and you must take all reasonable steps to prevent disclosure.

General Use

You will not use or permit the use of your User ID and password in whole or in part for any purpose, whether legal or illegal, other than as specifically intended to carry out your transactions and inquiries via BDO Life’s Electronic Facilities.

Transactions and/or inquiries carried out via BDO Life’s Electronic Facilities are subject to all BDO’s terms and conditions, including the prevailing fees and charges at the time of the transaction or Inquiry as the case may be.

The use of your User ID and password will serve as your authorization for us to carry out transactions that you initiated.

You acknowledge that we shall have no obligation to verify authenticity of any instruction received from you through the use of BDO Life’s Electronic Facilities and without further inquiry, act on any directives contained in that instruction. The Company shall be entitled (but not bound) to give effect to any instruction received, in the terms in which it was received. The Company's record of any instruction shall (unless there is an obvious error) be final and binding.

Access and/or Inquiry on the Insurance Policy/ies

We have the complete discretion to make available BDO Life’s Electronic Facilities to you. We have the authority to decide on the extent of access allow to you and whether to amend, limit, remove, suspend or discontinue any or all of said access without notice or accountability to you and without giving any reason. You agree that by using BDO Life’s Electronic Facilities, after any changes has been made, you have agreed to any such changes. We will not be accountable to you if you are unable to access the system. You understand that while BDO Life’s Electronic Facilities are available 24-hours a day, some or all of the services may not be available at certain times due to prolonged power outages, maintenance, breakdown in computers and communication/electronic/network facilities, typhoons, floods, public disturbances and calamities and other similar or related cases.

Accuracy of Information

In BDO Life’s Electronic Facilities, we provide you with information. You agree that we do not hereby guarantee the completeness and accuracy of any information. Also, we do not assure the accuracy, adequacy, or completeness of any information contained in the BDO and BDO Life Website. And that by proceeding to make the inquiry or transaction, you agree to be bound by such disclaimer.

You are responsible for and must take all reasonable care to ensure the information you supply is accurate. We accept no responsibility and liability for the accuracy of the information or for failure to transmit such information in the manner requested by you.

You must let us know as soon as you think there has been an error in your transactions carried out via BDO Life’s Electronic Facilities. You may:

Call BDO Life Call Center at the following telephone nos. :

Metro Manila – 02 8 885-4110

Domestic Toll Free No. – 1-800-1888-6603

We may require that you send us your complaint or query in writing within 24 hours; or

Send an email to the BDO Life Call Center (we-care@bdolife.com.ph), for questions or errors about online transactions/services; or

Write to BDO Life Call Center, 4^th flr BDO Corporate Center North Tower, Makati Ave. corner H.V. Dela Costa, Makati City

When you tell us your problem, please:

Tell us your name and Insurance Policy Number.

Describe the error or transaction and explain why you believe it is an error.

Tell us the date and time of your transaction. To facilitate our investigation, supply the following details as applicable depending on the type of transaction: policy number/s, complete name (last name, middle name and first name) of policy owner/s, the date of birth of the policy owner, your registered mobile number and billing address.

We will inform you of the results of our investigation immediately, and we will correct any error promptly. However, we do not guarantee reversal of your transaction that has been completely consummated and is irreversible.

Transactions

All transactions that involve changes to your insurance policy/ies shall be considered requests and therefore will be subject to approval of responsible officers of the Company. Should there be any payment transaction effected, it is your responsibility to ensure that there is sufficient available balance in whatever account or source that you have designated to cover or fund your payment. Any charges or penalties as a result of an unsuccessful transaction, due to insufficiency of funds or inactive sources, shall only be for your own account and responsibility.

We implement cut-offs during the day for each transaction. If you carried out a transaction after the cut-off time, it will be stored and processed the next banking day. Any charges or penalties as a result of a next day transaction will be your sole responsibility.

Notice

Notice to you may be sent to your address as shown on our records by regular mail or via electronic mail or other means of communication as we deem appropriate.

Liability

The Company shall not be liable for any loss or damage of whatever nature in connection with the implementation of transactions coursed through the BDO Life’s Electronic Facilities in the following instances:

1. Disruption, failure or delay relating to or in connection with BDO Life’s Electronic Facilities which are due to circumstances beyond the control of the Company, fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, typhoons, floods, public disturbances and calamities and other similar or related cases.

2. Loss or damage you may suffer arising out of any fraudulent access or utilization of BDO Life’s Electronic Facilities due to theft or unauthorized disclosure of User IDs, passwords, or violation of other security measures with or without your participation.

3. Inaccurate, incomplete or delayed information you received due to disruption or failure of any communication facilities used for BDO Life’s Electronic Facilities.

The Company shall not be liable for any indirect, incidental or consequential loss, loss of profit or damage you may suffer or have suffered by reason of your use or failure or inability to use BDO Life’s Electronic Facilities.

You may be liable for some or all loss from unauthorized transactions if you have breached these Terms and Conditions or contributed to or caused that loss. You agree to hold the Bank, its stockholders, directors, officers, employees and representatives free and harmless, as well as indemnify them, from any and all liabilities, claims, damages, suits of whatever kind and nature, arising out of or in connection with the implementation of BDO Life’s Electronic Facilities, including any and all errors inadvertently committed, any computer-related errors resulting to the Company’s failure to effect any instruction via its Electronic Facilities.

Fees and Charges

We may from time to time upon giving you Notice, introduce or change fees and charges for your use of BDO Life’s Electronic Facilities.

Termination of Service

You may request that we terminate your access permanently by calling the BDO Life Call Center. You will remain responsible for any transactions made on your account until the time of cancellation. The Company shall not be liable for any or all remaining scheduled transactions that you previously set up.

We may terminate your access at any time, provided you have been given thirty (30) days prior notice of such termination.

We may terminate your access without prior notice if:

You have breached these Terms and Conditions

We learn of your death, bankruptcy or lack of legal capacity or that you have committed an act of bankruptcy or that a bankruptcy petition has been presented against you

There are insufficient available funds in your designated accounts or sources to cover payments or payment instructions given; or

We consider that we have other reasonable grounds to do so (in which case all reasonable effort will be made to advise you of the circumstances of termination or suspension).

Consent to Recording

You hereby consent to our recording of your telephone instructions to/ conversations with our BDO Life Call Center Officers/staff/agents and you hereby agree that such recordings may be submitted as evidence in any court or other proceedings relating to your availment of the BDO Life’s Electronic Facilities.

Consent to Receive Announcement

You hereby agree to receive messages/announcements from BDO Life regarding any of its products, services and promos via mail, telephone, e-mails or text.

Other Conditions

We reserve the right to vary these Terms and Conditions at any time and will give you thirty (30) days prior notice of such changes.

Should the Company become involved in any litigation which may have relation with BDO Life’s Electronic Facilities, the Terms and Conditions of its use, or with any rights, powers and remedies hereunder, you agree to pay all fees and expenses incurred by the Company in the said litigation, including a reasonable amount for the attorney's fees which amount is hereby agreed to be at the rate of at least 10% of the sum sought, which shall not in any way fall below P10,000.00. Venue of all legal actions or proceeding arising out of or in connection with BDO Life’s Electronic Facilities Services shall be brought in the proper courts of Makati or Mandaluyong City, Philippines or any other place where the Company may subsequently transfer its principal place of business.

YOUR BDO Life Insurance Policy

For Electronic Facilities that require enrollment, only the enrolled BDO Life Policyowners shall be entitled to use the said facilities but shall be responsible for keeping the details provided by BDO Life confidential.

By using BDO Life’s Electronic Facilities, you have accepted and agreed to be bound by any and all laws, rules, regulations and official issuances applicable to any site where the same may be located, including BDO Life microsite and BDO Website.

All the Terms and Conditions herein stated and any amendments thereto have been read and understood by you and you hereby agree to be bound by the same through the use of BDO Life’s Electronic Facilities.