​1. Acceptance of Terms

By accessing and using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service.

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2. Services

Expressed Insurance Services provides insurance-related services, including online insurance applications, policy quotations, premium payment facilitation, policy issuance assistance, and customer support. The availability and scope of services may be modified at any time without prior notice.

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3. Information Provided by Users

To process insurance applications and related services, you agree to provide complete, accurate, and truthful information. Any inaccurate, incomplete, or misleading information may result in delays, rejection of applications, cancellation of policies, or denial of claims by the insurer.

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4. Insurance Coverage and Policy Approval

Submission of an application, inquiry, or quotation request does not guarantee the issuance of an insurance policy. All insurance applications remain subject to the underwriting guidelines, terms, conditions, and approval of the issuing insurance company.

 

5. Electronic Communications

By submitting information through this website, you consent to receive communications related to your application, policy, payment confirmation, and other insurance services through email, SMS, telephone, or other available electronic means.

 

6. Privacy and Data Protection

We are committed to protecting your personal information and handling it in accordance with applicable laws and regulations, including the Data Privacy Act of 2012. Information collected through this website shall be used solely for legitimate insurance-related purposes. For more details, please refer to our Privacy Policy.

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7. Limitation of Liability

While we strive to provide accurate and reliable information, Expressed Insurance Services makes no warranties regarding the completeness, accuracy, or availability of the website and its services. To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of this website or reliance on its contents.

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8. Third-Party Services and Links

This website may contain links to third-party websites or payment service providers. We are not responsible for the content, availability, security, or privacy practices of such third-party services.

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9. Intellectual Property

All content on this website, including text, graphics, logos, images, and other materials, is owned by or licensed to Expressed Insurance Services and may not be copied, reproduced, distributed, or used without prior written consent.

 

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of the Philippines and the applicable rules and regulations of the Insurance Commission.

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11. Amendments

We reserve the right to update or modify these Terms of Service at any time. Any changes shall become effective immediately upon posting on this website.

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12. Contact Information

For inquiries regarding these Terms of Service, please contact:

Expressed Insurance Services
Mobile: +63 915 325 7073
Email: sales@expressedinsurance.com