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PLEASE READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS OF USE.  THESE APPLY TO ALL VISITORS OF THIS SITE. IN THIS SITE, YOU AGREE TO ABIDE 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.

The AXA Philippines site is an information site intended both for AXA Philippines clients and for non-clients.  Information contained in the site is strictly for informative purposes only.  It does not entail any legal commitment or contractual agreement on the part of AXA Philippines, which also reserves the right to modify its characteristics.

ACCEPTANCE OF THE TERMS OF USE

AXA Philippines reserves its right to modify, add to, or remove and update any part of its terms of use at any time.

ACCESS AND USE

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

AXA Philippines grants you a limited license to access the site and use the services in accordance with these Terms and Conditions, as well as the instructions and guidelines posted on the site. AXA Philippines reserves the right to terminate your license and services at any time for any reason, or in the future, for commercial usage.

Unauthorized use of this site and systems including but not limited to spamming, spam related activities, or disassemble, decompile, copy, modify or reverse engineer any of the software therein.  Unauthorized entry into AXA Philippine's systems, misuse of passwords, or misuse of any information posted on a 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 AXA Philippines’ permission.

This site is not intended for distribution, 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 site administrator. AXA Philippines 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 AXA Philippines. AXA Philippines shall not be liable for any information, materials, products and services posted or offered by any of these third-party sites. Any participation in any sponsored promotion endorsed or administered by third parties.  You therefore agree to release AXA Philippines from any claims or liabilities.

INTELLECTUAL PROPERTY

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

The brand names and/or logos featured on the site are owned and acquired under license contract by AXA.

TECHNICAL INFORMATION

Bear in mind that the confidentiality of correspondence is not guaranteed outside the computer network of AXA Philippines.  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/INFORMATION COLLECTED WHEN YOU VISIT OUR WEBSITES

Users are informed that when they access this site, information will be temporarily stored in memory or on their hard disk known as “cookies”.  In order to optimize and customize navigation on this site, any user can configure the preferences of his browser to refuse cookies. In this case, certain functions of the site may not be accessible.

We do not collect or store any personal data from you under this circumstance. You have a choice not to accept the cookies, but if you do, certain functionality, i.e. banner redirection and certain content display may not be available.

STATISTICS ON VISITORS TO OUR WEBSITE

When you use this website, AXA Philippines will record anonymous statistics about your visit and will not collect any information which identifies your personal identity until you in fact decide to agree to buy any of our products. Our service providers make a record of your visit that includes but not limited to IP addresses (and domain names), the types and configurations of browsers, language settings, geo-locations, operating systems, previous sites visited, and time/duration and the pages visited.

If you would prefer, you can set your browser to disable cookies or inform you when they are set.

THIRD PARTIES

We may engage with third parties to provide us with certain analytical services to better understand our visitors, which may use technologies to collect and store anonymous information when you visit our website.   We may have access to this information to permit us to identify other websites that you have visited that are also associated with that third party. In doing so, however, these third parties do not collect personal information (unless you explicitly provide it to them), and we do not give any personally identifiable information to them.

ABSENCE OF GUARANTEE

AXA Philippines by all efforts keep this site up to date. However, AXA Philippines does NOT guarantee the accuracy, adequacy, correctness, completeness or quality of any information or material presented on this site.  It does not claim any liability for errors or omissions in the information or material.  AXA Philippines 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.

LIMITATION OF LIABILITY

AXA Philippines, including any of its directors, officers, employees and/or representatives, shall in no case be held responsible for any direct or indirect damage, loss, or injury resulting from the visit or use of this site or linked sites.  The use or dependence of any information or material in the site, or the inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, system failure associated with the visit to the site or linked sites, including incidental or consequential damages, losses and expenses.

SEVERABILITY

Should any provision of these Terms and Conditions be or subsequently become invalid, illegal or unenforceable.  These Terms and Conditions shall be deemed amended to delete therefrom the provision adjudicated invalid, illegal or unenforceable and the validity of the remaining provisions of these Terms and Conditions shall not be affected. However, to the extent possible, any provision adjudicated invalid, illegal or unenforceable shall be replaced with a provision that closely provides the intended result of the deleted provision.


AXA PHILIPPINES PRIVACY STATEMENT

AXA Philippines is committed to maintaining the privacy of data obtained in the course of its business.  Concurrent to this compliance is our acknowledgement that the data subjects whose personal information and sensitive personal information (collectively, “Information) we collect and process are handled incorporating the minimum standards defined by the  Republic Act No. 10173 (“Data Privacy Act of 2012” or “DPA”), its own internal Privacy Rules and AXA Group standards based on the European Union’s General Data Protection Regulations (EU GDPR) via the Binding Corporate Rules.

As a client who provide personal information and sensitive personal information to AXA Philippines, you authorize and consent to the collection, use, processing, and transfer of said information according to valid and legitimate purposes. Further, you authorize sharing of said information to regulatory bodies or government agencies to allow AXA Philippines to meet its obligations under applicable laws, regulations, including contractual obligations. We may further collect or disclose necessary Information from our subsidiaries and affiliates or other agencies as allowed by the law.

AXA Philippines also commits to maintaining the integrity, availability and confidentiality of your information against any incidents or breaches while ensuring the protection of the fundamental right of privacy. This commitment applies to all its employees, directors, and distributors of AXA Philippines. Processing of information will only be done when client has given his/her consent prior to the collection of the data or as soon as practicable and reasonable. AXA Philippines will protect the privacy of your information through implementation of organizational, technical, and security measures against the unauthorized or unlawful use, loss, alteration, destruction, sharing, or access to the Information which are transmitted, stored, or otherwise processed. Under no circumstance will AXA Philippines allow selling of Information.

Any transfer or sharing, or outsourced processing of your Information will be carried out in compliance with the local law through an Agreement.

CONTENT AND USE OF INFORMATION

All information provided in this site shall be deemed and shall remain the property of AXA Philippines.  AXA Philippines shall be free to use for any purpose, any idea, concepts, know-how or techniques contained in the provided information, subject to the provisions on privacy detailed herein. Except as specifically required by Philippine law, AXA Philippines shall not be subject to any obligations of confidentiality regarding the provided information.

By posting any content, you are granting permission to AXA Philippines and others to access and use it in connection with any service and otherwise in connection with our business. In connection with your posted contents, you agree that you will not: (1) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material; (2) publish falsehoods or misrepresentations that could damage AXA Philippines or any third party; (3) submit URLs or contents that are unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive and encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; (4) offer or provide services whose subject matter is pornographic.

Likewise, reference to political activities, political party meetings, demonstrations, fliers or petitions, as well as the propagation of political symbols is prohibited. Furthermore, posted contents that insult, belittle, or in other negative ways affect other users are also prohibited. If you violate any of these restrictions, AXA Philippines is authorized to deny or delete your posted content and/or cancel your right to use the site and/or services, without prior notice. AXA Philippines may do so in its sole discretion without any obligation to investigate. You will be liable to AXA Philippines for all direct and indirect damages for any violation of the above-mentioned restrictions. You agree to indemnify AXA Philippines from all claims by third party resulting from your violation of the above restrictions.

PERSONAL DATA

AXA Philippines is committed to the protection of the personal information of our clients. As you use our services and share information with us, we want to be clear on how we are using your information and the ways in which we protect your privacy. However, AXA Philippines shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed to by AXA Philippines directly to the customer or as required by Philippine law. Please do take time to get to know our privacy policy and if you have questions, contact us at Customer.Service@axa.com.ph

The personal information communicated by the user to AXA Philippines thru the AXA Philippines sites or microsites, by way of forms or questionnaires placed on line, is necessary for the processing of these forms and questionnaires. When you share personal information with us, we use the information we collect to provide, maintain, protect and improve and develop our services, and to protect AXA Philippines and our users. The personal information we collect will be processed by the various concerned departments of AXA Philippines and may be processed on a server located outside the country where you live. We will ask for your consent before using information for a purpose other than those that are set out herein.

INFORMATION WE SHARE

We do not share personal information with entities and/or individuals outside of AXA Philippines but subject to the provisions applicable to the Philippine law, personal information may be:

  1. Made available to any of AXA Philippines affiliated companies and/or any individual and/or entities associated with AXA Philippines.  In this regard, you consent the transfer of your data outside of the Philippines;
  2. Supplied with your consent to persons you have authorized in writing;
  3. Disclosed to any government or appropriate regulatory authorities; and/or
  4. Shared with entities and/or individuals outside of AXA Philippines or any of its affiliates.  We have good-faith in the processing and/or disclosure of the information necessary to comply with laws or regulations or for the purpose of AXA Philippines’ legitimate interest.

ACCESSING AND UPDATING YOUR PERSONAL INFORMATION

The user has the right to reasonable access, modification, correction and removal of data collected in this site, under the conditions stipulated by the Philippine data privacy laws and regulations, unless we have to keep that information for legitimate business or legal purposes.

When updating your personal information, we may ask you to verify your identity before we can act on your request.  We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system), risk the privacy of others or would be extremely impractical.  We can also provide information access and correction for free, except when it would require a disproportionate effort.  Our aim is to maintain our services in a manner that protects information from accidental or malicious destruction. Upon deletion of your information from our services, we may not immediately delete residual copies from our active servers and backup systems.

YOUR RIGHTS AS DATA SUBJECTS

As a data subject, you are entitled to exercise the following minimum rights to AXA Philippines and any third party engaged by AXA Philippines for sub-processing of your Information, if applicable:

1.    Client has a right to be informed whether personal data pertaining to him shall be, are being, or have been processed, including the existence of automated decision-making and profiling. Client must be notified and furnished with the Information provided by law before the entry of his or her personal data into the processing system of AXA Philippines or at the next practical opportunity.

2.    Client has a right to object to the processing of his Information, automated processing, or profiling. He must be notified and given an opportunity to withhold consent in case of changes to the Information, unless required under the law or as a legal obligation. Client may also object to receiving telemarketing communications or information from the company.  In case of the exercise of this right, AXA Philippines shall no longer process the data unless it is one of the circumstances indicated by law.

3.    Client has the right to reasonable access to, upon demand, on the following Information:  Contents of the Information that are processed; sources from which the personal data were obtained; names and addresses of recipients of the personal data, manner by which such data were processed; reasons for the disclosure of the personal data to recipients, if any; information on any automated processes where data will or is likely to be made as sole basis for any decision that significantly affects or will affect the client; date when personal data concerning client were last accessed and modified; and AXA Philippines’ identity and address.

4.    The client has the right to dispute the inaccuracy or error in the personal data and have AXA Philippines correct it immediately and accordingly, unless the request is vexatious or otherwise unreasonable. If the personal data has been corrected, AXA Philippines shall ensure the accessibility of both the new and the retracted information and the simultaneous receipt of the new and the retracted information by the intended recipients thereof: Provided, That recipients or third parties who have previously received such processed personal data shall be informed of its inaccuracy and its rectification, upon reasonable request of the client.

5.    The client has the right to suspend, withdraw or order the blocking, removal or destruction of his or her personal data from AXA Philippines’ filing system upon the conditions declared by law.

6.    Client has the right to be indemnified for any damages sustained due to such inaccurate, incomplete, outdated, false, unlawfully obtained or unauthorized use of personal data, taking into account any violation of his or her rights and freedoms as data subject.

7.    Where his or her personal data is processed by electronic means and in a structured and commonly used format, the client has the right to obtain from AXA Philippines and in a structured or commonly used format, a copy of such data in an electronic or structured format that is commonly used and allows for further use by client and in accordance with the provisions of law.

RETENTION

AXA Philippines ensures personal data is not kept longer than is necessary for the fulfillment of the purpose for which the data is or is to be used.

Personal Information shall be retained by AXA Philippines for as long as the same is required to meet its obligations and comply with applicable legal requirements, or other standards set out by a governing body. The information shall be retained only for as long as necessary and within a definite period until it is destroyed, disposed, or anonymized, unless the same cannot be allowed by any written or express authority.

SECURITY

The Company applies strict measures to safeguard the confidentiality of personal data. We limit access to your personal data to people working for us on a business need to know basis who shall ensure that your personal data are protected against unauthorized or accidental access, processing, erasure, loss or use.

We store information under a secure site with SHA 256 encryption. Personal data to and from the Company is encrypted through the Secure Socket Layer (SSL) protocol.

ONLINE PRIVACY

We use online data collection tools to evaluate the effectiveness of our websites, improve functionality and enhance security.  Like many organizations, we gather data such as IP address, how visitors explore our websites, information about a new or a repeat visit, pages the visitor explored, length of the visit and geographical location or similar details.  All such information is collected in an aggregate form and is used to improve our websites' functionality and performance, so we can create a better experience for our visitors.

We collect this information through the use of cookies and electronic images known as web beacons.  A cookie is a small piece of information that a website sends to your computer where it is stored in your hard drive.  The next time you visit our website, we may use the information stored on your cookie to make your visit easier.  A cookie does not tell us your identity unless you have chosen to provide it to us.  Cookies cannot access other information or files from your computer.

There are two types of cookies - session cookies sometimes called “transient” cookie and permanent or persistent cookies.  Session cookies are erased when you leave the website or close your internet browser.  A permanent cookie remains on your computer even when you close your browser.  A permanent cookie can only be read by the website that created it.  AXA Philippines does not use permanent cookies.

The information collected by the cookie or the web beacon is not used in connection with any other information that could identify you personally.  We may share the site visit information obtained using cookies, web beacons and other similar online tracking tools with Google Analytics or other similar tools to analyze online activity on our websites.

DATA BREACHES

AXA Philippines values the trust and relations with our clients, hence we will ensure to address all personal data breaches in relation to data subjects whose Personal information are held, processed, retained or shared by AXA Philippines. The standards for breach management implemented by AXA Philippines are guided by the local law and regulation, in coordination with AXA Group. If you have information or have reason to believe that your Information was unlawfully obtained, shared, disclosed, or used for unauthorized purposes, you may contact the Data Privacy Officer of AXA Philippines.

DATA PRIVACY OFFICER (DPO)

AXA Philippines’ DPO ensures that the company meets its requirements and obligations under the applicable data privacy laws, rules, and regulations. Any complaints or breaches must be communicated directly to the DPO.

            Contact information:

            AXA Philippines Data Privacy Officer

            Address: 34/F GT Tower International 6813 Ayala Avenue corner H.V. Dela Costa Street, Makati City, Philippines 1200

            Contact Number: +631 885-0101 local 6218 or 3825

            Email address: dpo@axa.com.phfor life insurance policies

                                     dpo-gi@axa.com.ph for general insurance policies