Website Terms & Conditions
When you access our internet web site, you agree to these Terms and Conditions.
Welcome
Welcome to PhilCare’s website and online services (“PhilCare
Site” or the “Site”), an online information and communications service provided
by PhilCare (“PhilCare” or “We” or “Us”). This policy is intended to cover the
uses for all of the Site, although additional conditions, restrictions and
privacy policies may apply.
Health Care Disclaimer
The content, products and services offered herein are here to
educate consumers on health care and medical issues that may affect their daily
lives. Nothing in the content, products or services should be considered, or
used as a substitute for, medical advice, diagnosis or treatment. This site and
its services do not constitute the practice of any medical, nursing or other
professional health care advice, diagnosis or treatment. You should always talk
to your health care provider for diagnosis and treatment, including your
specific medical needs. None of the products or services offered through this
website represents or warrants that any particular service or product is safe,
appropriate or effective for you. We advise users to always seek the advice of
a physician or other qualified health care provider with any questions
regarding personal health or medical conditions. If you have or suspect that
you have a medical problem or condition, please contact a qualified health care
professional immediately.
Terms of Use
Use of the Site is subject to the following terms of use.
PhilCare may modify these terms and conditions at any time, and such
modifications shall be effective immediately upon posting the modified terms
and conditions on the PhilCare Site.
You agree to review the agreement periodically to be aware of
such modifications, and your accessing or using the service constitutes your
acceptance of the agreement as it appears at the time of your access or use.
From time to time, PhilCare may offer website visitors the opportunity to
participate in additional features or services through the PhilCare Site. You
may be required to enter into additional agreements or authorizations before
you can access such features or services.
Intended
for Users 18 and Older
The Site is intended for use by individuals 18 years of age or
older. This website is not directed for use by children under the age of 18.
Users under the age of 18 should get the assistance of a parent or guardian to
use this site.
You agree that you will not:
·
Upload or transmit any
communications or content of any type that may infringe or violate any rights
of any party
·
Use this website for any
purpose in violation of local, national or international laws
·
Use this site as a means to
distribute advertising or other unsolicited material to any third party
·
Use this website to post or
transmit material that is unlawful, obscene, defamatory, threatening,
harassing, abusive, slanderous, hateful or embarrassing to any other person or
entity
·
Attempt to disable, “hack”
or otherwise interfere with the proper functioning of this website
·
If you use any part of the
Site requiring secure access, you are responsible for maintaining the
confidentiality of your account and password and for restricting access to your
computer, and you agree to accept responsibility for all activities that occur
under your account or password.
Order Limitations
PhilCare may, in its sole discretion, terminate your account or
your use of the Site at any time. You are personally liable for any orders that
you place or charges that you incur prior to termination.
PhilCare reserves the right to change, suspend or discontinue
all or any aspects of the Site at any time without prior notice.
Social Networking Media
Your use of social networking media, including but not limited to participation in or use of blogs, threaded discussions, message boards and wikis (“Social Media”)gives PhilCare the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from and otherwise use your submission for any purpose, in any form, and on any media. Your use of social networking media is conditioned upon your compliance with the following conditions.
1.
Do not post or transmit any
unlawful, threatening, abusive, libelous, defamatory, racist, obscene, vulgar,
pornographic, profane or indecent information. This includes, without
limitation, any transmissions that are or that encourage illegal conduct. This
ban includes anything that would constitute a criminal offense, give rise to
civil liability or otherwise violate any local, national or international law.
2.
Never post or transmit comments
containing harassing or offensive language, defamatory, harassing, abusive,
slanderous, hateful or embarrassing to any other
3.
person or entity, using
sexual references, sexual nicknames, racial slurs or rude or deliberately
offensive comments, as determined by PhilCare in its sole discretion.
4.
Do not engage in disruptive
activity online, including excessive use of scripts, sound waves or spamming or
scrolling (repeating the same message over and over).
5.
Do not post or transmit any
information, software or other material that violates or infringes the rights
of others. This prohibition includes material that constitutes an invasion of
privacy or publicity rights permission from the owner.
6.
Never post or transmit any
information, software or other material that contains a virus, worm, Trojan
horse or other code that has contaminating or destructive properties.
7.
Do not post any
advertisements of solicitation for business, information, software or other
material for commercial purposes.
8.
Do not solicit other users
to join or contribute money to any online service or other organization, or
advocate or attempt to persuade users to join in legal or illegal schemes.
9.
Do not allow another person
to use your credentials for posting or viewing comments.
10.
Never pretend to be any
other person or entity including but not limited to a spouse, child, sibling,
parent or any other relative. Site users also may not falsely represent their
professional or other affiliation with any person or entity.
11.
Do not use the Service to
collect personally identifiable information in violation of the policies
contained in the Cigna Privacy Information.
12.
Do not post chain letters
or pyramid schemes
You agree that PhilCare, at our sole and absolute discretion,
determines whether any information transmitted or received violates these
provisions.
·
PhilCare reserves the right
(but is not obligated) to do any or all of the following:
·
Remove communications that
fail to conform with these terms of use
·
Terminate a user’s access
to the entire Site or specific features such as the blog
·
Edit or delete any
communications posted on the blog features, regardless of whether such
communications violate these standards.
You also agree to indemnify and hold PhilCare and our employees,
officers, directors and agents harmless from any claim or demand, including
reasonable attorneys’ fees, made by a third party arising from any information
or material you contribute to the Social Media you access via the Service.
PhilCare has no obligation to monitor Social Media. But we
reserve the right to monitor any and all information transmitted or received
through the Service. PhilCare may examine, record, copy and use any information
on the Service in accordance with the PhilCare Privacy Information. We reserve
the right, in our sole and absolute discretion to remove any information or
materials, in whole or in part, from Social Media.
When using the Site or Social Media, please be certain that
anything you disclose does not compromise your personal safety. Please don’t
provide your name, phone number, social security number or any other personally
identifying information to people you do not know. Don’t continue any
conversation online that makes you feel uncomfortable. Protect your safety and
privacy.
Web-Enabled Mobile or Handheld Devices
Certain web and smartphone applications of the Site have been
designed to run on a personal computer, standard laptop or web-enabled mobile
device. If you view or use the Site on a mobile or handheld device you may
experience some display and functionality limitations. You may experience
varying wireless network coverage and speed, depending on your geographic
location and telecommunications provider. The Site should not be used while
operating any motor vehicle, or in any other manner that might endanger yourself
or others.
If your mobile device uses Global Positioning System (GPS)
technology, trackers, or other location tracking tools, your location
information may be used for purposes of determining your location when using a
function on the Service that uses such information. While using the Site, if
you allow your location information to be obtained, we will use this
information solely to return your estimated location and to provide you with
more personalized results and/or services. PhilCare does not monitor your GPS
tracking or location information, and does not save this information. We will
not use this information to identify you or disclose this information to any
third parties.
By using the Site, you expressly agree and acknowledge that
PhilCare shall not responsible for any of the following: (a) performance
limitations and/or failures experienced in connection with any wireless or
Wi-Fi service used to access the Site; (b) data transmitted through wireless
access that may be intercepted by unauthorized persons; or (3) your failure to
physically secure and/or monitor your personal computer, laptop or wireless
device or to protect your passwords, resulting in unauthorized access to the
Site and/or your PhilCare account or plan information.
While using any web-enabled mobile or handheld device to use the
Site, standard mobile phone carrier and data usage charges will apply. You
expressly agree and acknowledge that the use of any mobile or handheld device
is at your sole risk and shall be in accordance with all applicable local and
national laws.
e-Commerce
One-time charges
A valid payment method is required for all purchases. If we are
unable to receive your payment within the prescribed time period, we may cancel
your order or request an alternate form of payment or arrange for another means
of payment. PhilCare’s designated credit card processor will collect your
payment information and related personal information for its use in processing
your payment for the products or services ordered by you. Any complaints or
grievances regarding the processing of your payment should be addressed to
PhilCare at the contact information given below. You understand that the prices
for products and services may be changed from time to time, but that the website
will reflect current prices.
Responsibility for charges and fees.
You are solely responsible for all charges and applicable fees
(including taxes and any fees related to the payment method you have chosen)
associated with your order. Delivery charges are for your account though from
time to time, PhilCare may extend promotions that offer free delivery.
Indemnification
You agree that you will indemnify PhilCare against any damages,
losses, liabilities, judgments, costs or expenses (including reasonable
attorneys’ fees and costs) arising out of a claim by a third party relating to
materials you have posted or other actions taken by you on the Site.
Intellectual Property
The marks “PhilCare” and the figure eight in the colors of blue
and green with a dot at the center of the upper and lower loops, are trademarks
and/or service marks of PhilhealthCare, Inc. The content and design of the
PhilCare Site is protected by Philippine and international copyright laws. You
may not copy, reproduce, republish, upload, post, display, transmit or frame
any of these materials without prior written consent from the copyright owners,
except that you may view, download, display and print a single copy of these
materials on a single computer for personal, non-commercial use only, so long
as: you do not alter or modify the materials in any way; you include all
applicable notices and disclaimers (including copyright notices); and you do
not use the materials in a way that suggests an association with PhilCare or an
affiliated PhilCare entity. You understand and agree that title to these
materials shall not pass to you or any other user.
Disclaimers
YOU UNDERSTAND AND AGREE THAT THE PHILCARE SITE AND ANY
SERVICES, CONTENT OR INFORMATION CONTAINED ON OR PROVIDED BY THE PHILCARE SITE
IS PROVIDED ON AN “AS IS” BASIS. PHILCARE DOES NOT MAKE ANY EXPRESS OR IMPLIED
WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT
LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE
OR ANY MERCHANDISE, INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE. IN
ADDITION, PHILCARE DOES NOT GUARANTEE THAT USE OF THE PHILCARE SITE WILL BE
FREE FROM TECHNOLOGICAL DIFFICULTIES INCLUDING, BUT NOT LIMITED TO,
UNAVAILABILITY OF INFORMATION, DOWNTIME, SERVICE DISRUPTIONS, VIRUSES OR WORMS,
INACCURATE CALCULATORS AND YOU UNDERSTAND THAT YOU ARE RESPONSIBLE FOR
IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR
REQUIREMENTS FOR ACCURACY OF DATA INPUT AND OUTPUT.
Errors on the PhilCare Site
Content, prices, and availability of products and services are
subject to change without notice. Errors will be corrected where discovered,
and PhilCare serves the right to revoke any stated offer and to correct any
errors, inaccuracies or omissions including after an order has been submitted
and whether or not the order has been confirmed and your payment received. If
your payment instrument has already been charged for the purchase and your
order is cancelled, PhilCare will issue a reimbursement in the amount of the
charge. If you are not fully satisfied with your purchase, you may return it in
accordance with the Site’s return policy.
Limitations of Liability
THE USE OF THE SITE IS ENTIRELY AT YOUR OWN RISK, AND IN NO
EVENT SHALL PHILCARE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ANY OTHER MONETARY OR OTHER
DAMAGES, FEES, FINES, PENALTIES, OR LIABILITIES ARISING OUT OF OR RELATING IN
ANY WAY TO THIS SERVICE, OR SITES ACCESSED THROUGH THIS SERVICE, AND/OR CONTENT
OR INFORMATION PROVIDED HEREIN. YOUR SOLE AND EXCLUSIVE REMEDY FOR
DISSATISFACTION WITH THE SERVICE IS TO STOP USING THE SERVICE. USER HEREBY
ACKNOWLEDGES THAT THIS PARAGRAPH SHALL APPLY TO ALL CONTENT, MERCHANDISE AND
SERVICES AVAILABLE THROUGH THE SITE.
Links to Third Party Websites
The Site contains links to other sites operated by third
parties, including but not limited to third party sites that may display the
PhilCare trademarks (“Third Party Site,” “Third Party Sites”). These links are
available for your convenience and are intended only to enable access to these
Third Party Sites and for no other purpose.
PhilCare does not warrant or make any representation about the
substance, quality, functionality, accuracy, fitness for a particular purpose,
merchantability or any other representation about any Third Party Site or its
content. A link to a Third Party Site on the PhilCare Site does not constitute
sponsorship, endorsement, approval or responsibility for any Third Party Site.
PhilCare makes no representation or warranty as to any products or services
offered on any Third Party Site. The conditions of use and privacy policy of
any Third Party Site may differ substantially from the conditions of use and
legal notices that apply to your use of the Site. Please review the conditions
of use for all Third Party Sites for more information about the terms and conditions
that apply to your use of Third Party Sites.
Registration to the PhilCare Site
Certain areas of the PhilCare Site are accessible only to
registered users. To be a registered user, you must be eligible to receive the
MyPhilCare service. In order to access the registered-user-only areas of
MyPhilCare, you will need the username and password provided to you.
You acknowledge that the use of username and password is an
adequate form of security. You are solely responsible for (1) authorizing,
monitoring, controlling access to and maintaining the strict confidentiality of
your username and password, (2) not allowing another person to use your
username or password, (3) any charges or damages that may be incurred as a
result of your neglect to maintain the strict confidentiality of your username
and password, and (4) promptly informing PhilCare in writing of any need to
deactivate an username due to security or other concerns. PhilCare is not
liable for any harm related to the theft of usernames or passwords, disclosure
of usernames or passwords, or your authorization to allow another person or
entity to access and use the PhilCare Site using your username or password. You
shall immediately notify PhilCare of any unauthorized use of your username or
password and any breach of confidentiality. Until PhilCare receives this
notification from you, you will be held liable for any harm ensuing from the
use of your username on MyPhilCare.
Submissions to the PhilCare Site
If any user of the PhilCare Site makes any submission (such as
questions, comments, resume, or suggestions) to PhilCare, whether oral, written
or electronic, no confidential
relationship shall be established between the user and PhilCare; The user’s
submission, and any information submitted with it, shall be considered
non-confidential and shall be considered the sole and exclusive property of
PhilCare. PhilCare shall have no obligation of any kind (such as compensation)
with respect to the submission or any materials that accompany it. PhilCare
shall be free to use or transmit to others any ideas, concepts, or techniques
contained in the user’s submission and accompanying materials for any purpose
whatsoever, including, but not limited to, research, development, manufacture,
use or sale of any products or services incorporating or relying on such
information.
Personal Information A user’s personal information is treated in
accordance with PhilCare’s Privacy Policy.
Click-Stream Data and Cookies
A “cookie” is a small text file placed on your computer by a web
server when you access a web site. Cookies are frequently used on web sites.
Cookies in themselves do not identify the individual user, just the computer
used.
PhilCare
generally uses cookies to make a record of your visit and will log the following
information:
·
Your server address;
·
Your top level domain name;
·
The date and time of access
to the web site;
·
Pages accessed and
documents downloaded;
·
The previous web site
visited; and
·
The type of browser
software in use.
PhilCare
uses this information for various purposes including:
·
Statistical purposes;
·
To enable you to access
online services; and
·
To determine whether you have previously used parts of the
website or to identify the pages you have accessed, bit in each case,
information collected cannot be used to personally identify you.
You
can choose if and how a cookie will be accepted by configuring your preferences
and options in your browser. For
example, you can set your browser to notify you when you receive a cookie or to
reject cookies. However, if you decide not to display cookies, then you may not
be able to gain access to all the content and facilities of this web site.
Present or Future Employment with PhilhealthCare, Inc.
Should you become employed with PhilCare, none of the
information or materials on the PhilCare Site shall constitute or be considered
part of an employment contract or an employee manual or handbook. Nothing
stated or represented on the PhilCare Site shall affect the employment
relationship between PhilCare and its current, former, or future employees.
Forward-Looking Statements
The Site may, from time to time, contain forward-looking
statements that include information about financial prospects, plans and
objectives of management for future operations, economic conditions, trends and
known uncertainties. PhilCare cautions the reader that actual results could
differ materially from those that PhilCare expects, depending on the outcome of
certain factors. In some cases, PhilCare describes uncertainties when offering
forward-looking statements. PhilCare does not undertake any obligation to
correct or update any forward-looking statements on the Site.
Jurisdiction
You agree that any dispute or claim (including personal injury
claims) related to your use of the PhilCare Site is subject to the exclusive
jurisdiction of the appropriate court in Makati City, Philippines. This
agreement also applies to anyone claiming on your behalf.
Contact information
If you have any questions or comments about the PhilCare Site,
please contact PhilCare at:
5/F iACADEMY Building, 6764 Ayala Avenue Makati City, Philippines
Email us at customercare@philcare.com.ph Call +63 (2) 802 7333
This
policy was last updated November 3, 2014.