Terms & Conditions


SGI PHILIPPINES GENERAL INSURANCE COMPANY, INC.

Our Website

Please read these Terms and Conditions of use carefully. Together with our Security and Privacy Statement, and your Duty of Disclosure (collectively referred to as “Terms of Use”), they govern your use of the SGI Philippines General Insurance Company, Inc. website and its pages at https://sgiphils.com.ph/. By using our website, you agree to and accept the Terms of Use in force at that time. Additional terms and conditions may apply to specific matters discussed on our website, and these will be brought to your attention as you browse.

If you have any questions about these Terms of Use, please contact us by phone or email at compliance@sgiphils.com.ph.

The terms ‘our website’ and ‘our site’ refer to the information, text, graphics, services, and other data contained in and under the Uniform Resource Locator (URL) https://sgiphils.com.ph/.

Our website is owned and operated by SGI Philippines General Insurance Company, Inc., an insurance company licensed to undertake non-life insurance in the Philippines.

We reserve the right to change these Terms of Use at any time without specific notice to you.

 

Ownership of All Materials on Our Website

We own all copyrights, designs, graphic and text arrangements, database rights, and other intellectual property rights on our website unless otherwise stated.

Images, logos, names, and trademarks on our website are proprietary marks of SGI Philippines General Insurance Company, Inc. and/or relevant third parties. Nothing on our website grants you any license or right to use these marks, and any unauthorized use may constitute an infringement of the proprietor’s rights.

You may not commercially exploit, publish, distribute, extract, re-utilize, or reproduce any part of our website without our prior written approval. No part of our website may be reproduced, stored, modified, adapted, uploaded to another location, or displayed publicly in any form without our consent.

If you participate in any discussion or forum on our website, you confirm that any comments or suggestions you make become our property. We may use your input without payment to you or any other person, and we are free to develop concepts or similar ideas mentioned by you. You also warrant that such use by us will not infringe upon any third party’s rights.

 

No Advice

Our website does not provide personal, financial, investment, or insurance advice. The information on our website does not consider your specific financial or insurance needs. Always seek independent advice before acting on any information provided on our website or through linked resources.

 

Availability and Accuracy of Our Website

While we strive to ensure uninterrupted and error-free access to our website, technical issues beyond our control may occasionally disrupt service. We cannot guarantee that our website will always meet your needs or that defects will be remedied immediately.

Our website and its content are provided on an ‘as is’ and ‘as available’ basis. Access to and use of our website is at your own risk. We do not warrant that using our website or downloading materials from it will not cause damage to your property or data, including but not limited to loss of data, computer virus infection, spyware, or malicious software.

We may suspend access to our website without notice for maintenance or other reasons.

If you access or use our website, you are responsible for complying with all applicable local laws. You are not permitted to access or transact on our website if your local laws prohibit its use or render any product or service illegal or unenforceable.

THE FOLLOWING PROVISIONS SHOULD BE READ CAREFULLY AS THEY EXCLUDE OR LIMIT OUR LEGAL LIABILITY IN CONNECTION WITH YOUR USE OF OUR WEBSITE. Nothing in these provisions attempts to exclude liability that is not allowed under applicable law.

We are not liable if you lose any content or material when uploading or transmitting it through our website.

We do not guarantee the availability of any product or service at any particular time or price.

We exclude all warranties, representations, and liabilities to the fullest extent permitted by law, including but not limited to the accuracy, availability, or completeness of the website’s content.

We (including our employees, officers, and directors) will not be liable for any direct or indirect economic losses, loss of revenue, data, profits, contracts, business opportunities, goodwill, or reputation arising from your use of our website.


Site Access

Our website is intended for use by Filipino citizens, Philippine permanent residents, or foreign nationals residing in the Philippines (‘Philippine Residents’). Applications from non-Philippine Residents will not be accepted unless otherwise stated.


Use of Personal Information

By using our website, you agree that your personal information will be handled in accordance with our Security and Privacy Statement.

Restrictions of Use

You must not:

  • Use our website for unauthorized purposes.
  • Disrupt access to or damage our website.
  • Use automated tools to extract or compile data from our website.
  • Reverse engineer, decompile, or modify any part of our website.
  • Misuse of our website or intellectual property may result in legal action.


Amendments to these Terms of Use

We may update these Terms of Use at any time. BY CONTINUING ON THE WEBSITE, YOU ACCEPT THESE TERMS OF USE. We recommend checking these Terms of Use regularly.


Monitoring of Telephone Calls and Emails

Telephone calls and email correspondence may be recorded for training and fraud prevention purposes. By using these communication methods, you consent to such activities.


Law and Jurisdiction

The use of our website and the availment of our products and services are governed by the laws of the Philippines. Any disputes shall be subject to the exclusive jurisdiction of the courts of Manila City.


Indemnity and Waiver

If you breach these Terms of Use, you agree to indemnify us for any loss, costs, or expenses incurred as a result. Failure to take immediate action against a breach does not waive our rights to enforce these terms.


My Acknowledgment

By using our website, you acknowledge and accept these Terms of Use. These terms replace any previous versions, and we are not obligated to notify you of changes. Your continued use of our website constitutes acceptance of the updated terms.