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7F PNB Center, 6754 Ayala Ave., cor. Legaspi St., Makati City
Empowering Filipinos, operated by CommLinked Inc., promotes online communities giving access to microinsurance through partnership with Pru Life UK, the German Development Cooperation (GIZ) and CLIMBS Life and General Insurance Cooperative.
The content included in Empowering Filipinos website has been compiled from a variety of sources and is subject to change without notice as are any products, programs, offerings, or technical information described in this Website. CommLinked makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Website or content. By using this Website, you assume the risk that the content on this Website may be inaccurate, incomplete, or offensive or may not meet your needs and requirements. CommLinked specifically disclaims all warranties, express or implied, including without limitation the warranties of, fitness for a particular purpose, and non-infringement with respect to this Website. In no event will CommLinked be liable for any special, indirect, incidental or consequential damages even if member/reader has been advised of the possibility of such damages. Certain links on this web site lead to resources located on servers that are not maintained by CommLinked or under its control. The Company is not responsible for the contents of any such referenced websites or for the availability of access to such websites.
CommLinked Inc. owns and operates www.empoweringfilipinos.ph and respects your privacy. Therefore, we want you to feel as comfortable when visiting our web site. We are committed to maintaining the privacy of personal information that you provide to us when using our site.
When you register as a Member to access certain sections of our site, we will collect information from you that includes your name, age, e-mail address, address and telephone number. It is only used for internal purposes and is never shared or sold.
We automatically collect IP addresses and Web site usage information from you when you visit our Web site. This information helps us evaluate how our visitors and subscribers use and navigate our Web site, including the number and frequency of visitors and subscribers to each Web page, and the length of their visits.
We may use your information in the following ways:
• For the purposes for which you specifically provided the information including, for example, to enable us to process, validate and verify subscriptions, product quotations and proposals.
• To enable us to locate your information and delete it if you choose to opt out of our mailing list or to otherwise contact you.
This information is used only by our company and is never shared or sold to anyone else.
Revised July 27, 2017
Welcome to EMPOWERING FILIPINOS which is owned and operated by CommLinked Inc. To ensure that this website remains pleasant and informative, all users shall accept and be subject to these Terms and Conditions of Use.
As a member of Empowering Filipinos website, you are subject to these Terms and Conditions of Use. If you do not agree to all of the Terms and Conditions of Use, you should not access, visit or participate in the online Communities. CommLinked reserves the right to modify, suspend or terminate any member and/or Community for violations of these Terms and Conditions of Use. CommLinked will not be liable to you for any claims or actions arising or resulting from your use, visit, or participation in the website Communities and for any modification, suspension, or termination of the Community, or termination of your access to the site and any Community.
When you visit EMPOWERING FILIPINOS site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of EMPOWERING FILIPINOS or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of EMPOWERING FILIPINOS, with copyright authorship for this collection by EMPOWERING FILIPINOS, and protected by international copyright laws.
EMPOWERING FILIPINOS trademarks and trade address may not be used in connection with any product or service that is not EMPOWERING FILIPINOS, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits EMPOWERING FILIPINOS. All other trademarks not owned by EMPOWERING FILIPINOS or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by EMPOWERING FILIPINOS or its subsidiaries.
LICENSE AND SITE ACCESS
EMPOWERING FILIPINOS grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of EMPOWERING FILIPINOS. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of EMPOWERING FILIPINOS. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of EMPOWERING FILIPINOS and our associates without express written consent. You may not use any meta tags or any other 'hidden text' utilizing EMPOWERING FILIPINOSs name or trademarks without the express written consent of EMPOWERING FILIPINOS. Any unauthorized use terminates the permission or license granted by EMPOWERING FILIPINOS. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of EMPOWERING FILIPINOS so long as the link does not portray EMPOWERING FILIPINOS, its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any EMPOWERING FILIPINOS logo or other proprietary graphic or trademark as part of the link without express written permission.
YOUR MEMBERSHIP ACCOUNT
If you use this site, 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. If you are under 18, you may use our website only with involvement of a parent or guardian. EMPOWERING FILIPINOS and its associates reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.
INFORMATION SHARING WITH THIRD PARTIES
REVIEWS, COMMENTS, EMAILS, AND OTHER CONTENT
Visitors may post reviews, comments, and other content: and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of 'spam.' You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. EMPOWERING FILIPINOS reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise, you grant EMPOWERING FILIPINOS and its associates a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant EMPOWERING FILIPINOS and its associates and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post: that the content is accurate: that use of the content you supply does not violate this policy and will not cause injury to any person or entity: and that you will indemnify EMPOWERING FILIPINOS or its associates for all claims resulting from content you supply. EMPOWERING FILIPINOS has the right but not the obligation to monitor and edit or remove any activity or content. EMPOWERING FILIPINOS takes no responsibility and assumes no liability for any content posted by you or any third party.
RISK OF LOSS
All items purchased from EMPOWERING FILIPINOS are made pursuant to a shipment contract. This basically means that the risk of loss and title for such items pass to you upon our delivery to the carrier.
EMPOWERING FILIPINOS and its associates attempt to be as accurate as possible. However, EMPOWERING FILIPINOS does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current, or error-free. If a product offered by EMPOWERING FILIPINOS itself is not as described, your sole remedy is to return it in unused condition.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY:
THIS SITE IS PROVIDED BYEMPOWERING FILIPINOSON AN 'AS IS' AND 'AS AVAILABLE' BASIS. EMPOWERING FILIPINOS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, EMPOWERING FILIPINOS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. EMPOWERING FILIPINOS DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM EMPOWERING FILIPINOS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.EMPOWERING FILIPINOSWILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
By visiting EMPOWERING FILIPINOS, you agree that the laws of the PHILIPPINES, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and EMPOWERING FILIPINOS or its associates.
Any dispute relating in any way to your visit to EMPOWERING FILIPINOS or to products you purchase through EMPOWERING FILIPINOS shall be submitted to confidential arbitration in PHILIPPINES, except that, to the extent you have in any manner violated or threatened to violate EMPOWERING FILIPINOSs intellectual property rights, EMPOWERING FILIPINOS may seek injunctive or other appropriate relief in PHILIPPINES, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the Philippines Dispute Resolution Center. The arbitrators award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.
SITE POLICIES, MODIFICATION, AND SEVERABILITY
We reserve the right to make changes to our site, policies, and these Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
Revised July 20, 2017