Terms of Service

1. Introduction and Acceptance of Terms

Welcome to Guardian Shield Insurance. By accessing our services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.

2. Scope of Services

Guardian Shield Insurance offers a range of insurance products including Life Insurance, Health Insurance, Auto Insurance, Property Insurance, and Travel Insurance. These services are provided to individuals and businesses within the Philippines.

3. User Obligations and Responsibilities

• You must provide accurate information when using our services.
• You agree to comply with all applicable laws and regulations.
• You must not misuse our services or engage in fraudulent activities.

4. Payment Terms and Conditions

Payments for insurance premiums must be made in accordance with the policy terms. Late payments may result in penalties or cancellation of your policy.

5. Cancellation and Refund Policy

You may cancel your policy within a specified period as per the policy document. Refunds will be processed based on our refund policy outlined in the policy contract.

6. Liability Limitations

Guardian Shield Insurance is not liable for any indirect or consequential damages arising from the use of our services. Our liability is limited to the amount paid for the insurance policy.

7. Intellectual Property Rights

All intellectual property rights related to our services are owned by Guardian Shield Insurance or its licensors. You may not use them without prior written consent from us.

8. Data Protection and Privacy

Your privacy is important to us. We handle your personal data in accordance with Philippine data protection laws and our Privacy Policy.

9. Force Majeure

We are not liable for delays or failures in performance due to events beyond our reasonable control, such as natural disasters, war, or governmental actions.

10. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting on our website, and it is your responsibility to review them periodically.

11. Applicable Law and Jurisdiction

These terms shall be governed by the laws of the Philippines, and any disputes shall be subject to the exclusive jurisdiction of the courts located in Makati City.

12. Contact Information

• Email: [email protected]
• Phone: +63 2 8834 5762

13. Severability Clause

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remaining terms which shall continue to be valid and enforceable.