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LEGAL

Please read the following terms and conditions carefully before using this Web site or any of our other Web sites. You should review these terms and conditions regularly as they may change at any time. References to "Web site" and "site" mean both the singular and plural of these terms.

Confidentiality

Sun Life Grepa Financial Inc. (SLGFI) is committed to respecting the privacy of your personal information. We gather and save statistics about the number of people who visit our site, the pages most often viewed, etc., strictly for our own use.

Any information you choose to provide to us (for example, by filling out a survey or sending us e-mail) is for our use only. Your activity on our Web site will not result in your being added to a mailing list, unless you specifically request us to do so. We will not provide or sell any information from any of our surveys, e-mail lists, or electronic forms to any third party. No sales person will call you unless you specifically request it.

It is important to keep in mind, however, that the Internet is not a totally secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input on this site or send to us on the Internet. SLGFI will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information sent over the Internet.

If you have questions about this policy, please contact us.

Conditions of Use

Nothing in this site constitutes an offer to buy or sell products or services of SLGFI. All products and services are subject to the terms and conditions of any applicable agreements. All terms and conditions of your existing policies shall remain in full force and effect and unchanged by this website.

Our products and services are available only in jurisdictions where they may be lawfully offered for sale and may be sold only in accordance with the laws and regulations of such jurisdictions where they are found. Not all products and services are available in all geographical regions.

This site is for general information purposes only. It is not intended to provide you with any personalized financial, accounting or tax advice. It should not be used as a substitute for personal advice from an appropriate professional advisor. This site is not intended to provide you with any legal advice. If you require legal advice, please consult with your own lawyer.

Information provided on this site is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information in this site is subject to modification from time to time without notice.

We will make every reasonable effort to provide you access to our site. However, there will be occasions when the site will be unavailable for use or times when we find it necessary to shut down our site for a period of time for maintenance, updates, other reasonable adjustments and other causes.

Sites accessed by hypertext links appearing in this site may have been independently developed by others. We do not guarantee the accuracy of any information in these other sites. The listing of an organization not affiliated with SLGFI in this site should not be interpreted as an endorsement of its services or products by any of its affiliates.

Your use of this site shall be entirely at your risk. SLGFI will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the site or its contents.

OUR WEB SITE AND INTERACTIVE WEB SERVICES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND THE WARRANTY AGAINST INFRINGEMENT WITH RESPECT TO THE INFORMATION PROVIDED AND THE USE OF THIS SERVICE.

The applicable laws of the Republic of the Philippines shall govern your use of this website.

Interactive Web Services

The following terms and conditions supplement the General Conditions of Use described above. A reference in this section to "you" means authorized policy or contract holders.

Access to SLGFI’s interactive Web services requires an electronic identification which consists of a user name, Internet Personal Identification Number (commonly referred to as a P.I.N. or password), or other security measures that SLGFI may require.

You agree that the use of this electronic identification is the legal equivalent to your written signed instructions to SLGFI and that your identity as an authorized user of our interactive Web services is determined solely by your user name and Internet Personal Identification Number.

To keep your policy or contract information confidential, you agree not to disclose your Internet Personal Identification Number to anyone and will not record it anywhere.

You acknowledge that you are responsible for the safekeeping of your Internet Personal Identification Number and that SLGFI is unable and under no obligation to confirm the identity or authority of any user of our interactive Web services.

You also agree that SLGFI has no duty to inquire as to the authority or propriety of any instructions given to it and shall be entitled to act upon any such instructions.

If you become concerned that the confidentiality of your Internet Personal Identification Number has become compromised, you agree to immediately change your Internet Personal Identification Number and notify SLGFI.

To keep your policy or contract information confidential, you agree not to disclose your Internet Personal Identification Number to anyone and will not record it anywhere.

You agree to immediately notify SLGFI of any unauthorized use of your Internet Personal Identification Number and/or access to your policy or contract records. SLGFI reserves the right to cancel or restrict the use of its interactive Web services or your Internet Personal Identification Number, without notice.

Prescinding from the foregoing, any on-line acknowledgments or other messages which appear on your screen for transactions entered do not mean that the transactions have been received, accepted or rejected by SLGFI. These acknowledgements are only an indication that the transaction information entered by you has either been transmitted or cannot be transmitted to SLGFI. No transaction shall be deemed accepted until you receive a written confirmation from SLGFI. You are responsible for reviewing all confirmations and policy or contract statements received by you in order to verify their accuracy. If you do not receive a written confirmation within five (5) business days of a transaction, you agree to immediately notify SLGFI.

You agree that you shall not rely on e-mail if you need to communicate with SLGFI right away. You agree that SLGFI may respond to you by e-mail with regard to any matter related to the service.

SLGFI reserves the right to discontinue its interactive Web services and to change the terms of its use at any time upon notice to you. Notice may be given to you in writing, by e-mail or by posting such notice on our website. You agree that SLGFI may immediately terminate your access to its interactive Web services if you violate any of the above Conditions of Use.

Copyright

The contents of this site are protected by copyright. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of SLGFI or, where applicable, its affiliated companies, except in the instances allowed by law. Republishing and reproducing includes but are not limited to any uploading, downloading or accessing the information on this site onto the Internet or any other local or international computer system. An acknowledgement of the source must be included whenever our materials are copied or published. If you require further information on the uses that you may make of the information on this site or if you wish to obtain a license to reproduce or republish any material on this site, please send such requests by e-mail or contact SLGFI at 221 Sen. Gil Puyat Ave., Makati City. Any infringement of our rights will result in appropriate legal action. SLGFI and its affiliated companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on this site.

Liabilities

You hold SLGFI as well as any of their officers and representatives free and harmless, as well as indemnify them, from any and all liabilities, claims, damages, suits of whatever nature, arising out of or in connection with the implementation of the foregoing terms and conditions, including any and all errors inadvertently committed, including but not limited to and any computer-related errors. SLGFI will not be liable for any losses, resulting from circumstances over which it has no direct control, including, but not limited to, the failure of electronic or mechanical equipment, communication lines or other interconnection problems, severe weather, earthquakes, floods or other such events.

Questions

If you have questions about this Legal Notice, please contact us.

PRIVACY

Your privacy at Sun Life Grepa Financial

What you should know about our commitment to protecting the confidentiality of your personal information.

What is privacy and why does it matter?

Privacy is about more than just protecting the personal information you may share through the use of our products and services, or when using our websites. Privacy is also about our obligation to use and disclose this information only for the purposes we’ve explained to you.

At Sun Life Grepa Financial, we are committed to protecting your information. Your information allows us to provide you the best possible service and products. From our global privacy commitment, which guides our business practices around the world, to our online privacy statement, we’re committed to your privacy.

Online Privacy Statement

Your privacy is important to us. We want you to understand how we safeguard your personal information and what types of information we receive and collect when you visit our websites.

Personal information and online security

When you visit the Sun Life Grepa Financial website, you are anonymous unless you choose to identify yourself. You are not required to provide personal information to use our websites, unless a feature requires it. For example, if you have a policy or contract with us and wish to access your account online, you will need to provide identifying information. In these cases, we have physical, electronic and procedural safeguards in place to help protect your online personal information from unauthorized use or improper access. These safeguards may include:

  • Passwords and personal identification numbers (PINs): Clients can access their account information online only after providing identifying information and a password or PIN. This information is unique to you, and is an important first step in protecting your information online.

  • 128-bit encryption: Sun Life Grepa Financial uses a Secure Sockets Layer (SSL) protocol to protect personal information transmitted to us electronically. SSL transmitted information is encrypted, or scrambled, to prevent unauthorized reading of the electronic communication. Although we have physical, electronic and procedural safeguards that we believe are adequate to protect personal information, any such systems may be subject to human and operational error. In particular, because the Internet is an open system, we cannot and do not guarantee that personal information entered by you online will not be misappropriated, intercepted, modified, deleted or used by others.

Online data collection tools: Improving and evaluating website functionality and effectiveness

Sun Life Grepa Financial, like many organizations, sometimes gathers data, such as your IP address, regarding how visitors explore our websites - information about the number of new and repeat visitors, where on the website a visitor explores, how long they visit, where they are geographically located and similar details. We may also track how many users visit advertisements promoting our products and services that appear on other company websites. All such information is collected in an aggregate form and is used to improve our websites’ performance and functionality, create a better experience for our visitors and measure the response to web marketing campaigns.

Sun Life Grepa Financial or its agents on our behalf collect this information through the use of cookies and electronic images known as web beacons.

What are cookies and web beacons?

A cookie is a small piece of information that a website sends to your computer where it is stored on 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 2 types of cookies - session cookies and permanent or persistent cookies.

A session cookie (sometimes called a “transient” cookie) is erased when you close your Internet browser and leave our website. In the United Kingdom, only session cookies are used.

A “permanent” cookie is a file that remains on your computer when you close your Internet browser. A permanent cookie can be read only by the website that created the cookie when you revisit that site. Permanent cookies are not used in all of our jurisdictions.

Cookies can identify a visitor only if the visitor has used a website’s login feature. If you ask us to save your access ID to be used the next time you visit our website, we will use a permanent cookie to store your access ID in an encrypted format on your computer so that the next time you visit the website you will be recognized when you sign in. In this way, the website can recall your preferences and provide a more customized experience.

Permanent cookies have expiry dates and are automatically deleted from your computer after their expiry date. You can also clear your stored cookies via your browser preferences on your computer. However, unless you have settings that disallow cookies, the next time you visit our website, a new cookie will be added. You can set your website browser to notify you when you receive a cookie so that you can decide whether to accept or reject it. Since the procedure for altering preferences varies by browser you should check the "Help" menu of your browser to learn how to alter your cookie preferences. Please note, however, that rejecting cookies while visiting the Sun Life Grepa Financial website may result in certain parts of the website not functioning correctly or as efficiently as if cookies were allowed.

The permanent cookies that may be placed on your computer by the Google Display Network relating to web marketing campaigns are used to increase the relevance of display ads you may see when you visit other websites that are serviced by the Google Display Network. To opt out of these cookies, select the "opt out" button on the Google Privacy Centre page.

Web beacons are a collective term used to refer to "pixel tags", "web beacons" or "clear GIF images" embedded in a web page and usually invisible to the user. Web beacons are used for many of the same purposes as cookies, allowing Sun Life Grepa Financial or its agents on behalf of Sun Life Grepa Financial to compile aggregate statistics about website usage patterns, such as how many times a link or an area on a website is clicked.

All the information collected by any of these online tracking tools is non-personal and is not used in connection with any other information that could identify you personally unless you have entered your access ID and password or provided it to us through your permanent cookie.

We may share the site visit information obtained using cookies, web beacons and other similar technologies with Google Analytics or other agents to analyze online activity on our websites or in reaction to our online advertisements.

Links to websites outside of Sun Life Grepa Financial

To provide website visitors with more information that may be helpful to them, some of our websites contain links to other websites that are not affiliated with or maintained by Sun Life Grepa Financial. We do not monitor the privacy practices of these third-party sites, and do not have authority over them. As a result, we do not assume any responsibility for the data collection policies and procedures of these sites.

Collection of personal information from children

The Sun Life Grepa Financial website is not directed at children. Our member company websites do not knowingly collect information from children under the age of 18.

Please be aware that we may update and modify this online privacy statement at any time.
Please review this section each time you access and/or use our websites.

SECURITY


How we protect your information

At Sun Life Grepa Financial, we take the security and confidentiality of your information very seriously. We have implemented a combination of technical solutions, security practices and processes to maintain the confidentiality of your information.

Online security

Our security safeguards consist of a wide variety of technical solutions and security practices all designed to work together to protect your information.

Data encryption and message integrity

Data encryption and message integrity Authentication of your identity Password protection Session time-out Data encryption and message integrity

Your communications and transactions are secure and confidential when you successfully log in to our secure websites with a user ID and password. We use Secure Socket Layer (SSL) to help keep your information confidential while you conduct business on our secure websites. SSL helps ensure the integrity and confidentiality of your online transactions. It helps create a uniquely encrypted transmission over the Internet between your web browser and Sun Life.

For your security, you will not be able to log in to our secure websites if your browser does not support a minimum of 128-bit encryption. We recommend that you use the most up-to-date browser version with all of the applicable security patches installed. Our service is optimized to work with these commonly used browsers:

Note: Beta or test versions of browsers are not supported.

Authentication of your identity

We will only grant access to your account if the proper access ID and password are entered. When you successfully log in to our secure websites, your browser will establish a Secure Socket Layer (SSL) connection between your computer and our web servers. SSL helps prevent your information from being tampered with during transmission across the Internet.

Once you have established a secure connection, your browser will display a lock symbol at the bottom right of your screen. The lock symbol indicates you are on a secure site. To verify, double-click on the lock symbol to view the site certificate. The site certificate should show that it is authorized by a third-party (VeriSign) that validates the identity of secure websites. Click on the Issuer Statement button to view VeriSign’s website to obtain further information about site certificates.

Password protection

When you access our secure websites, we need proof of your identity in the form of your access ID and password. We will only grant access to your account if the proper access ID and password are entered. Always keep your password confidential. Only you should know what it is. Learn more on how you can protect your password.

To prevent others from guessing your password, we will disable your password after 3 consecutive unsuccessful sign-on attempts. If this happens to you, contact the number indicated on the error message received.

Sun Life will not be held responsible for any loss or damage which may be incurred as a result of unauthorized use of your password.

Session time-out

To prevent your account from remaining open when not in use, your online session with our secure websites will be terminated after several minutes of inactivity. If this occurs, you will need to successfully sign in again with your access ID and password to continue.

Communicating with Sun Life

We promote safe communication practices when dealing with our clients and customers. Whether you communicate with us through telephone, email or online, here’s what you can expect:

  • We do not provide hyperlinks to sign-in pages of our secure websites or ask you to provide personal information in our email communications.
  • We will always confirm your identity by asking a set of questions with responses that you previously supplied to us. This applies whether you contact us or we contact you.
  • We will never ask you to change your account information. You have to initiate changes to your account yourself.
  • We will never ask you for your password.
  • We protect your email address by maintaining appropriate technical safeguards. All emails we receive are screened for infected file attachments.
  • We may require additional information or verification before accepting a transaction. You acknowledge that you will provide such information.
  • Sun Life reserves the right to restrict or cancel access to the site without providing notice. This will be done when Sun Life has reason to believe that your data may be at risk.