Only Sun Life Grepa Clients are allowed to register an account with My Sun Life Grepa. To create an account, you may be asked to provide a secure activation link or alternatively, provide certain information to enable Sun Life Grepa to validate that you are an existing Sun Life Grepa Client. To access the mobile app, you will need to download the same via Google Play (for Android users) or App Store (for iPhone users) and install it on your device. 

As a regulated financial institution, Sun Life Grepa has a duty to perform Know-Your-Customer (KYC) procedures, which includes, among others, requiring you to submit a copy of a valid ID and other supporting documents. You may also be asked to grant My Sun Life Grepa certain access permissions to your mobile device to allow Sun Life Grepa to perform liveness detection and other electronic KYC protocols as part of the account registration process. To complete the registration, you must comply with all the requirements that may be required by Sun Life Grepa and Applicable Laws.   

Your My Sun Life Grepa account shall be under your true and full name. As a Sun Life Grepa Client, you have a duty to provide true, correct, complete, valid, and subsisting information and supporting documents.  

You will receive an in-app notice or prompt once your account registration is completed. 

Sun Life Grepa reserves the right to approve or reject the creation of a My Sun Life Grepa account at its sole discretion based on legitimate business reasons. Please note that account registration may be blocked or suspended for legitimate reasons, for example, as a security measure to protect your My Sun Life Grepa account against fraudulent registration, or in compliance with a regulatory or court order. In the unfortunate event that you cannot proceed with account registration, you may reach out to Client Care for additional information. 

In creating an account and accessing the My Sun Life Grepa, you represent and warrant that: 

1. You are an existing Sun Life Grepa Client, and you will use My Sun Life Grepa solely for its intended purpose. 
2. All information and documents that you provide, submit, or present to Sun Life Grepa in connection with your account registration or any Transaction are true, correct, complete, valid, and subsisting. Furthermore, the attestations that you provide when making a Transaction, including statements and declarations about your health, nationality, or current location are true and correct. 
3. You shall update your account information when required by Sun Life Grepa to enable it to comply with Applicable Laws.  
4. When you provide, submit, or present information to Sun Life Grepa belonging to third parties, you have secured consent from said third parties or otherwise have other lawful basis to collect and disclose the same to Sun Life Grepa, and allow Sun Life Grepa to process such information pursuant to the Transaction.   
5. The funds you use to avail or otherwise invest in our Products and Services come from legitimate sources, and that you shall not use My Sun Life Grepa for unlawful, illegal, or fraudulent purposes. Use of My Sun Life Grepa for unlawful, illegal, or fraudulent purposes may result in criminal prosecution under Applicable Laws, including but not limited to Anti-Money Laundering Act, Data Privacy Act of 2012, and Cybercrime Prevention Act of 2012. 
6. You undertake to immediately notify Sun Life Grepa via Client Care if you believe that your My Sun Life Grepa account has been compromised. You shall also immediately notify Sun Life Grepa if the device where the My Sun Life Grepa is installed is lost or stolen. 
7. You shall not analyze, modify, decompile, disassemble, or reverse engineer the My Sun Life Grepa, in whole or in part. 
8. Nothing in these Terms and Conditions shall interfere with, or result in breach of, any of your existing obligations or agreements with third parties. 

Sun Life Grepa aims to provide you a secure and convenient platform to manage your accounts and conduct Transactions via My Sun Life Grepa. Nevertheless, the security of your account is a shared responsibility between you and Sun Life Grepa. As a Sun Life Grepa Client, you agree and understand that you have the following obligations to keep your My Sun Life Grepa account safe and secure: 

1. Always keep your Access Credentials confidential. Your Access Credentials should only be known to you and you should not, under any circumstance share your Access Credentials with anyone else. 
2. You agree and undertake to change your password from time to time. When changing your password, choose a password that does not relate to any readily accessible data pertaining to you. Examples of readily accessible data include your address, phone number, and date of birth. Do not let any unauthorized person have access to your mobile phone or leave your mobile phone unattended while My Sun Life Grepa is open. 
3. Sun Life Grepa constantly scans the My Sun Life Grepa to look for issues and vulnerabilities and develop patches and updates to optimize the application. Keeping your My Sun Life Grepa up to date helps prevent threat actors from compromising your account. You agree to immediately install updates to the My Sun Life Grepa as soon as they are made available. In the same manner, you agree to keep your mobile device’s software and operating system up to date. 
4. One-Time Password (OTP) is an added security feature that requires you to enter a unique password for each Transaction. If your mobile device supports it, you may also enable biometric authentication to access My Sun Life Grepa.  
5. It is important for a Sun Life Grepa Client to keep his/her contact details, such as mobile number and email address, valid and up to date. Notifications and certain security measures, such as OTP, will be sent to you via SMS and/or email. You undertake to immediately notify Sun Life Grepa via Client Care if you believe that your mobile device or email account has been compromised. 

You can delete your My Sun Life Grepa account at any time, provided, that deletion shall become effective after the period as notified to you via My Sun Life Grepa (“Holding Period”) to allow for the completion of pending Transactions, if any. If you change your mind, you can choose to cancel your request for account deletion within the Holding Period. Deletion of your My Sun Life Grepa account does not affect the status of your existing Products and Services. 

You may also choose to delete your My Sun Life Grepa account with immediate effect, but you will no longer have visibility (via My Sun Life Grepa) on the status of your pending/outstanding Transactions at the time of the deletion.  

In any case, you may reach out to Client Care to check on the status of your pending/outstanding Transactions. 

Sun Life Grepa may send you notifications, electronic copies of your statements of account, and official receipts through your registered mobile device or email, or both. We may also choose to send certain types of notifications only through specific channels. You can manage these preferences in the Settings menu of your My Sun Life Grepa account. It is your responsibility to check from time to time what notifications or messages you may have in all of the available channels. You agree that a notice or communication is deemed received by you at the time of our transmission of the same. 

As a Sun Life Grepa Client, you have the responsibility to check if your mobile network provider or internet service provider supports text messaging, email service, mobile internet, and is capable of receiving push notification. You shall be solely responsible for the fees, if any, that may be charged by your mobile network or internet service provider. Receipt of any message or notification may be delayed or prevented by factor(s) affecting your mobile network provider or internet service providers and other factors outside the control of Sun Life Grepa. 

Any online acknowledgments or other messages that may appear on your screen for transactions entered do not mean that the transactions have been received, accepted or rejected by Sun Life Grepa. These acknowledgements are only an indication that the transaction information entered by you has either been transmitted or cannot be transmitted to Sun Life Grepa. No transaction shall be deemed accepted until you receive a written confirmation from Sun Life Grepa. You are responsible for reviewing all confirmations 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 Sun Life Grepa.   

You agree that you shall not rely on email if you need to communicate with Sun Life Grepa right away. For urgent concerns, please call wecare Client Care at 8849-9633, or toll-free at 1-800-10-SLGREPA (7547372) from any PLDT line if you are calling from outside Metro Manila. For calls outside the Philippines, please contact (+632) 8849-9888. International rates may apply. You agree that Sun Life Grepa may respond to you by electronic mail with regards to any matter related to the service.    

Let us both contribute to saving the environment by going paperless. My Sun Life Grepa allows you to view or download an electronic copy of your contracts covering your insurance, investments, and other financial products with Sun Life Grepa. Account servicing documents such as statements of account are also available digitally via My Sun Life Grepa or sent to your registered email address. 

If, for any reason, you wish to request for a copy of your contract and other documents in paper form, you may reach out to Client Care. Please make sure that your registered mailing address is updated in our records. Appropriate charges for this request may apply.  

As a financial services provider, Sun Life Grepa conducts client suitability assessments as required under Applicable Laws. The purpose of the assessment is to determine (or update, as applicable) the Sun Life Grepa Client’s financial situation, needs, capabilities, and overall risk profile. You will be asked to provide certain information (described below) for purposes of conducting the assessment. 

TO ENABLE SUN LIFE GREPA TO OFFER PRODUCTS AND SERVICES THAT ARE IN LINE WITH YOUR NEEDS AND RISK PROFILE, IT IS NECESSARY THAT YOU PROVIDE ACCURATE AND SUFFICIENT INFORMATION ABOUT YOUR KNOWLEDGE, EXPERIENCE, FINANCIAL SITUATION, FINANCIAL CAPABILITY (INCLUDING ABILITY TO BEAR LOSSES), AND INVESTMENT OBJECTIVES (INCLUDING RISK TOLERANCE). OTHERWISE, WE ARE NOT IN A POSITION TO ACCURATELY DETERMINE WHETHER A PARTICULAR PRODUCT OR SERVICE IS APPROPRIATE TO YOU, GIVEN THE LIMITED INFORMATION AVAILABLE.  
  
When investing in our products and services, please be mindful of your current risk profile, which can be viewed at your User Profile. By investing in our products and services, you confirm that you are aware of your current risk profile and fully understand the risk rating of the products and services that you are investing into.  

As your circumstances and attitude to risk can change over time, we will require you to update your risk profile at least once every three (3) years. However, should there be any change in your financial status before the end of this period, kindly notify us so that the appropriate client records can be updated immediately. If you think your current risk profile is no longer up to date, you may choose to take another assessment to reflect your current needs and risk profile. 

  
YOU AGREE TO HOLD SUN LIFE GREPA FREE AND HARMLESS AND TO BEAR THE RISK OF YOUR INVESTMENT OR FINANCIAL DECISION UNDER THE FOLLOWING CIRCUMSTANCES: 

1. YOUR NEEDS AND RISK PROFILE WERE BASED ON INACCURATE OR INSUFFICIENT INFORMATION THAT YOU HAVE PROVIDED; AND 
2. YOU DECIDED TO INVEST IN PRODUCTS AND SERVICES THAT ARE OF A HIGHER RISK RATING THAN YOUR OWN RISK PROFILE.  

Sun Life Grepa may suspend or freeze your My Sun Life Grepa account and/or access to any of or all your Products and Services in compliance with a freeze order issued by a Competent Authority, usually in connection with anti-money laundering investigations or proceedings. Sun Life Grepa shall notify you (via My Sun Life Grepa or otherwise) that a freeze order has been issued, and the fact that it is complying with the freeze order. Sun Life Grepa shall also furnish you a copy of the freeze order. 

Sun Life Grepa may also suspend your My Sun Life Grepa account without need of prior notification to you and with no obligation to disclose the reasons, upon Sun Life Grepa’s determination or finding after investigation that: 

1. You have unreasonably failed or refused, despite due notice, to provide the necessary documents or information required from you by Sun Life Grepa to comply with Applicable Laws, issuances or orders from Competent Authority, or Sun Life Grepa internal policies; 
2. You are involved in or suspected to be involved in fraudulent, criminal or unlawful activity activities, and/or your account is being used, attempted or suspected of being used as a tool for any fraudulent, criminal or unlawful activities; or 
3. You have or appear to have committed a breach of these Terms and Conditions, or have or appear to have committed misrepresentation or provided false information or declaration to Sun Life Grepa in relation to the Transactions that you executed. 

Upon prior notice to you, Sun Life Grepa may close your My Sun Life Grepa account for legitimate business reasons or if the continued existence of your account will, in Sun Life Grepa’s sole and reasonable determination, prejudice the interest of Sun Life Grepa in any way. 

Sun Life Grepa may receive a court order garnishing any of or all your accounts. A garnishment order is an order from a court directing the recipient to seize assets, usually to settle an outstanding obligation. Unless the order states otherwise, Sun Life Grepa is under no obligation to notify you of such garnishment, and the fact that it is complying with the garnishment. You hold Sun Life Grepa, its officers and employees, free and harmless from any and all loss, claims or damages resulting therefrom. 

Creation of a My Sun Life Grepa account and access thereto requires a Sun Life Grepa Client to provide personal data to Sun Life Grepa. The specific data categories and documents required are displayed during the registration process. In the same manner, additional personal data and documents may be required when you update your account information, enroll a beneficiary, or submit a Transaction via My Sun Life Grepa. 

You consent to the processing of your personal data for purposes of: 

1. My Sun Life Grepa account registration and maintenance 
2. Processing a Transaction 
3. Performance of Sun Life Grepa’s obligations under these Terms and Conditions, as well as the relevant insurance policy, investment, or similar contracts 
4. Verifying and validating within Sun Life Grepa or from third party sources, your personal data, information, and documents submitted to Sun Life Grepa 
5. Preventing unlawful, illegal, or fraudulent Transactions or activities  

You also authorize the transfer, disclosure and communication of any information related to your My Sun Life Grepa account, or any information thereon, to any of our offices, branches, subsidiaries, affiliates, agents and representatives, and third parties such as outsourcing providers, auditors, industry organizations and government agencies, in relation to any matter involving anti-money laundering monitoring, review and reporting, statistical and risk analysis purposes, valid court orders, legal requirements, valid subpoena issued by pertinent authority, or such other cause which necessitates a transfer or disclosure of said information. You agree to hold us free and harmless from any liability that may arise from any transfer, disclosure or storage of said information.

Your consent also includes the following processing and disclosures: 

1. Uploading your medical information to Philippine Life Insurance Association’s Medical Information Database, which will be accessible to other life insurance companies subject to access limitations and guidelines issued by the Insurance Commission; 
2. Disclosure to any Competent Authority or stock exchange (if applicable); 
3. Disclosure to any potential assignee or transferee of the Sun Life Grepa’s rights and/or obligations under the relevant contracts or agreements, whether or not in the context of a merger and acquisition; and 
4. Disclosure to such other persons or entities that Sun Life Grepa may deem necessary or appropriate to facilitate the above-stated purposes, or as and when required by the circumstances.  

You further consent to the disclosure of your personal data to Sun Life Grepa’s affiliates and third-party providers in furtherance of or consistent with the purposes stated above.  

Your personal data shall be retained throughout the existence of your account(s) and/or until expiration of the retention limit set by laws and regulations from account closure and the period set for destruction or disposal of records. You certify that you have read, understood, and agreed with the declarations and authorizations above, including Sun Life Grepa’s privacy policy found in https://www.sunlifegrepa.com/home/about-us/corporate-governance/legal-privacy-security-information/.    

As a Sun Life Grepa Client, you have certain rights under the Data Privacy Act of 2012. These rights include the right to be informed, to access your personal data, to dispute the accuracy or error in your personal data, to data portability, to be indemnified for damages sustained due to inaccurate, false, unlawfully obtained, or unauthorized use of your personal data, and to file a complaint with our Data Protection Officer and/or the National Privacy Commission. 

To know more about how Sun Life Grepa processes and handles your personal data, please visit https://www.sunlifegrepa.com/home/about-us/corporate-governance/legal-privacy-security-information/.  

You may also reach out to our Data Protection Officer at (632) 8849-9558 or send us an email to privacyconcern@sunlife.com.

All trademarks, service marks, and trade names used in My Sun Life Grepa or in connection with the Products and Services mentioned therein are registered trademarks of the applicable Sun Life Grepa company and are protected by applicable domestic and foreign trademark laws. All rights reserved.   

The contents of My Sun Life Grepa are protected by copyright. Users of My Sun Life Grepa 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 the applicable Sun Life Grepa company. Republishing and reproducing includes 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: 221 Sen. Gil Puyat Ave. Makati City

You agree that any intellectual property pertaining to My Sun Life Grepa, such as but not limited to, applications, programs, web pages, solutions, marketing materials, audio and/or visual presentations and all other matters that may be assigned, registered, transferred, owned or encumbered, including any intellectual property resulting from or related to your use of our My Sun Life Grepa, shall be our sole and exclusive property (collectively, the “Sun Life Grepa Intellectual Property”). You undertake not to copy, modify, adapt, alter, translate, merge, reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code for the Sun Life Grepa Intellectual Property.   

Any infringement of our rights will result in appropriate legal action. The Sun Life Grepa group of companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on My Sun Life Grepa.

You agree that your access to My Sun Life Grepa, whether through the website or mobile application, requires internet connection, which poses security risks to your own device and network. We assume no liability for any damages to your device, equipment, or any other property resulting from your access to, use of, or browsing our website or use of our mobile application.   

To the fullest extent allowed by law, Sun Life Grepa excludes all responsibility and liability arising from or in connection with your use of My Sun Life Grepa, including, without limitation: 

1. unavailability of My Sun Life Grepa due to downtime, scheduled or unscheduled system maintenance, or any other reasons other than those arising from Sun Life Grepa’s fraud or gross negligence; 
2. any and all actual or anticipated loss of profits, savings, revenue, goodwill, data, or business opportunity, and any and all special, indirect, consequential, punitive or exemplary losses; and 
3. any other losses, whether or not Sun Life Grepa or its authorized representative has been advised of the possibility of such losses. 

To the fullest extent allowed by law, Sun Life Grepa exclude from these Terms and Conditions all representations, warranties, guarantees, or liabilities on its part that may be implied by statute, general law or custom, except any guarantee or right explicitly conferred under any legislation, the exclusion of which would violate legislation. 

For any questions, disputes, complaints, or concerns, you may reach out to wecare at https://www.sunlifegrepa.com/home/about-us/contact-us/ and (632) 8849-9633.

These Terms and Conditions shall be governed by the laws of the Republic of the Philippines. 

You agree that in case of litigation, the venue of action shall be the proper courts of Makati City to the exclusion of other courts.

Subject to Applicable Laws, we may update, revise, change, or modify these Terms and Conditions from time to time. By continuing to use My Sun Life Grepa, you agree to such updates, revisions, changes, or modifications. 

Transactions are deemed initiated and submitted by you. You shall keep your account information confidential, including your Access Credentials. A Transaction initiated using your Access Credentials are your instructions to Sun Life Grepa to process the Transaction. You acknowledge that any instructions, notices or requests delivered using your Access Credentials can be relied upon by us to be your instructions, notices or requests. We shall not be liable for acting upon such instructions, notices or requests nor shall we be obliged to investigate the authenticity or authority of persons effecting or delivering your instructions, notices or requests or verify the accuracy and completeness of such instructions, notices or requests. Such instructions shall be deemed correct, complete, irrevocable and binding upon our receipt. You further accept full responsibility for all pertinent e-services transactions using My Sun Life Grepa and in ensuring the accuracy and completeness of your instructions, notices or requests.  

You agree that electronic or digital signatures or sign-in-wraps utilized in My Sun Life Grepa shall have the same force and effect as a manual signature and that you authorize us to act upon any such instructions, notices or requests, pertinent to the services to which you have either enrolled or utilized, sent using your Access Credentials.  

As a licensed company in the Philippines, each Sun Life Grepa entity must ensure that its business is conducted within Philippine territory. As a general rule, you attest that you are currently in the Philippines when performing a Transaction. Please note that making a false declaration may result in criminal prosecution under Applicable Laws.  

You shall be solely responsible for any transaction between you and your external providers such as but not limited to, your internet service provider, your bank, your credit card company, and all other third party institutions, financial or otherwise, which you use in relation to My Sun Life Grepa. You agree not to implead and hold us free and harmless from any dispute or issue between you and said external provider. 

For all Transactions, you declare and agree to the following: 

1. All the information and documents that you provide are true, correct, complete, valid, and subsisting. 
2. You declare that you are currently in the Philippines. If you are not in the Philippines, you undertake to reach out to Sun Life Grepa for guidance on whether the specific Transaction may be performed while outside the Philippines.  
3. You undertake to inform us within thirty (30) calendar days of any change in your circumstances, including but not limited to citizenship(s)/nationality(-ies), and submit the applicable documents accordingly. Those clients with U.S. address, contact information or certain indicia of U.S. Person will be required to submit a government-issued identification document and complete a Form W-9, W-8BEN or W-8BEN-E, which will be sent to you via mail/email. 
4. You acknowledge Sun Life Grepa’s statutory responsibility to provide your information, including but not limited to local or foreign tax status, to the appropriate authority. We may disclose such information to competent authority or its delegate involved in processing, collecting, transferring or disclosing the relevant information. Where a separate waiver is required to provide the required information to competent authority or its delegate, you undertake to provide a waiver in a format acceptable to us. 
5. You acknowledge that Sun Life Grepa, its employees, duly authorized representatives, related companies, third party service providers, and vendors shall process and share your and the insured’s information, with any person or organization to (i) service your account, (ii) process Transactions and enforce the relevant contracts, and (iii) pursue Sun Life Grepa’s legitimate and lawful rights and interests and other purposes allowed under laws and regulations, including, but not limited to, those relating to data privacy and anti-money laundering.  
6. You agree to indemnify and hold free and harmless Sun Life Grepa, its affiliates, directors, employees, legal representatives, and assignees against loss and damage from any claims and/or actions made by any third person including the parties to the relevant policy or investment account or their representatives in relation to the processing of your Transaction. 

These Terms and Conditions incorporate by reference the terms and conditions contained in the relevant Transaction form prescribed by Sun Life Grepa.