When you access our internet web site you agree to these Terms and Conditions.


Welcome to Philippines First Insurance Company, Inc website and online services (“PhilFirst Site” or the “Site”), an online information and communications service provided by Philippines First Insurance Company, Inc. (“PhilFirst” or “We” or “Us”). This policy is intended to cover the uses for all of the Site, although additional conditions, restrictions and privacy policies may apply.

Terms of Use

Use of the Site is subject to the following terms of use. PhilFirst may modify these terms and conditions at any time, and such modifications shall be effective immediately upon posting the modified terms and conditions on the PhilFirst Site. You agree to review the agreement periodically to be aware of such modifications, and your accessing or using the service constitutes your acceptance of the agreement as it appears at the time of your access or use. From time to time, PhilFirst may offer website visitors the opportunity to participate in additional features or services through the PhilFirst Site. You may be required to enter into additional agreements or authorizations before you can access such features or services.

Intended for Users 18 and Older

The Site is intended for use by individuals 18 years of age or older. This website is not directed for use by children under the age of 18. Users under the age of 18 should get the assistance of a parent or guardian to use this site.

You agree that you will not:

  • Upload or transmit any communications or content of any type that may infringe or violate any rights of any party
  • Use this website for any purpose in violation of local, national or international laws
  • Use this site as a means to distribute advertising or other unsolicited material to any third party
  • Use this website to post or transmit material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful or embarrassing to any other person or entity
  • Attempt to disable, “hack” or otherwise interfere with the proper functioning of this website
  • If you use any part of the Site requiring secure access, 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.

Social Networking Media

Your use of social networking media, including but not limited to participation in or use of blogs, threaded discussions, message boards and wikis (“Social Media”) give PhilFirst the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from and otherwise use your submission for any purpose, in any form, and on any media.

PhilFirst reserves the right (but is not obligated) to do any or all of the following:

  • Remove communications that fail to conform with these terms of use
  • Edit or delete any communications posted on the comment sections, regardless of whether such communications violate these standards.

You also agree to indemnify and hold PhilFirst and our employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys’ fees, made by a third party arising from any information or material you contribute to the Social Media you access via the Service.

PhilFirst has no obligation to monitor Social Media. But we reserve the right to monitor any and all information transmitted or received through the Service. PhilFirst may examine, record, copy and use any information on the Service in accordance with the PhilFirst Privacy Information. We reserve the right, in our sole and absolute discretion to remove any information or materials, in whole or in part, from Social Media.

When using the Site or Social Media, please be certain that anything you disclose does not compromise your personal safety. Please don’t provide your name, phone number, social security number or any other personally identifying information to people you do not know. Don’t continue any conversation online that makes you feel uncomfortable. Protect your safety and privacy.

Web-Enabled Mobile or Handheld Devices

Certain web and smartphone applications of the Site have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Site on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographic location and telecommunications provider. The Site should not be used while operating any motor vehicle, or in any other manner that might endanger yourself or others.

If your mobile device uses Global Positioning System (GPS) technology, trackers, or other location tracking tools, your location information may be used for purposes of determining your location when using a function on the Service that uses such information. While using the Site, if you allow your location information to be obtained, we will use this information solely to return your estimated location and to provide you with more personalized results and/or services. PhilFirst does not monitor your GPS tracking or location information, and does not save this information. We will not use this information to identify you or disclose this information to any third parties.

By using the Site, you expressly agree and acknowledge that PhilFirst shall be not responsible for any of the following: (a) performance limitations and/or failures experienced in connection with any wireless or Wi-Fi service used to access the Site; (b) data transmitted through wireless access that may be intercepted by unauthorized persons; or (3) your failure to physically secure and/or monitor your personal computer, laptop or wireless device or to protect your passwords, resulting in unauthorized access to the Site and/or your PhilFirst account or plan information.

While using any web-enabled mobile or handheld device to use the Site, standard mobile phone carrier and data usage charges will apply. You expressly agree and acknowledge that the use of any mobile or handheld device is at your sole risk and shall be in accordance with all applicable local and national laws.

Online Payment

A valid payment method is required for all policy insurance purchases. PhilFirst’s designated credit card processor will collect your payment information and related personal information for its use in processing your payment for the products or services you availed. Any complaints or grievances regarding the processing of your payment should be addressed to PhilFirst at the contact information given below. You understand that the prices for products and services may be changed from time to time, but that the website will reflect current prices.

Responsibility for charges and fees. You are solely responsible for all charges and applicable fees (including taxes and any fees related to the payment method you have chosen) associated with your availed policy.


You agree that you will indemnify PhilFirst against any damages, losses, liabilities, judgments, costs or expenses (including reasonable attorneys’ fees and costs) arising out of a claim by a third party relating to materials you have posted or other actions taken by you on the Site.


You understand and agree that the PhilFirst site and any services, content or information contained on or provided by the PhilFirst site is provided on an “as is” basis. PhilFirst does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service or any merchandise, information or service provided through the service. In addition, PhilFirst does not guarantee that use of the PhilFirst site will be free from technological difficulties including, but not limited to, unavailability of information, downtime, service disruptions, viruses or worms, inaccurate calculators and you understand that you are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output.

Errors on the PhilFirst Site

Content, prices, and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and PhilFirst serves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an availment has been made and whether or not the availment has been confirmed and your payment received. If your payment instrument has already been charged for the policy and your policy is cancelled, PhilFirst will issue a reimbursement in the amount of the charge. If you are not fully satisfied with your purchase, you may return it in accordance with the Site’s return policy.

Request for Return/Refund/Cancellation Policies

PhilFirst will waive any charges on the premium if the Assured/Intermediary returns the original policy to Philippines First Insurance and requests for the cancellation within the month of policy issuance or effectivity date, whichever is later. If request and return policy was made beyond the month, PhilFirst reserves the right to charge premium computed based on the Short Period Rate Scale indicated in the insurance policy.


Upon issuance of the policy, the Assured will receive an advance soft copy of the policy. If the Assured has an Intermediary, the original copy of the policy will be delivered to the Assured through the Intermediary. Otherwise, PhilFirst will mail the policy through its in-house messengers, courier, or other similar methods.

Limitations of Liability

The use of the site is entirely at your own risk, and in no event shall PhilFirst be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or any other monetary or other damages, fees, fines, penalties, or liabilities arising out of or relating in any way to this service, or sites accessed through this service, and/or content or information provided herein. your sole and exclusive remedy for dissatisfaction with the service is to stop using the service. user hereby acknowledges that this paragraph shall apply to all content, merchandise and services available through the site.

Links to Third Party Websites

The Site contains links to other sites operated by third parties, including but not limited to third party sites that may display the PhilFirst trademarks (“Third Party Site,” “Third Party Sites”). These links are available for your convenience and are intended only to enable access to these Third Party Sites and for no other purpose.

PhilFirst does not warrant or make any representation about the substance, quality, functionality, accuracy, fitness for a particular purpose, merchantability or any other representation about any Third Party Site or its content. A link to a Third Party Site on the PhilFirst Site does not constitute sponsorship, endorsement, approval or responsibility for any Third Party Site. PhilFirst makes no representation or warranty as to any products or services offered on any Third Party Site. The conditions of use and privacy policy of any Third Party Site may differ substantially from the conditions of use and legal notices that apply to your use of the Site. Please review the conditions of use for all Third Party Sites for more information about the terms and conditions that apply to your use of Third Party Sites.

Submissions to the PhilFirst Site

If any user of the PhilFirst Site makes any submission (such as questions, comments, resume, or suggestions) to PhilFirst, whether oral, written or electronic, no confidential relationship shall be established between the user and PhilFirst; The user’s submission, and any information submitted with it, shall be considered non-confidential and shall be considered the sole and exclusive property of PhilFirst. PhilFirst shall have no obligation of any kind (such as compensation) with respect to the submission or any materials that accompany it. PhilFirst shall be free to use or transmit to others any ideas, concepts, or techniques contained in the user’s submission and accompanying materials for any purpose whatsoever, including, but not limited to, research, development, manufacture, use or sale of any products or services incorporating or relying on such information.

Personal Information

A user’s personal information is treated in accordance with PhilFirst’s Privacy Policy and in compliance with the Data Privacy Act of 2012 and its IRR.

Click-Stream Data and Cookies

A “cookie” is a small text file placed on your computer by a web server when you access a web site. Cookies are frequently used on web sites. Cookies in themselves do not identify the individual user, just the computer used.

PhilFirst generally uses cookies to make a record of your visit and will log the following information:

  • Your server address;
  • Your top level domain name;
  • The date and time of access to the web site;
  • Pages accessed and documents downloaded;
  • The previous web site visited; and
  • The type of browser software in use.

PhilFirst uses this information for various purposes including:

  • Statistical purposes;
  • To enable you to access online services; and
  • To determine whether you have previously used parts of the web site or to identify the pages you have accessed, but in each case, information collected cannot be used to personally identify you.

You can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. For example, you can set your browser to notify you when you receive a cookie or to reject cookies. However, if you decide not to display cookies, then you may not be able to gain access to all the content and facilities of this web site.

Forward-Looking Statements

The Site may, from time to time, contain forward-looking statements that include information about financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. PhilFirst cautions the reader that actual results could differ materially from those that PhilFirst expects, depending on the outcome of certain factors. In some cases, PhilFirst describes uncertainties when offering forward-looking statements. PhilFirst does not undertake any obligation to correct or update any forward-looking statements on the Site.


You agree that any dispute or claim (including personal injury claims) related to your use of the PhilFirst Site is subject to the exclusive jurisdiction of the appropriate court in Makati City, Philippines. This agreement also applies to anyone claiming on your behalf.


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