Please Read These Terms Carefully Before Using This Site.
Central Wealth provides this web site (the "Site"), subject to the following Terms and Conditions of Use, which may be updated by us from time to time without notice. This Site provides you with certain services, luding but not limited to, access to information about the products and services offered by the Central Wealth and may provide you with information regarding financial and consumer services and products offered by Central Wealth’s affiliates ("Affiliates") or third party providers ("Providers"). Use of this Site and the services are subject to the Terms and Conditions of Use and all applicable laws. By using the Site, you agree to abide by all of the terms and conditions set forth in this notice. Unless stated otherwise, any new services and materials added to this Site also will be covered by these Terms and Conditions of Use.
Please read these terms carefully. If you do not agree with any of these terms or conditions, do not access or otherwise use this web site or any information contained on this web site. Your access and use of this web site constitutes your agreement to abide by each of the terms and conditions set forth below.
This Web site is operated by Central Wealth, and its affiliated companies ("We"). We are committed to respecting your privacy and value your trust. We do not share your information for marketing purposes without your consent with anyone other than Central Wealth and our subsidiary affiliates. This privacy notice tells you what information we collect, how we use it and how we protect it.
You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your e-mail address. In this case, our Web servers collect the name of the domain you used to access the Internet, such as "aol.com" or "yahoo.com," and the Web site you came from and visit next.
We may select outside companies who provide services on our behalf and use this information in the course of delivering advertisements to you and to measure the number of visits, average time spent, page views, and other statistics about visitors to our Web site, in general. We may also use this data to monitor site performance and to make the site easier and more convenient to use.
We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you, unless you have agreed to receive personally-tailored information.
We may disclose personal information we collect on the Web site to others that provide services to you on our behalf. In all cases, we will require service providers to whom we provide information to comply with our Privacy Policy and to use the information solely for the purposes for which we have retained them. Disclosure of personal information to these service providers is done to better serve you.
We may disclose identifying information collected on this Web site, such as name, address, telephone number within Central Wealth affiliates and partners to fulfil your requests, or offer other products and services we think may be of interest to you.
We will not share your personal information with any outside company for any other purpose other than those described above.
Cookies are small pieces of data stored by your Internet browser on your computer's hard drive. We, along with thousands of other Web sites, use cookies to enhance your Web viewing experience and to measure your Web site usage. With the help of cookies, we may present you with customised offerings or content that may be of interest to you. We may also use cookies to recognise you on subsequent visits or to remember your user name so you do not have to re-enter it each time you visit our site. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.
Occasionally, we may send you e-mail communications with information that may be useful to you, including information about our products and services or about offerings from other Central Wealth companies or third parties. You will be given the option of not receiving any such e-mail messages, if you choose.
We use encryption and authentication tools to protect information we gather on our Web site. E-mail communications outside of our Web site, however, may not be protected. If you are sending us an e-mail communication that includes highly confidential information, such as a credit card number, you may want to call us or send it by regular mail.
The practises and policies contained in this Privacy Policy replace all previous notices or statements with respect to the same subject.
This Privacy Policy applies only to the information collection practises of this Web site.
Consumers purchasing (or applying for) a product or service from a Central Wealth company are subject to the privacy policy of that company. If multiple products or services are purchased or applied for, the privacy policy of the company collecting the data applies. Customers who purchase our products and services will be provided with the privacy policy for each company to which they provide personal information.
We are committed to protecting personal information, and to using it or sharing it in ways that will improve or expand upon the services we provide to you. While browsing this Web site, you will not be provided with the opportunity to opt out because we will not use or share information in a manner that requires us to provide an opt out opportunity.
We reserve the right to modify or supplement our Privacy Policy at any time. If we make material changes, we will post our current Privacy Policy on our Web site.
Subject to the terms and conditions set forth in this Agreement, Central Wealth grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way. Central Wealth authorises you to view and download the information ("Materials") at this Site only for your individual use. This authorisation is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose (other than for your own benefit); and 3) you must not transfer the Materials to any other person. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.
The information on this site is not an offer by or on behalf of Central Wealth or its affiliates to sell or solicit an offer to buy any security or insurance product.
The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer's specific circumstances. All information, opinions and advice available on this site should be evaluated in consultation with a legal, accounting, tax, investment or other financial specialist.
This Site, luding all Materials, is copyrighted and protected by worldwide copyright, trademark and intellectual property laws and treaty provisions. You agree to comply with all such laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, Central Wealth does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information. Central Wealth and the Central Wealth logo are service marks/trademarks of Central Wealth.
You expressly understand and agree that: (1) your use of this site and the services and materials provided at the site are at your sole risk, and (2) the materials may contain inaccuracies and typographical errors. Central wealth, its affiliates and the providers do not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the site. You acknowledge that any reliance on the material or any opinion, advice, statement, memorandum, or information shall be at your sole risk.
Central Wealth, its affiliates and the providers (as to their materials only) reserve the right, in their sole discretion, to correct any errors or omissions in any portion of the site. We use reasonable efforts to provide you with accurate information. We reserve the right, however, to make corrections and/or changes should this information prove to be inaccurate. Central Wealth, its affiliates and the providers (as to their materials only) may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.
This site, the services, information and materials on the site as well as any software made available on the site, are provided "as is" without any representation or warranty, express or implied, of any kind, luding, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose.
You understand and agree that central wealth, its affiliates and the providers will not be liable for any direct, indirect, idental, special, consequential or exemplary damages, luding, but not limited to, damages, costs or loss of products, use, data or other intangible losses, even if we have been advised of the possibilities of those damages, resulting from: (i) your use of or inability to use the site, the services, or materials, or (ii) obtaining substitute products and/or services, or (iii) the use of any data, information, products or services obtained from transactions entered into through the web site, or (iv) any statement or conduct of any third party, or (v) any other matter related to the site, the services or materials.
As a convenience to you, Central Wealth and its Affiliates may provide, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk, subject to that site's terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. Central Wealth and its Affiliates make no warranty or representation regarding, and do not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Central Wealth, its Affiliates or this Site sponsors, endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo or copyright symbol of Central Wealth or any of its affiliates or subsidiaries.
All links to the Site must be approved in writing by Central Wealth, except that Central Wealth consents to links in which: (i) the link is a text-only link containing only the name "Central Wealth", (ii) the link "points" only to www.centralwealth.com and not to deeper pages: (iii) the link, when activated by a user, displays that page full-screen in a fully operable and navigable browser window and not within a "frame" on the linked website; and (iv) the appearance, position, and other aspects of the link may neither create the false appearance that an entity or its activities or products are associated with or sponsored by Central Wealth nor be such as to damage or dilute the goodwill associated with the name and service marks/trademarks of Central Wealth or its Affiliates. Central Wealth reserves the right to revoke this consent to link at any time in its sole discretion.
There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Central Wealth and its Affiliates are not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Central Wealth or its Affiliates, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.
In order to use certain Services on this Site, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if Central Wealth or any Affiliate has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, Central Wealth, in its sole discretion, has the right to suspend or terminate your access to the Site. Further, you agree that Central Wealth will not be liable to you or any third party if Central Wealth terminates your access to the Site, and the Services or Materials thereon, for any reason.
Except for the information you submit during the registration process or during the use of any other service offered through this Site (the "Permitted Information"), Central Wealth and its Affiliates do not want you to, and you should not, send any confidential or proprietary information to Central Wealth or its Affiliates via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to Central Wealth or its Affiliates other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to Central Wealth or its Affiliates, you grant to Central Wealth and its Affiliates an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that Central Wealth and its Affiliates are free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to Central Wealth or its Affiliates. You further recognise that Central Wealth and its Affiliates do not want you to, and you warrant that you shall not, provide any information or materials to Central Wealth or its Affiliates that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that operates the proprietary material of another.
Central Wealth and its Affiliates will use the Permitted Information in accordance with the privacy policy posted on this Site.
This Site may lude bulletin boards and chat rooms ("Bulletin Boards"), which allow feedback to Central Wealth, its Affiliates and real-time interaction between users. Central Wealth does not control the messages, information or files delivered to Bulletin Boards. It is a condition of your use of the Bulletin Boards and this Web Site that you do not:
- restrict or inhibit any other user from using and enjoying the Bulletin Boards;
- post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, luding without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national or international law;
- post or transmit any information, software or other material which violates or infringes the rights of others, luding material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder;
- post or transmit any virus or any information, software or other material which contains a virus or other harmful component;
- post, or transmit or in any way exploit any information, software or other material for commercial purposes or which contains advertising;
You understand that Central Wealth has no obligation to monitor the Bulletin Boards. However, Central Wealth reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, that in Central Wealth's sole discretion are objectionable or in violation of these Terms and Conditions of Use.
Notices from Central Wealth and its Affiliates to you regarding your use of the Site, the Services and Materials will be made by e-mail or regular mail, in the sole discretion of Central Wealth or the applicable Affiliate, unless otherwise required by law or contract.
Central Wealth reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms and Conditions of Use will be effective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.
Central Wealth and its Affiliates may terminate, change, suspend or discontinue any aspect of the Site, luding the availability of any features of the Site, at any time without notice. Central Wealth and its Affiliates may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. Central Wealth and its Affiliates may terminate the authorisation, rights and license given above.
The Terms and Conditions of Use constitute the entire agreement between Central Wealth, its Affiliates and you in connection with your use of this Site, the Services and the Materials. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms and Conditions of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of Use, and the remainder of the Terms and Conditions of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms and Conditions of Use will survive.
The Terms and Conditions of Use will be deemed to lude all other notices, policies, disclaimers and other terms contained in this Site and in other contracts that you may have executed with Central Wealth and its Affiliates.
This Site is controlled, operated and administered by Central Wealth from its offices within Manila, Philippines. Central Wealth and its Affiliates make no representation that materials at this Site are appropriate or available for use at other locations outside the Manila, Philippines and access to them from territories where their contents are illegal is prohibited. If you access this Site from a location outside the Manila, Philippines, you are responsible for compliance with all local laws.
This Agreement constitutes the entire agreement between Central Wealth and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.
These Terms and Conditions of Use shall be governed by the laws of the State of RP, without giving effect to its conflict of laws provisions.
