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Legal Disclaimers

Your use of this website is subject to, and constitutes acknowledgement and acceptance of, our Terms and Conditions of Use.

TERMS AND CONDITIONS OF USE

Legal Notices

Terms And Conditions Of Use (the “Agreement”)
Please Read These Terms Carefully Before Using This Site

This Web site is provided by First Philippine Holdings Corporation (FPHC) and may be used for personal, non-commercial and informational purposes only. By using or accessing the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this Agreement. If you do not agree to abide by these terms and conditions please do not access, use the site or download materials from the site.
Limited License and Use
Subject to the terms and conditions set forth in this Agreement, FPHC grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. This site does not, and it is not intended to, provide any financial, legal, accounting or tax advice and should not be relied upon you in this regard.

FPHC authorizes you to view and download the information (“Materials”) at this Web site (“Site”) only for your personal, non-commercial use. All information is protected under relevant copyright laws. Except as may be provided on this site, no one has permission to copy, transmit, display, perform, license, create derivative works from, distribute, reproduce, sell or republish any information found on this site without the prior written consent of FPHC. FPHC does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.
Intellectual Property Notice
Names, phrases, logos, icons, graphics, images or designs, used throughout the site may be tradenames, registered or unregistered trademarks or service marks of FPHC, its subsidiaries or affiliates. The display of such tradenames, registered or unregistered trademarks or service marks is not an implied license to any third party for their use. Any retransmission or alteration or any other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.
Site Content
The information contained on the pages of this Site is subject to modification and update from time to time without notice. FPHC does not guarantee or ensure either the accuracy, completeness, currency or authenticity of any site content, site functionality, or your transmission of any site content from the site to you.
Disclaimer
THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. FPHC DOES 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 ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. FPHC RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. FPHC 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 INFORMATION AND MATERIALS ON THE SITE, AND THE SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, TITLE OR FITNESS FOR ANY PARTICULAR PURPOSE. THIRD PARTIES MAY DESTROY OR ALTER DATA OR INFORMATION OR THE SITE ITSELF BY INFECTING IT WITH VIRUSES. FPHC WILL NOT BE RESPONSIBLE FOR THE SAME.
Third Party Sites
As a convenience to you, FPHC 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 and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. FPHC makes no warranty or representation regarding, and does 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 FPHC or this site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of FPHC or any of its affiliates or subsidiaries.
External Links to the Site
All links to the Site must be approved in writing by FPHC, except that FPHC consents to links in which: (i) the link is a text-only link containing only the name “First Philippine Holdings Corporation”; (ii) the link “points” only to www.fphc.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 FPHC nor be such as to damage or dilute the goodwill associated with the name and trademarks of FPHC or its Affiliates. FPHC reserves the right to revoke this consent to link at any time in its sole discretion.
Information Provided By You
Any personally identifiable information you may provide to FPHC via this Site is protected by the Privacy Policy associated with this Site. FPHC does not want you to, and you should not, send any confidential or proprietary information to FPHC via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to FPHC will not be considered confidential or proprietary. By providing any such information or materials to FPHC, you grant to FPHC an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials, and you further agree that FPHC is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to FPHC. You further recognize that FPHC does not want you to, and you warrant that you shall not, provide any information or materials to FPHC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another. ]
Limitations of Damages
IN NO EVENT SHALL FPHC OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, WHETHER ARISING OUT OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, EVEN IF FPHC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Changes
FPHC reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes.

FPHC may terminate, change, suspend or discontinue any aspect of the FPHC Site, including the availability of any features of the Site, at any time. FPHC may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. FPHC may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials.
International Users, Choice of Law and Venue
This Site is controlled, operated and administered by FPHC from its offices within the Republic of the Philippines. FPHC makes no representation that materials at this site are appropriate or available for use at other locations outside of the Philippines and access to them from territories where their contents are illegal is prohibited. If you access this Site from a location outside of the Philippines, you are responsible for compliance with all local laws. These Terms and Conditions of Use shall be governed by the laws of the Republic of the Philippines.

This Agreement constitutes the entire agreement between FPHC and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises at the proper court sitting in Pasig City, Philippines, to the exclusion of all other tribunals. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.