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

The Sun Life Financial group of companies 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. The Sun Life Financial group of companies 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.

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Conditions of Use

Nothing in this site constitutes an offer to buy or sell products or services of the Sun Life Financial group of companies. 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 jurisidictions 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 Sun Life Financial in this site should not be interpreted as an endorsement of its services or products by any of the Sun Life Financial group of companies.

Your use of this site shall be entirely at your risk. The Sun Life Financial group of companies 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.

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Interactive Web Services

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

elated to your policy or contract through electronic transmission via a compatible personal computer and a secure Web browser. Access to Sun Life Financial'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 Sun Life Financial may require.

You agree that the use of this electronic identification is the legal equivalent to your written signed instructions to Sun Life Financial 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 Sun Life Financial is unable and under no obligation to confirm the identity or authority of any user of our interactive Web services.

You also agree that Sun Life Financial 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 Sun Life Financial.

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 Sun Life Financial of any unauthorized use of your Internet Personal Identification Number and/or access to your policy or contract records. Sun Life Financial 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 Sun Life Financial. These acknowledgements are only an indication that the transaction information entered by you has either been transmitted or cannot be transmitted to Sun Life Financial. No transaction shall be deemed accepted until you receive a written confirmation from Sun Life Financial. 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 Sun Life Financial.

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

Sun Life Financial reserves the right to discontinue its interactive Web services and to change the terms of its use at anytime 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 Sun Life Financial may immediately terminate your access to its interactive Web services if you violate any of the above Conditions of Use.

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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 Sun Life Assurance Company of Canada 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 licence to reproduce or republish any material on this site, please send such requests by e-mail or contact Sun Life Assurance Company of Canada's Corporate Affairs at 150 King Street West, Toronto, Canada, M5H 1J9. Any infringement of our rights will result in appropriate legal action. Sun Life Assurance Company of Canada and its affiliated companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on this site.

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Liabilities

You hold the Sun Life Financial group of companies 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. Sun Life Financial 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.

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