1. Introduction
Welcome to Expressed Insurance Services. These Terms of Service govern your use of our website, products, and services. By accessing or using our services, you agree to be bound by these Terms.

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2. Services Provided
We offer insurance-related products and services, including but not limited to policy quotes, coverage options, and claim assistance. Our services are subject to change without notice.

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3. Eligibility
To use our services, you must be at least 18 years old or have the consent of a legal guardian. You must also provide accurate and complete information when required.

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4. No Guarantee of Coverage
Receiving a quote or consultation does not guarantee coverage or approval for any insurance policy. All coverage is subject to underwriting guidelines and insurer approval.

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5. User Responsibilities

• You agree to provide accurate and truthful information.

• You will not misuse our services for fraudulent or unlawful purposes.

• You are responsible for maintaining the confidentiality of your account information.

 

6. Privacy Policy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

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7. Limitation of Liability
We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our services. Our maximum liability is limited to the amount you have paid for our services, if applicable.

 

8. Third-Party Links
Our website may contain links to third-party websites. We do not endorse or assume responsibility for any content, privacy policies, or practices of these third-party sites.

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9. Termination
We reserve the right to suspend or terminate your access to our services at any time, for any reason, including but not limited to violation of these Terms.

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10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Insurance Commission of the Philippines, without regard to its conflict of law principles.

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11. Changes to Terms
We may update these Terms at any time. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.

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12. Contact Information
For any questions regarding these Terms, please contact us at +639153257073.