may apply to the matters discussed on our website. These will be drawn to your attention when you browse our website.
The terms 'our website' and 'our site' refer to the information, text, graphics, services and other data contained in and under the Uniform Resource
Locator ("URL") malayanonline.com
The travel insurance availble for purchase on the website is underwritten by Malayan Insurance Co., Inc., an insurance company licensed to undertake
non-life insurance in the Philippines. This website is likewise operated bu Malayan Insurance Co., Inc.
Ownership of all materials on our website
Images, logos, names and trademarks on this website are proprietary marks of Malayan Insurance Co., Inc. (TravelSure) and/or any applicable relevant third
party. Nothing on this website gives any person any license or right to use any such image, logo, name or trademark and any such use may constitute an
infringement of the rights of the proprietor and/or licensee.
You may not commercially exploit, publish, distribute, extract, re-utilize or reproduce any part of our website and no part of this website may be
reproduced, stored, modified, adapted, uploaded to another location or produced for display in public in any form without our prior written approval.
Our website does not provide your personal, financial, investment or any advice of any kind. Our website and the information it contains does not take into
account your particular financial or insurance position or requirements and you should always obtain independent advice before acting upon any of the
information contained on our website or other links contained on our website.
Availability and accuracy of our website
Some technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error-free access to our website at all times,
that defects will be remedied, or that our website or the servers that makes our website available, are virus or bug-free.
While we have tried to ensure the accuracy and completeness of the content of the website, we cannot guarantee that our website will meet all your specific
needs which may be personal to you.
Our website and the information and materials contained in our website are provided on an 'as is' and 'as available' basis.
Access to and use of our website is at your own risk and we do not warrant that the use of our website or any material downloaded from it will not cause
damage to any property, or otherwise minimize or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus
infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the
content of this website by any unauthorized third parties.
Without notice to you, we may suspend access to our website from time to time to allow for repair or maintenance or for other reasons.
If you access or use our website, you are responsible for your compliance with all local laws that apply to you. In particular, you are not allowed to
access or transact on this website if your local laws prohibit the access or use of this website or renders illegal or unenforceable any product or service
contained in it.
THE FOLLOWING PROVISIONS SHOULD BE READ CAREFULLY AS THEY EXCLUDE OR LIMIT OUR LEGAL LIABILITY IN CONNECTION WITH YOUR USE OF OUR WEBSITE. Nothing in these
provisions attempts to exclude liability that is not allowed under applicable law.
We are not liable if you lose any content or material when uploading or transmitting it through our website.
We also cannot guarantee that we can or will provide a particular product or service at any particular time or price or that a product will be available at
any time. We do not accept liability for withdrawing a product or service or for rejecting your application for a product or service for any reason.
We exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, (including
without limitation that our website and all or any part of the content or materials, accuracy, availability or completeness of the content of the website
or any part of the content or materials are appropriate or available for use in any jurisdiction).
We (including all of our employees, officers and directors) exclude all liability in contract, tort (including negligence), statutory duty or otherwise to
any person arising out of the use of, access to, or non- access to our website, or for any errors or omissions contained in our website or if our website
We (including all of our employees, officers and directors) shall not be liable for any direct or indirect economic losses or any loss of revenues, data,
profits, contracts, use, opportunity, business or anticipated savings; goodwill or reputation or any special, incidental, consequential loss or damage,
suffered or incurred arising out of or in connection with your use of our website (even if they are notified to us); or non-compliance with or breach of
these terms and conditions.
Site access and product purchase
TravelSure website may be accessed by all and may be used as an information portal of Cebu Pacific passengers and Assureds. On the other hand, travel
insurance quotations are only provided and made available for itineraries exiting the Philippines and domestic routes. All transactions are quoted in and
are payable in Philippine peso.
Product terms and conditions
The content of our website does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an
offer by you which we may accept or reject on such terms and conditions in force at the time of our acceptance.
After you make a request through our website to purchase the product or service and assuming such product or service is available to you and your offer is
accepted, you will receive confirmation of your purchase.
Unless we say so, the information and descriptions on our website do not necessarily represent complete descriptions of all terms, conditions and
exclusions and the precise cover provided (as applicable). All these shall be included in the schedule of cover, policy documents and/or conditions of
purchase issued to you. Such documents may be either physical or electronic.
If you apply for any product or service detailed on our website, these terms and conditions of use should be read in conjunction with any other terms or
conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service
conditions, the specific product or service conditions shall prevail.
All applications for a product or service detailed on our website are subject to and must comply with our normal approval criteria and are governed by the
normal terms and conditions applying to each product or service requested.
You must ensure that the details and information (especially in relation to payment) that you provide to us while using our website are correct and that
there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit card you use must be your
own and not in anyone else's name.
Transactions on our website
To the extent permitted by law, you will receive all of your insurance documents electronically. There may be some insurance documents that we cannot
deliver electronically due to legal and technological constraints. These will be posted to you.
On our website, you can make certain transactions online. This may be purchasing a travel insurance policy and other transactions. These transactions will
not be final until we process your confirmation, receive payment, and issue the corresponding electronic confirmation of cover (ECOC).
It is your responsibility to inform us of any change to your email address. It is also your responsibility to keep your email account active and capable of
receiving new emails. We are not responsible for emails sent to an inactive or out of date email account, unless we are solely negligent.
Your confirmation of payment may not be received by us for reasons including mechanical, software, computer, telecommunications or electronic failure, or
the omission or failure of other providers or systems which are outside the control of either of us. You acknowledge that to the extent permitted by law,
we are not liable to you in any way for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an
electronic instruction through our website or any failure to receive an electronic instruction for any reason.
We may refuse to process a transaction at any time and for any reason. To the extent permitted by law, we will not be liable to you or to any third party
for this refusal.
Purchasing insurance policies
IMPORTANT NOTICE: We are required by law to tell you that before we provide cover, you must fully and faithfully tell us everything you know or could
reasonably be expected to know that is relevant to our decision to give you the insurance, as otherwise you may receive no benefit from your policy.
Where our website enables you to purchase insurance products or services online:
· You may purchase insurance policy coverage from us using our website by: (a) your making an electronic offer via our website, (b) by electronically
communicating our acceptance of that offer via our website to you, and (c) payment of the fee in full over-the-counter through any RCBC branch by the due
· We may act on and process all completed electronic instructions transmitted or issued through our website without further consent from or reference to
· We may treat an electronic instruction as authentic and are under no obligation to investigate the authenticity or authority of persons issuing or
transmitting such electronic instructions, or to verify the accuracy and completeness of such electronic instructions.
When entering into a contract via our website, we will be taken to have communicated our acceptance to your offer or request to purchase insurance only
· The electronic instruction containing the request and offer to purchase from you is entered and recorded in our main database;
· A record is created and stored in our database;
· A TravelSure confirmation number is generated from our end; and
As far as all transactions concluded on this website are concerned, a binding insurance contract is conditional on our being able to successfully confirm
your over-the-counter payment.
We may issue a paper confirmation of the insurance policy, upon request. The existence of a binding contract is not conditional on our issuance, or your
receipt of a paper confirmation of the transaction. Should the client request for a hard “paper” copy, they may email TravelSure at email@example.com or call (632) 628 – 8557.
All payments for the TravelSure products, or other services purchased via our website must be paid in full and in cash/check through over-the-counter
payments in any RCBC branch by the due date specified in the relevant confirmation.
Use of personal information
Through your use of our website you agree that personal information that is provided will be dealt with in accordance with our Security and Privacy
We may provide links to other websites that are not under our control. These links are provided for your information and convenience. When you activate
these links, you will leave our website. We do not approve or recommend or take responsibility for the content on these third party websites or the
availability of those websites, and we will not be liable for any loss or damage that you may suffer by using those websites. If you decide to access
linked websites, you do so at your own risk.
Our website may contain or link to information about special offers, deals or promotions by persons not related to or part of us. We do not sponsor,
recommend or approve of any such third party offers or third party material associated with those offers.
Restrictions of Use
You must not use our website in any way that causes or is likely to cause access to our website to be interrupted or impaired in any way. You acknowledge
and agree that you are responsible for all electronic communications sent from your computer.
When you use our website you must not either directly or indirectly or with or by any third party:
· Use our website for any purpose other than (a) as a legitimate customer or (b) for a non-commercial purpose;
· Take any action which may disrupt access to, cause damage, or interfere with the proper working of our website;
· Take any action that includes the use of any data accumulation tool, robot, spider or other automatic device or process to compile, disseminate, extract,
process, monitor or copy any web pages from our website including any information, data, graphics or content;
· Use any automated process to aggregate or combine information, content or data contained within or accessible through our website with information,
content or data accessible via or sourced from any third party;
· Take any action that places an unusually large load on the infrastructure of or bandwidth connecting to our website;
· Take any action that involves decompiling, reverse engineering, reverse assembling, attempting to reveal source code or other processes or formulas
connected with our website and other software; or
· Copy, reproduce, alter, modify or display in public any part or content from our web site without our written approval.
Interference or entry to our website with intent to corrupt, damage or deny service from our website or for other commercial benefit shall be taken very
seriously and we shall take such action as is necessary to protect our website from any such activities and to protect our intellectual property rights.
You acknowledge that damages may not be an adequate remedy for your infringement of any kind of such rights and that we are entitled to the remedies of
injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual
infringement and that no posting of security or proof of special damages is necessary for reliance on such remedies.
You must only use our website to:
· Obtain travel insurance quotes for yourself or your immediate family;
· Obtain information relating to the price of travel insurance cover from us for yourself or your immediate family or friends; or
· Conduct travel insurance related transactions or queries in respect of travel insurance cover for you or a member of your immediate family (with their
You may not insert a hyperlink to our website. The name and logo of TravelSure and Malayan Insurance must not be used by you in any way, including
advertising or publicity relating to any material on this website.
You also agree to indemnify us in respect of any liability that we may incur for any cost, damage or expense, however caused or suffered by the company as
You accept that by our posting of the new terms on our website that we have provided you with sufficient notice of such modifications. By the use of our
affect the validity or enforceability of the remaining terms and conditions of use.
Monitoring of telephone calls and emails
Any correspondence as a result of your access to our website may be recorded for training purposes and to assist in the prevention of fraud. By using such
methods you are consenting to such activities taking place.
Jurisdiction and law
the exclusive jurisdiction of the courts of the Philippines.
Indemnity and waiver
and all loss that we may suffer and for any costs and expenses that may be incurred by us as a result from or consequence of your breach.
any such breach or any subsequent breach.