Content & Use of Information

All information provided to this site shall be deemed and remain the property of FWD Life Insurance Corporation (“FWD”), and FWD shall be free to use, for any purpose, any idea, concept, know-how or techniques contained in the provided information, subject to the provisions on privacy detailed herein. Except as specifically required by Philippine law, FWD shall not be subject to any obligations of confidentiality regarding the provided information.

By posting any content, material or information to this site, you are granting permission to FWD, including its authorized representatives, to access and use it in connection with any service, the site and otherwise in connection with our business. In connection with your posted contents, you agree that you will not: (1) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material; (2) publish falsehoods or misrepresentations that could damage FWD, its officers, directors, stockholders, employees, distributors, or any third party; (3) submit URLs or contents that are unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; (4) offer or provide services whose subject matter is pornographic, defamatory, libelous or offensive.

Likewise, reference to political activities, political party meetings, demonstrations, fliers or petitions, as well as the propagation of political symbols is strictly prohibited. Furthermore, posted contents which insult, belittle, or in other negative ways affect other users are also prohibited. If you violate any of these restrictions, FWD is authorized to deny or delete your posted content and/or cancel your right to use the site and/or services, without prior notice or any obligation to investigate. You will be liable to FWD for all direct and indirect damages for any violation of the above mentioned restrictions. You agree to indemnify FWD from all claims by third party resulting from your violation of the above restrictions.

Personal Data

FWD is committed to the protection of the personal information of our customers. As you use our services and share information with us, we want to be clear on how we are using your information and the ways in which we protect your privacy. However, FWD shall not be subject to any obligation of confidentiality regarding any submitted information except as specifically agreed to by FWD directly to the customer or as required by Philippine law. Please do take time to get to know our privacy policy and if you have questions, contact us at The personal information communicated by the user to FWD thru the FWD sites or microsites, by way of forms or questionnaires placed online, is necessary for the processing of these forms and questionnaires. When you share personal information with us, we use the information we collect to provide, maintain, protect and improve and develop our services, and to protect FWD and our users. The personal information we collect will be processed by the various concerned departments of FWD and may be processed on a server located outside the country where you live. We will ask for your consent before using information for a purpose other than those that are set out herein. You will likewise have the right to access your personal information held by FWD and to correct and/or update such personal information from time to time.

Information We Share

We do not share personal information with entities and/or individuals outside of FWD but, subject to the provisions of applicable Philippine laws, personal information may be:

  1. Made available to any of FWD affiliated companies and/or any individual and/or entities associated with FWD, and in this regard, you consent to the transfer of your data outside of the Philippines;
  2. Supplied with your consent to persons you have authorized in writing;
  3. Disclosed to any government or appropriate regulatory authorities or any information sharing facility of the insurance industry; and/or
  4. Shared with entities and/or individuals outside of FWD or any of its affiliated if we have good faith belief that processing and/or disclosure of the information is necessary to comply with laws or regulations or for the purpose of FWD’s legitimate interest.