Terms of Use

1. Acceptance of Terms

By accessing or using the Juanlife website at juanlife.ph ("Site") or any of our insurance products and services ("Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Site or Services.

These Terms constitute a legally binding agreement between you and Juanlife. We reserve the right to update these Terms at any time, and your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age.
• Hold a valid Philippine driver's license.
• Be a resident of the Philippines.
• Provide accurate, complete, and current information during enrollment.

Juanlife reserves the right to refuse service to anyone who does not meet these eligibility requirements or who provides false or misleading information.

3. Insurance Products and Services

Juanlife is a technology-enabled insurance platform. Insurance products offered through our platform are underwritten by licensed insurance companies regulated by the Insurance Commission of the Philippines. Juanlife acts as an intermediary and is not itself an insurance underwriter.

Coverage details, benefit amounts, exclusions, and terms are governed by the specific policy documents issued upon enrollment. In the event of any conflict between information on this Site and your policy documents, the policy documents shall prevail.

The ₱25/day pricing referenced on this Site is indicative of the daily equivalent of the applicable premium plan. Actual premiums depend on the payment frequency selected (daily, weekly, monthly, or annual).

4. Enrollment and Account Responsibilities

When enrolling for coverage, you agree to:

• Provide truthful, accurate, and complete information.
• Promptly update your information if it changes.
• Keep your contact details current to receive policy communications.
• Not misrepresent your driver type, employment status, or health condition.

Providing false or misleading information may result in denial of claims, cancellation of your policy, and potential legal liability.

5. Premium Payments

Premiums must be paid in accordance with the payment schedule selected at enrollment. Failure to pay premiums on time may result in lapse of coverage. Juanlife is not liable for any loss or damage arising from a lapsed policy due to non-payment. Refund policies are governed by the terms of the specific insurance product and applicable Philippine insurance regulations.

6. Claims

Claims must be filed in accordance with the procedures outlined in your policy documents and within the timeframes specified therein. Juanlife will assist in facilitating your claim with the underwriting insurance company, but the final determination of claim eligibility and payment rests with the underwriter. Fraudulent claims will be reported to appropriate authorities.

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Juanlife or its content suppliers and is protected by Philippine and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission.

8. Prohibited Uses

You agree not to use this Site or our Services to:

• Violate any applicable Philippine or international law or regulation.
• Submit false, fraudulent, or misleading information.
• Attempt to gain unauthorized access to our systems or data.
• Interfere with or disrupt the integrity or performance of the Site.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.
• Use automated tools to scrape, crawl, or extract data from the Site without permission.

9. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Juanlife does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. Information on this Site is for general informational purposes only and does not constitute professional insurance, legal, or financial advice.

10. Limitation of Liability

To the fullest extent permitted by Philippine law, Juanlife shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or our Services. Our total liability to you for any claim arising from these Terms or your use of the Services shall not exceed the total premiums paid by you in the three (3) months preceding the claim.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from these Terms or your use of our Services shall first be subject to good-faith negotiation. If unresolved, disputes shall be submitted to the appropriate courts or regulatory bodies in the Philippines, including the Insurance Commission where applicable.

12. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and use of your information as described in the Privacy Policy.

13. Contact Us

If you have questions about these Terms of Use, please contact us: