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This website and our social media platforms are not intended for persons in jurisdictions that restrict the distribution of information by us or use of such social media platforms. If this is applicable to you, we would advise you to inform yourself about and observe the relevant restrictions. Philam Vitality Operator and Philam Vitality Partners as defined below do not accept liability in this respect. For our policy on using your personal data for promotional or marketing purposes relating to Philam Vitality, please see the section " Use of Personal Data for Direct Marketing Purposes " below.

Personal data will be kept confidential but may, where such disclosure is necessary to satisfy any of the above mentioned purposes, be provided to the following parties:. From time to time, the AIA Group may purchase a business or sell one or more of its businesses or portions thereof and your personal data may be transferred or disclosed as part of the purchase or sale or a proposed purchase or sale.

In the event that the AIA Group purchase a business, the personal data received with that business, to the extent that it is relevant to Philam Vitality, will be treated in accordance with this Vitality PIC Statement. In the event that the AIA Group sells a business, to the extent that it is relevant to Philam Vitality, a provision will be included in the selling contract requiring the purchase to treat your personal data in the same manner required by this Vitality PIC Statement.

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For our policy on sharing your personal data for promotional or marketing purposes relating to Philam Vitality, please see the section " Use of Personal Data for Direct Marketing Purposes " below. Requests for access, correction or other queries relating to you under the Philam Vitality programme should be addressed to:. The Philam Vitality Operator has the right to charge costs which are directly related to and necessary for the processing of any personal data access request. We may provide your personal data to providers whether within or outside of the AIA Group of any of the Classes of Marketing Subjects for gain.

The types of personal data that the AIA Group intends to use and provide for direct marketing purposes as described above are your name and contact details. You may in future withdraw your consent to the use and provision to a third party by the Philam Vitality Operator of your personal data for direct marketing purposes and thereafter the Philam Vitality Operator shall cease to use such data for direct marketing purposes.

If you wish to withdraw your consent, please inform us by writing to the address in the section on " Access Rights to Personal Data " or sending us an email. Any such request should clearly state details of the personal data in respect of which the request is being made.

Cookies are unique identifiers placed on your computer or other device by a web server, which contains information that can later be read by the server that issued the cookie to you. Philam Vitality Operator may use cookies on various websites we maintain. The information collected including but not limited to: your IP addresses and domain names , browser software, types and configurations of your browser, language settings, geo-locations, operating systems, referring website, pages and content viewed, and durations of visit will be used for compiling aggregate statistics on how our visitors reach and browse our websites to help us understand how we can improve your experience on it.

Such information is collected anonymously and you cannot be identified unless you have logged on as a member. We use such data only for website enhancement and optimization purposes. The cookies also enable our website to remember you and your preferences, and tailor the website for your needs. Advertising cookies will allow us to provide advertisements on our websites that are as relevant to you as possible, e.

Most web browsers are initially set up to accept cookies. If you do not want to receive cookies, you can disable this function in your browser settings. However, by doing so you may not be able to fully enjoy the benefits of our websites and certain features may not work properly.

If any part of this website contains links to other websites, those sites may not operate under this Vitality PIC Statement. You are advised to check the privacy statements on those websites to understand their policies on the collection, usage, transferal and disclosure of personal data. The Philam Vitality Operator reserves the right, at any time and without notice, to add to, change, update or modify this Vitality PIC Statement, simply by notifying you of such change, update or modification.

If we decide to change our personal data policy, those changes will be notified to you either on our website or in writing so that you are always aware of what information we collect, how we use the information and under what circumstances the information is disclosed. Any such change, update or modification will be effective immediately upon posting.

Should you have any questions on any part of this Vitality PIC Statement or would like additional information regarding the Philam Vitality Operator's data privacy policies and practices, please do not hesitate to contact us. Philam Vitality Operator shall receive ongoing support by Discovery, the global operator of the Vitality programme.

These terms and conditions apply to Philam Vitality in the Philippines and the provision of any benefits thereunder. The most up-to-date version of these terms and conditions is available on the Philam Vitality website and on our Philam Vitality portals. Alternatively, you can request a hard copy by contacting us at 02 for Philam Life or 02 for BPI-Philam. The date of the latest version of these terms and conditions can be found at the bottom of this page under the heading.

You must read these terms and conditions before you apply to become a member of Philam Vitality. These terms and conditions contain important information. If you do not understand these terms and conditions or have any questions about these terms and conditions, please email this address ask philamvitality. Our representatives will be happy to assist you and answer any questions you may have. By applying to become a Philam Vitality member, by paying the annual Vitality membership fee to Philam Life or BPI-Philam or by participating in the Philam Vitality programme or by accessing any benefit or reward, you will be deemed to have:.

Once you are a Philam Vitality member, you have a choice on whether or not to access or use the benefits on offer under Philam Vitality. If you choose to access or use a benefit, in addition to these terms and conditions, the Philam Vitality Terms of Use, Philam Vitality PICS and the Philam Vitality Privacy Policy, you will be bound by any additional terms and conditions set out in the relevant benefit guides, as well as any other requirements which may be stipulated in writing by a partner of Philam Vitality from time to time.

You can obtain the full set of benefit guides if you email this address: ask philamvitality. The benefit guides will also be available and updated on the Philam Vitality website. Any revised version of the terms and conditions shall be effective as at the date of publication on the website. Any continuous subscription or use of, or participation in, Philam Vitality by you will be deemed as your unequivocal acceptance of any amendment to these terms and conditions. Philam Vitality Operator, Philam Vitality, the AIA group of companies and their partners shall not be liable for any loss or damage resulting from any amendment to these terms and conditions.

It is your responsibility to keep yourself up to date in respect of Philam Vitality and these terms and conditions.


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We shall use reasonable effort to notify the Philam Vitality members of changes or variations to Philam Vitality by posting details of the changes on the Philam Vitality website. Where we consider that changes to Philam Vitality will be significant, we shall endeavor to provide Philam Vitality members with reasonable notice of the changes in advance.

This notice may be provided electronically, including by email sent to your last notified email address or by posting details of the change s on the Philam Vitality website. If you are not satisfied with any changes or variations to Philam Vitality, you may terminate your membership under clause 9 Termination of membership of these terms and conditions.

Philam Vitality membership is granted based on the sole discretion of Philam Vitality Operator and Philam Vitality Operator may refuse membership to any applicant. Philam Vitality membership year commences on the date that the Philam Vitality membership begins and runs for a month period. The Philam Vitality membership year can start on any day of the calendar year. Billing will be issued 28 days before the membership anniversary date. Philam Vitality Operator may, in its absolute discretion, allow other methods of applying for an exclusive membership of Philam Vitality.

Please refer to clause The Philam Vitality member must be a living individual, and membership is not available to corporations or other legal entities. Membership is granted at the sole discretion of Philam Vitality Operator. Each individual is entitled to only one Philam Vitality membership in each jurisdiction.

Standalone purchase of Philam Vitality membership is not allowed. Philam Vitality Operator may, in its absolute discretion, allow certain individuals who do not meet the qualifying conditions set out above to become a Philam Vitality member exclusive memberships.

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Philam Vitality members will be issued a membership number and membership card. You will receive your Philam Vitality membership card after Philam Vitality Operator accepts your application and you have successfully activated your membership. Philam Vitality Operator shall not be responsible in the event of any error in your application or your failure to receive your Philam Vitality membership card due to the provision of incomplete or inaccurate particulars or information including payment details or an obsolete, incomplete or inaccurate mailing address.

If you fail to present your Philam Vitality membership card at our partners when requested, you may not be able to claim such points and benefits retrospectively. Philam Vitality membership and Philam Vitality membership card are non-transferable and non-assignable, and will be used exclusively only by you. You will remain liable for all transactions incurred from usage of the Philam Vitality membership card whether authorized or otherwise , where investigations made by Philam Vitality Operator reveal that you are a party to any actions regarding any transactions effected through the use of the Philam Vitality membership card.

You will not be entitled to dispute any transaction using your Philam Vitality membership card or under your username and password, unless Philam Vitality Operator has previously confirmed the receipt of your notification on the suspected or actual unauthorized use, loss or theft of your Philam Vitality membership card. Philam Vitality Operator is entitled, but not obliged, to rely on all instructions and transactions carried out using your Philam Vitality membership card or under your username and password.

Your Philam Vitality membership card is and will at all times remain Philam Vitality Operator's property and will be surrendered to Philam Vitality Operator immediately upon termination of your Philam Vitality membership or on our request due to a breach by you of these terms and conditions, the Terms of Use or for breach of any benefit guide the terms or conditions of any other membership documentation. Should your Philam Vitality membership card become lost or damaged, you must immediately notify us via email at ask philamvitality.

You may request Philam Vitality Operator to issue a replacement Philam Vitality membership card and Philam Vitality Operator shall at its sole and absolute discretion accept or refuse such request with or without providing any reason. The issue of any replacement Philam Vitality membership card may be subject to a Card Replacement fee unless waived by Philam Vitality Operator at our discretion.

For more information, please refer to the Philam Vitality website.

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Unless otherwise set out in the relevant benefit guide, only a Philam Vitality member can enjoy the benefits. Benefits may only be used for personal and not business purposes. As a general rule, you will be eligible to access benefits when you activate your Philam Vitality membership card. Certain benefits may not be accessible immediately and may be subject to a processing or waiting period. The relevant benefit guide will explain when that benefit will be available and the relevant terms and conditions applicable to obtaining each benefit.

If you do not activate your Philam Vitality membership, you may not be able to access benefits. Please refer to the benefit guides on the Philam Vitality website for more information. In some cases, certain benefits or partner discounts will not be applied at the point of sale. Instead these benefits or discounts may be consolidated on a periodic basis in the form of rebates.

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Where applicable, you will receive such rebates by electronic funds transfer or vouchers, or such other method as may be determined by us from time to time at our sole discretion and subject to applicable laws. For more information, please refer to the relevant benefit guide on the Philam Vitality website. Additional fees, including but not limited to, activation fees, monthly fees and subscription fees, may be payable for the utilization of certain benefits. The fees may be payable directly to the partner or to Philam Vitality Operator. Where possible, we will endeavor to give you advance notice of the introduction of, or increase to, any fees payable for the utilization of certain benefits.

If you are not satisfied with the introduction of, or increase to, any fees payable for the utilization of certain benefits, you may terminate your membership under clause 9 Termination of membership of these terms and conditions. Benefits are provided by our partners. These partners are separate and independent entities, and Philam Vitality Operator shall not be responsible for the nature or quality of products or services provided by those partners, nor for any solicitation efforts by those partners.

The products and services offered by our partners are not sold or marketed by Philam Vitality Operator, and the provision of the same may also be subject to certain terms and conditions of our partners. Our partners may apply additional terms and conditions with regard to the availability and eligibility of earning Philam Vitality points. PHILAM VITALITY OPERATOR makes no representations or warranties, express or implied, of any kind with respect to any benefit, including price, availability, quantity, quality, accuracy, timeliness, usefulness, merchantability or fitness of any product or service provided as part of a benefit, including without limitation, success rate, fitness for a particular purpose and quality.

Philam Vitality Operator shall have no liability for partner withdrawals from Philam Vitality or for award changes or cancellations caused by partner withdrawals, discontinued partner service, or award or point accrual cancellations for any reason. Any dispute about any products or services provided as part of a benefit must be resolved directly with the relevant partner. You may, however, opt out of receiving such materials by advising Philam Vitality Operator. However, if you choose to opt out, you are not able to receive useful information about reward etc.

claranmeoreamar.gq For details, please refer to clause A partner alone or jointly with Philam Vitality Operator may issue a benefit guide which sets out the rules governing the use and access to a benefit. You can obtain the full set of benefit guides if you email a request to ask philamvitality. The benefit guides are also available on the Philam Vitality website.

Representations in the benefit guides made on behalf of our partners are based upon information that Philam Vitality Operator has received from them, such information having been provided to us along with assurances from our partners that it is accurate. Philam Vitality Operator does not assume any legal liability or responsibility for the completeness, accuracy, adequacy or currency of the contents of any benefit guide or any other advice or information provided with respect to any benefit.

All information in a benefit guide and other information provided with respect to any benefit is general information only and are not in any way intended to be financial, medical, nutritional, health, fitness, legal or other advice or as a substitute for such advice. Any such information is not provided to promote or influence you to acquire any product or service. Benefit guides and other information provided in respect of benefits do not take into account your personal circumstances and are subject to change.

You should obtain professional advice from a medical practitioner, pharmacist, dentist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any medical condition. If necessary, you should consult with such a professional. Importantly, the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools cannot replace any advice a doctor or other health professional gives.

You should not change or discontinue any assistance or treatment you may be receiving on the basis of information provided in relation to any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used without first consulting your healthcare provider. Medicines you use for your physical or mental health may also affect the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used. You should also seek professional advice immediately should any symptoms you may be experiencing persist or change.

As a new Philam Vitality member, your default status will be Bronze. Points earned throughout your Philam Vitality membership year are added towards your status. The more points you earn, the higher the status you will achieve. The different status levels are: Bronze, Silver, Gold and Platinum.


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To move up a status, you will need to accumulate a sufficient number of points to reach the relevant status. The table below sets out how many points are needed for each status at the date of these terms and conditions. As your status changes, the benefits you are entitled to and the terms relating to those benefits may change.

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Please refer to the benefit guides for further information. You will earn points for completing certain activities if you are a Philam Vitality member. Additional rules such as age and gender rules apply to some activities. Please refer to the partner benefit guides on our website for further details.

The number of points you can earn will depend on a range of factors such as the activity you are doing and your health goals and risk factors. We may adjust the number of points you can earn for each activity depending on your individual health status or how important the activity is to your health status. Additional terms and conditions may apply to each activity. Please refer to the relevant benefit guides for further details. I maintain a personal finance blog that talks about these things.

If nothing is done about this soon like, next week , maybe I should let my readers know that your claim is false and they should not even bother filling out those forms since they would have to go their "nearest branch" to do these things anyway. I really hope you can fix this annoying, unnecessary, and ridiculous "bug" soon, for both our sakes.

After reading this email several times over, I now feel deeply embarrassed for making that not-so-subtle threat: it just sounds so cheap and hollow.


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If you want to save up for different financial goals, having multiple savings accounts can make it a lot easier to keep track of your savings. So, if you have more than that amount, it will be safer to save the additional fund in a different bank. Remember Banco Filipino? Different banks have different sets of promotions.

From discounts on petrol prices, rebates on your favorite clothing line, to air miles that you could drastically bring down your airfare to a shoestring price. Installment is what most people use credit cards for, usually for big purchases such as home appliances, airfare, or even on the latest gadgets. It gives people more purchasing power and a better cash flow management. Credit cards can be a good alternative.

So, only use this credit card feature in cases or emergency. With the automation of almost everything tangible in the world right now, technology has also brought us new ways to pay without having to deal directly with our banks. Alternative payment methods such as PayMaya, Paypal and Bitcoins are now on the rise in the Philippines. And, many establishments already acknowledge these more highly automated payment methods such as utility companies, Internet Service Providers ISPs , insurance companies, and almost all credible online stores! Not to mention, you can also use these online accounts to store your funds like a savings account.

It is a free app that gives you a virtual Visa Card that you can use to shop online, book flights, and more, even without a credit card.