Welcome to VariableUniversal.Life. By accessing or using this website, you confirm that you have read, understood, and agreed to be legally bound by these Terms of Use, along with our Privacy Policy, Disclaimer, Disclosure, and About Us pages. These documents collectively form a binding agreement between you and the website owner.
General Information Only
All content published on this site, including financial illustrations, sample computations, opinions, and income projections, is provided for general reference and educational purposes only. It is not a substitute for personalized financial, legal, tax, or insurance advice from a licensed professional.
No part of the website content shall be construed as a contract, binding offer, or guarantee of future financial performance.
Personal Responsibility
By using this website, you acknowledge and accept full responsibility for any decisions you make based on the content provided. You agree that the owner, Mr. Crispino, and any contributors to VariableUniversal.Life shall not be held liable for any actions, losses, or damages that result from your use of the site or reliance on its content.
Jurisdiction and Governing Law
This site is operated from the Philippines. These Terms of Use, and any disputes arising from your use of the website, shall be governed by the laws of the Philippines, without regard to its conflict of law principles. By using this site, you consent to the exclusive jurisdiction of the Philippine courts.
User Conduct
You agree to use this website lawfully and ethically. You must not misuse the site in any way, including but not limited to unauthorized data collection, spamming, or attempting to breach site security.
Third-Party Links and Tools
This site may contain links to external websites or third-party tools, including WordPress plugins. These third-party services operate under their own terms and privacy policies, which you should review before interacting with them. We do not endorse or take responsibility for any third-party content or services.
Use of WordPress and Plugins
This website is powered by WordPress and uses various plugins for enhanced functionality. These plugins may collect anonymized data or offer features governed by their own Terms of Service. We recommend reviewing individual plugin policies for further information.
Data Collection and Use
We collect personal information including name, email address, phone number, age, plan preferences, and monthly income only for the purpose of computing premium estimates and contacting potential clients. We do not sell or share your information with any third parties. For full details, see our Privacy Policy.
Changes to These Terms
We reserve the right to update, amend, or modify these Terms of Use at any time without prior notice. Changes will take effect immediately upon posting on this page. Continued use of the website after changes have been made constitutes your acceptance of the revised terms.
Contact
If you have any questions regarding these Terms of Use, you may reach out through our Contact Us page.
Last updated: June 14, 2025
