Terms & Conditions of Use
Welcome to RiaCarePh.com (the “Site”), which is owned and operated by RiaCarePh . These Terms and Conditions govern your access to and use of the Site and any services made available through it. By accessing or using the Site and its Services, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms. You further represent and warrant that you are at least 18 years of age or of legal age in your applicable jurisdiction. If you do not agree to any part of these Terms, you are advised not to access or use the Site or any of its Services.
Changes to Terms
We may modify these Terms at any time. Continued use of the Site after changes means you accept the revised Terms.
Privacy and Personal Information
Use of the Services may involve providing us with personal data. By doing so, you agree to our Privacy Policy, which outlines how we collect and use your information.
Our Services
RiaCarePh provides information, recommendations, and access to various healthcare plans, including insurance, prepaid cards, and services from HMO partners. The information is for general reference and decision-making support only.
We are not an insurance underwriter or broker. Final prices and terms of plans are determined by the issuing providers. Availability is limited to the Philippines and is subject to each partner’s term.
Some features may require additional agreements with us or third parties. If terms conflict, the partner’s terms prevail.
Account Registration
Certain parts of the Site may require account creation. You must provide accurate information and maintain the confidentiality of your login credentials. You are responsible for all activity under your account.
Intellectual Property
All content on the Site, including text, images, graphics, logos, and tools, is owned by RiaCarePh or its licensors and protected by law. You may not reproduce, distribute, modify, or use the content for commercial purposes without written permission.
Unsolicited Submissions
By submitting ideas or feedback to RiaCarePh, you grant us the right to use them freely and without compensation. Such submissions are non-confidential and non-proprietary.
Disclaimer & Limitation of Liability
Services and content are provided “as is” without warranties. We make no guarantees about the accuracy, completeness, or reliability of information. You agree that we are not liable for any damages arising from use of the Site or Services.
We are not responsible for the content or availability of third-party websites linked from the Site. You assume all risk in accessing those external sites.
Indemnity
You agree to defend and hold harmless RiaCarePh and its affiliates from any claims, damages, or expenses arising from your breach of these Terms or misuse of the Site.
Termination
We reserve the right to suspend or terminate your access to the Site or Services at our sole discretion without notice.
Governing Law
These Terms are governed by the laws of the Philippines. Any disputes will be resolved in the appropriate courts located in Tagbilaran City, Bohol, unless otherwise required by law.
Entire Agreement
These Terms represent the full agreement between you and RiaCarePh regarding the Site and Services, superseding any prior communications.