Terms & Conditions of Use

1.1.This website is operated by AlonRyse Ventures Corp. and used in connection with the insurance activities of Sean James Camello Advocacy, who acts solely in his capacity as a duly licensed non-life insurance agent. AlonRyse Ventures Corp. is a website/operator and support entity only, and does not underwrite insurance, make coverage decisions, or assume insurance risk. All underwriting, policy issuance, and claims decisions are made solely by the insurer.. We provide marketing, advisory, and facilitation services, including assisting with quotations, applications, and coordination with insurers. We do not underwrite insurance policies, make coverage decisions, or assume any insurance risk. All insurance products are issued, evaluated, and administered solely by the Insurer in accordance with its terms and applicable laws. The principal product lines we market and place include, without limitation: high-limit international medical plans (e.g., Blue Royale), peso-denominated comprehensive medical plans (e.g., Select), top-up and secondary plans (e.g., FlexiShield), group health solutions (e.g., BC Flexi Access), travel insurance plans, critical illness riders, and other ancillary riders or add-ons as described on the Website.

1.2. You acknowledge and agree that all policies, coverages, premiums, underwriting decisions, loadings, exclusions, cancellations, renewals, and claims determinations are made solely by the issuing insurer (e.g., Pacific Cross) in accordance with its policy terms, underwriting guidelines, and applicable law. Our role is limited to marketing, advisory, and facilitation services in an agent-affiliate capacity, including assisting with quotations and applications. We do not make underwriting decisions, approve coverage, or assume any insurance risk or liability.

2.1. Licensing and Affiliation. We are a licensed insurance agent in the Republic of the Philippines, authorized to market and facilitate insurance products of accredited insurers. Our services are provided in an agent-affiliate capacity, and not as an independent underwriting entity.

3.1. Eligibility. By using the Website and Services you represent and warrant you are at least 18 years of age (or the age of majority in your jurisdiction) and have legal capacity to contract.

3.2. Electronic communications; consent. Our Sales and advisory processes are primarily remote/digital (email, secure forms, voice calls, messaging). By submitting an online application or other materials you consent to receiving electronic communications (including policy documents, quotes, and renewal notices) and to our use of electronic signatures and records where permitted by law.

3.3. Remote selling disclosures. Remote processes may require extra time for identity verification, document authentication, medical underwriting and insurer adjudication. Turnaround estimates are indicative only; final processing times depend on Insurer procedures and third-party verifications.

4.1. Data controller / processor. We collect, process, store, and transmit personal data (which may include sensitive personal information and protected health information) strictly for the purposes of delivering facilitation services, preparing proposals, obtaining quotations. When necessary, Processing activities include collection of government IDs, contact details, income brackets, detailed medical histories, examination results, attending physician statements and other PII/PHI required by Insurers.

4.2. Legal framework and your consent. We process your personal data in accordance with the Data Privacy Act of 2012 and its Implementing Rules and Regulations (collectively, the “DPA”). By submitting personal data to us, you: (a) give explicit consent for the processing of your personal and sensitive personal data for the purposes set out in these Terms and our Privacy Policy; (b) authorize us to disclose and transfer your personal data to the Insurer(s), medical providers, laboratories, and other third parties as necessary for underwriting, claims, servicing and regulatory compliance; and (c) acknowledge and accept the risks inherent in sharing sensitive information for underwriting by the Insurer/s. (See our Privacy Policy for full details.)

4.3. Sharing with Insurers and third parties. We will share the necessary personal and health information with the Insurer for underwriting, premium computation and claims purposes. The Insurer will act as an independent controller/supervisor over the use of data received for its own policy administration and may have its own privacy statement and obligations; please also see the Insurer’s privacy notice.

4.4. Security; retention; breach notification. We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal data. We retain data only as long as necessary to fulfill the purposes described in our Privacy Policy or as required by law. In the event of a confirmed data breach affecting personal data we control, we will comply with the notification and mitigation obligations under the DPA and coordinate with relevant authorities as required.

4.5. Your responsibilities and rights. You must provide truthful, complete, and accurate information. You retain the data subject rights provided under the DPA (access, correction, erasure, object, and portability, subject to legal limitations). To exercise these rights, use the contact details in Section 18.

5.1. Accurate Disclosure Requirement. When applying for insurance coverage, you must provide complete, accurate, and truthful information, including any relevant medical history, symptoms, diagnoses, or treatments as required by the insurer. Failure to disclose material information may result in application rejection, policy cancellation, denial of claims, or other actions by the insurer in accordance with its terms.

5.2. Pre-Existing Conditions and Waiting Periods. Insurance policies may include definitions of pre-existing conditions, waiting periods, or exclusions depending on the insurer and plan selected. While we may provide general guidance based on available information, all coverage determinations, including eligibility, exclusions, and waiting periods, are made solely by the insurer (e.g., Pacific Cross) in accordance with the policy terms.

5.3. Free-Look Period and Policy Issuance. Certain insurance policies may include a free-look period, during which you may review and cancel the policy subject to the insurer’s terms and conditions. We will communicate relevant information provided by the insurer; however, all cancellation, refund, and policy terms are determined solely by the insurer (e.g., Pacific Cross).

6.1. Non-binding quotes. Any premium estimates or indicative quotes we provide are non-binding and subject to final underwriting, policy terms, and applicable taxes and fees determined by the Insurer.

6.2. Payments. All premiums and payments must be made directly to the insurer (e.g., Pacific Cross) through its authorized payment channels. We do not collect, hold, process, or transmit client funds. We may provide guidance on payment procedures, but we are not responsible for payment processing, confirmation, or any issues arising from transactions made directly with the insurer or its payment providers. We dont accept cash.

6.3. Processing times and delays. Processing times (including the common 1–2 week adjudication window or longer) are estimates only. Delays may be caused by medical underwriting, document verification, Insurer backlogs, or required clarifications. We will use commercially reasonable efforts to follow up, but we are not liable for Insurer delays. (See Section 11: Limitation of Liability.)

7.1. The Website’s content and our advisory services are for informational and advisory purposes only and do not constitute legal, medical, financial, tax, or other professional advice. You should consult a qualified professional for decisions that require professional expertise.

7.2. Use of our Services does not create an attorney-client, doctor-patient, or other fiduciary relationship unless a separate written agreement establishing such a relationship is executed.

8.1. All content on the Website—including text, images, logos, brochures, and other proprietary materials—is owned by or licensed to us or our partners and is protected by copyright, trademark and other intellectual property laws.

8.2. You may view and download materials for personal, non-commercial use only and must retain all copyright and proprietary notices. Any other use, reproduction, distribution, or commercial exploitation requires our prior written permission.

9.1. By submitting communications, feedback, case summaries, or files (including medical documents) via the Website or to our representatives, you grant us a perpetual, non-exclusive, worldwide, royalty-free license to use, reproduce, adapt, publish, distribute, or otherwise exploit the submission for the purposes of providing Services, improving the Services, or for lawful business purposes.

9.2. Submissions remain non-confidential unless we expressly agree otherwise in writing. Do not submit highly sensitive information via public comment fields; use secure channels we provide for confidential documents.

11.1. Disclaimer of warranties. The Website and Services are provided “as is” and “as available” without warranties of any kind. We do not warrant the accuracy, completeness, fitness for a particular purpose, or timeliness of Website content or any information provided.

11.2. No guarantee of outcomes. We do not guarantee any particular underwriting decision, pricing outcome, claim result, or any future Insurer action. All such determinations are made by the Insurer pursuant to its policy terms.

11.3. Force majeure. We shall not be liable for delays or failures caused by circumstances beyond our reasonable control, including natural disasters, pandemics, cyber incidents, telecommunications failures, strikes, governmental action, or Insurer interruptions.

12.1. To the fullest extent permitted by law, neither we nor our officers, employees, agents, or affiliates shall be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages (including lost profits, loss of business opportunity, or loss of data) arising from or in connection with the Website, Services, policy placement, advice given, or any Insurer decision—even if advised of the possibility of such damages.

12.2. Our aggregate liability to you for any claim arising out of or relating to these Terms or the Services shall be limited to the amounts actually paid by you to us in respect of the specific Services that gave rise to the claim during the 12 months immediately preceding the claim (or such greater minimum liability as may be required by applicable law).

12.3. Nothing in these Terms shall exclude or limit liability that cannot be limited or excluded by applicable law.

14.1. Termination. We may suspend, restrict, or terminate your access to the Website or Services at any time, without notice, for any reason including suspected breach of these Terms.

14.2. Right to refuse. We reserve the right, in our sole discretion, to refuse to provide Services to any person or organization for lawful reasons.

15.1. Refunds and cancellations are governed by the Insurer’s policy terms. If you cancel during any applicable free-look period (as specified in the Insurer’s policy), refunds may be available subject to the Insurer’s rules. If a policy is rescinded or voided by the Insurer due to non-disclosure or misrepresentation, any premiums paid may be subject to refund or retention in accordance with the Insurer’s terms.

15.2. We will provide assistance in processing cancellations or refunds, but we do not control the Insurer’s final decisions on refunds or rescissions.

16.1. These Terms are governed by the laws of the Republic of the Philippines.

16.2. Exclusive venue. Subject to mandatory legal rights to the contrary, you agree that any legal action or proceeding arising out of or relating to these Terms will be brought exclusively in the appropriate courts located in Cebu City, Philippines, and you waive any objections to venue or inconvenient forum.

If you have questions about these Terms, wish to exercise a data subject right, or want to make a complaint, contact us:

• Email: [email protected]
• Business / mailing address: Cebu City PH, 6000
• Website: https://seancamelloadvocacy.com/