Terms of Use of PRUShoppe

Please read the following terms and conditions carefully and evidence your acceptance of its terms by clicking on the Agree button below:

  1. I understand and agree that this Agreement ("Agreement") between me and Pru Life Insurance Corporation of U.K. ("Pru Life UK") states the terms and conditions of my use and access of the PRUShoppe website at (“PRUShoppe”). I represent that by using PRUShoppe, I have the right and capacity to enter into this Agreement.

    In offering PRUShoppe, Pru Life UK is making available services through the facilities of the Internet which allow me to purchase insurance products online. I agree to use PRUShoppe only in accordance with this Agreement.

    For further assistance, I can contact the PRU Customer Action Team at (632) 8887 LIFE (8887 5433, for Metro Manila) or 1 800 10 PRULINK (1 800 10 7785465, domestic toll-free).

  2. Jurisdiction. Pru Life UK is not offering any life insurance product to or soliciting any business from any person outside the Philippines. PRUShoppe is available for use only by persons within the Philippines. We will be including technical detection controls to ensure that purchases are made within the Philippines.

    This Agreement shall be interpreted and governed by the laws of the Republic of the Philippines. Pru Life UK and I agree to submit to the sole and exclusive jurisdiction of the courts of Taguig City, Metro Manila, Philippines with respect to any legal proceeding which may be initiated in connection with this Agreement.

  3. I acknowledge that I have read the Security and Privacy Notice of PRUShoppe at and consent and agree to those terms.
  4. I agree that PRUShoppe is the proprietary property of Pru Life UK. I agree not to use PRUShoppe except as authorized by this Agreement.
  5. I agree that Pru Life UK may, in whole or in part, at any time whether with or without notice, discontinue, modify or change the terms of PRUShoppe, or terminate, amend, modify, add or remove any portion of this Agreement. Notification of changes in the Agreement will be posted on the PRUShoppe website.

    I agree that Pru Life UK may immediately terminate its services in relation to PRUShoppe if I breach this Agreement or if I have jeopardized the proper and efficient operation of its services. Any unauthorized use of PRUShoppe by me, whatsoever, shall result in the automatic termination of this Agreement.

  6. I agree that Pru Life UK and its employees, affiliates, and subsidiaries shall not be responsible for any damage caused by communications line failure, unauthorized access, theft, systems failure, and any other occurrences beyond their control. I agree to provide all equipment and facilities necessary to access PRUShoppe and will be solely responsible for paying all charges related thereto.
  7. I acknowledge and agree that I am liable for any and all charges and expenses incurred in connection with my use of PRUShoppe. Pru Life UK will not be liable for any loss incurred as a result of its termination of this Agreement or my right to access PRUShoppe at any time, whether with or without cause or notice. Further, Pru Life UK will not be liable for any loss incurred as a result of any limits on access to features or other restrictions on my access to parts or all of PRUShoppe whether with or without notice.
  8. I expressly acknowledge and agree that the use and storage of my policy and any/personal information, including without limitation, account information transaction activity, and any other information available through my use of PRUShoppe, is at my sole risk and responsibility. Pru Life UK does not make any representation or warranties express or implied including without limitation any implied warranties of merchantability or fitness for a particular purpose in respect of PRUShoppe.
  9. In no event will Pru Life UK be liable for any loss or damage whatsoever and howsoever, occasioned whether or not arising from or in connection with my access and/or use of PRUShoppe including any direct, indirect, incidental, consequential or special loss or damages (including without limitation, loss of profit or interest) resulting from any defect in or use of PRUShoppe. This limitation of liability will apply to the fullest extent permitted by applicable law.
  10. PRUShoppe utilizes Internet services to transfer data and/or communications and Pru Life UK will take reasonable security precautions in connection therewith, but Pru Life UK disclaims any liability for interception of any such data or communications. Pru Life UK shall not be responsible for, and makes no warranties regarding, the access, speed, or availability of Internet or network services. Pru Life UK will not be liable for any loss or damage whatsoever and howsoever occasioned whether or not arising from or in connection with my access and/or use of PRUShoppe including any direct, indirect, actual, moral, nominal, temperate, liquidated, exemplary, consequential, punitive, economic or special losses and damages (including without limitation, loss of profit or interest), and including (but not limited to) the following:
    1. any loss arising from Pru Life UK acting on instructions I have issued, but which, in fact, was an unauthorized use of PRUShoppe;
    2. my reliance on the information provided as part, or by means, of PRUShoppe;
    3. any failure by me to follow the most updated instructions and procedures for using the services offered on PRUShoppe;
    4. any loss associated with system failures, processing errors, software defects, operating mistakes, hardware breakdowns, capacity inadequacies, network vulnerabilities, control weaknesses, security shortcomings, malicious attacks, hacking incidents, viruses, Trojan horses, time bombs, trapdoors or other fraudulent actions and inadequate recovery capabilities which arise despite Pru Life UK's use of reasonable security precautions;
    5. any disclosure of any information to third parties arising as a result of my fault or negligence;
    6. any cessation or interruption of the availability or operation of PRUShoppe; or
    7. any breach of Pru Life UK's obligations or duties to me caused by or arising from any one or more of the events or matters set out in any or more of the foregoing subparagraphs of this clause 10.
  11. Pru Life UK is the owner of the trade and service marks displayed on PRUShoppe. These trade and service marks may only be used or reproduced with prior written consent from Pru Life UK and may not be used in connection with any product or service that is not Pru Life UK's in any manner or that disparages or discredits Pru Life UK. All other trade and service marks that appear on PRUShoppe are the property of their respective owners, who may or may not be affiliated with or connected to Pru Life UK. PRUShoppe is protected by copyright as a collective work and/or compilation, pursuant to international copyright laws and international conventions and is the exclusive property of Pru Life UK. The contents of PRUShoppe are only for my personal, non-commercial internal use. All materials contained in PRUShoppe (such as text, graphics, logos, buttons, icons, images, audio clips, digital downloads, data compilations and software) are protected by copyright, and are owned or controlled by Pru Life UK or the party credited as the provider of such materials. I agree to abide by any and all additional copyright notices, information, or restrictions contained in any such materials on PRUShoppe.
  12. I recognize that my use of PRUShoppe may involve transmission of information to me that may be considered personal financial information. I consent to the transmission by electronic means of such information through PRUShoppe; such consent shall be effective at all times that I use PRUShoppe.
  13. By my (i) use and/or continued use of PRUShoppe, or (ii) access and use of the products and services provided through PRUShoppe I signify my agreement to indemnify and to keep Pru Life UK, its directors, employees, nominees, agents and independent contractors fully and effectively indemnified against all actions, liabilities, costs, claims, losses, damages, proceedings and/or expenses (including all legal costs on an indemnity basis) suffered or incurred by Pru Life UK including, but not limited to, in connection with or arising from:
    1. my use of PRUShoppe;
    2. any unauthorized instructions that might be transmitted through PRUShoppe or any instructions, which are incomplete, inaccurate, or garbled;
    3. any breach or non-observance of any of these terms and conditions by me; and/or
    4. the use of devices (including use of the devices by third parties) and/or any digital certificate whether authorized or not or arising from my negligence, misconduct, or breach of any terms of this Agreement.
  14. If any provision of this Agreement is declared invalid by any tribunal or competent authority, then such provision shall be deemed automatically adjusted to conform to the requirements for validity as declared at such time and as so adjusted shall be deemed a provision of this Agreement as though originally included. If the provision invalidated is of such nature that it cannot be adjusted, the provision shall be deemed deleted upon this Agreement as though the provision had never been included, in either case, the remaining provisions of this Agreement shall remain in full force and effect.
  15. PRUShoppe may provide links to third-party websites. My use of any third-party websites is at my sole risk. Pru Life UK are not responsible for examining or evaluating the content or accuracy of any third-party websites and have no liability for any such third-party websites.
  16. The text of this Agreement herein written in the English language is the authentic text and any difficulties and uncertainties in interpretation arising shall be solved by reference to this text and shall prevail over any translation made hereof.