Terms and Disclaimers
Please read these terms before relying on website content or submitting an inquiry.
General information only
Website content, Financial Check results, calculators, and Financial Buddy responses are for general education, marketing, inquiry coordination, lead qualification, and recruitment information. They are not a policy contract, guarantee of coverage, legal advice, tax advice, medical advice, investment advice, or personalized financial recommendation.
Financial Check limitations
The Quick Financial Clarity Test uses a simplified fixed scoring method. Its indicative protection starting point equals five years of the monthly support you declare plus the outstanding debt you declare. It does not calculate a complete insurance need, premium, official rate, benefit, eligibility, or provider approval. Results depend on the accuracy and completeness of the answers entered. A formal financial-needs analysis and official provider documents are still required before any application or personalized recommendation.
Provider terms control
Insurance and HMO availability, premiums, benefits, exclusions, waiting periods, underwriting, approval, and claims are governed by the authorized provider’s official documents and applicable regulations. Official documents control if website content differs.
Quotation and appointment requests
A submitted Financial Check, form, or booking is only a request. It does not create insurance coverage, confirm an appointment, bind an insurer, reserve a rate, or guarantee approval.
Recruitment notice
Submitting a career application does not guarantee hiring, appointment, licensing, income, or business results. Applicants may need to complete screening, training, examinations, licensing, compliance, and provider requirements.
Personal advisor website and trademarks
This website represents Maria Lourdes “Malou” Nunag as an individual advisor and agency leader. It is not the official corporate website of Pru Life UK, PhilCare, Maxicare, or any other insurer or HMO provider. Company names, logos, materials, and trademarks belong to their respective owners and are used subject to applicable authorization.
AI assistant limitations
Financial Buddy is automated and may make mistakes. It does not represent a final quotation, policy interpretation, provider approval, professional recommendation, hiring decision, or guarantee. Verify important details directly with Malou and the relevant authorized provider.
Acceptable use
Visitors must not submit false information, sensitive credentials, government IDs, medical records, malicious files, automated spam, illegal content, or attempts to disrupt the website or access restricted data.
Intellectual property
Original website text, layout, CMS customization, and branding elements are protected by applicable intellectual property rights. Provider materials and uploaded client images remain subject to their respective rights and permissions.
Limitation
Reasonable care is taken to keep content useful and accurate, but the website owner does not warrant uninterrupted availability or completeness. Verify time-sensitive details directly before making decisions.
Contact
Questions may be sent to mlcnunag@gmail.com.
