Terms and Disclaimers
Please read these terms before relying on website content or submitting an inquiry.
General information only
Website content and Financial Buddy Assistant responses are for general education, marketing, inquiry coordination, lead qualification, and recruitment information. It is not a policy contract, guarantee of coverage, legal advice, tax advice, medical advice, or a personalized financial 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. Any inconsistency must be resolved using those official documents.
Quotation and appointment requests
A submitted form 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
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, Maxicare, PhilCare, or any other insurer/HMO provider. Trademarks and provider names belong to their respective owners.
AI assistant limitations
Financial Buddy is an automated assistant and may make mistakes. It does not represent a final quotation, policy interpretation, provider approval, professional recommendation, hiring decision, or guarantee. Visitors should 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 code 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.