January 26-28, 2024

Terms and Conditions

Who we are

https://wellnessconfex.com/ (the “Website”) is owned and operated by Health and Wellness Confex (hereafter called “Health and Wellness Confex”).

In the terms and conditions together with the privacy policies hereinafter stated (collectively called “Terms and Conditions”), whenever we use “Health and Wellness Confex”, “us”, “we” and “our”, it refers to Health and Wellness Confex. Corporation, a registered entity of the Securities and Regulations Commission (SEC Reg. No.: ). “You”, “Your” and “User” refers to any person who accesses or uses this Website.

Terms of Use of the Website

By using the site or our services, you hereby agree to be bound by these Terms of Use without limitation. This constitutes a legal agreement between you and Health and Wellness Confex. If you do not intend to be bound by these terms and conditions, you should not access and use the Website.

We reserve the right to modify these Terms of Use at any time, and without prior notice, by posting an amended Terms of Use that is always accessible through the Terms of Use link on this site’s home page. You should scroll to the bottom of this page periodically to review material modifications and their effective dates. Your continued use of this site following our posting of a modification notice or new terms of use on this site will constitute binding acceptance of the modification or new terms of use.

Health and Wellness Confex does not guarantee uninterrupted availability of this Website. You accept that Health and Wellness Confex has the absolute discretion and right, without prior notice or explanation, to deny, suspend or terminate your access to and/or use any of the contents or services of this Website at any time without any prior notice or explanation.

You agree to not invade, extract, download, reproduce and/or display or advertise on any other website or other online service, any information obtained on this Website including, without limitation, any personal data, business or information of other Users, whether that information has been gained by the use of automatic computer code, process, program, robot, spider, data mining, trawling or other software or system used to extract data.

You agree to not disrupt, harm, damage, alter, interfere or impose any unreasonable burden with this Website and/or linked third party websites and to cause inconvenience to other users of this Website.

You agree to comply with all applicable laws of the Republic of the Philippines and any other relevant jurisdiction pertaining to the use of or access to this Website and/or the obtaining of products or services through such use or access.

You agree to be held solely and fully responsible for any harm, loss, claim, demand, liability or expense that we would suffer directly or indirectly as a result of your breach of contract or warranty, willful act or omission, misrepresentation, negligence in connection with, or in association with, your access and/or the use of this Website.

Our Services

Health and Wellness Confex is an online marketplace platform that allows users to search, browse, compare, and purchase different kinds of insurance products and services from third-party insurance companies.

Health and Wellness Confex provides quotations of insurance products that are currently available in the market and publishes the same through this Website. Any information gathered by you or your use of any tools on this Website cannot be considered as an official offer of any insurance product in your favor.

Health and Wellness Confex’s goal is to provide the user with current and updated information on insurance services currently available in the market, covering a wide array of choices. Health and Wellness Confex however does not provide for any form of advice on this Website, be it personal, commercial, or financial. It must be understood that this Website should not be relied upon as an advice or endorsement of any specified products or services. It is the user’s sole responsibility, discretion and decision to select and purchase any product or service, whether it has been featured on this Website or not. The user, in supplying his/her personal information, requests, on the basis of its terms, conditions and exceptions, a quote of the applicable insurance plan from the applicable insurance companies.

The quotations, features, and services available on this Website in relation to the goods and services offered are not indicative of, and cannot be viewed as, a complete description of, or precise coverage of, any specific product and its terms and conditions.

No insurance coverage shall be construed as being bound or in force as a result of providing the personal information or application form to Health and Wellness Confex unless and until the risk has been acknowledged and the confirmation of coverage has been submitted to you either by us or by the relevant insurance provider. Confirmation of insurance may be sent physically on paper and/or solely electronically.

Health and Wellness Confex’s representation of affiliation with any insurance provider or any feature of the latter’s products on this Website, if any, ought not be construed as a recommendation by Health and Wellness Confex to purchase the said provider’s products or services.

General Terms

  1. You represent that you are at least the age of majority. The use of the site and our services is limited to users who are of legal age and possess legal capacity to enter into contracts, except if the same have been temporarily or permanently banned from the site or our services.

  2. You agree to provide only accurate, true, current and complete information. You are solely responsible for, and assume all liability regarding (i) the information and content you provide through your use of the Site and any Services, (ii) the information and content you make available in any manner through the service, and (iii) your interaction with any and all third-parties.

  3. Risk Assumption and Precautions. You assume all risk when using the Services, including but not limited to all of the risks associated with any interactions with third-parties, including but not limited to any insurance providers to which you are matched, referred or provided.

  4. Health and Wellness Confex may not be able to provide matches for every Registered User seeking to use its services.

  5. You agree to not use the Site or Services for any illegal purpose.

  6. You agree to not upload any software that contains viruses or malicious code which may impair or corrupt the site’s data or another user’s devices.

  7. Health and Wellness Confex reserves the right, in our sole discretion, to change, modify, add or remove portions of these Terms.

  8. Health and Wellness Confex reserves the right, in our sole discretion, to change, modify, upgrade, suspend or discontinue the site or any of our services and shall not be liable if the occurrence of the same prevents you from accessing the site or any part of the services.

  9. Health and Wellness Confex reserves the right to monitor and control any activity or content on the site, and may, in our sole discretion, investigate and take action any violation of these terms and conditions, which includes but is not limited to: prevention of access to the site and/or our services, and reporting any suspicious activity to the appropriate authorities.

  10. You agree that Health and Wellness Confex shall be entitled to use or disclose any information or data disclosed by you in accordance with our Privacy Policy. You are entitled to withdraw such consent according to the procedure we may prescribe from time to time.

Your Account

  1. The site contains password-protected and/or other areas which are restricted only to users with accounts. You agree not to attempt to obtain unauthorized access to such parts of this site, or to any other protected information, through any means not intentionally made available by us for your specific use.


  2. By signing up to create an account, you may provide us with a Username and a Password of your own choosing, subject to the guidelines that we may impose to keep your account secure.


  3. Your account is to be used only by you. You may not authorize others to use your account, and you may not assign or otherwise transfer your account to any other person or entity. By using our services, you agree that Health and Wellness Confex is not responsible for third-party access to your account that results from theft or misappropriation of your user name and passwords.


  4. You shall be responsible for the security of your account and for any disclosure or use of your Username and/or Password. Notice should be provided to us as soon as you obtain knowledge or have reason for suspecting that the security or confidentiality of your Username and/or Password has been compromised.

Intellectual Property

You hereby acknowledge and agree that Health and Wellness Confex is the owner of all rights in and to the Site and Services. Applicable laws and regulations protect these proprietary rights. You are permitted to use the site and services only as expressly authorized by these terms. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the site or services or technology.

Third-Party Websites

You agree to accept the risks of using this Website and/or any linked third-party websites. You are exclusively responsible for evaluating and assuming all the risks associated with the use of any contents or services on this Website and/or any linked third-party websites including, without limitation, the reliability, accuracy, completeness or usefulness of any contents or services on or acquired through this Website or any linked third-party websites.

The terms and conditions found on third party websites may not be consistent with the Terms and Conditions for use of this Website. The use of linked third-party websites, and any incidents that may transpire due to the use of said linked third-party websites, is not the responsibility of Health and Wellness Confex. You agree to be solely responsible for any losses or damages incurred by the use of such websites by clicking a third-party website link through this Website.


The information, names, images, pictures, logos and Services provided on the website are provided “AS IS” and on an “AS AVAILABLE” basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

Health and Wellness Confex does not represent or warrant that this site, its products, services, and/or content: (a) will be secure, timely, uninterrupted or error-free or operate in combination with any other hardware, software, system or data, (b) will meet your requirements or expectations, or (c) will be free of viruses or other harmful components.

You agree that any and all insurance products marketed or quoted on this Site are the products of third-party insurers. We make no representations or warranties with respect to such products, except those that were provided to us by the third-party insurers and we accept no liability in connection with such products. All such products are provided to you in accordance with the terms and conditions of the third-party insurance provider who issues such products. Any and all questions, concerns or disputes regarding such products should be raised with the third-party insurance provider providing the same and not with us.

These disclaimers constitute an essential part of this agreement. No purchase or use of the items offered by this site is authorized hereunder except under these disclaimers. If implied warranties may not be disclaimed under applicable law, then any implied warranties are limited in duration to the period required by applicable law. Some states or jurisdictions do not allow limitations on how long an implied warranty may last, so the above limitations may not apply to you.

Limitations of Liability

  1. In no event shall Health and Wellness Confex be liable for any incidental, special, consequential or indirect damages arising out of or relating to the use or inability to use the services, including, without limitation, damages for loss or corruption of data or programs, service interruptions and procurement of substitute services, even if TCB Insurance Agency Inc. knows or has been advised of the possibility of such damages.

  2. Under no circumstances will Health and Wellness Confex’s aggregate liability, in any form of action whatsoever in connection with these terms or the use of the services or site exceed the price paid by you for your purchase.

  3. To the maximum extent permitted by law, in no event shall Health and Wellness Confex be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to your or anyone else’s conduct in connection with the use of the services.

  4. You agree to indemnify, defend and hold harmless Health and Wellness Confex, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable legal fees) relating to or arising out of (i) your use of or inability to use the Site or Services, (ii) any user postings made by you, (iii) your violation of any terms of these Terms or your violation of any rights of a third-party, or (iv) your violation of any applicable laws, rules or regulations. Health and Wellness Confex reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Health and Wellness Confex in asserting any available defenses.

  5. Health and Wellness Confex shall be not responsible for material, content or any other information posted to this site by third parties. Health and Wellness Confex neither guarantees the accuracy or authenticity of such postings nor exercises any editorial control over such posts, nor do we assume any legal obligation for editorial control of content posted by third parties or liability in connection with such postings, including any responsibility or liability to examine or investigate the accuracy of any content or any other information found in such posts.

  6. Health and Wellness Confex shall not be liable for damages due to any delay or failure of delivery arising out of causes beyond our reasonable control and without our concurrent fault or negligence, including, but not limited to, acts of God, acts of civil or military authority, fires, riots, wars, embargoes, internet disruptions, online security breaches, communications failures and other acts constitutive of Force Majeure.


  1. Termination of your account may be done either by you or by Health and Wellness Confex at any time, with or without any reason, effective upon written notice to the other party.

  2. Health and Wellness Confex reserves the right to suspend or terminate your access to the site or the services, without notice, with or without any reason. Where your access to the site or the services was suspended or terminated due to breach of these terms, you agree that all fees that have been paid to Health and Wellness Confex will be nonrefundable and all outstanding balances will immediately become due.

  3. Health and Wellness Confex reserves the right to remove your data from our database at any time at our sole discretion.


  1. Governing law and jurisdiction. These terms, the site, and the services shall be governed under the laws of the Philippines and will be subject to the exclusive jurisdiction and venue of the trial courts within the Philippines.

  2. Non-waiver; remedies cumulative. You acknowledge and agree that any violation of these Terms may cause Health and Wellness Confex irreparable harm, and therefore agree that we will be entitled to seek extraordinary relief in court, including but not limited to temporary restraining orders, preliminary injunctions and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that we may have for a breach of these Terms.