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Pamico Management & Insurance Agency Inc., website newsletters, and mobile services, and any and all materials contained therein, are information services provided by Pamico, the use of which shall be subject to the following terms and conditions.
By accessing the Pamico website information services and their content, you acknowledge and agree that you have read and understood the following terms and conditions and agree to be bound by them.
The terms “we’, “us” and “our” refer to Pamico.
Pamico information services are available for information purposes only. The publication and posting of any content and access to any of the Pamico information services do not constitute, either explicitly or implicitly, any provision of services or products by us. Information concerning Pamico products or services is only available from the relevant Pamico companies.
We reserve the right to update, modify, revise and change all the contents of our website and other Pamico information services. We are not obliged to notify you of any changes made on our Terms and Conditions. However, we will endeavor to regularly update the contents of the website and other Pamico information services.
Your use of the website after such changes shall constitute your acceptance of the revised Terms and Conditions.
All products and services on our website are subject to the terms and conditions of any applicable agreements. In the event of any contradiction between these Terms of Use and the specific product or service conditions, the specific product or service conditions shall prevail.
All terms and conditions of your existing policies shall remain in full force and effect and unchanged by this website.
The content of our website does not constitute an offer by us to sell our products and services. Your request to purchase a product or service represents an offer by you which we may accept or reject on such terms and conditions in force at the time of our acceptance. After you make a request through our website to purchase the product or service, assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.
All applications for a product or service detailed on our website are subject to and must comply with our normal approval criteria and are governed by the normal terms and conditions applying to each product or service requested.
You must ensure that the details and information (especially in relation to payment) that you provide to us are correct and that there are sufficient funds to cover the cost of the product or service.
By using the Pamico information services, you agree, understand, and confirm that the any and all information, including your credit or debit card details, you provide to access Pamico information services or to availing of our any of the services in said services are owned by you or that you have lawful authority to use said information.
We commit that we will not disclose, utilize, and share the said information to any third parties unless required by law, regulation or court order.
We, as a merchant, shall be under no liability whatsoever in respect of any loss or damage resulting directly or indirectly from the decline of authorization by the card issuer for any transaction on account of the cardholder having exceeded the limit mutually agreed by us with our acquiring bank from time to time.
You may conduct certain transactions online through our website. These transactions are not final unless we receive, process, and confirm the transaction.
It is your responsibility to inform us of any change to your personal information and contact details, especially your email address. It is also your responsibility to keep your contact details accurate and capable of receiving communication from us.
Due to technical issues and other matters beyond our control, your confirmation may not be received by us. You acknowledge that to the extent permitted by law, we are not liable to you, in any way, for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an electronic instruction through our website or any failure to receive an electronic instruction for any reason.
The credit card details that you provide to us may be retained after payment is made. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase.
We may refuse to process a transaction at any time and for any reason. To the extent permitted by law, we will not be liable to you or to any third party if we do this.
We may require additional information or verification before accepting a transaction. You agree and acknowledge that you will provide such information.
All transactions are quoted in US Dollar and payable in either Philippine Peso or US Dollar.
For concerns regarding refunds and cancellation of policies, please free to contact our Customer Service Center via phone at  or via email at Please be informed that cancellations will be subject to the specific terms and conditions of the policy sought to be canceled.
We reserve the right to change, modify, add to, or remove sections of these terms of use at any time.
These Terms of Use will be governed by the laws of the Republic of the Philippines and the parties agree to submit to the exclusive jurisdiction of the courts of the Republic of the Philippines.
If you have questions on these terms and conditions, you may contact us through:
Pamico Management & Insurance Agency Inc
Unit 2403 One Corporate Center Building
Dona J. Vargas Ave. Cor. Meralco Ave.
Ortigas Center, Pasig City
Email us at
This Agreement constitutes the entire agreement between you and Pamico with respect to your access and/or use of this website.