Terms of Service
Last updated: [date to be set at launch]
Agreement
By accessing or using this website, you agree to these Terms of Service. If you do not agree, please do not use the site.
Nature of this website
The content on this website is provided for general information only. It does not constitute personalized financial, tax, legal, or investment advice. Specific recommendations are made only in a personalized Roadmap Session, based on your individual situation.
Financial products
All financial products referenced on this site — including but not limited to HMO coverage, life insurance, and mutual funds — are issued and governed by their respective providers' terms and conditions. Erlwin S. Abanggan — IMG Wealth Academy distributes access to these products through International Marketing Group (IMG) Philippines. Product terms, rates, coverage, and availability are determined solely by the issuing companies.
No guarantee of outcome
Nothing on this site constitutes a guarantee of financial outcome. Past performance of any financial product does not guarantee future results. Any examples, illustrations, or figures shown on this site are for illustration only, unless explicitly stated otherwise.
Intellectual property
All content on this site, including text, illustrations, and design, is the property of Erlwin S. Abanggan — IMG Wealth Academy, unless otherwise noted. You may not reproduce, distribute, or republish content from this site without written permission.
External links
This site may link to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on those sites.
Governing law
These Terms are governed by the laws of the Republic of the Philippines. Any dispute arising out of or relating to these Terms is subject to the exclusive jurisdiction of the courts of Cebu City, Philippines.
Contact
Questions about these Terms may be directed to the contact details on the Contact page.
REVIEW: legal — client to supply final Terms of Service copy for compliance review. This draft reflects the standard structure for a Philippine financial distribution practice and is a starting point, not legal advice.