Living Wisely provides financial advisory and insurance intermediary services as a licensed agent of FWD Life Insurance Corporation, regulated by the Insurance Commission of the Philippines. All insurance products recommended are underwritten by FWD Life Insurance Corporation. We act as your advisor and intermediary — we do not underwrite or guarantee any insurance product directly.

Our services, materials, and consultations are intended solely for individuals seeking personal financial protection and planning. You may not use any materials, tools, or information we provide for any unlawful purpose or in any manner that violates applicable Philippine law.

Our role is to assess your financial situation, understand your goals, and recommend suitable FWD insurance and financial products. All recommendations are made in good faith based on the information you provide. Final decisions on any financial product are yours to make. We encourage you to read all policy documents carefully before signing.

You are responsible for providing accurate, complete, and truthful information about your health, finances, and personal circumstances. Inaccurate information may affect your policy terms, coverage, or claims. You agree to review all policy documents and disclosures provided to you and to ask questions if anything is unclear.

As a licensed FWD insurance agent, Living Wisely receives commissions from FWD Life Insurance Corporation on policies placed through our practice. These commissions are paid by FWD and do not result in additional charges to you. We are committed to recommending products that are genuinely suitable for your needs, regardless of commission structure.

Insurance products, including investment-linked policies, involve inherent risks. Past performance of any fund or product does not guarantee future results. Projected values in any illustration are not guaranteed unless explicitly stated in your policy contract.

All content, materials, frameworks, and educational resources created by Living Wisely — including financial planning guides, worksheets, and consultation materials — remain our intellectual property. You may use these for your personal financial planning only. You may not reproduce, distribute, or commercialise any of our materials without written consent.

To the extent permitted by Philippine law, Living Wisely's liability is limited to the advisory services provided. We are not liable for decisions made by you based on incomplete information you provided, changes in product terms by FWD Life Insurance Corporation, or market fluctuations affecting investment-linked products. All insurance claims and policy matters are handled directly by FWD Life Insurance Corporation in accordance with your policy contract.

These terms are governed by the laws of the Republic of the Philippines. Any disputes arising from our advisory relationship shall be subject to the jurisdiction of Philippine courts. Complaints regarding insurance products may also be directed to the Insurance Commission of the Philippines.

We reserve the right to update these terms at any time. Changes will be communicated to active clients. Continued engagement with our services constitutes acceptance of updated terms.

We collect personal information you provide directly, including your name, contact details, date of birth, civil status, employment information, financial details, and health information where relevant to insurance applications. We may also collect information through consultations, needs analysis forms, and digital interactions with our platforms.

Your information is collected to assess your financial protection needs, prepare suitable product recommendations, process insurance applications with FWD Life Insurance Corporation, communicate with you about your policies and financial plan, and comply with legal and regulatory obligations.

Under the Philippine Data Privacy Act (RA 10173), we process your personal information based on: (a) your consent — obtained during onboarding and consultation; (b) contractual necessity — to fulfil our advisory services; and (c) legal obligation — as required by the Insurance Commission and applicable Philippine law.

Living Wisely acts as the data controller for personal information collected through our advisory practice. For questions about your data, contact us at: [email protected]

Note: Personal data submitted as part of an insurance application is also processed by FWD Life Insurance Corporation as a separate data controller, subject to FWD's own Privacy Policy.

Your personal information may be shared with FWD Life Insurance Corporation for the purpose of processing insurance applications and managing your policy. It may also be shared with regulatory bodies such as the Insurance Commission where legally required. We do not sell or share your personal data for marketing purposes without your explicit consent.

Health and financial information collected for insurance purposes is classified as sensitive personal information under RA 10173. We apply additional safeguards to this data and only use it for the purposes stated in this policy.

We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, disclosure, or misuse. Access to your data is limited to authorised personnel only.

Under the Philippine Data Privacy Act (RA 10173), you have the right to: be informed about how your data is used, access your personal data we hold, correct inaccurate or outdated information, object to processing in certain circumstances, request erasure or blocking of data, and file a complaint with the National Privacy Commission (NPC) at privacy.gov.ph.

To exercise any of these rights, contact us at [email protected].

We retain your personal information for as long as required to fulfil the purposes outlined in this policy, comply with regulatory requirements, and manage any ongoing insurance policies. Client records are typically retained for a minimum of 5 years in accordance with insurance regulatory requirements.

Our advisory services are designed for adults. Where insurance coverage involves minors (such as child education plans), personal data of minors is collected solely for policy purposes with the explicit consent of a parent or legal guardian.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Significant changes will be communicated to active clients. We encourage you to review this page periodically.

Living Wisely operates as a licensed insurance agent of FWD Life Insurance Corporation, regulated by the Insurance Commission of the Philippines (License No.: 7518937-3080175-700021). We are not an insurance company. All policies are underwritten and administered by FWD Life Insurance Corporation.

Financial planning and insurance advisory involves projections and illustrations that are not guarantees of future results. Investment-linked policies are subject to market risk. The value of your investment may go up or down. We do not guarantee any specific financial outcome, investment return, or wealth accumulation result.

All recommendations made by Living Wisely are advisory in nature and based on the information you provide. They do not constitute a legal, tax, accounting, or investment management service. For tax planning, estate planning, or legal matters, we recommend consulting a qualified professional in those fields.

Product features, premiums, terms, and conditions of FWD insurance products are subject to change by FWD Life Insurance Corporation without prior notice. Always refer to your official policy contract and FWD's current product documentation for accurate details. In case of any conflict between our advisory materials and your official policy document, the policy document prevails.

Any testimonials, success stories, or case studies shared through Living Wisely's platforms represent individual client experiences. They are not guarantees of results. Outcomes vary based on individual circumstances, chosen products, market conditions, and personal financial behaviour.

Content shared through our website, social media, or marketing materials — including financial tips, educational posts, and planning guides — is for general informational purposes only. It does not constitute personalised financial advice. Always consult with us directly for advice tailored to your specific situation.

If you have a complaint about our advisory services, please contact us directly at [email protected].

If your complaint relates to an insurance product or claim, you may also contact FWD Life Insurance Corporation directly or file a complaint with the Insurance Commission of the Philippines at insurancecommission.gov.ph.

We reserve the right to update this disclaimer at any time. Changes take effect upon posting. We encourage you to review this page periodically.