Terms of Service

1. Acceptance of Terms

By accessing or using crux-consultant.com (the "Site"), you agree to these Terms of Service. Crux Consultants Ph ("Crux", "we", "us", "our") is a licensed insurance agency operating as an AXA Philippines partner under the Tan Dynasty Constellation Group, located at Castle Peak Hotel, F. Cabahug St., Cebu City, 6000, Philippines. If you do not agree to these terms, please do not use the Site.

2. Informational Content Only

Articles, guides, calculators, and FAQ content on this Site (including the blog, coverage gap calculator, and product estimators) are provided for general informational purposes only. They do not constitute personalized financial or insurance advice, and figures shown (such as estimated coverage costs or gap calculations) are illustrative estimates, not binding quotes. An IC-licensed Crux advisor must review your specific situation before any policy recommendation or purchase.

3. No Guarantee of Coverage or Outcome

Nothing on this Site guarantees insurance approval, a specific premium, or claim payout. All policies are subject to underwriting, the terms of the issuing insurer, and applicable Philippine insurance regulations. Product availability and terms may change without notice.

4. Use of the Site

• You may use this Site for lawful, personal, non-commercial purposes related to evaluating or purchasing insurance and financial products through Crux.
• You may not scrape, copy, or republish Site content without written permission.
• You may not attempt to interfere with the Site's normal operation, including the booking system or admin systems.
• Information you submit through forms (booking, budget matcher, contact) must be accurate — false information may delay or invalidate a policy application.

5. Intellectual Property

All text, design, logos, and original content on this Site are the property of Crux Consultants Ph unless otherwise credited. Third-party product names and referral links (e.g. AXA Smart Traveller) remain the property of their respective owners.

6. Third-Party Links

This Site may link to third-party resources — insurer referral pages, government sites (e.g. PhilHealth, the Insurance Commission), or informational sources. Crux is not responsible for the content or availability of external sites.

7. Limitation of Liability

To the fullest extent permitted by Philippine law, Crux Consultants Ph is not liable for any decision made solely on the basis of Site content without a direct consultation with a licensed advisor, nor for interruptions, errors, or inaccuracies in Site content.

8. Governing Law

These Terms are governed by the laws of the Republic of the Philippines, including applicable regulations of the Insurance Commission under Republic Act 10607. Any dispute arising from use of this Site will be subject to the jurisdiction of the courts of Cebu City.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Contact

For questions about these Terms: info@crux-consultant.com | +63 917 596 5486 | Castle Peak Hotel, F. Cabahug St., Cebu City, Philippines 6000.