Terms & Conditions

Hey — I'm Isa. Before you use this website or book a Conversation Call with me, I want to make sure we're on the same page about what this site is, what I offer, and what you can expect.

These Terms and Conditions govern your use of this website and all services made available through it — including the Coverage Check form and the free Conversation Call. By accessing this site or submitting the form, you agree to these terms. If you don't agree, please don't use the site.

These terms apply to all visitors, users, and anyone who interacts with this website or its forms. They should be read alongside my Privacy Policy, which explains how I handle your personal data.

This website offers the following — all at no cost to you:

Formal insurance applications, policy issuance, premium payments, and claims are handled through each insurer's official channels and are governed by their respective terms and policies.

Isa is a licensed Insurance Advisor regulated by the Insurance Commission of the Philippines, authorized to sell products under the following insurers:

In this capacity, she can:

• Provide personalized insurance needs analysis based on information you share
• Recommend suitable products from FWD Life, Paramount, or AXA Philippines depending on your needs
• Explain policy features, benefits, exclusions, and premium structures in plain language
• Assist you through the application process of the relevant insurer if you decide to proceed
• Provide ongoing support after a policy is issued

Products recommended will be from FWD Life, Paramount (formerly Pacific Cross), or AXA Philippines only, depending on which best fits your situation. Isa does not represent any other insurance company through this platform.

The Conversation Call is a free, no-obligation, 1-on-1 session with Isa designed to help you understand your insurance options and make a confident, informed decision. Here's what you should know:

• It's genuinely free. There is no consultation fee, hidden charge, or payment required to book or attend a Conversation Call.
• No obligation to purchase. Attending a Conversation Call does not commit you to buying any insurance product. You are free to think it over, ask more questions, or decline.
• Scheduling is subject to availability. Isa will reach out within 24–48 hours of your form submission to arrange a mutually convenient time.
• Be honest in your form. The recommendations Isa provides are based entirely on the information you share. Inaccurate or incomplete information may result in unsuitable recommendations — and ultimately, a policy that doesn't serve you well.
• Recording. Conversation Calls may be recorded for quality assurance and compliance purposes. You will be informed before any recording takes place and may decline.

While Isa will do her best to recommend the most suitable product for your situation, insurance coverage is not guaranteed simply by completing the Coverage Check form or attending a Conversation Call.

• All insurance applications are subject to each insurer's underwriting process — FWD Life, Paramount, or AXA Philippines — which may include health declarations, medical evaluations, and other requirements
• Each insurer reserves the right to approve, modify, or decline any application in accordance with their own underwriting guidelines
• Premium amounts discussed during advisory sessions are estimates only and may differ from final premiums issued by the respective insurer
• Policy benefits, exclusions, and terms are defined exclusively in each insurer's official policy contract — not in any communication on this website

By using this website and its services, you agree to the following:

• Provide accurate information. All details submitted in the Coverage Check form must be truthful and complete to the best of your knowledge. Providing false information may result in an unsuitable recommendation or issues with a future insurance application.
• Use the site lawfully. You agree not to use this website for any unlawful purpose or in a way that could harm, disable, or impair the site or its users.
• Respect the advisory relationship. You agree to engage in good faith during the Conversation Call and communications with Isa.
• You are of legal age. By submitting the form, you confirm that you are at least 18 years of age or the legal age of majority in your jurisdiction.
• Respect intellectual property. Content on this site — including copy, design, and form structure — may not be copied, reproduced, or repurposed without written permission.

All content on this website — including but not limited to text, design, layout, graphics, form structure, and the Coverage Check assessment — is the intellectual property of Ma. Isabel Micar Dumandan, unless otherwise attributed.

FWD Life Insurance, Paramount Life & General Insurance (formerly Pacific Cross), and AXA Philippines branding, logos, and trademarks are the respective property of each company and are used by Isa solely in her capacity as a licensed advisor affiliated with each insurer.

You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written permission. For inquiries, contact Isa directly at [email protected].

This website may contain links to third-party platforms including the official websites of FWD Life, Paramount, AXA Philippines, Facebook, and other external resources. These links are provided for your convenience only.

• Isa has no control over the content, privacy practices, or terms of external websites
• Linking to a third-party site does not imply endorsement of its content or policies
• This site uses GoHighLevel as its CRM and form platform. By submitting the form, you acknowledge that your data is processed through GoHighLevel's platform, subject to their data processing terms
• The official websites, products, and communications of FWD Life, Paramount, and AXA Philippines are governed by each company's own terms and policies — not these Terms and Conditions

To the fullest extent permitted by Philippine law, Isa Dumandan shall not be liable for:

• Any loss or damage arising from your reliance on information provided on this website, in emails, or during a Conversation Call — without proceeding to a formal insurance application
• Any decisions made based on the Coverage Snapshot or advisory recommendations that you did not follow up on with a formal application to the relevant insurer
• Technical issues, downtime, or errors on this website or the form platform
• Actions, decisions, or outcomes arising from the underwriting, policy issuance, or claims processes of FWD Life, Paramount, or AXA Philippines — which are entirely under each insurer's jurisdiction
• Inaccurate recommendations resulting from false or incomplete information provided by the user

Isa reserves the right to refuse service, cancel a Conversation Call, or restrict access to this website to any individual who:

• Submits false, misleading, or abusive information through the form or communications
• Engages in harassing, threatening, or inappropriate behavior toward Isa or any associated party
• Attempts to misuse the site, form, or advisory services in any unlawful or harmful manner
• Violates any provision of these Terms and Conditions

You may also choose to withdraw from the advisory relationship at any time by notifying Isa at [email protected]. Your right to withdraw consent over your personal data remains governed by the Privacy Policy.

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

Any dispute arising from the use of this website or the services offered herein shall first be addressed through good-faith communication between you and Isa. If the matter relates to an insurance policy or claim, it shall be referred to FWD Life Insurance Corporation's dispute resolution process and, if necessary, the Insurance Commission of the Philippines.

I may update these Terms and Conditions from time to time — for example, when the scope of services changes, when regulations are updated, or when new features are added to the site.

When changes are made, the "Last Updated" date at the top of this page will be revised. For significant changes, I'll make a reasonable effort to notify you via email if you've shared one with me.

Continued use of this website after changes are posted constitutes your acceptance of the revised terms. If you disagree with any update, please stop using the site and reach out to me directly.

Have a question about these Terms? Something unclear? Just reach out — I'd rather you ask than be confused about something important.