Terms & Conditions

1. Acceptance of Terms

By accessing and using the website of FA Maricel Escobido (operating as Maricel Financial Solutions), you agree to be bound by these Terms and Conditions. If you do not agree to any part of these terms, please discontinue use of this website.

2. Nature of Services

Maricel Escobido is a licensed Financial Advisor and Unit Manager under AIA Philippines, regulated by the Insurance Commission of the Philippines. Services offered include:

• Life and health insurance planning
• Investment-linked insurance products
• Retirement and education fund planning
• Financial needs analysis and advisory

All advisory services are subject to applicable Philippine insurance laws, AIA Philippines product availability, and the specific terms of any policy or plan entered into.

3. No Guarantee of Results

Financial planning involves inherent risks. Information provided on this website and during consultations is for general informational and educational purposes only. Nothing on this website constitutes a guarantee of investment returns, insurance coverage, or specific financial outcomes.

Past performance of any financial product or strategy is not indicative of future results. All recommendations are subject to individual circumstances, product terms, and market conditions.

4. Website Use

You agree to use this website only for lawful purposes and in a manner that does not:

• Infringe on the rights of others
• Transmit spam, malware, or harmful content
• Attempt to gain unauthorized access to any part of our systems
• Misrepresent your identity or affiliation

5. Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is the property of Maricel Financial Solutions or its licensors and is protected under applicable Philippine and international intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written consent.

6. Third-Party Links

This website may contain links to third-party websites (including AIA Philippines, Cal.com, and other platforms). We are not responsible for the content, privacy practices, or accuracy of any third-party site. Accessing those links is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by Philippine law, Maricel Financial Solutions shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein. This includes but is not limited to loss of income, data, or business opportunity.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Bulacan, Philippines.

10. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised "Last updated" date. Continued use of the website after changes constitutes your acceptance of the revised terms.

11. Contact

For questions regarding these Terms, contact us at: