Service: ffide Effective date: To be set on publication Version: 0.1-draft Last updated: To be set on publication
DRAFT — This document has not been reviewed by qualified legal counsel and must not be relied upon as legal advice or as a binding agreement. It is not effective until reviewed, finalised, and published with an effective date.
These Terms of Service (the Terms) form a legal agreement between you (you, your) and BP Labs AU, a sole trader based in Melbourne, Australia (registration in process), trading in the Philippines as Blueprint Labs Business Consultancy Services (registration in process) (BP Labs, we, us, our). The Terms govern your access to and use of the ffide public directory of verified insurance professionals at ffide.com and the related websites, applications, and content we provide as part of the ffide service (collectively, the Service).
These Terms apply to two categories of users:
By creating an account, claiming a profile, submitting a review, clicking I agree (or any equivalent), or otherwise using the Service, you confirm that you have read, understood, and agreed to these Terms and to our Privacy Policy. If you do not agree, you must not use the Service.
If you are using the Service on behalf of a business, partnership, agency, or other legal entity, you represent that you have authority to bind that entity to these Terms, and references to you include both you personally and the entity.
ffide is a public directory of verified insurance professionals licensed with the Philippine Insurance Commission (IC). The Service:
We may add, change, remove, or replace features at any time. Where a change materially reduces the functionality of the Service in a way that adversely affects you, we will provide reasonable notice through the Service or by email.
We may also operate other products in the BP Labs ecosystem from time to time. Those products are governed by their own terms; these Terms apply to ffide only.
A significant portion of the ffide directory is sourced from the public roster published by the Philippine Insurance Commission. This data — including names, license numbers, license types, carrier or agency affiliations, and registration status — is public-record information released by a government regulator.
We make reasonable efforts to publish IC data accurately and to update it as new IC releases become available. However, the IC is the primary source of this data and its accuracy is ultimately the IC's responsibility. If you believe your IC-sourced listing contains an error, you should first contact the IC to correct the underlying record. You may also contact us at privacy@bp-labs.tech and we will update your listing when the corrected IC data becomes available.
If you are a licensed professional listed in the ffide directory and you believe you have a legal ground to request removal of your listing, contact us at legal@bp-labs.tech. We will review your request in good faith and respond within 30 days. We may decline to remove a listing where we determine that the data is accurate public-record information and that our legitimate interest in maintaining a complete and accurate directory outweighs the grounds asserted. Counsel-reviewed criteria for removal will be published when this document is finalised.
You may use the Service only if you can form a legally binding contract with us, and only in compliance with these Terms and applicable law. The Service is not intended for, and you must not use it if you are, under 18 years of age.
Professionals must create an account to claim or manage a profile. You agree to:
Visitors and consumers may search the directory and view public profiles without creating an account. Submitting a review requires providing a valid email address for OTP verification; this does not create a full account but does constitute use of the Service subject to these Terms.
If you are a professional who claims a profile or seeks a higher trust tier on ffide, you represent that:
We are not a regulator, broker, dealer, insurance carrier, or law firm. We do not provide financial, insurance, legal, accounting, tax, or compliance advice. A listing on ffide, and any trust-tier badge, is not an endorsement of a professional's competence, advice, products, or services. Consumers should independently verify a professional's credentials and suitability before engaging their services.
All IC-licensed professionals whose details appear in the IC public roster are listed in ffide at the IC-Listed tier. No action by the professional is required for an IC-Listed entry to appear.
Direct self-claim is not currently available. Professionals who wish to claim their profile and obtain the Leader-Vouched trust tier must be vouched for by an agency leader approved by BP Labs. The process is:
Professionals who cannot access a vouching leader may join the waitlist at ffide.com/reports.
The KYC-Verified tier, which involves identity verification via a third-party KYC provider, is not yet available. We will announce its availability, the conditions for obtaining it, and any associated costs before launch.
Trust tier badges on ffide reflect the level of verification that has been completed. They are informational signals, not guarantees. BP Labs may revoke a trust tier if we determine that the conditions for that tier are no longer met (for example, if a license lapses or a vouch is withdrawn). We will notify the professional where reasonably practicable before a badge is downgraded.
Claiming a profile is permanently free. Optional paid features (if and when introduced) will be announced separately and will be described on the ffide pricing pages. These Terms will be updated accordingly.
Any visitor may submit a review of a professional listed on ffide. To submit a review you must verify your email address via OTP. By submitting a review, you represent and warrant that:
We moderate reviews for compliance with these Terms. We may decline to publish, or may remove, reviews that we reasonably believe are false, defamatory, spam, retaliatory, or otherwise in violation of these Terms. We are not obligated to publish any review. Our moderation decisions are final, subject to any rights you have under applicable law.
Professionals may not directly edit or delete consumer reviews. If you are a professional who believes a published review is false, defamatory, or in violation of these Terms, you may contact us at support@bp-labs.tech to request a moderation review. We will investigate and respond within a reasonable period.
Reviewer email addresses are held confidentially and are not shared with the professional being reviewed or with other visitors to the directory.
You agree not to use the Service to:
We may investigate suspected violations and may suspend or terminate accounts, remove reviews, or remove content engaged in them. Repeated or material violations are grounds for immediate termination without refund.
You retain all rights to the optional profile content you submit or upload to ffide (your Content) — for example, your profile photo, bio, and other data you choose to publish beyond your IC-sourced baseline. Subject only to the licenses you grant under these Terms, nothing in these Terms transfers ownership of your Content to BP Labs.
You grant BP Labs a worldwide, non-exclusive, royalty-free, sub-licensable (only to the limited extent necessary to operate the Service) license to host, copy, store, display, transmit, format, render, and otherwise process your Content for the sole purpose of publishing and operating the ffide directory. This license continues while your Content is on the Service and for a reasonable period afterwards for backups, audit, and dispute-resolution purposes.
By submitting optional profile data (photo, bio, specialisations, contact/booking links, etc.) and by claiming your profile, you acknowledge and consent to that data being displayed publicly on ffide.com to any visitor, including being indexed by search engines. If you wish to remove or update your public profile data, you may do so through your profile management settings or by contacting us.
You represent and warrant that:
We may remove Content that we reasonably believe violates these Terms or the law, or that exposes BP Labs to legal or reputational risk. Where reasonable, we will notify you before doing so.
The Service may link to or interoperate with third-party services, including identity providers, the IC's own systems, KYC verification providers, email delivery providers, infrastructure providers, and analytics providers. We are not responsible for the availability, security, terms, privacy practices, or content of those services. Your use of any third-party service is governed by that service's terms and privacy policy.
If a third-party service ends, changes, or restricts an integration, we may suspend or remove the related ffide feature without liability.
These Terms apply for as long as you have an account or use the Service. Visitor and consumer use of the public directory is subject to these Terms each time you access the Service.
Professionals may close their account at any time by contacting us at support@bp-labs.tech. Closing your account removes your optional profile data and access to profile management. It does not automatically remove your IC-sourced public listing, which reflects public-record data (see Section 2).
We may suspend or terminate your account, with or without notice, if:
On termination by us for cause, we may immediately terminate your access. On termination not caused by your breach, we will give you a reasonable opportunity to export your optional profile data.
The provisions of these Terms that by their nature should survive termination — including Section 2 (regarding IC-sourced data), Section 4 (trust tiers and badges), Section 6 (for past use), Section 7, Section 10, Section 11, Section 12, Section 13, Section 14, and Section 15 — will survive.
In the course of using the Service, you may receive information about BP Labs that is non-public, including technical, product, road-map, security, and pricing information (Confidential Information). You agree to use Confidential Information only to use the Service and not to disclose it to third parties except as required by law.
We use technical and organisational measures designed to protect the Service. Despite these measures, no system is perfectly secure. You are responsible for keeping your sign-in credentials confidential and for the security of the devices and networks you use to access the Service.
The Service, including its software, design, branding, documentation, and other materials we provide (excluding your Content and excluding IC-sourced public-record data, which is owned by the Philippine government), is the property of BP Labs and its licensors and is protected by copyright, trademark, and other intellectual-property laws. Subject to your continued compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the Service for its intended purpose. We reserve all rights not expressly granted.
You may not copy, modify, distribute, sell, lease, sub-license, or create derivative works of the Service or its components except where applicable law expressly permits and cannot be excluded by contract. Bulk extraction of directory data for commercial use is not permitted without our prior written consent.
To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, availability, or error-free operation.
In particular, we do not warrant:
Some jurisdictions, including Australia and the Philippines, prohibit the exclusion of certain warranties or consumer guarantees. Where such warranties or guarantees apply by mandatory law, our liability is limited as permitted by that law.
To the maximum extent permitted by law:
These limitations apply notwithstanding the failure of any limited remedy and form an essential basis of the bargain. Where mandatory law (including the Australian Consumer Law and the Philippine Consumer Act) limits or prohibits these exclusions, our liability is limited as Section 12 describes.
You agree to indemnify, defend, and hold harmless BP Labs and our representatives from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:
We will give you reasonable notice of any indemnified claim, allow you to control the defence with counsel of your choice (subject to our right to participate at our expense), and reasonably co-operate. You may not settle any claim that imposes a non-monetary obligation on BP Labs without our prior written consent.
If you reside in or operate principally from the Philippines, these Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-laws principles, and the courts located in the City of Manila have non-exclusive jurisdiction over any dispute. For all other users, these Terms are governed by the laws of the State of Victoria, Australia, without regard to conflict-of-laws principles, and the courts located in Melbourne, Victoria have non-exclusive jurisdiction over any dispute.
We may, at our option, bring proceedings in the courts of either Australia or the Philippines, regardless of your residence, to enforce these Terms, to recover unpaid amounts, or to obtain injunctive or equitable relief.
Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us at legal@bp-labs.tech with a description of the dispute and the relief you seek. We will attempt to resolve the dispute through good-faith negotiation for 30 days before either party may proceed to formal proceedings.
To the maximum extent permitted by law, you and BP Labs each agree that any dispute will be resolved on an individual basis and not as a plaintiff or class member in any class, collective, consolidated, or representative action.
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top and, where the changes are material, give reasonable advance notice through the Service or by email. Your continued use of the Service after the effective date of the updated Terms means you accept the changes; if you do not accept them, you must stop using the Service.
We will keep prior versions of these Terms available on request.
These Terms, together with our Privacy Policy and any feature-specific terms we present in the Service, are the entire agreement between you and BP Labs concerning the Service and supersede all prior or contemporaneous understandings. In the event of a conflict between these Terms and any other policy or notice we publish, these Terms control unless the other document expressly states otherwise.
Our failure to enforce any provision of these Terms is not a waiver of that provision.
If any provision is held invalid or unenforceable, the remaining provisions continue in full force, and the invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent.
You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may assign these Terms in connection with a corporate transaction, financing, or reorganisation, on notice to you.
Nothing in these Terms creates an agency, partnership, joint venture, employment, franchise, or fiduciary relationship between you and BP Labs. In particular, BP Labs is not a representative, agent, or guarantor of any professional listed in the directory.
Neither party is liable for any failure to perform caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, government action (including any action by the IC that affects the availability of roster data), labour disputes, internet or infrastructure outages, or pandemic.
We may give you notices through the Service, by email to the address associated with your account, or by posting on our marketing pages. You may give us notice at legal@bp-labs.tech.
Headings are for convenience only and do not affect interpretation.
This document is version 0.1-draft — a starting template adapted from the fflo terms of service and prepared for legal review. It is not effective until reviewed by qualified counsel and published with an effective date.