These terms cover how you can use this website (francovillaran.com) and the services I offer through it. By using this site or engaging my services, you're agreeing to these terms.

QUICK SUMMARY: This site is for educational and informational purposes. It's not a contract. Any actual insurance or financial products are issued by a regulated insurance company — not by me personally. Past results aren't guarantees. Take any advice you receive here and run it by a licensed professional before making major decisions.

1. WHO I AM

This website is operated by Mark Franco Villaran ("Franco," "I," or "me"), a licensed financial planner based in Quezon City, Metro Manila, Philippines. I'm affiliated with a regulated life insurance company operating under the supervision of the Insurance Commission of the Philippines.

2. WHAT THIS SITE IS FOR

This website exists to:

- Introduce you to my financial planning services

- Let you take a free financial assessment

- Let you book a complimentary clarity call

- Share educational information about financial planning, insurance, and investing

The site is NOT:

- A source of personalized financial advice (that happens on our call)

- A place to buy insurance or investment products directly

- A substitute for professional tax, legal, or accounting advice

- A guarantee of any specific outcome

3. IMPORTANT DISCLAIMERS

Not a contract of insurance. Nothing on this website constitutes an offer, binding agreement, or contract of insurance. Actual insurance contracts are issued only by the regulated insurer, subject to underwriting, medical review, and approval.

Educational content only. Any financial information, tips, or examples shared on this site, in the assessment, or during our calls are for educational and informational purposes. They don't constitute personalized financial, legal, or tax advice. Your situation is unique — always consult qualified professionals before making big financial decisions.

Past performance is not a predictor. Any reference to investment returns, product performance, or historical outcomes is for illustration only. Actual results will vary. Investment-linked products carry risk and can lose value.

Coverage subject to underwriting. All insurance coverage is subject to the insurer's underwriting review. Premium quotes are indicative. Final coverage, premium, and policy terms are determined by the insurer after you complete a full application.

4. THE ASSESSMENT AND CLARITY CALL

The online assessment and 30-minute clarity call are free and carry no obligation. By completing them, you're not signing up for any product.

During the call:

- I may suggest product categories that could fit your needs

- I'll explain how different plans work

- I may provide indicative illustrations (not binding quotes)

- You're free to walk away without buying anything

If you decide to proceed with a product, I'll guide you through a proper application process with the insurer.

5. YOUR RESPONSIBILITIES

When using this site and engaging with me, you agree to:

- Provide accurate information in the assessment and during our calls

- Disclose any material facts relevant to your financial situation or health

- Review any plan or policy I recommend on your own before deciding

- Ask questions if anything's unclear

- Use the site only for lawful purposes

6. INTELLECTUAL PROPERTY

All content on this site (text, images, design, code) is either owned by me or used under appropriate license. You can share links to my site, but please don't copy or republish my content without permission.

7. EXTERNAL LINKS AND EMBEDDED SERVICES

This site uses embedded services from FunnelPro (for the assessment and calendar), Google (for Meet links), and potentially Meta (for ad tracking). Each of these services has its own terms and privacy policies.

8. LIABILITY LIMITATION

I do my best to provide accurate, helpful information. To the maximum extent allowed by Philippine law, I am not liable for:

- Decisions you make based on general information from this site

- Technical issues (site downtime, broken forms, email delivery failures)

- Third-party service failures (FunnelPro, Google, etc.)

- Indirect, incidental, or consequential damages

This doesn't limit my liability for things that can't be legally excluded.

9. REGULATORY FRAMEWORK

As a licensed financial planner in the Philippines, my activities are regulated under:

- The Insurance Code of the Philippines

- The Insurance Commission's rules and circulars

- The Data Privacy Act of 2012

If you believe I've acted improperly, you can raise concerns with the Insurance Commission at www.insurance.gov.ph

10. CHANGES TO THESE TERMS

I may update these terms occasionally. When I do, I'll update the "Last updated" date at the top.

11. GOVERNING LAW

These terms are governed by the laws of the Republic of the Philippines. Any disputes will be resolved in the appropriate courts of Quezon City, Metro Manila.

12. CONTACT

Questions about these terms? Just reach out:

- Email: [email protected]

- Phone: +63 961 572 8561