“Ginhawa Club is a community-based assistance and solidarity platform. It is NOT an insurance company and does not provide insurance products as defined under the Insurance Code of the Philippines.
All assistance amounts are not guaranteed and depend on member participation, contributions, and fund availability.
This platform does not offer risk transfer, insurance coverage, or contractual guarantees of payout.
Participation is voluntary and at the member’s own discretion and risk.”
TERMS AND CONDITIONS:
1. Nature of the Platform
Ginhawa Club operates as a community-based assistance program designed to provide financial help among members. It is not an insurance provider.
2. All assistance is subject to:
- Availability of funds
- Member contributions
- Internal approval guidelines
- No payout is guaranteed.
3. Waiting Period (Activation)
Members must complete the required waiting period before becoming eligible for assistance.
4. Contribution Requirement
Members must maintain active participation and complete required contributions to remain eligible.
5. Suspension Policy
Accounts may be temporarily suspended if:
- Contributions are missed
- Program rules are violated
- Reactivation may require completion of missed contributions and an additional 30 days waiting period.
6. Voluntary Participation
Joining the platform is voluntary. Members accept all risks associated with participation.
7. No Insurance Relationship
Participation does NOT create:
- Insurance coverage
- Policyholder rights
- Guaranteed benefits
8. Program Changes
The platform reserves the right to modify:
- Assistance amounts
- Rules and policies
- Program structure
