TERMS & CONDITIONS

Effective Date: November 2025

Website: https://www.davidangway.com

Welcome to DavidAngway.com (“we,” “our,” “us”). By accessing this website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree, please discontinue using this site immediately.

1. Purpose of the Website

DavidAngway.com provides:

• Financial education and literacy content

• Estate planning insights

• Personal finance and wealth management articles

• Video materials, blogs, and resources

• Booking for consultations and speaking engagements

• Tools, calculators, and general information

This website does not replace professional financial, legal, tax, or investment advice.

2. Professional Disclaimer

The content on this website is for educational and informational purposes only. Nothing here should be interpreted as personalized:

• Financial advice

• Investment advice

• Legal advice

• Tax advice

• Wealth management recommendations

While David Isaiah Angway is a:

• Registered Financial Planner (RFP®)

• Chartered Wealth Advisor (CWA®)

• Certified Trust & Estate Planner (CTEP®)

• Mutual Fund Advisor licensed by the SEC (Philippines)

• Certified UITF Sales Personnel licensed by the BSP

…information on the website does not constitute a financial advisor–client relationship.

Suitability assessments for investments (UITFs, Mutual Funds, VUL, etc.) are only conducted during formal, documented consultations—not through website content or messages.

Investing involves risks, including possible loss of capital. Past performance does not guarantee future results.

We are not liable for any loss, damages, or decisions you make based on information from this website.

3. User Responsibilities

By using this website, you agree:

• Not to copy, scrape, or republish content without permission

• Not to use the website for illegal or malicious activities

• Not to upload harmful code, bots, or spam

• To provide accurate information when interacting with forms or booking pages

We reserve the right to block or ban users engaging in misuse.

4. Intellectual Property Rights

Unless otherwise stated, all content on DavidAngway.com—including:

• Articles

• Videos

• Images

• Branding assets

• Frameworks

• Course materials

• Logos and trademarks

…is owned by David Angway.

You are prohibited from:

• Reproducing content

• Republishing content

• Selling, licensing, or leasing content

• Redistributing website material

You may request written permission for limited use.

5. Comments, Posts & User-Generated Content

Users may post comments or opinions in designated areas.

You agree that:

• You have the rights to the content you post

• Your posts will not violate intellectual property laws

• Your posts will not contain defamatory, obscene, or harmful content

• Your posts will not be used for solicitation or unlawful activities

We have the right to remove any content that violates these terms.

By posting, you grant DavidAngway.com a non-exclusive, worldwide license to use, edit, and reproduce your comments in any form.

6. External Links Disclaimer

Our website may contain links to third-party sites.

We are not responsible for:

• Their content

• Their privacy policies

• Their practices

• Their accuracy

Click external links at your own risk.

7. Limitation of Liability

To the fullest extent allowed by law:

We are not liable for:

• Loss of profits

• Financial losses

• Business interruptions

• Errors or inaccuracies

• Decisions made based on website content

• Direct or indirect damages

You use this site at your own risk.

8. Reservation of Rights

We reserve the right to:

• Request the removal of links to our website

• Modify these terms without notice

• Remove harmful comments or content

• Block malicious or abusive users

Continued use of the site means acceptance of updated Terms & Conditions.

9. Privacy & Data Collection

This website processes data in accordance with our Privacy Policy and Cookie Policy.

We may collect:

• Basic analytics (GA4, GTM)

• Cookies (functional, analytics, advertising)

• User-provided information (forms, appointments, etc.)

We do not sell personal data.

Users may request:

• Access

• Modification

• Deletion

• Limitations of data processing

as applicable.

10. Cookie Policy Summary

DavidAngway.com uses:

Essential cookies

For site functionality, security, and forms.

Analytics cookies

Used by Google Analytics 4 (GA4) and Tag Manager.

Advertising cookies

Used only when AdSense or other partners are active.

Your Rights

You may disable cookies through browser settings.

11. Hyperlinking to Our Website

Approved organizations may link without prior approval:

• Government agencies

• Search engines

• News outlets

• Online directories

• Accredited businesses

We may also consider link requests from:

• Professional organizations

• Educational institutions

• Community websites

• Business associations

You may link using:

• Our company name

• Direct URL

• Descriptive text

Use of the David Angway logo requires prior written consent.

12. Governing Law

These Terms are governed by:

Republic of the Philippines

Any disputes will be handled in the Philippine courts.

13. Termination of Use

We may suspend or terminate access if you:

• Violate these Terms

• Abuse the website

• Engage in fraud or misuse

• Attempt to compromise site security

Termination may occur without notice.

14. Removal of Links or Content

If you find harmful or inappropriate content or links on our website, contact us.

We will review the request, but we are not obligated to remove content.

15. Changes to These Terms

We may update these Terms & Conditions at any time.

Revisions take effect upon posting.

16. Contact Information

For concerns, complaints, or legal matters:

📩 info@davidangway.com

🌐 https://www.davidangway.com