Terms of Service

These terms govern use of Sentro, operated by [Registered entity]. By creating an account or using the service you agree to them. If you are accepting on behalf of an agency, you confirm you are authorised to bind it.

Sentro is record-keeping and practice-management software for licensed financial advisers. It helps you organise your own client book, policies, appointments and follow-ups.

It is not an insurance intermediary. It does not sell, solicit, quote, negotiate or place insurance, and it is not a party to any policy. Nothing it produces is an offer of insurance or a substitute for the insurer’s own documents. Any needs analysis, projection or figure it displays is an illustration based on assumptions you choose, not advice from us and not a guarantee of any outcome. You remain solely responsible for the advice you give and for your obligations to the Insurance Commission and your principal.

• You are responsible for what happens under your sign-in.
• Do not share credentials. Tell us promptly if you suspect misuse.
• Accounts are for named individuals. An agency’s subscription covers a number of seats, and a seat is one person.
• You must hold whatever licence your regulator requires for the advisory work you do. We do not verify licences.

You own the records you put into Sentro. We claim no ownership of them and do not use them to train anything, market to your clients, or build products. We hold them so that we can provide the service to you.

You may export your data at any time, and you may ask us to return or delete it when you leave.

Where you record information about your clients, you are the personal information controller and we are a personal information processor under the Data Privacy Act of 2012. This section forms the outsourcing agreement the Act requires between us.

We undertake that we will:

• process personal data only on your documented instructions, and for no purpose of our own;
• keep it confidential, and require the same of anyone we permit to access it;
• maintain organisational, physical and technical security measures appropriate to the risk — including encryption in transit, encryption of stored access credentials, hashed passwords, strict per-agency isolation, role-based access and an audit log of changes;
• notify you without undue delay, and in any event within 24 hours of establishing it, of any personal data breach affecting your records, with enough detail for you to meet your own 72-hour obligation to the National Privacy Commission and to affected data subjects;
• assist you in responding to data subjects exercising their rights, and in any privacy impact assessment or NPC enquiry relating to data we hold for you;
• engage sub-processors only for hosting, email delivery and calendar integration as described in our Privacy Notice, under equivalent obligations;
• transfer and store data in Singapore (Southeast Asia), and process outbound email in Tokyo, Japan, remaining accountable for it in both; and
• delete or return your data on termination, at your option.

You undertake that you will:

• obtain the consent or other lawful basis required for the data you record, including the specific consent the Act requires for sensitive personal information such as health details;
• give your clients a privacy notice describing your own processing, and honour their rights as controller;
• record only data you are entitled to hold, and keep it accurate; and
• not use the service to send unsolicited marketing to people who have not agreed to receive it.

• Do not upload malware, or content you have no right to hold.
• Do not attempt to access another agency’s data, or probe for ways to.
• Do not resell or white-label the service without our written agreement.
• Do not import contact lists you obtained unlawfully, including data scraped from a social network in breach of its terms.

Subscriptions are billed in Philippine pesos in advance for the period stated at sign-up. Fees exclude any applicable taxes unless stated. Where a plan is priced per seat, the charge is the number of seats provisioned, not the number used.

We may change pricing with at least 30 days’ notice before it applies to your next renewal.

We work to keep Sentro available and to protect your data with regular backups, but we do not promise uninterrupted service. Maintenance, third-party outages and faults happen. We do not currently offer a contractual uptime guarantee; if you need one, talk to us before subscribing rather than assuming it.

You may cancel at any time, effective at the end of your paid period. We may suspend or end an account for non-payment or for a serious or repeated breach of these terms, with notice where it is reasonable to give it. On termination you have 30 days to export your data before we delete it.

Nothing here limits liability that cannot lawfully be limited. Otherwise, our total liability arising from the service is limited to the fees you paid in the twelve months before the claim, and we are not liable for lost profits, lost business or indirect loss.

In particular, we are not liable for the advice you give, for a policy that lapses, or for a figure you relied on without checking it against the insurer’s own documents.

These terms are governed by the laws of the Republic of the Philippines, and the courts of the Philippines have jurisdiction.

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