Pacific Cross Philippines (PCPH) owns and operates this website. Hereinafter, “we”, “our” and “us” refer to Pacific Cross and “you” and “your” as customer. By using the Services via our website, you AGREE that you have read, understood, and accepted all these Terms of Service. This will be updated by us from time to time. You should review the agreement periodically to be aware of such modifications, and you’re accessing or using the service constitutes your acceptance of the agreement as it appears at the time of your access or use. We preserve the right to revoke or amend the Services and Terms of Service without prior notice.

If the website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those third-party sites or resources and accept no responsibility for these sites nor their contents nor for any loss or damage that may arise from your use of such third-party sites and resources. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.