TERMS & CONDITIONS
Effective Date: Dec 6, 2025
Website: https://www.davidangway.com
Welcome to DavidAngway.com (“we,” “our,” “us”). By using this website, you agree to the following Terms & Conditions. If you do not agree, please stop using the 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
All content is provided solely for general educational and informational purposes. This website does not constitute or substitute for professional financial, legal, tax, or investment advice. Please consult a qualified professional for advice tailored to your specific situation.
2. Professional & Organizational Disclaimer
Content on this website and related channels 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
The information on this website, regardless of any credentials displayed, does not establish or imply a financial advisor–client or planner–client relationship between you and David Isaiah Angway.
Suitability assessments for investments are only done during formal, documented consultations. They are not provided through website content or social media.
Investing has risks, including possible loss of capital. Past performance does not guarantee future results.
We shall not be liable for any loss, damages, or consequences, direct or indirect, resulting from your reliance upon information provided by this website or affiliated channels.
3. Personal Views Only (No Official Sun Life or RFP Position)
All opinions, views, and analyses on this website and associated platforms reflect the personal views of David Isaiah Angway.
They do not reflect the official position, opinion, policy, or endorsement of:
Sun Life of Canada (Philippines), Inc., or any of its affiliates
Registered Financial Planner (RFP) Philippines, or any professional group David belongs to
Any past, present, or future employer, partner, or institution
Any reference to companies, brands, products, or services is made exclusively in a personal and educational capacity, and shall not be construed as an official statement, representation, or endorsement from Sun Life, RFP Philippines, or any institution mentioned herein.
4. No Automatic Client–Advisor Relationship
Accessing the website or its content does not create a financial planner–client relationship.
You are considered a client only when:
We have both expressly agreed to work together, and
You must complete and sign all required forms and agreements with us and relevant institutions.
Until such time, all information provided is general in nature and shall not be relied upon as individualized advice.
5. User Responsibilities
By using this website, you agree:
Not to copy, scrape, or republish content without permission.
Not to use the website for illegal, fraudulent, or malicious activities.
Not to upload or transmit harmful code, bots, or spam.
To provide accurate and truthful information when interacting with forms, booking pages, or contact sections
We reserve the right, at our discretion, to block, restrict, or ban users who misuse or abuse the website.
6. Intellectual Property Rights
Unless otherwise stated, all content on DavidAngway.com — including but not limited to:
Articles and blog posts
Videos and audio content
Images and graphics
Branding assets
Frameworks, tools, and models
Course and training materials
Logos, marks, and trademarks
All content is owned by David Angway or used with permission unless stated otherwise.
You are prohibited from:
Reproducing content without explicit permission
Republishing content on other sites or platforms
Selling, licensing, or leasing any content
Redistributing website material as if it were your own
Written permission for limited use must be requested by contacting us.
7. Comments, Posts & User-Generated Content
Users may post comments or opinions in designated areas (e.g., blog comments, feedback forms, community sections).
By posting content, you agree that:
You own or control the rights to the content you submit.
Your posts do not violate any intellectual property or privacy rights.
Your posts do not contain defamatory, obscene, hateful, or harmful content.
Your posts will not be used for spamming, solicitation, or unlawful activities.
We reserve the right to remove any comment or content that violates these Terms or is deemed inappropriate, at our sole discretion.
By posting, you grant DavidAngway.com the right to use, edit, and publish your content anywhere, royalty-free.
8. External Links Disclaimer
Our website may contain links to third-party websites or resources.
We are not responsible for:
The content on those sites
Their accuracy, completeness, or reliability
Their privacy policies or practices
Any losses or damages that may arise from your use of those external sites
You access third-party links at your own risk, and we disclaim any responsibility for damages or consequences resulting from such access.
9. Limitation of Liability
To the fullest extent allowed by law, we will not be liable for:
Loss of profits, income, or revenue
Financial or investment losses
Business interruption or opportunity loss
Errors, inaccuracies, or omissions in content
Decisions made or actions taken based on website content
Any direct, indirect, incidental, consequential, or special damages
Your use of this website and reliance on its content is entirely at your own risk, and we expressly disclaim all liability to the fullest extent permitted by law.
10. Reservation of Rights
We reserve the right to:
Request the removal of links to our website.
We may change these Terms & Conditions at any time without notice.
Remove harmful, abusive, or inappropriate comments or content.
Block or restrict access to users who violate these Terms or misuse the site
If you keep using the website after changes, you accept the updated Terms.
11. Privacy & Data Collection
This website processes data in accordance with our Privacy Policy and Cookie Policy.
We may collect:
Basic analytics via tools such as Google Analytics 4 (GA4) and Google Tag Manager (GTM)
Cookies (functional, analytics, and, where applicable, advertising)
We may collect user information from forms, inquiries, bookings, and email subscriptions.
We do not sell your personal data.
Where applicable, you may request:
Access to your personal data
Correction or modification of your data
Deletion of your data
Limitations on processing
subject to legal and regulatory requirements.
12. Cookie Policy Summary
DavidAngway.com uses cookies to enhance the user experience and to collect insights into website performance. These include:
Essential cookies
For core site functionality, security, and forms.
Analytics cookies
Used by GA4, GTM, or similar tools to understand traffic and usage patterns.
Advertising cookies
Used only when advertising platforms (e.g., AdSense or other partners) are active.
Your Rights:
You can manage cookies in your browser settings, but doing so may affect site features.
13. Hyperlinking to Our Website
The following organizations may link to our website without prior written approval:
Government agencies
Search engines
News organizations
Online directory distributors
Accredited businesses and professional listings
We may also consider and approve link requests from:
Professional organizations
Educational institutions
Community and non-profit websites
Industry and business associations
You may link using:
Our company name
Our direct URL
Descriptive text that accurately reflects the linked content
You need our written permission to use the David Angway logo or any of our branding.
14. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines.
Any disputes arising from the use of this website are subject to exclusive Philippine court jurisdiction.
15. Termination of Use
We may suspend or terminate your access to the website, without prior notice, if you:
Violate these Terms & Conditions
Abuse or misuse of website features
Engage in fraud, hacking, or attempts to compromise site security.
Use the site in a way that may harm other users or us.
Termination shall not prejudice any other legal remedies to which we are entitled.
16. Removal of Links or Content
If you believe any content or link on our website is:
Harmful
Inaccurate
Infringing on your rights
Otherwise inappropriate
You may contact us with details of your concern.
We will review such requests. Nevertheless, we have no obligation to remove any content or link unless legally compelled to do so.
17. Changes to These Terms
We may update or revise these Terms & Conditions at any time.
Changes take effect upon posting on this page. Your continued use of the website after such changes constitutes your acceptance of the updated Terms.
18. Contact Information
For concerns, complaints, clarifications, or legal matters, you may contact:
© 2025 David Angway