These Terms and Conditions govern your use of this website and its associated services operated by Zhannya S. Singwatt, CPA ("we", "us", or "our") under FWD Life Philippines / One Zenith, Metro Manila.
By accessing this site or submitting the quiz, you agree to be bound by these terms. If you do not agree, please do not use this site.
This website provides a free, quiz-based tool that generates a rough estimate of your ideal life insurance coverage amount. The estimate is based on a standard financial planning formula and the responses you provide.
The coverage estimate generated by this quiz is for informational purposes only. It does not constitute financial advice, a formal insurance proposal, or a guarantee of coverage eligibility.
Completing the quiz and booking a discovery call does not obligate you to purchase any insurance product. The discovery call is provided free of charge as a consultation service. You are under no obligation to proceed with any plan or recommendation.
The coverage estimate is calculated based on the responses you provide. You are responsible for ensuring the accuracy of your quiz answers. We are not liable for estimates generated from inaccurate or incomplete responses.
Actual insurance coverage recommendations will be determined during the discovery call based on a full assessment of your financial situation.
By booking a discovery call, you agree to:
We reserve the right to cancel or reschedule appointments at our discretion with prior notice.
By submitting your information through this site, you consent to receive emails and follow-up communications related to your quiz results, appointment, and financial planning services offered by Zhannya S. Singwatt, CPA.
You may opt out of communications at any time by replying to any email with an unsubscribe request.
All content on this website — including text, design, layout, and quiz structure — is the property of Zhannya S. Singwatt, CPA. You may not reproduce, copy, or distribute any content from this site without prior written permission.
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site, the quiz results, or any decisions made based on information provided herein.
These Terms and Conditions are governed by the laws of the Republic of the Philippines. Any disputes arising from the use of this site shall be subject to the exclusive jurisdiction of the courts of Metro Manila.
We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated date. Continued use of this site after changes are posted constitutes acceptance of the revised terms.
For any questions regarding these Terms and Conditions, please contact Zhannya S. Singwatt, CPA through her official channels under FWD Life Philippines / One Zenith, Metro Manila.