Terms of Use

Welcome to aadan., the personal brand website of Allan Adan, Licensed Financial Advisor with Manulife Philippines under Aetos Financials. By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.

1. Educational content, not financial advice

The articles, tools, calculators, and other materials on this site are provided for general information and education only. They do not constitute financial, insurance, investment, tax, or legal advice, and they do not account for your personal circumstances. Always seek personalised advice from a licensed professional before making any financial decision.

2. No advisory relationship

Using this website, submitting a form, or booking a consultation does not by itself create a client or advisory relationship. A formal relationship begins only when we expressly agree to work together and complete the required documentation.

3. Tools and calculators

The calculators and tools on this site produce estimates only, based on the assumptions and figures you enter. Results are illustrative and are not guarantees, projections, or offers. Actual products, returns, premiums, and outcomes will vary and are subject to the terms of the relevant provider.

4. Insurance & investment products

Any insurance or investment products referenced are issued and governed by their respective providers, including Manulife Philippines, and are subject to those providers' terms, conditions, eligibility requirements, and approval. This website is independent of any insurer's official website.

5. Accuracy of information

I aim to keep the content accurate and current, but I make no warranty that it is complete, error-free, or up to date. Content may change without notice.

6. Acceptable use

You agree to use this site lawfully and not to misuse it — for example, by attempting to disrupt it, access it without authorisation, submit false information, or use it to harass or harm others. Please only submit another person's details (such as in a referral) if you have their permission.

7. Intellectual property

The content, branding, and design of this site are owned by Allan Adan unless otherwise noted, and may not be copied or reused without permission, except for normal personal, non-commercial use.

8. Third-party links

This site may link to third-party websites. I am not responsible for the content, accuracy, or privacy practices of those sites.

9. Limitation of liability

To the fullest extent permitted by law, I am not liable for any loss or damage arising from your use of, or reliance on, this website or its content. You use the site and its tools at your own discretion and risk.

10. Governing law

These Terms are governed by the laws of the Republic of the Philippines.

11. Changes to these terms

I may update these Terms from time to time. The latest version will always be posted here with a revised “Last updated” date.

12. Contact

Questions about these Terms? Reach me at allan_a_adan@manulife.com.ph or +63 948 676 8920.