This is the company policies, rules and regulations of JC Premiere Business International, Inc. ("the Company") that would govern the transactions and any business dealings involving the products of the Company, by and among the members, distributors, clients of the Company and such other related matters.
This Company Policy, Rules and Regulations (the "Company Policy") form an integral part of the contract of each distributor with the Company. As such, each Distributor is expected to have read and understood the contents of this Company Policy. Further, each Distributor is required to familiarize himself with the Company Policy as part of his obligations as Distributor of the Company Products.
This Company Policy may be amended, revised or modified in whole or in part without need of consent of the Distributors.
PART I. COMPANY POLICY
I. DEFINITION OF TERMS
This definition of terms applies to all contractual arrangements between the Company and the Distributor as well as in the literature and other product promotional materials, unless the context otherwise requires, the following words or phrases shall have the meaning ascribed to them:
"Applicant" - a person who has expressed his intention to be a distributor of the Products and has filled-out and submitted the duly accomplished Application Form to the Company's authorized agent.
"Application Form" - a form provided by the Company to be filled out by interested Applicant.
"Business Center" - a venue where the Business Center Owner deals business transactions involving the Products, including the holding of seminars, trainings and direct selling of the Products.
"Business Center Owner" - a person contractually authorized by the Company to establish a Business Center for purposes of promoting and selling the Products and conducting seminars and trainings thereat.
"Premiere Sales Opportunity" - this is a seminar conducted by the Company, which is focused on how to get started. This is the marketing plan presentation discussing the Global Package, benefits, Products and compensation plan.
"Company" - means JC Premiere Business International, Inc.
"Confidential Information" - means all information, written or oral, furnished by the Company to the Distributor, whether such information is prepared by or obtained from the Parties, their clients, partners, advisors or otherwise, together with business plans, financial statements, analyses, compilations, Product literature, studies or other documents prepared by and/or received from the Company, its partners, agents, employees or representatives (including without limitation attorneys, accountants, analysts and product advisors) which contain or otherwise reflect such information.
"Crossline or Crosslining" - process of change or changing position of an account from one sales group to another with or without permission of original sales group
"Direct Downline" - one directly invited by a sponsor to avail at least one product package offered by the company to become an independent distributor.
"Independent Distributor/s" - a person who submitted an Application Form, which has been duly evaluated, determined by the Company to be qualified as an independent distributor and whose application has been approved by the Company, which includes Business Center Owner, Training Center Owner, Mobile Stockist and Super Mobile Stockist. It is understood that he is not an agent, employee or legal representative of his/her Sponsor or the company.
"Distributor's Price" - the price of products fixed exclusively for the Distributors.
"Distributor's Online Portal" - this is the website where the Distributors may view, manage and monitor his account and its history and other account information.
"Downline" - a sponsored distributor who eventually formed part of the network of the sponsor or upline, either directly sponsored by the latter or not.
"Mobile Stockist" - any person authorized by the Company to distribute the Products under the Mobile Stockist arrangement who operates with or without permanent place of establishment.
"Product Package" - this is a set of JC Premiere products that should be availed to become an independent distributor of the company. Products included in the package may vary quarterly or semi-annually as part of promotional activities.
"Safety Net" - the safety measure in the Sales Match System, wherein an independent distributor will only be paid for a maximum of ten (10) sales match per day. This mechanism is followed to balance the methods of earning through membership of new independent distributors and direct sales of Products.
"Sales Organization" - this consist of Distributors' organization or Sales Group which incused the entirety of the Ditributors' Dowline.
"Products" - means the items, articles, merchandise and products produced and manufactured under the product label of "JC Premiere" which includes 4Green, Calvit-C, Kape Supremo, Glutafit, Premiere Green Tea, Hi-Life Juice, Organic Barley Juice, Organic Barley Supplement, Organic Spirulina Supplement, Omni White Soap, Omni White Pinkish Cream, Omni White BB Cream, Omni White Cream, Omni White Lotion, Omni White Toner, Shuya Anion Napkin and Panty Liner and such other products as may be introduced or produced by the Company from time to time.
"Sales Group" - a Distributor may have 2 sales groups when he starts his network under one account; the left sales group and the right sales group. For each sales group, the Distributor may have as many Downlines as he can manage.
"Sponsor" - a Distributor who introduces and registers a person to the Company, who eventually becomes a Distributor by virtue of the Company's acceptance of the distributor's application. Sponsors are commonly known as "Direct Uplines". A sponsor is responsible for training and supporting his Downlines in the conduct of business.
"Super Mobile Stockist" - any person authorized by the Company to distribute the Products under the Super Mobile Stockist arrangement who operates with or without permanent place of establishment.
"Suggested Retail Price" - the selling price set for customers.
"Training Center Owner" - a person contractually authorized by the Company to establish a Training Center for purposes of promoting and selling the Products and conducting seminars and trainings thereat.
"Unauthorized Re-sponsoring" - an act by a Distributor of transferring a person from one Distributor's Organization to another, which is strictly prohibited under this Policy.
"5th Pair" - every 5th sales match of the Independent Distributor will be entitled of Php900 worth of Product & 900 Buy 1 Take 1 Privilege
II. APPLICATION AS DISTRIBUTOR
2.1 WHO MAY APPLY. Any natural person at least 18 years of age who has not been convicted of any crime involving moral turpitude may become a Distributor. Any corporation, partnership or association, duly registered with the Securities and Exchange Commission (SEC) or its equivalent and legally authorized to do business in the Philippines may become a Distributor. In all instances, the Applicant must have capacity to enter into a contract in the Philippines and must comply with all the legal requirements under the Philippine laws.
2.2 APPLICATION PROCESS. To become a Distributor, the Applicant must follow the following procedure:
2.2.1 The Applicant must fill out the Application Form.
2.2.2 The Application Form will be evaluated by the Company.
2.2.3 If the Company determines that the Applicant is qualified to become a Distributor, the application will be approved and the Applicant will be informed of such approval. The Company reserves the right to reject or disapprove any application at its sole discretion without need of explaining the reason for such disapproval.
2.2.4 For approved application, the Applicant must purchase at least one (1) Product Package.
2.2.5 The Applicant shall read in full and familiarize himself with the terms and conditions embodied in the Application Form and in this Policy.
2.2.6 Once the Application Form has been accomplished and duly approved, the Applicant signifies his unconditional acceptance of and assent to the terms and conditions contained in the Application Form and this Policy.
2.2.7 The Application Form must be submitted to the Company or its duly authorized representatives. Application Forms not received by the Company shall not be binding to the Company.
2.2.8 The Applicant becomes a full-pledged Distributor upon approval of his Application and completion of the foregoing procedure.
2.2.8 The Applicant becomes a full-pledged Distributor upon approval of his Application and completion of the foregoing procedure.
III. QUALIFICATIONS OF DISTRIBUTORS
3.1 Husband and wife may become individual distributors, however, they should register under the same group such that the husband or the wife can only be an upline or downline of his or her spouse.
3.2 In instances where the spouses have already been previously registered under different groups, each spouse is required to transfer to the Sales Group where the spouse who first joined the Company belongs. The spouses shall be given a period of 30 days to transfer. Pending transfer of the transferring spouse, he/she will not be permitted to have any pending downlines. Failure to transfer of one of the spouses within the period allowed shall give the Company the right to exercise its discretion to protect the interest of the Company.
3.3 The transfer contemplated under Section 3.2 above shall be completed upon the transferring spouse's purchase of another product package from a Sponsor in a group where he/she will transfer.
3.4 The spouses shall not be allowed to register under Sponsors from different groups. Any downline created in violation of this rule shall be forfeited.
3.5 Partnerships, corporations or associations duly organized and recognized under Philippine laws may become a Distributor. The said entities must submit a letter of intent to become a distributor together with the appropriate Secretary's Certificate (for corporations) authorizing the filing of Application, designation of the authorized representative for purposes of such application and authorizing the submission of pertinent documents as may be required by the Company.
IV. PRIVILEGES OF DISTRIBUTORS
4.1 As a distributor of the Company Products, the Distributor shall be authorized to engage into direct selling of the Products.
4.2 As direct seller of the Products, the Distributor shall be entitled to receive corresponding compensation, rebates, commissions and such other privileges as may be determined by the Company from time to time.
4.3 Privileges granted under this Section III shall automatically cease to exist at the precise moment of the Distributor's termination or revocation of affiliation with the Company.
5.1 The Sponsor shall be responsible for their direct downlines. They shall ensure that their downlines are properly trained and familiar Company and its Products, the terms and conditions of this Company Policy, the Company's Compensation Plan and his obligations, duties and responsibilities as Distributor, which includes, but not limited to the following:
- Ensuring that the downline attends the required trainings and seminars
- Entertaining Products enquiries and clarifications from the downline
- Advising and guiding the downline in respect of marketing and sales strategy
- Updating the downline of new Company issuances and policies
5.2 The Sponsor may extend his sponsoring activities to any country where the Company has presence subject to the approval of the Company. However, Distributors are allowed to purchase Products from any Business Center, Training Center, Mobile Stockist and Super Mobile Stockist.
6.1 Independent Distributors are prohibited from joining any other Direct Selling or multi-level marketing or engage in selling products that are similar to or in competition with the Company's Products.
VII. RELATIONSHIP AND REPRESENTATION
7.1 The Distributors are considered independent contractor for all intents and purposes. It is understood that he is not an agent, employee or legal representative of his/her Sponsor or the Company. The Distributors shall not, in any manner, represent himself as such.
7.2 As no power too bind the Company to any obligation and he shall be solely responsible for all applicable income, sales, social security or other applicable taxes, licenses and fees arising out of his activities as such Independent Distributor.
VIII. MANAGEMENT OF ACCOUNT
8.1 The Distributor shall be responsible for keeping the information in his accounts accurate. The Company has the right to terminate any account that is determined to contain inaccurate information.
8.3 Any account that continues to be inactive in a period of 365 days shall give the Company the right to automatically cancel or terminate such inactive account without need of prior notice to the account holder Distributor.
8.4 Reselling of existing accounts to any person is strictly prohibited regardless of whether the transferee belongs to the same group, crossline, upline, downline, relative or a complete stranger except for Business Center, Training Center, Mobile Stockist, Super Mobile Stockist and Product Packages.
8.5 Changing the registered name of the account, whether active or inactive account, is strictly prohibited.
8.6 The Company may allow the transfer of registration by reason of the Distributor's death. The transfer shall be effected upon the request of the legal heirs of the Distributor subject to the application of Philippine law on succession. The following transfer procedure shall be observed in case of death of the Distributor:
8.6.1 The legal surviving spouse, any legitimate child, or illegitimate child in the absence of legitimate children, parent or sibling in that order, shall write a letter request for the transfer of registration of account of the deceased Distributor.
8.6.2 The letter-request shall be accompanied by certified true copy of death certificate, judicial or extra-judicial settlement of estate of the deceased Distributor, last will and testament (if the account is adjudicated in the will) and proof of relationship between the deceased Distributor and the legal heir.
8.6.3 The letter-request shall state in whose favor the account should be transferred.
8.6.4 The Company shall evaluate the request and may request for additional supporting documents to aid in processing the request.
8.6.5 The transferee shall step-in the rights of the deceased Distributor and assume all his obligations as such Distributor.
IX. PROHIBITED ACTS
9.1 CHANGE OF SPONSOR. Any Distributor is not allowed to change Sponsor under any circumstances. In such instances, the Company has no obligation to honor subsequent registrations and will consider only the first registration as a valid registration.
9.2 INVITATION TO TRANSFER. It is strictly prohibited to engage in any activity that involves the solicitation or invitation of, or otherwise motivating or encouraging any existing Distributors to transfer from one sales group to another in consideration of any kind of offer such as, but not limited to free slots, marketing support, financial support and others.
9.3 SPONSORING ACTIVE MEMBERS. Sponsoring active Distributors from his own sales group or from other groups or crosslines constitutes Unauthorized Re-sponsoring and is strictly prohibited.
9.4 BONUS BUYING. Bonus buying is strictly prohibited. The following acts constitute bonus buying:
- Registration of certain individuals without his/or knowledge and/or accomplishment of Application Form without his/or consent.
- Fraudulent registration of any individual as a Distributor without purchasing any package and without the knowledge and consent of such individual.
- Registration or attempted registration of fictitious or non-existing individual/s as Distributor for purposes of qualifying for bonus, commissions or to avail of any privileges or promotions.
- Any other ways or machinations by which strategic purchases are made to maximize commissions or bonuses when a Distributor does not have a bona-fide use for the Products purchased.
9.5 Commission of any of the prohibited acts enumerated above shall merit proper sanctions, which may include , among others, outright termination of account.
X. INTELLECTUAL PROPERTY AND CONFIDENTIALITY AGREEMENT
10.1 The Distributor recognizes that the Company is the exclusive owner of all the Company's Intellectual Property in the Products. The Distributor shall not challenge Company's ownership of such Intellectual Property and shall not do any act that may have detrimental effect to the Company's Intellectual Property.
10.2 The Independent Distributor undertakes not to use or disclose to any other person or entities any of the Company's Confidential Information and will use only such Confidential Information (as defined in Section 1 hereof) in good faith and subject to any restrictions imposed by the Company as herein contained.
10.3 The Independent Distributor's confidentiality undertaking under this Section shall survive the termination of the Distributor's account with the Company and shall remain in full force and effect perpetually.
XI. TERMINATION OF ACCOUNT
11.1 The Distributor's authorization to distribute the Company's Products and packages is granted perpetually unless terminated voluntarily or involuntarily.
11.2 The Distributor may voluntarily terminate the distributorship upon his submission of written request withdrawing or pulling out his account from the Company. Termination under this clause is effective upon receipt of the written request or on the date stated in such written request.
11.3 The Company shall have the right to terminate the Distributor's account with the Company on the ground of violation of any provisions in this Company Policy, the terms and conditions embodied in the Application Form and the Company's Compensation Plan. Termination under this clause is effective upon actual receipt by the Distributor of the written notice of termination from the Company.
11.4 Distributors whose account has been terminated, whether voluntarily or involuntarily, are prohibited to engage into multi-level marketing or direct selling activities that offer products that are similar to or in competition with the Company's Products within a period of one (1) year from the date of termination.
XII. FAITHFUL COMPLIANCE AND INDEMNITY UNDERTAKING
12.1 The Distributor shall faithfully comply with the Company Policy, Compensation Plan, terms and conditions embodied in the Application Form and the Company's Code of Conduct and Ethical Standards. Any violation of any of such rules and regulations and terms and conditions shall be meted with appropriate sanctions at the sole discretion of the Company depending on the gravity of the violation.
12.2 The Distributor holds the Company free and harmless against any and all claims, demand, liability, loss, cost or expense including but not limited to legal fees, cost of suit that may arise from, relating to or in connection with the Distributor's conduct of business or transactions.
12.3 Any transaction entered into by the Distributor in violation of Company Policy, Compensation Plan, terms and conditions embodied in the Application Form, Company's Code of Conduct and Ethical Standards, the Revised Penal Code of the Philippines, or any other existing Philippine laws, or as may be enacted hereafter, or laws of other territories where the Distributor transacted shall not bind the Company and shall be the sole obligation of the Distributor.
PART II. CODE OF CONDUCT AND ETHICAL STANDARDS
CANON 1. A Distributor shall remain Loyal to the Company.
Being a distributor with the Company goes with it the unbridled loyalty of its members not only to the Company but to its Products and shall faithfully abide by this Company Policy and Code of Conduct and Ethical Standards, as may be revised or updated from time to time.
The Distributors/members shall not join, represent, associate, sponsor, recruit or conspire in any manner to the benefit of any company, group or association who are in competition with the Company, or commit any act that would be disadvantageous to the Company or any of the Products.
CANON 2. A Distributor shall Protect the Company, its Products and Goodwill.
It shall be the duty of the Distributor to protect the Company, its Products and its Goodwill. As such, the Distributor shall not make any written statement or oral remarks that may discredit or disrepute the Company, its officers, directors and employees as well as its Products. In addition to the remedies provided by law, the Company shall have the right to automatically deactivate, cancel or terminate the account/s or membership of any Distributor who violates this provision without need of notice.
Company reputation and goodwill are essential part of its business. To protect the Company's reputation and goodwill, issuing any statement, written or oral, especially those made in multi-media (including but not limited to television, radio, print, social) that tends to defame, malign, discredit or disparage the Products, the Company and its directors, stockholders, officers, employees, agents and other Distributors is strictly prohibited. In addition to the remedies provided by law, the Company shall have the right to automatically deactivate, cancel or terminate the account/s or membership of any Distributor who violates this provision without need of notice.
CANON 3. A Distributor shall be Honest in All its Dealings
Distributors shall, at all times, observe decency and uphold high moral standards in its business dealings within the Company premises and in all its dealings relative to the Products.
Distributors/members are expected to conduct its business dealings with utmost professionalism. They shall not make any false statements, misrepresentation, exaggeration, disinformation, unrealistic and vain promises, or introduce products or services that are not among the products of the Company.
CANON 4. A Distributor shall Treat Fellow Distributors with Respect, Fairness, Candor and Sincerity
The Distributors/members shall, at all times, treat their fellow distributors with highest degree of respect. The following acts, which are not mutually exclusive, are considered disrespectful act which are strictly prohibited:
- Forging signature of another Distributor or making it appear that other Distributor has signed or drawn any document.
- Claiming, reporting or representing that his fellow Distributor has participated or committed an act when he knew that the same is not true.
- Attributing acts to his fellow Distributor when he knows the same to be untrue.
- Making false statements in any written documents such as affidavits, contracts, letters, advertisement materials, etc.
- Altering, modifying, changing or revising any document relative to the Product or the Company without the written consent of the author thereof.
- Issuing any certification or document that contains false or inaccurate information.
- Commission of any dishonest act in its dealings concerning the Product or the Company.
Distributors shall not interfere with any business dealings of his fellow distributors. Distributors shall not convince or encourage any person to change sponsorship when they have been previously recruited by other distributors.
The following penalties shall be imposed for every act committed by the Distributor that constitutes disrespect or dishonesty:
- First Offense - deactivation for a period of 30 days of ALL accounts of the errant Distributor with forfeiture of all benefits and privileges in favor of the Company accruing from the date of commission of an act constituting disrespect or dishonesty.
- Second Offense - deactivation for a period of 180 days of ALL accounts of the errant Distributor with forfeiture of all benefits and privileges in favor of the Company accruing from the date of commission of an act constituting disrespect or dishonesty.
- Third Offense - perpetual deactivation of ALL accounts of the errant Distributor with forfeiture of all benefits and privileges in favor of the Company accruing from the date of commission of an act constituting disrespect or dishonesty.
The Company, in the exercise of its discretion, reserves its right to terminate/deactivate/cancel the membership and/or accounts of the Distributor for a violation of any provisions of this Company Policy.
CANON 5. No Fraudulent Activities
The Company strictly prohibits any commission of fraudulent acts or false pretenses towards the Company itself, its Products, fellow distributors and the public in general. In addition to those provided by the Revised Penal Code, the following acts constitute fraudulent activities:
- Using fictitious name or dummy, or employing other means for purposes of advancing personal gains or benefit.
- Incurring obligations, monetary or otherwise, and refusing to honor the same.
- Failure to perform any of his obligation as Distributor to the prejudice of another person, the Company or his fellow Distributor.
- Soliciting fund from persons who purport to be investors.
- Failure to remit any legitimate sales to the Company.
- Failure to deliver any Product to any person.
- Unauthorized re-sponsoring or transferring to other group except as may be authorized by the Company.
- Giving gifts to any officer or employees of the Company with an aim of receiving a favor or benefit therefrom.
- Altering, changing, modifying or changing the contents, size or composition of the Products or product package.
- Selling any of the products at a price different from the one fixed by the Company. and
- Any act analogous to the foregoing.
Commission of any of the acts enumerated above shall be merit the perpetual deactivation of ALL accounts of the errant Distributor with forfeiture of all benefits and privileges in favor of the Company accruing from the date of commission of an act constituting disrespect or dishonesty.
CANON 6. Penalties
Unless expressly stated otherwise, violation of this Code of Conduct and Ethical Standards shall merit the following:
- First Offense - deactivation for a period of 180 days of ALL accounts of the errant Distributor with forfeiture of all benefits and privileges in favor of the Company accruing from the date of commission of an act constituting disrespect or dishonesty.
- Second Offense - perpetual deactivation of ALL accounts of the errant Distributor with forfeiture of all benefits and privileges in favor of the Company accruing from the date of commission of an act constituting disrespect or dishonesty.
PART III. MARKETING PLAN
Section 1. The Company Business
Section 2. How to Earn
2.1. Retailing - Independent Distributors have the privilege of earning 30% - 70% retail selling profit of the Products to the customers through various channels such as person to person, agents, websites or social media sites, or by any other means as may be permitted in this Company Policy.
2.2. Direct Sales Commission - For every JC Premiere Product Package sold to a sponsored Independent Distributor, the Sponsor is entitled to receive Direct Sales Commission.
2.3. Sales Match Commission - For every sale of JC Premiere Product Package on Independent Distributor's Left Sales Group and Right Sales Group, he/she will be entitled for a Php1,500 Sales Match Commission.
2.4. Leadership Commission - a Independent Distributor shall be entitled to earn a Leadership Commission of Php300 in every Sales Match of his/her sponsored Distributor.
2.5. Uni-level Commission - a Independent Distributor may generate income from the products purchased by his/her direct downline ten levels deep from 10% - 30%.
2.6. Franchise Commission - Independent Distributor shall be entitled to receive an additional amount of Php 5,000 as a bonus for every successful referral of client to JC Worldwide Franchise Inc. Applicable only in the Philippines.
Section 3. Schedule of Payment
Any earnings accruing to the Distributors may be claimed in accordance with the following schedule:
- Cut-Off Time: Every Monday and will be released Friday of the following week
- Uni-level: End of the month of production Cutoff and will be release 15th of the following month
Section 4. Promotions
All marketing promotions initiated by the Company are strictly non-transferrable and non-convertible into cash.
Section 5. Taxation
It is understood that Distributors are not employees, franchisees, parties to a joint-venture or business partners of the Company with regard to the application of existing taxation laws, rules, ordinances or regulations. Distributors shall strictly comply with existing national and local statutes, rules, ordinances or regulations relating to their business transactions and operations. Distributors shall be solely responsible for their own managerial decisions and expenditures as the timely payment of applicable taxes on their earnings.
Furthermore, all income presented in Part III (Marketing Plan) hereof constitutes gross income and exclusive of tax. On each and every payment period, appropriate withholding taxes shall be deducted from any amount the Distributors is due to receive from the Company.
PART IV. THE PRODUCTS
Section 1. No Misrepresentation of Business
The Distributors fully understand that the Company is NOT ENGAGED in an investment scheme. They shall not misrepresent to people that they will earn as INVESTORS just by investing their fund with the Company and earn an interest without need of doing anything other than placing their money as investment with the Company.
Any person who shall commit an act described in the immediately preceding paragraph, directly or indirectly, will de dealt with severely, which includes, but not limited to outright cancellation of ALL accounts of the errant Distributors with forfeiture of any monetary entitlements already earned and damages.
The Company shall not be liable for any transaction entered into by any person in in violation of this Section.
Section 2. Product Sales
2.1 Monthly Maintenance Purchase - At least P1,000 worth of products every month on Distributor's Price.
2.2 Direct Sales
Section 3. Product Refund and Return Policy
3.1 Product policy request for return and exchange of products purchases may be honored if the following conditions are met:
- The request shall be made within five (5) days from the date of purchase.
- Receipt of payment shall be presented together with the request without any alternations in the writings.
- The product is not damaged or destroyed in any way. Packaging is un-opened, with no markings, and not tattered or destroyed.
- All returns products can only be exchanged with other products and not cash.
- All products can be exchange to other products for as long as it is of the same value.
- No returns will be honored if the reason for return is a mere change of mind.
Section 4. Advertising and Use of Intellectual Property Rights
4.1 JC Premiere name, logos, trademarks and copyrights are exclusively owned by JC Premiere Business International, Inc. (the "Company"). Distributors shall not use in advertising, promoting or describing the Products or Marketing Plan of the Company any written, printed, recorded or any other material bearing the intellectual properties of the Company, without the prior written consent of the Company.
4.2 The Distributors shall not make any claim or representation, verbal or otherwise, as to the Products' therapeutic or curative properties, unless otherwise provided in the official literature of the Products.
4.3 Distributors shall not use any media (radio, television, print, billboard, social media) advertising without the prior written approval of the Company.
4.4 Creating a website with the intention of making it appear that the same is the official website of the Company is strictly prohibited.
Section 5. Fairs and Trade Shows
Distributors may join fairs and trade shows showcasing the Products, provided that the Products are not be mixed, sold and displayed together with any other products, specifically those products that are also sold through multi-level marketing.
Section 6. General Provisions
6.1 The Company reserves the right to make waivers and exceptions to the application of this Policy as it may deem proper. Failure or delay by the Company in enforcing any of the provisions in this Policy shall not constitute a waiver of his rights as to those provisions or any other provisions hereof.
7.2 Laws of the Republic of the Philippines shall govern this Policy.
7.3 Should any part of this Policy be considered in contradiction with any existing laws, it shall not render the rest of this Policy null and void.