Last updated: July 2026
These Terms and Conditions govern your use of this website and its associated services operated by Princess Diane Cheng-Dacoro, MBA ("we", "us", or "our") under One Apex Branch/FWD Philippines. By accessing this site or submitting the Practical Life Checkup, 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 — the Practical Life Checkup — that generates a personalized snapshot of your financial and insurance readiness based on the responses you provide.
The results generated by this Checkup are for informational purposes only. They do not constitute financial advice, a formal insurance proposal, or a guarantee of coverage eligibility.
Completing the Checkup and booking a Clarity Call does not obligate you to purchase any insurance product. The Clarity Call is provided free of charge as a consultation service. You are under no obligation to proceed with any plan or recommendation.
Your results are calculated based on the responses you provide. You are responsible for ensuring the accuracy of your Checkup answers. We are not liable for results generated from inaccurate or incomplete responses.
Actual coverage recommendations will be determined during the Clarity Call based on a full assessment of your financial situation.
By booking a Clarity 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 Checkup results, appointment, and financial planning services offered by Princess Diane Cheng-Dacoro, MBA.
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 Checkup structure — is the property of Princess Diane Cheng-Dacoro, MBA. 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 Checkup 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 Princess Diane Cheng-Dacoro, MBA through her official communication channels under One Apex Branch/FWD Philippines.