Please review and accept the current CLIENT PULSE Policy Agreement to continue.
Version — · Effective —
Part 1: 15-Day Limited Warranty
1. Overview
JCC Business Solutions ("JCC," "we," "us") provides a 15-calendar-day limited warranty
on each one-time purchase of its digital tools (the "App"). Under this warranty, JCC's
first commitment is to fix confirmed software defects ("Bugs") free of charge.
If, after a genuine good-faith attempt, a confirmed Bug cannot reasonably be fixed, the
Buyer becomes eligible for a full refund of the purchase price for that
App, subject to the exceptions in Section 5(c) below, which mainly cover situations where
the issue was caused by the Buyer's own changes to the Google Sheet or the App itself.
2. Warranty Period
The warranty period begins on the date the App (or access to it) is delivered to the
Buyer, whether by file transfer, shared link, or successful first setup, and ends
fifteen (15) calendar days after that date. The Buyer must report the
issue within this 15-day period for it to be covered. Once a report is timely received,
JCC will continue working toward a resolution (fix, or refund if unfixable) even if that
process extends a few days beyond the 15-day window. Requests first reported after the
15-day period are not covered, though JCC may, at its sole discretion, still choose to
assist.
3. What Is Covered
During the warranty period, JCC will investigate and, where confirmed, correct at no cost any Bug that:
- Causes a core, advertised feature of the App to fail to work as demonstrated or described at the time of purchase;
- Is reproducible by JCC using the App in its standard, supported configuration (hosted on GitHub Pages or an equivalent static host, connected to a correctly configured Google Sheets + Apps Script backend matching the setup guide provided); and
- Is reported by the Buyer with enough detail (see Section 6) for JCC to identify and reproduce the issue.
In short: if a feature that was working at delivery breaks due to an
error in JCC's code, that's covered. If it's something the Buyer's setup, sheet, or
third-party service is doing, that's outside this warranty.
4. What Is Not Covered
This warranty does not cover the items below, and they are not eligible for either a free fix or a refund:
- Issues caused by the Buyer's own configuration, such as incorrect Apps Script deployment settings, mismatched or renamed Google Sheet column headers, missing sheet permissions, or expired or revoked Google account access;
- Changes, outages, or policy updates made by third-party platforms outside JCC's control (Google Sheets, Google Apps Script, GitHub Pages, EmailJS, the Buyer's browser, etc.);
- Modifications made to the App's source code by the Buyer or any third party after delivery;
- New feature requests, design changes, or enhancements not part of the App's advertised functionality at the time of purchase. These are not Bugs;
- Compatibility issues from unsupported browsers or devices (supported: current Chrome, Safari, and Edge, desktop and mobile);
- Data loss or formatting issues originating from the Buyer's own Google Sheet (deleted rows, changed headers, manual edits);
- Problems caused by the Buyer's internet connection, device, or hosting account; or
- Unauthorized resale, redistribution, or use of the App beyond the single-buyer license granted at purchase.
5. Remedy
(a) Primary Remedy: Repair. JCC's first obligation under this warranty
is to use commercially reasonable, good-faith efforts to fix confirmed Bugs (as defined in
Section 3) and deliver a corrected version of the App to the Buyer within a reasonable
time, generally within five (5) to seven (7) business days of confirming the defect,
depending on complexity.
(b) Fallback Remedy: Refund for Unfixable Defects. If, after a genuine
good-faith effort, JCC determines that a confirmed Bug cannot reasonably be resolved, the
Buyer is entitled to a full refund of the purchase price paid for that App, provided none
of the exceptions in Section 5(c) apply.
In short: JCC will always try to fix a genuine Bug first. If it truly
can't be fixed, the Buyer gets their money back, unless the reason it can't be fixed
traces back to changes the Buyer (or someone on the Buyer's behalf) made to the Google
Sheet or the App itself.
(c) Exceptions: When the Refund in Section 5(b) Does Not Apply.
The Buyer is not entitled to a refund under Section 5(b) if the unresolved issue is caused
by, or traceable to, any of the following:
- Any modification, alteration, or customization the Buyer (or a third party on the Buyer's behalf) made to the Google Sheet(s) used by the App, including renamed or deleted columns, changed headers, altered formulas, or restructured tabs;
- Any modification, alteration, or customization the Buyer (or a third party on the Buyer's behalf) made to the App's source code or files after delivery; or
- Any of the circumstances already listed in Section 4 (e.g., third-party platform changes, unsupported browsers, the Buyer's own configuration errors, internet or device issues). Since these do not qualify as a confirmed Bug in the first place, they are not eligible for a fix or a refund under this warranty.
In these cases, JCC may still choose, at its sole discretion, to assist the Buyer.
For example, JCC may offer guidance on restoring the original Sheet structure, but is
under no obligation to do so.
(d) How a Refund Is Processed. Where a refund applies under Section
5(b), JCC will process it to the original payment method or channel used by the Buyer
within a reasonable time after confirming the defect is unfixable. JCC reserves the right
to request that the Buyer confirm removal or discontinued use of the App as a condition
of the refund.
6. How to Request Warranty Support
To request a warranty fix (and, if applicable, a refund under Section 5(b)), the Buyer must, within the 15-day period:
- Contact JCC through jccbusinesssolutions@gmail.com;
- Provide proof of purchase (invoice number, receipt, or payment confirmation);
- Describe the issue in detail, including the steps to reproduce it; and
- If possible, provide a screenshot or screen recording of the issue.
7. Limitation of Liability
To the fullest extent permitted by law, JCC's total liability for any claim relating to
the App, whether under this warranty, contract, or otherwise, is limited to the
purchase price actually paid by the Buyer for that App. JCC is not liable for indirect,
incidental, consequential, or special damages, including lost income, lost data, or
business interruption.
8. Single License, No Resale
The App is licensed for use by the individual or business that purchased it. This
warranty is personal to the original Buyer and does not transfer if the App is resold,
shared, or distributed to a third party.
9. Changes to This Policy
JCC may update this warranty policy for future purchases. Changes will not apply
retroactively to purchases already made before the update.
10. Governing Law
This warranty is governed by the laws of the Republic of the Philippines. Nothing in
this policy is intended to waive any right that cannot be waived under Philippine law,
including applicable provisions of the Civil Code and the Consumer Act of the
Philippines (Republic Act No. 7394), to the extent such laws apply to the transaction.
Part 2: Data Privacy Policy
1. Who This Policy Is For
Client Pulse is a software application developed and licensed by JCC Business Solutions
("JCC," "we," "us") for financial advisors ("Advisor," "you") to help manage client
premium due reminders, birthday greetings, and related client-servicing activities. This
policy applies to Advisors who use Client Pulse and explains how personal information may
be handled in connection with the application. For purposes of this policy, "Client Data"
means personal information relating to the Advisor's own clients that the Advisor chooses
to enter into or use with Client Pulse.
2. Roles and Responsibilities Under the Data Privacy Act
The Advisor generally determines which clients are entered into Client Pulse, what
information is used, why the information is processed, and how the Advisor communicates
with those clients. Accordingly, the Advisor is generally responsible for determining and
maintaining the appropriate lawful basis for processing Client Data and for complying with
applicable privacy laws, company policies, contractual obligations, and client-facing
requirements.
JCC is primarily a software provider. Client Pulse is designed so that JCC does not
ordinarily receive, store, or directly access the Advisor's Client Data during normal
operation. However, the legal classification of a party under the Data Privacy Act
depends on the actual nature of the processing activity. If JCC actually receives or
processes personal information in a particular circumstance, JCC will handle that
information only for the legitimate purpose for which it was provided and in accordance
with applicable data privacy requirements.
3. How Client Pulse Actually Handles Data
This is the part most Advisors want to understand clearly, so here it is in plain terms:
- Client Pulse runs as a web application inside the Advisor's own browser.
- The Advisor creates and controls their own Google Sheet, using their own Google account, as the application's client database.
- The Advisor deploys their own Google Apps Script (a small backend program) under their own Google account. This is what actually stores and retrieves Client Data such as names, policy numbers, premium amounts, due dates, contact numbers, and birthdays.
- The Client Pulse frontend communicates directly with the Advisor's own Apps Script deployment and Google Sheet, rather than routing the Advisor's Client Data through a JCC-operated central database.
- JCC does not maintain a central database containing the Advisor's Client Data as part of normal operation, does not require the Advisor to upload their complete client database to JCC, and does not require the Advisor's Google password.
The key point: Client Pulse is designed so that the Advisor does not need
to upload their client database to JCC Business Solutions. JCC does not ordinarily
receive, store, or directly access the Advisor's Client Data during normal operation.
During normal operation, Client Data remains within the Advisor's Google environment,
subject to Google's own services, infrastructure, and policies, and the Advisor's own
account and security settings. This does not mean Client Data can never leave the
Advisor's Google account — third-party services and communication tools the Advisor
configures may process certain information depending on the Advisor's own setup.
4. What JCC Does Not Ordinarily Collect or Access
During normal operation, JCC does not ordinarily receive or maintain a copy of the Advisor's:
- Client names
- Policy numbers
- Premium or amount due information
- Client contact numbers, email addresses, or home addresses
- Birthdates or other Client Data entered into the Advisor's own Google Sheet
These types of Client Data are not ordinarily collected or stored by JCC as part of the
normal operation of Client Pulse. This section describes how the app ordinarily operates;
Section 6 explains the limited circumstances in which incidental access may occur.
5. What JCC May Collect
JCC may collect limited information about the Advisor as a customer or user of the software, such as:
- Advisor name, email address, and contact details;
- Purchase or subscription information and payment confirmation or transaction reference details, which the Advisor provides directly;
- Information voluntarily provided in customer support communications;
- Information reasonably necessary to provide technical support or administer the software license.
JCC will not intentionally use Advisor information or Client Data for unrelated purposes,
including selling personal information, profiling clients, or marketing to the Advisor's
clients.
6. Data Minimization
Client Pulse is designed around data minimization. Advisors should only enter information
reasonably necessary for the intended client-servicing functions of the application, and
should avoid entering unnecessary sensitive or unrelated information.
- Advisors should NOT enter passwords, authentication credentials, security codes, or other authentication secrets into Client Pulse;
- Advisors should avoid entering unnecessary health information, financial information, government identification numbers, or other sensitive information unless genuinely necessary for the Advisor's legitimate workflow and permitted by applicable law and organizational policy.
7. Technical Support and Incidental Access
JCC does not ordinarily require access to an Advisor's Client Data in order to provide
Client Pulse. If an Advisor voluntarily provides a screenshot, screen recording, sample
export, error message, log, or other material for technical support, that material may
incidentally contain limited Client Data. Advisors are strongly encouraged to remove
client names, mask policy numbers and contact numbers, remove unnecessary financial
information, redact sensitive personal information, and use test or anonymized data
whenever reasonably practicable when sharing material for support.
JCC will use any Client Data voluntarily provided during technical support only for the specific support, troubleshooting, security, or maintenance purpose for which it was provided. JCC will not:
- sell the information;
- use it for advertising or profiling;
- use it to build a separate client database;
- disclose it to unrelated third parties; or
- use it for a purpose unrelated to the support request.
JCC will restrict access to voluntarily provided support information to persons who
reasonably need it for the relevant support or security purpose, and will retain it only
for as long as reasonably necessary, subject to legitimate legal, contractual, or
recordkeeping requirements.
8. Data Security
Client Pulse is designed to minimize JCC's direct exposure to Client Data. JCC maintains
reasonable and appropriate technical and organizational safeguards for the systems and
information under JCC's control, which may include HTTPS/TLS connections, controlled
access to JCC systems, reasonable source-code access controls, secure coding practices,
minimizing unnecessary collection of personal information, avoiding intentional storage of
Client Data on JCC-controlled infrastructure, avoiding unnecessary inclusion of personal
information in application logs, and reasonable vulnerability identification, remediation,
and incident response procedures.
The Advisor is responsible for securing the Google environment used for their Client Data,
including their Google account, passwords, multi-factor authentication, device security,
and Google Sheet sharing permissions. JCC cannot guarantee the security of third-party
infrastructure, or of the Advisor's own devices, networks, Google account, or third-party
services.
9. Security Incidents and Personal Data Breaches
JCC maintains reasonable procedures for identifying, assessing, containing, investigating,
documenting, and mitigating security incidents involving systems or information under
JCC's control. If JCC becomes aware of an actual or reasonably suspected security incident
involving Client Data that JCC has received or processed, JCC will assess the nature and
scope of the incident, take reasonable steps to contain and mitigate it, investigate
relevant technical circumstances, document material facts and remedial actions, notify the
affected Advisor as appropriate, and reasonably cooperate with the Advisor where required
by applicable law or contractual obligations. Any notification, reporting, or cooperation
obligations will be determined based on the nature and circumstances of the incident and
applicable Philippine privacy laws and regulations.
10. Rights of the Advisor's Clients
The Advisor is generally responsible for managing requests and obligations relating to
their client relationships and Client Data, because the Advisor determines the purposes
and means of the relevant client processing. The Advisor is responsible for ensuring there
is an appropriate lawful basis for processing Client Data, and for satisfying applicable
transparency, notice, access, correction, objection, erasure/blocking, and other
data-subject requirements.
If JCC receives a privacy request relating to Client Data that JCC actually holds or
processes, JCC will reasonably cooperate with the Advisor as required by applicable law.
11. Data Retention
JCC does not ordinarily retain the Advisor's Client Data, because Client Data is designed
to remain in the Advisor's own Google environment. The Advisor is responsible for
establishing appropriate retention and deletion practices for Client Data in accordance
with applicable law, company policy, contractual requirements, and legitimate business
purposes.
JCC may retain limited Advisor/customer information necessary for purchase records,
billing, subscription administration, customer support, contractual records, security
purposes, or legal and regulatory obligations. If Client Data is voluntarily provided to
JCC during support, it will be retained only for as long as reasonably necessary for the
stated purpose, subject to legitimate legal or recordkeeping requirements.
12. Third-Party Services Involved
Client Pulse may rely on third-party services selected or configured by the Advisor, or used to deliver the application, including:
- Google Sheets, Google Apps Script, and Google Drive, under the Advisor's own Google account, which may process Client Data;
- GitHub Pages or another static hosting provider, used primarily to deliver the Client Pulse application itself, and not intended to serve as JCC's central Client Data database;
- Email or messaging services the Advisor configures, which may process limited information such as email addresses, telephone numbers, or message content as necessary to deliver the communication.
Third-party services are governed by their own terms, privacy policies, security
practices, and infrastructure. JCC does not control the infrastructure or privacy
practices of third-party providers, and their use by such providers does not by itself
guarantee compliance with any particular law or standard.
13. Organizational and Company Policy Compliance
The Advisor is responsible for ensuring that their use of Client Pulse is permitted under
all applicable company, employer, insurance company, agency, contractual, regulatory, and
data privacy requirements that apply to the Advisor. For Advisors affiliated with a
financial institution, insurance company, agency, or other organization, the Advisor
should obtain any required internal approval before using Client Pulse with organizational
or client information.
Client Pulse is an independent software product developed by JCC Business Solutions. This
policy does not state or imply that any insurance company, agency, or other organization
has approved, endorsed, or authorized Client Pulse, or that Client Pulse is compliant with
any particular organization's internal requirements, unless actual written authorization
exists.
14. Children's Data
Client Pulse is not specifically designed for the collection or management of children's
personal data. Advisors should avoid entering information relating to minors unless such
processing is necessary, lawful, and permitted under applicable organizational policies.
15. Changes to This Policy
JCC may update this policy to reflect changes in Client Pulse, in applicable law, in
National Privacy Commission guidance, in security practices, or in third-party services.
Material changes will be reflected by an updated effective date and, where applicable, an
updated agreement version number. Changes will not be represented as retroactively
removing any right or obligation that cannot legally be waived.
16. Governing Law
This policy is governed by the laws of the Republic of the Philippines, including
Republic Act No. 10173 (Data Privacy Act of 2012), its Implementing Rules and
Regulations, and applicable issuances of the National Privacy Commission. Nothing in this
policy is intended to waive any right, remedy, or obligation that cannot lawfully be
waived under Philippine law.
17. Contact
Questions about Client Pulse as software, privacy questions concerning JCC-controlled
information, security concerns, technical support, and privacy-related communications
concerning information actually received by JCC may be sent to
jccbusinesssolutions@gmail.com. Questions about how a specific Advisor is
handling a particular client's personal data should generally be directed to that
Advisor, since the Advisor is responsible for that client's information under the Data
Privacy Act.
This policy describes the privacy and security practices of Client Pulse and does not
constitute legal advice. Advisors remain responsible for determining their own
obligations under applicable law and organizational policies.