Disclosure Policy

Terms and Conditions

This website, http://www.top-o.com.ph (collectively referred to as the “Site” in these Terms of Service) is owned and operated by Top-O Philippines (“we”, “us”, “Top-O” or "Top-O Philippines"). By using and accessing our Site, you (“you”, “user” or, “end user”) agree to these Terms of Service (collectively, the “Terms of Service” or “Agreement”).


You agree not to modify, copy, distribute for commercial purposes, perform, reproduce, publish, license, transfer, create derivate work from, sell or re-sell any content or information obtained from or through the Site. You may share article content to social media platforms via the share buttons under each article provided by the Site.

Third-party Sites.

The Site may contain links to other websites maintained by third-parties. These links are provided solely as a convenience and does not imply endorsement of, or association with, the party by Top-O Philippines.

Ownership to Stock Photo Images.

Most stock photo images are taken from free source websites such as Pixabay (www.pixabay.com) and Free Digital Photos (www.freedigitalphotos.net). These photos are not the property of Top-O and the usage of these stock photo images are purely for aesthetic purposes of this site. Top-O Philippines will not be using these photographs for commercial purposes such as posters, product packaging and layout. Top-O Philippines will limit the use of these stock images for aesthetic purposes of this site.

Modifications to this Agreement.

Top-O Philippines reserves the right to change or modify any of the terms and conditions contained in this Agreement at any time. You acknowledge and agree that it is your responsibility to review the Site and these Terms of Service from time to time. Your continued use of the Site after such modifications to this Agreement will constitute acknowledgment of the modified Terms of Service and agreement to abide and be bound by the modified Terms of Service.

Termination of Use.

Top-O Philippines shall have the right to immediately terminate or suspend, in its discretion, your access to all or part of the Site with or without notice for any reason.

Limitation of Liability.

In no event shall Top-O Philippines or its affiliates be liable for any indirect, incidental, special, punitive damages or consequential damages of any kind, or any damages whatsoever arising out of or related to your use of the Site, the content and other information obtained therein.

Certain jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, thus the above limitations may not apply to you.

Governing Law.

Any disputes arising out of or related to these Terms of Service and/or any use by you of the Site shall be governed by the laws of the Philippines, without regard to the conflicts of laws provisions therein.

Date of Last Update.

This agreement was last updated on December 10, 2014

Disclosure Statement

This policy is valid from 10 December 2014

This website is a product site written and created by Top-O Philippines under the supervision of their web developer Crystal Tiffany Tan (View Website).

This site abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this site is not compensated to provide opinion on products, services, websites and various other topics due to sponsored content. Most of the views and opinions expressed on this blog are purely the website owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This website does not contain any content which might present a conflict of interest.