- Any GCash Express Send money transfer from a Business Account or any business-related transaction; or
- Any loss arising directly or indirectly from, or in connection with, your employment such as any corporate-related transactions.
- Any advance fee fraud where you are promised goods, services and/or financial gains, in return for an upfront payment including payment by GCash Express Send money transfer.
- Any GCash Express Send transaction(s) not made by you that requires an OTP to proceed.
- Any incident prior to the start date of your insurance cover or after cancellation.
- Any loss resulting from gambling, lottery, contest, promotional game, or other games of chance.
- Losses which are recoverable from GCash;
- A potential Enterprise-wide cyber-attack on GCash;
- Any loss resulting from illegal activity you have engaged in whether knowingly or unknowingly.
Additional Exclusion(s) under the Account Take Over benefit, this policy does not cover:
- Unauthorized transactions made on your GCash account resulting from loss or theft of your Electronic Device(s) connected to your GCash Account.
- Unauthorized transactions made on your GCash Account more than two (2) weeks prior to your first reporting of the incident to the relevant authorities.
- Charges incurred by a relative or a member of your family, or by a person you authorized to use your GCash Account.
Additional Exclusion(s) under the Online Shopping Fraud benefit, this policy does not cover:
- Any goods or services purchased from a natural person through a private transaction.
- Any Online purchases where crypto currency such as bitcoins, voucher or reward point is the form of payment.
For the full list of policy exclusions, please refer to the Send Money Protect Group Policy.
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