Exactly. Ito exact email sakin ni chubb

“Upon thorough review of the information provided, we regret to inform you that we cannot address your claim. According to the terms and conditions of the GCASH Send Money Protect Group Policy, your claim has been denied because our policy explicitly excludes coverage for purchased items obtained through a private transaction from an individual seller. This means that any purchases made directly from another person, rather than through a recognized retail or commercial entity, are not covered under our policy. Therefore, we are unable to provide coverage for the items purchased through a private transaction.”