Terms of Service

Welcome to Pera Agad. By using our Service, you agree to be bound by the following terms and conditions ("Terms of Service"). Please read them carefully before using our Service.

1. Acceptance of Terms

By using our Service, you agree to these Terms of Service. If you do not agree to these Terms of Service, you may not use our Service.

2. Eligibility

To use our Service, you must be at least 18 years old and a resident of the Philippines. You must also have a valid Pera Agad account.

3. Registration and Account Security

You will need to register for an account with our Service using your Pera Agad account. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account or password.

4. Use of Service

You may only use our Service for lawful purposes and in accordance with these Terms of Service. You agree not to use our Service: - In any way that violates any applicable federal, state, local or international law or regulation. - To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation. - To impersonate or attempt to impersonate our Company, a Company employee, another user, or any other person or entity. - To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of our Service, or which, as determined by us, may harm our Company or users of our Service or expose them to liability.

5. Fees and Payments

We offer loans to qualified users of our Service. Fees and interest rates will be disclosed to you during the loan application process. You agree to pay all fees and interest charges associated with your loan.

6. Privacy

We respect your privacy and are committed to protecting it. Our Privacy Policy governs the collection, use and disclosure of your personal information.

7. Intellectual Property

Our Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by our Company, its licensors, or other providers of such material and are protected by Philippines and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8. Disclaimer of Warranties

Our Service is provided "as is" and "as available" without any representations or warranties, express or implied. We do not warrant that our Service will be uninterrupted, error-free, or free from viruses or other harmful components.

9. Limitation of Liability

Our Company, its affiliates, or their licensors, service providers, employees, agents, officers, or directors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your access to or use of, or inability to access or use, our Service.

10. Governing Law

These Terms of Service and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Philippines.

11. Changes to Terms of Service

We reserve the right to modify these Terms of Service at any time. Your continued use of our Service after any such changes constitutes your acceptance of the new Terms of Service.

12. Contact Us

If you have any questions about these Terms of Service, please contact us at [email protected].