Welcome to credits.ph (referred to as "we," "us," or "our"). This User Agreement governs your use of our credit comparison service website (the "Platform"). By accessing or using our Platform, you agree to be bound by the terms and conditions outlined in this User Agreement. Please read this agreement carefully before using our services. 

Introduction 

At credits.ph, we strive to provide a transparent and user-centric credit comparison experience. This User Agreement outlines the terms and conditions that govern your use of our Platform. By accessing or using our services, you acknowledge that you have read, understood, and agreed to be bound by this agreement. 

Definitions 

1. Platform: The credits.ph website and its associated services, including the credit comparison service and any other features or functionalities provided. 
2. User: Any individual or entity that accesses or uses the Platform. 

Acceptance of terms 

By accessing and using our Platform, you signify your acceptance of this User Agreement. If you do not agree to the terms and conditions stated herein, please refrain from using our services. We reserve the right, at our discretion, to modify, amend, or update this User Agreement at any time without prior notice. It is your responsibility to review this agreement periodically to stay informed of any changes. Your continued use of the Platform after the posting of any modifications to this Agreement constitutes acceptance of those changes. 

Credit comparison service 

Our Platform provides a credit comparison service, allowing you to compare offers from various lenders in the Philippines.  

Our Platform streamlines the credit search and selection process by consolidating all the essential information and links on a single page. We aim to make it convenient for users to access the necessary details about credit offers from various lenders in the Philippines. However, it is important to clarify that the content on our site does not constitute specific credit offers. Instead, we provide comprehensive information to assist users in evaluating their options and making informed decisions. 

Once users have reviewed the provided information, they can follow the link to the selected lender's website. This step allows them to obtain a credit offer that is specifically tailored to their needs. By visiting the lender's website, users can familiarize themselves with the associated credit conditions and requirements. It is important to note that the terms of use of the lender's website remain independent and valid, regardless of our User Agreement. 

While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of the credit offers displayed on our Platform. It is your responsibility to independently verify the terms and conditions of any credit offer before agreeing with a lender. 

User obligations and responsibilities 

Users agree to comply with all applicable laws, regulations, and legal requirements when accessing and using our Platform. This includes but is not limited to laws related to privacy, intellectual property, and consumer rights. Users are solely responsible for understanding and abiding by the legal obligations associated with their use of the Platform. 

Users are responsible for providing accurate and up-to-date information when using our Platform. This includes personal information, contact details, and any other data required for the credit application process. Users understand that providing false or misleading information may result in the rejection of their credit application and potential legal consequences. 

Users are responsible for maintaining the security and confidentiality of their account credentials, including usernames, passwords, and any other login information. Users should not share their account information with others and should promptly notify us if they suspect any unauthorized access to their account. 

Users are granted the right to access and utilize the site's content solely for personal purposes. Individuals can use our Platform for free. Users are strictly prohibited from utilizing the site's content for commercial purposes or without explicit permission from the site administration. The site management reserves the right to restrict access to our platform for users who violate any of the specified conditions. 

Users agree to use our Platform solely for lawful purposes and in compliance with this User Agreement. It is prohibited to engage in any activities that may disrupt or interfere with the proper functioning of the Platform, including but not limited to hacking, spamming, or distributing malicious software. 

Users shall not upload, post, or transmit any content that is unlawful, defamatory, abusive, obscene, or otherwise objectionable. Users are solely responsible for the content they share on the Platform and shall not infringe upon the rights of any third parties. 

Our Platform may contain links to third-party websites or services. Users acknowledge that we do not endorse or have control over the content, policies, or practices of these third-party sites. Users are responsible for reviewing and understanding the terms and conditions, privacy policies, and practices of any third-party websites they visit through our Platform. 

Users are encouraged to report any violations of this User Agreement or any suspicious activities observed on the Platform. Users can contact us using the provided contact information to report such incidents. 

Users agree to hold us harmless from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or related to their use of the Platform or the information on it. 

Intellectual property 

The content and materials available on the Platform, including but not limited to text, graphics, logos, and software, are owned by or licensed to us and are protected by applicable intellectual property laws. You agree not to reproduce, distribute, modify, or create derivative works of any content or materials from the Platform without our prior written consent. 

Rights and responsibilities of the site administration 

We are dedicated to providing our users with a smooth and uninterrupted platform experience. Our team works diligently to maintain the functionality of our website and promptly address any technical issues that may arise. We strive to deliver an optimal user experience and ensure that our platform operates efficiently. 

As the site administration, we have the authority to make necessary modifications to the content and design of the site. These modifications may include updating or removing materials without prior notice to users. Our goal is to continuously improve the quality of our service and enhance the overall user experience on our platform. 

Safeguarding user data privacy and security is of utmost importance to us. We strictly adhere to the laws and regulations of the Philippines and have implemented comprehensive privacy policies to ensure the confidentiality and protection of your personal information. Rest assured that we are committed to keeping your data safe and will not disclose it to any third parties without obtaining your explicit consent. 

With your consent, we reserve the right to inform you about relevant new products, services, special offers, discounts, and other important information using the contact details you have provided, such as your email address or mobile phone number. We aim to keep you informed and updated on valuable opportunities and enhancements related to our platform. 

In the event of a user violating the terms and conditions stated in the User Agreement, privacy policy, or any other site rules, we may take appropriate measures to temporarily or permanently restrict their access to the platform. These actions are necessary to ensure the security and integrity of our web resource and to comply with the legal requirements of the Philippines. Please note that prior notification may not always be possible before implementing access restrictions. 

Limitations of administration's responsibility 

It is important to acknowledge that the information provided on our Platform is intended for reference purposes only. While we strive to present accurate and reliable information, we cannot guarantee the absolute reliability or accuracy of all the content on our platform. Therefore, users are strongly encouraged to independently verify any credit-related information on the official websites of the microfinance organizations they intend to engage with. 

We want to clarify that our Platform does not directly provide credit services, nor do we endorse or guarantee the quality or compliance of credit offers provided by third-party lenders. Any transactions between users and lenders, as well as any consequences arising from breaches of contract, are solely the responsibility of the parties involved. If you have any inquiries or complaints regarding a credit service, please direct them to the relevant third-party provider. 

While we strive to facilitate the understanding and comparison of available credit offers, it is important to understand that users bear full responsibility for the decisions they make based on the information provided on our platform. We do not act as financial advisors or intermediaries in credit transactions. Therefore, we disclaim any responsibility for violations of Filipino laws or the rights of third parties resulting from user actions and decisions. 

We would like to clarify that we cannot be held responsible for any damages or losses resulting from the use of our platform or the information it contains. This includes any losses arising from platform breakdowns or malfunctions. Users should use our platform responsibly and take necessary precautions to protect their own interests. 

Governing law 

This User Agreement shall be governed by and construed following the laws of the Philippines. Any disputes arising out of or in connection with this agreement shall be subject to the exclusive jurisdiction of the courts in the Philippines. 

Contact Us 

If you have any questions, concerns, or inquiries regarding this User Agreement or our services, please contact us through the provided contact information on the Platform.