📄 Terms of Use

User agreement and service conditions for Geek Cash Philippines

Last Updated: December 20, 2024

Effective Date: December 20, 2024

These Terms of Use govern your access to and use of the Geek Cash Philippines platform and services.

1. Acceptance of Terms

By accessing or using the Geek Cash Philippines website, mobile application, or any related services (collectively, the "Platform"), you agree to be bound by these Terms of Use and all applicable laws and regulations of the Republic of the Philippines.

If you do not agree with any part of these terms, you must not use our Platform. Your continued use of the Platform constitutes acceptance of any modifications to these Terms.

Age Requirement: You must be at least 18 years old or the age of majority in your jurisdiction to use our Platform.

2. Description of Services

Geek Cash Philippines provides:

  • Financial Product Comparisons: Information and comparisons of credit cards, loans, savings accounts, and investment products available in the Philippines
  • Educational Content: Articles, guides, and resources about personal finance and financial literacy
  • Calculators and Tools: Interactive tools to help users make informed financial decisions
  • Product Recommendations: Personalized suggestions based on user preferences and financial profiles
  • Referral Services: Connecting users with financial institutions for product applications

Important: We are an information platform and comparison service. We do not provide direct financial services, loans, or banking products.

3. User Responsibilities and Conduct

You agree to:

  • Provide accurate, current, and complete information when creating an account
  • Maintain the security of your account credentials
  • Use the Platform only for lawful purposes
  • Respect intellectual property rights
  • Not attempt to gain unauthorized access to our systems
  • Not use automated tools to scrape or harvest data from our Platform
  • Comply with all applicable Philippine laws and regulations

Prohibited Activities:

  • Impersonating any person or entity
  • Posting false, misleading, or defamatory content
  • Transmitting viruses, malware, or other harmful code
  • Violating any applicable laws or regulations
  • Interfering with the proper functioning of the Platform

4. Intellectual Property Rights

All content on the Platform, including but not limited to text, graphics, logos, images, software, and data compilations, is the property of Geek Cash Philippines, Inc. or its licensors and is protected by Philippine and international copyright laws.

You may:

  • Access and use the Platform for personal, non-commercial purposes
  • Print or download content for personal use
  • Share links to our content on social media

You may not:

  • Reproduce, distribute, or republish our content without permission
  • Use our trademarks or logos without authorization
  • Create derivative works based on our content
  • Use our content for commercial purposes without a license

5. Financial Information and Disclaimers

⚠️ IMPORTANT DISCLAIMERS

Not Financial Advice:

Information provided on our Platform is for educational and comparison purposes only. It does not constitute financial, investment, or professional advice. Always consult qualified financial advisors before making financial decisions.

Accuracy of Information:

While we strive to provide accurate and up-to-date information, financial products and their terms can change frequently. We cannot guarantee the accuracy, completeness, or timeliness of all information displayed.

Third-Party Products:

We display information about financial products offered by third-party institutions. We are not responsible for the products, services, or practices of these institutions.

No Guarantees:

We do not guarantee that you will be approved for any financial product or receive any specific terms. All applications are subject to the approval criteria of the respective financial institutions.

6. Limitation of Liability

To the maximum extent permitted by Philippine law, Geek Cash Philippines, Inc., its directors, officers, employees, and affiliates shall not be liable for:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, data, or business opportunities
  • Errors or omissions in financial product information
  • Actions taken by third-party financial institutions
  • Technical problems or interruptions in service
  • Unauthorized access to your account or personal information

Maximum Liability: Our total liability to you for any claims arising from your use of the Platform shall not exceed ₱10,000 or the amount you paid us for services in the preceding 12 months, whichever is lower.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy.

Key Points:

  • We collect only necessary information to provide our services
  • We use appropriate security measures to protect your data
  • We do not sell your personal information to third parties
  • You have rights regarding your personal data under Philippine law

For detailed information, please review our Privacy Policy.

8. Termination

We may terminate or suspend your access:

  • If you violate these Terms of Use
  • If you engage in fraudulent or illegal activities
  • If required by law or regulatory authorities
  • At our sole discretion with reasonable notice

You may terminate your account:

  • At any time by contacting us at support@geekcash.ph
  • By following the account deletion process in your user settings

Effect of Termination: Upon termination, your right to use the Platform ceases immediately. Provisions regarding intellectual property, disclaimers, and limitation of liability survive termination.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles.

Dispute Resolution:

  • Primary: Any disputes shall be subject to the exclusive jurisdiction of the courts of Makati City, Philippines
  • Alternative: We encourage informal resolution through direct communication before formal legal proceedings
  • Consumer Protection: Nothing in these Terms affects your rights under Philippine consumer protection laws

10. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. When we make changes:

  • We will update the "Last Updated" date at the top of this page
  • For material changes, we will provide notice through email or Platform notifications
  • Changes become effective immediately upon posting unless otherwise specified
  • Your continued use of the Platform constitutes acceptance of the modified terms

Review Responsibility: We encourage you to review these Terms periodically to stay informed of any changes.

Questions About These Terms?

If you have questions about these Terms of Use, please contact us.

📧 Legal Inquiries: legal@geekcash.ph

📞 Customer Support: +63 917 123 4567

✉️ Mailing Address: 26th Floor, The Enterprise Center, Ayala Avenue, Makati City, Philippines 1226

Geek Cash Philippines, Inc.