Terms and Conditions of EDUCREDIT FINANCE CORPORATION © 2019

These Terms and conditions are provided by EDUCREDIT FINANCE CORPORATION © 2019. (“EduCredit.ph”). By using and accessing http://www.educredit.ph (the “Site”), you signify that you have read, understand, and agree to be bound by these Terms of Use, regardless of whether you have registered to use any of the services offered on the Site (“Services”).

Eligibility

This Site is intended solely for users who are 18 years of age or older, and any registration or use of the Site by anyone under 18 years of age is unauthorized and in violation of these Terms. By using the Site, you represent you are 18 years of age or older and that you agree to and will abide by all of the terms and conditions of these Terms of Use.

Restrictions on Use

You must not post, send or otherwise transmit to or through the Site any unlawful, infringing, harmful, harassing, defamatory, threatening, vulgar, sexually explicit, racist, violent, immoral, religiously offensive, hateful or otherwise objectionable material of any kind, any material that exploits children or is invasive of or in breach of another person's privacy or other rights or any material that EduCredit.ph in its sole discretion does not wish posted or transmitted on the website or mobile application; defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; upload or otherwise make available, files that contain images, software or other material protected by intellectual property laws, including without limitation copyright, patents, designs or trademark laws and rights of confidentiality, publicity and privacy unless you own or control the rights thereto or have received all necessary authorizations to do the same; misrepresent your identity or affiliation in any way; engage in deceptive online marketing; violate any applicable laws or regulations; or assist or permit any persons in engaging in any of the activities described above.

Account Registration and Access

You need to create an account and provide information about yourself in order to use some of the features on the Site. Your account is for your personal, non-commercial use only. When you register for an account or apply for a loan or other Services, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to cancel your registration, reject any application you have submitted, terminate any agreement we have with you, and restrict your future use of the Site and our Services. We reserve the right to reject any registration and/or decline any application for a loan or investment.

You are responsible for maintaining the confidentiality of your account password and login credentials. You are also responsible for all activities that occur in connection with your account. You agree to notify us immediately of any unauthorized use of your account.

EduCredit.ph may terminate or suspend your account or ability to use the Site, in whole or in part, at its sole discretion, for any or no reason, and without notice or liability of any kind. Any such termination or suspension can prevent you from accessing your account, the Site, your Content, or any other related information.

You may terminate your account at any time by closing it and discontinuing your use of any and all parts of the Site. If you close your account, EduCredit.ph may continue to display your previously published Content and are under no obligation to remove any of your Content.

Collection and Use of Personal Information

You may be asked to provide your Personal Information anytime you are using the Site and/or Services. By providing EduCredit.ph with your Personal Information, you consent to EduCredit.ph’s sharing and use of it consistent with the Terms of Use. EduCredit.ph may use the information you give in its assessment of your creditworthiness for its Services, as well as in its management of your account over the period of active use of its Site and/or Services. EduCredit.ph may combine your Personal Information with other information to provide and improve EduCredit.ph’s products, services, content, and advertising.

EduCredit.ph gathers some information automatically and stores such information in log files. This information includes internet addresses, browser types and languages, operating systems, date/time stamps, etc. EduCredit.ph uses this information to understand and analyze trends, to administer the site, to learn about user behavior on the site, to improve its product and services, and to gather demographic information about its user base as a whole. EduCredit.ph may use this information in its marketing and advertising services. Specific provisions on use and collection of personal information may be found at our Privacy Policy

Disclosure to Third Parties

At times EduCredit.ph may make certain Personal Information available to partners that work with EduCredit.ph Partners may include individual and institutional Lenders, Referral Partners, or Third-Party Partners, any or all of which may provide products and services to EduCredit.ph, or help EduCredit.ph market to partner lenders and sponsors. Personal information will only be shared by EduCredit.ph to Lenders and/or Referral Partners to improve its products, portfolio, or services, or to provide relevant portfolio reports. Personal Information will only be shared by EduCredit.ph to Third-Party Partners to provide or improve its products, services and advertising; such

Intellectual Property

The Site, Application, Services, and collective Content are protected by copyright, trademark, and other laws of the Republic of the Philippines. You acknowledge and agree that the Site, Application, Services and collective Content, including all associated intellectual property rights, are the exclusive property of EduCredit.ph You may not use, copy, reproduce, republish, upload, post, transmit, distribute or modify the Marks in any way, including in advertising or publicity pertaining to distribution of materials on this Site, without our prior written consent. Trademarks, service marks, logos, trade names and any other proprietary designations of third parties used on or in connection with the Site or Services are used for identification purposes only and may be the property of their respective owners. As a User, you understand and agree that you are bound by these Terms on Intellectual Property.

Modification of Terms

EduCredit.ph reserves the right, at its sole discretion, to modify the Site or Services or to modify these Terms at any time and without prior notice. If EduCredit.ph modifies these Terms, EduCredit.ph shall update the "Last Updated" date at the top of these Terms. By continuing to access or use the Site or Service after EduCredit.ph has posted a modification, you are indicating that you agree to be bound by the modified Terms. If the modified Terms are not acceptable to you, your only recourse is to cease using the Site or Services.

Links to Other Websites

Our Service may contain links to third party websites or services that are not owned or controlled by EduCredit.ph. EduCredit.ph has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that EduCredit.ph shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

Limitations on Liability

EduCredit.ph specifically disclaims any liability and in no event shall EduCredit.ph, its officers, directors, shareholders or employees be liable for any direct, indirect, incidental, consequential, punitive, or special damages or any other damages of any kind, including but not limited to loss of use, loss of profits or loss of data, whether in an action in contract, tort, strict liability or otherwise (including but not limited to negligence), arising out of or in any way connected with access to or use of this Site and/or Services and even if EduCredit.ph has been advised of the possibility of such damages, including liability associated with any viruses, macros, or other disabling software that may infect your computer equipment. You specifically acknowledge that EduCredit.ph shall not be liable for user submissions or the defamatory, offensive or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with you.

Privacy

Your privacy is very important to us. Our Privacy Policy (which includes our Cookie Policy) explains how we treat your Personal Information and protect your privacy when you use our Site. Our Privacy Policy may be amended or updated from time to time and you are responsible for checking the Privacy Policy and ensuring you agree with its contents.

Warranties and Representations

By using this Site and/or Services, you are solely responsible for all of your communications and interactions with other users and members of the Site or Services and with other persons with whom you communicate or interact as a result of your use of the Site or Services. You agree to take reasonable precautions in all communications and interactions with other users of the Site or Services and with other persons with whom you communicate or interact as a result of your use of the Site or Services, particularly if you decide to meet outside the premises of this Site or Service. EduCredit.ph explicitly disclaims all liability for any act or omission of any guest or other third party.

EduCredit.ph does not represent or warrant that this Site or Service are free of viruses or other harmful components, and you bear the entire risk of losses or damages that you may incur or suffer as a result of any use of or visit to this Site. EduCredit.ph does not guarantee continuous, uninterrupted, error-free or secure access to this Site or Service, since the operation of this Site may be interfered with by numerous factors outside of our control.

Indemnity

You agree to defend, indemnify and hold EduCredit.ph harmless from any and all liabilities, costs, and expenses, including reasonable attorneys' fees, related to or in connection with: (a) the use of the Site or the Internet or your placement or transmission of any message or information on this Site by you or your authorized users; (b) your violation of any of these Terms, including without limitation, your breach of any of the representations and warranties above; (c) your violation of any third party rights, including without limitation any rights of privacy, publicity rights or intellectual property rights; (d) your violation of any law, rule or regulation of the Republic of the Philippines or any other country; (e) any claim or damages that arise as a result of any user submission that you provide to EduCredit.ph; or (f) any other party's access to and use of this Site with your unique username, password or other appropriate security code.

Entire Agreement

These Terms are the entire agreement between the user and/or member and EduCredit.ph and supersede any prior understandings or agreements (written or oral).

Additional Assistance

If you do not understand any of the foregoing Terms or if you have any questions or comments, we invite you to contact us through the email address provided in Contact Us.

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