Effective Date: 1/28/2024

Welcome to Wankard Easy Life Financing. These Terms and Conditions ("Terms") govern your access to and use of our services, including our website, loan products, and customer support, provided by Wankard Easy Life Financing ("Company", "we", "us", or "our"). By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our services.

1. Services Description: Wankard Easy Life Financing provides personal loan services to eligible individuals. Our services are subject to the submission and approval of a loan application according to our eligibility criteria.

2. Eligibility: To use our services, you must be at least 18 years old or the age of majority in your jurisdiction, which in this case is the Philippines. You must also have the legal capacity to enter into a contract.

3. User Responsibilities:

  • Accurate Information: You agree to provide true, accurate, current, and complete information about yourself as prompted by our service's registration forms.
  • Account Security: You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer.
  • Compliance: You agree to comply with all applicable laws regarding online conduct and acceptable content as per Philippine law.

4. Loan Application and Approval:

  • Submission: You may apply for a loan by completing our application process. Submission of an application does not guarantee approval.
  • Review: We will review your application based on our internal criteria, which may include credit checks and verification of information.
  • Approval and Agreement: If your application is approved, you will be required to agree to a separate loan agreement outlining specific terms of your loan.

5. Intellectual Property: All content included on our services, such as text, graphics, logos, images, as well as the compilation thereof, and any software used, is the property of the Company or its suppliers and protected by copyright and intellectual property laws of the Philippines and international copyright laws.

6. Limitation of Liability: The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the services; (ii) any conduct or content of any third party on the services; (iii) any content obtained from the services; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, as permitted by Philippine law.

7. Amendments to Terms: We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on our site. Your continued use of our services after any changes indicates your acceptance of the new Terms.

8. Governing Law: These Terms shall be governed and construed in accordance with the laws of the Philippines, without regard to its conflict of law provisions.

9. Dispute Resolution: Any disputes arising out of or related to these Terms or the services will be resolved through binding arbitration in the Philippines, rather than in court, except that you may assert claims in small claims court if your claims qualify.

10. Contact Us: For any questions or concerns regarding these Terms, please contact us at [Insert Contact Information].

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.