These Terms of Service (“Terms”) govern the access to and use of the Secure Peso mobile application and related services (“the App”) provided by PREDOMINANT LENDING INVESTORS INC. (“the Company,” “we,” “us,” or “our”). By downloading, installing, or using the App, you agree to comply with and be bound by these Terms.
If you do not agree to these Terms, you must not use the App.
By accessing or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms and the related Privacy Policy. If you do not agree with these Terms, you should not use the App.
To use the App and its services, you must:
Be at least 18 years old.
Be a resident of the Philippines.
Have a valid government-issued identification (e.g., Philippine ID, passport, etc.).
Provide true, accurate, and complete information during registration and while using the App.
Meet any additional eligibility criteria as required by the Loan Provider.
The App offers various services, including but not limited to:
Loan application and approval processing
Identity verification
Credit assessment
Loan disbursement and repayment management
Account management
Customer support services
The loan services provided through the App are supplied by ONLINE LOANS PILIPINAS FINANCING INC. (“the Loan Provider”), and the App serves as a platform for users to access those services.
You agree to use the App solely for lawful purposes and in accordance with these Terms. You must not:
Use the App in any manner that could damage, disable, or impair the App’s operation or interfere with any other party's use of the App.
Attempt to gain unauthorized access to any part of the App or its systems, including user accounts, computer systems, or networks.
Engage in any activity that violates any laws or regulations.
To use the App, you must create an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your account information, including your username, password, and any other credentials used to access the App.
You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
By using the App, you can submit loan applications to the Loan Provider. The Loan Provider is responsible for processing and approving loan applications. Your application will be subject to the Loan Provider’s review and approval based on their internal criteria, which may include credit assessment, income verification, and eligibility checks.
The loan disbursement will be processed once you accept the loan offer and terms presented by the Loan Provider. You will receive the loan amount as specified in the offer.
Once your loan is disbursed, you are responsible for making timely repayments according to the agreed-upon schedule. Payments may be made via the payment methods specified in the App.
If you fail to make repayments, late payment fees, default interest, and other penalties may apply as outlined in your loan agreement.
The following fees and charges may apply to your use of the App and loan services:
Processing Fee: 0% (no fees are deducted at disbursement)
Interest: As disclosed in your loan offer (up to 28% APR)
Late Payment Fees: As described in your loan agreement
Other Charges: No hidden charges or prepayment penalties apply.
All fees and charges will be clearly disclosed before you accept any loan offer or agreement.
Your use of the App is governed by the Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the App, you consent to the collection and processing of your data in accordance with the Privacy Policy.
We reserve the right to suspend or terminate your access to the App at any time, with or without notice, if you violate these Terms or engage in any unlawful activity. You may also terminate your account by contacting customer support.
Upon termination, any outstanding obligations (e.g., loan repayments) must still be fulfilled.
The App is provided “as is” and “as available,” without any representations or warranties of any kind, either express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not guarantee that the App will be free of errors, viruses, or other harmful components, and we are not responsible for any damages arising from the use of the App, including loss of data, loss of profit, or other damages.
These Terms are governed by and construed in accordance with the laws of the Philippines. Any disputes arising from or in connection with these Terms shall be resolved through competent local courts in the Philippines.
We may update these Terms from time to time to reflect changes in our services, business practices, or regulatory requirements. We will notify you of any material changes by posting the updated Terms on the App or via other communication channels. Your continued use of the App after such changes signifies your acceptance of the updated Terms.
If you have any questions or concerns about these Terms of Service or the App, please contact us at: