The following terms apply to accessing and using AgadCash, a website that helps users search for and compare information about online loan solutions in the Philippines.

Users should review these terms to understand their rights to use the information, the scope of services, and related responsibilities.

1. Service Content

AgadCash provides reference information about online loan products introduced by independent financial institutions.

The platform does not directly provide loans, conduct credit assessments, or enter into loan agreements with customers.

Accessing AgadCash does not establish a lending relationship between users and the website.

2. Website Usage Conditions

Users are permitted to access publicly available content on AgadCash for lawful purposes.

Users must not engage in impersonation, distribute malicious software, gain unauthorised access, or interfere with the system’s operations.

AgadCash may implement appropriate measures to protect the website against activities that violate these terms.

3. Information for Reference Purposes

Information about loan limits, repayment terms, interest rates, and application requirements is provided to help users understand the products.

Actual details may change depending on the provider’s policies and application assessment results.

Users must review the official terms before confirming any loan.

4. Financial Decision-Making Rights

AgadCash does not select products on behalf of users and does not guarantee application approval.

Customers are responsible for assessing their borrowing needs, repayment capacity, and any resulting obligations.

Applying for a loan and entering into an agreement with a financial institution are independent decisions made by the user.

5. Third-Party Services

The website may feature links to platforms managed by other financial institutions.

When accessing these services, users must comply with the provider’s own terms and policies.

AgadCash does not directly manage the application assessment, disbursement, repayment, or credit agreement processing activities of third parties.

6. Verification of Loan Providers

The appearance of a product on AgadCash does not mean that the website certifies that the provider is licensed to conduct lending activities.

Users should verify the financial institution’s business information and authorisation to operate through the Securities and Exchange Commission (SEC) of the Philippines or the appropriate authority.

Customers should exercise caution when asked to provide sensitive data or make payments without a clear purpose.

7. Privacy and Personal Data

The collection, use, or sharing of personal data on AgadCash, if any, must comply with the published privacy policy and Philippine laws, including the Data Privacy Act of 2012.

Users should review the provider’s data processing policy before submitting an application.

AgadCash does not directly control the independent data processing activities of external websites, except for legal obligations applicable to the platform itself.

8. Content Copyright

Articles, documents, and images legally owned by AgadCash are protected under intellectual property laws.

Copying, distributing, or commercially exploiting content must respect the rights of the owner.

Brand names and materials belonging to other organisations remain the property of their respective owners.

9. Scope of Responsibility

AgadCash accepts feedback related to the website’s content and operations.

Issues arising from loan agreements, application assessment results, or repayment obligations must be resolved with the financial institution directly providing the service.

Any limitations of liability apply only to the extent permitted by law and do not exclude AgadCash’s mandatory legal obligations.

10. Changes to the Terms

AgadCash may update these terms to reflect its actual operations and legal requirements.

Any changes will be published on the website for users to review.

AgadCash is a platform that supports searching for and comparing online loan solutions in the Philippines. It does not directly extend credit or guarantee loan disbursement.