BY ACCESSING THIS SERVICE, YOU AGREE TO THE FOLLOWING TERMS AND CONDITIONS. Any use of this website creates a binding agreement and acceptance to comply with these Terms and Conditions. If you do not agree to these terms, you may exit this website immediately.
MoneyMart is an online marketplace (interchangeably, “Platform” or “Website”) that will help you view, access, filter, and apply for credit cards, loan products, and other financial services posted by participating institutions that are in the business of extending financial accommodations, such as banks and other non-bank financial institutions, financial technology companies, and the like (collectively, the "Lenders”). The platform will allow you to browse, compare, and apply for credit cards and loans; receive approval from the financial institutions or lender; and/or monitor either the credit card and loan application status digitally.
MONEYMART maintains this website to provide you with information about the financial institutions products and services and to facilitate communication with MoneyMart and its partner companies.
Not all of the products or services described on this Platform are available in all geographic areas. You may not be eligible for all the products or services described. MONEYMART reserves the right to determine the eligibility for any product or service.
MONEYMART may change these terms and conditions 1) to reflect changes to our Service, 2) for legal, regulatory, or security reasons, or 3) to prevent abuse of harm. MoneyMart may terminate, suspend, amend, or restrict access to all or any part of the Platform without notice or liability. If any provision of these Terms and Conditions is found to be unenforceable for any reason, the validity and enforceability of the remaining provisions shall not be affected.
We provide our services to you through our website located at www.moneymart.ph (or any subsequent URL which may replace it) and through our online content, software and services, whether accessed on the Website or through third-party websites, mobile sites and/or applications. This Platform, along with its services and the products, (collectively, the “Service”) is provided to you as part of this Platform.
MONEYMART offers an independent online service that allows you to compare banking, and loan products provided by third parties. The business of MONEYMART is to identify financial products and services provided by the Lenders that may be of interest to you.
We additionally allow you to get assistance and help offline (such as over the telephone) on using the Services either from MoneyMart or from a third party related to insurance, banking and alternative products or services.
MoneyMart Services and Products include certain services & products that may be available through a mobile device, including (i) the ability to submit information to the Services via a mobile device and (ii) the ability to browse the Services and the Website from a mobile device (collectively, the “Mobile Services”). To the extent that you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services and/or providing your mobile telephone number to us through the Services, you agree that we may communicate with you regarding our products and services and/or our service providers by SMS, MMS, text message or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. In the event you change or deactivate your mobile telephone number, you agree to promptly update information that you have submitted to us.
Nothing on the Services ought to be thought of, or relied upon, as financial advice or a recommendation or endorsement of any of the featured products or services. All information contained in the Services shall only be used for reference only and you should not treat it as any advice given by us. Information on the Services may help you choose the product or service that best meets your needs. However, it is solely your responsibility to conduct research, to seek independent and professional advice and to ensure the suitability of the product or service that is of interest to you. Ultimately, it is your sole and absolute decision to get or refrain from getting any product or service whether it has been featured on our Services or not.
Nothing on the Services is, or shall be deemed to represent, a proposal by us or any third party to sell to you any product or service or to enter into any contract with you in respect to any product or service. By giving us your details, you are making a proposal to get the relevant product or service from the relevant third party based on its terms and conditions. The relevant third party reserves the final right to decide whether or not to accept your offer.
We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material or information displayed on the Service at any time without further notice. You agree that MoneyMart will not be liable to you or to any third party for any modification, suspension or discontinuance of the Services. Likewise, we have the right to suspend, limit or terminate your access to the Services at any time.
You agree that submission of your information on our Services shall never in any way be considered as an acceptance of any offer and/or your request to purchase any product or service, and that nothing on the Services shall be treated as an invitation to do any of these actions. MoneyMart request for a policy shall not be construed as an offer by MoneyMart to provide a product to you.
By entering into any agreement or arrangement with any of our partner Lender, you acknowledge that you have read and accepted all applicable terms, conditions, exclusions, and limitations of the relevant policy or contract.
You are solely permissible to access and use the Services for personal, non-commercial functions, which means this website shall solely be accessed and used directly by a private individual or by a legal entity to find a product or service for that individual or entity and on their own behalf. Access to and use of the Services aside from for your personal, non-commercial functions is strictly prohibited.
In order to protect the safety and well-being of others and the integrity and security of our Services, you agree that you cannot use the Services (or facilitate or support others to do so):
You have to take all necessary precautions to make sure that any data, content, material or information you submit or provide to us via the Services (“User Content”) is free from viruses, spyware, malicious software and anything which can have a contaminating, harmful or damaging impact on any a part of this Services, our Content or the websites of third parties or the other technology.
If you choose to contact us in connection with the Services, you agree to provide and maintain (as applicable) true, accurate, current and complete information about yourself and/or any other person (such as a family member, associate or beneficiary, if relevant to the product or service) as prompted by one of our tools or forms that appears on our Services. Any personal data or other information that you submit using our tools or forms during account creation or otherwise (including any information you provide in relation to your family members), and certain other information about you that may be automatically collected when using the Services, is governed by our Privacy Policy. By providing any information about another person (or persons) such as a family member, associate or beneficiary), you warrant and guarantee that you have the authority to act on such person’s behalf (whether by appointment or by application of law) and that you have obtained any requisite consents to our processing of their personal data as set out in our Privacy Policy.
You are entirely accountable for your conduct on this website and for your User Content. You need to guarantee that your User Content does not violate any privacy rights, holding rights (such as copyright, information rights and trademarks) or alternative rights of any third party (including any right of confidentiality).
Furthermore, your User Content should not violate any law. It should not be harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, daunting, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable or prohibited by any applicable laws or regulations. We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this provision, including without limitation, removing the offending content from the Services, restricting such violator’s access to the Services and reporting the violator to the appropriate authorities.
You must comply with all applicable laws, statutes and regulations when using our Services. You agree that are will be held wholly responsible for any harm, loss, claim, demand, liability or expense (including reasonable legal fees) that we suffer as a result of your your breach of these Terms and Conditions, your breach of contract or warranty, willful act or omission, misrepresentation, negligence in relation to, or in association with, your access and/or use of the Services and/or in relation to your submission and accuracy of your User Content.
You agree to assume full responsibility and liability for all transactions made by or under your profile through the use of the Platform.
You may submit your credit card/loan application form using your web browser or your mobile device.
Application to credit cards or loans to the Platform shall be done via MoneyMart website or Platform. During the application process, you must provide the necessary information needed such as, but not limited to, your complete name, email address, mobile number, home address, ID documents, etc. It shall be assumed that all the information you have provided is correct, true and accurate. The information you have provided can and will be used as a basis for allowing you to avail of certain financial products or services offered in the MoneyMart website. Application on behalf of another person or corporation is strictly prohibited. Whenever any information provided turns out to be false or inaccurate or misleading but was used as a basis to enter into a valid or binding agreement, the participant who provided such false, inaccurate or misleading information shall be considered as acting in a fraudulent, deceptive or illegal manner and may be held criminally or civilly liable for such.
Once signed up, the Platform will allow you to browse credit card and loan products made available by partnered financial institutions and Lenders. You can filter credit cards/loan products based on your preferences and apply for a particular credit cards/loan product. Applying for a credit cards/loan product will require you to submit your application and consent to the requisite Terms & Conditions of the partnered bank/lender. Once approved for a financial product, the Platform will allow you to receive and accept the following communications sent by the bank: (1) loan/credit card disclosure statement; (2) amortization schedule; (3) notices; (4) documents, and; (5) information (collectively as "credit card/loan communications"), as required by the law and participating Lenders.
Electronic Communications. You agree that all communications from MoneyMart relating to your use of the Platform or related services may be provided or made available to you electronically by electronic mail, SMS, at the Platform, or mobile app.
Scope of Consent. Your consent to receive electronic communications and do business electronically, and our agreement to do so, applies to all your interactions or transactions to which such electronic communications relate, whether between you and MoneyMart or participating Banks/Lenders involved in your transaction.
Hardware and Software Requirements. To access and retain the communications electronically, you will need to use a device with an internet connection and an up-to-date browser capable of attaching files in the form of portable document format (PDF), images (JPG/PNG), and other file types.
Mobile Technology. Mobile devices such as tablets, smartphones or similar devices should be able to access and retain electronic communications when accessing the website or Platform.
Withdrawing Consent. You may withdraw your consent to receive electronic communications in the manner described below. Once consent is withdrawn, no further financial product applications will be allowed and any pending loan/credit card application shall be considered cancelled. The withdrawal of your consent will not affect the legal validity and enforceability of existing credit cards/ loans or any electronic communications provided or business transacted prior to the withdrawal of your consent.
Changes in Your Contact Information. You agree to keep us informed of any changes in your mobile number, email address, and other contact information you have provided to enable continuous receipt of electronic communications from the website. Your information can be updated at any time by accessing your profile on the website.
By applying at MoneyMart, you hereby consent to the sharing of your personal information, data, documents or other information which you have provided during the process of your credit card or loan application with the partner Lenders of MoneyMart, for the purpose of data analytics, credit scoring, marketing, referrals to other potential lenders, client profiling for risk or monitoring, and cross-selling of financial or non-financial products by our Lenders, our subsidiaries, affiliates, or partners.
You may withdraw your consent by refusing to proceed with your credit card or loan application or transaction or ticking the appropriate box, where applicable.
In order to provide the products and services in the website, it needs to collect personal and business information from loan applicants. By providing this information, you consent to the storing, processing, and monitoring of this information that is provided on the website for purposes which may include: Know-Your-Customer, risk, compliance or anti-fraud checks, credit scoring, and marketing/cross-selling. Furthermore, you consent to us providing your information to the participating Lender that you select by applying for a credit card or loan in order to process your application.
We take all efforts to ensure that the information, material and knowledge on the website are correct and to rectify any errors or omissions as soon as practicable when being notified of them. However, we do not warrant and hereby disclaim any warranty, express or implied, as to the accuracy, correctness, reliability, timeliness or non-infringement of any information, material or knowledge contained on the Services which are provided on an “as is” and “as available” basis.
We do not endorse any material information and data submitted or provided by third parties that is presented on the website and you must bear in mind that such information could also be inaccurate, incomplete or out of date. We will not be held liable for any knowledge, material or data on the website that has been provided by third parties.
We aim to give you uninterrupted access to the Services. However, we do not guarantee or warrant that any Content or functions associated with the Services will be uninterrupted or error free, or that defects will be corrected or that the Services and its server will be free of all viruses and/or other harmful elements.
We are not liable and assume no responsibility for losses or damages of any kind however caused as a result (direct or indirect) of the use or access of, or the inability to use and access the Services, including but not limited to any damage or loss suffered as a result of reliance on the Content, and/or arising out of or in connection with these Terms and Conditions whether in contract, tort or otherwise, even if we have been informed of the possibility of such damage.
We are not accountable and exclude all liability for any indirect losses or damages suffered or incurred by you or those which were not predictable when you accessed or used the Services. This includes any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of the Services which was not foreseeable by us when you used the Services.
Notwithstanding the foregoing, nothing in these Terms and Conditions shall limit our liability for personal injury or death, fraud, or for any other liability the exclusion or limitation of which is not permitted by any applicable law or regulation.
Our Services may provide you with access to third-party websites and online services that are not owned or controlled by MONEYMART. MONEYMART has no control over, and assumes no responsibility for, such websites and online services. In no circumstances shall we be considered associated or affiliated in whatever manner with any trade or service marks, logos or insignia that appears on such third-party websites.
If you apply for and acquire any product or service, you will be in contact with a third party who is providing that product or service to you on their own terms and conditions and privacy policy. Such terms and conditions and privacy policy may totally differ from these Terms and Conditions and our Privacy Policy. It is solely your responsibility to make sure that you agree to those terms and conditions and privacy policy before entering a contract to get that product or service. We are not accountable or to blame for any loss or harm you will suffer or incur as a result of the terms and conditions applying to any contract entered into by you with any third party in respect to any product or service or for any acts, omissions, errors or defaults of any third party in reference to those terms and conditions.
MONEYMART, MoneyMart logo and all related logos (collectively, the "trademarks") are trademarks or service marks of MoneyMart. Other company, product, and service names and logos used and displayed on this website or in the Platform may be trademarks or service marks owned by other Lenders and other companies participating in the Platform. Nothing in this website or Platform should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the trademarks displayed in this website or Platform without the prior written consent of the trademark owners.
The copyright in all materials on this website and in the Platform, including without limitation, the text, data, articles, design, source code, software, photos, images and other information (collectively, the "Content") is owned by MoneyMart, protected by Philippine laws and international copyright laws or treaties. MoneyMart prohibits the "mirroring" of any Content contained in this website or the Platform on any server. Any unauthorized use of any Content shall be construed as violation of the intellectual property laws, and other laws as may be applicable.
All data obtained from or provided by MoneyMart, regardless of the method of delivery, is explicitly prohibited from publication and distribution and is subject to MoneyMart’s data terms of use. Moreover, any data provided by MoneyMart, regardless of the method of delivery, cannot be used for any competing purpose and such data may only be used to permit credit card and loan applications using the products or services of MoneyMart.
You can print, copy, transfer or store extracts of content, material or information displayed on this website for your own personal use if you abide by the following conditions:
Nothing in these Terms and Conditions or our Services grants you, by implication, estoppel, or otherwise, any license or right to use the Content except as expressly stated in these Terms and Conditions. Except as mentioned elsewhere in these Terms and Conditions, none of the intellectual property rights that belong to us or our licensors in and about the Services (including data or Content displayed on it) can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our express written consent in each instance.
You agree and bind yourself to the Privacy Policy of MoneyMart found in this website.
All claims arising out of or relating to these terms and conditions, or the Service will be governed by the Laws of the Philippines, and shall be subjected to the jurisdiction of the Laws of the Philippines.