đź“„ Terms of Use

User agreement and service conditions for NerdCash Philippines

Last Updated: 6/20/25

Effective Date: 6/20/25

These Terms of Use govern your access to and use of the NerdCash Philippines platform and services.

1. Acceptance of Terms

By accessing or using the NerdCash.ph website, mobile application, or any related services (collectively, the "Platform"), you agree to be bound by these Terms of Use and the applicable laws of the Republic of the Philippines.

If you do not agree with any part of these Terms, please refrain from using the Platform. Continued use constitutes your acceptance of any future modifications to these Terms.

Eligibility: You must be at least 18 years old or the legal age of majority in your jurisdiction to access or use the Platform.

2. Description of Services

NerdCash.ph offers the following services:

  • Financial Product Comparisons: Detailed comparisons of credit cards, loans, savings, and investment products available in the Philippines
  • Educational Resources: Guides and articles to promote financial literacy
  • Financial Tools: Calculators and interactive tools to aid decision-making
  • Personalized Recommendations: Product suggestions based on user preferences and profiles
  • Referral Services: Direct links and referrals to third-party financial institutions

Note: We do not provide banking or financial services directly. We are an information and comparison platform only.

3. User Responsibilities and Conduct

By using the Platform, you agree to:

  • Provide truthful and current information
  • Maintain the confidentiality of your account credentials
  • Use the Platform in accordance with applicable laws
  • Refrain from violating intellectual property rights
  • Avoid unauthorized access or use of our systems
  • Not use bots, scrapers, or automated tools to extract data

Prohibited Conduct:

  • Impersonating another person or entity
  • Posting false, misleading, or defamatory content
  • Transmitting malware, spyware, or harmful code
  • Violating any applicable laws or regulations
  • Interfering with the proper functioning of the Platform

4. Intellectual Property Rights

All content on NerdCash.ph—including text, graphics, images, software, and data—is the intellectual property of NerdCash Philippines, Inc. or its licensors and is protected by local and international copyright laws.

You may:

  • Use the Platform for personal, non-commercial purposes
  • Download or print content for private use
  • Share links to our content on social media

You may not:

  • Reproduce, distribute, or republish our content without permission
  • Use our trademarks or logos without authorization
  • Create derivative works based on our content
  • Use our content for commercial purposes without a license

5. Financial Information and Disclaimers

⚠️ IMPORTANT DISCLAIMERS

Not Financial Advice:

Information provided on our Platform is for educational and comparison purposes only. It does not constitute financial, investment, or professional advice. Always consult qualified financial advisors before making financial decisions.

Accuracy of Information:

While we strive to provide accurate and up-to-date information, financial products and their terms can change frequently. We cannot guarantee the accuracy, completeness, or timeliness of all information displayed.

Third-Party Products:

We display information about financial products offered by third-party institutions. We are not responsible for the products, services, or practices of these institutions.

No Guarantees:

We do not guarantee that you will be approved for any financial product or receive any specific terms. All applications are subject to the approval criteria of the respective financial institutions.

6. Limitation of Liability

To the fullest extent permitted by law, NerdCash Philippines, Inc., its affiliates, employees, and officers shall not be liable for:

  • Indirect or consequential damages
  • Loss of data, profits, or business opportunities
  • Product errors or outdated information
  • Actions taken by third-party financial institutions
  • Technical problems or interruptions in service
  • Unauthorized access to your account or personal information

Maximum Liability: Our total liability to you for any claims arising from your use of the Platform shall not exceed ₱10,000 or the amount you paid us for services in the preceding 12 months, whichever is lower.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy and complies with the Data Privacy Act of 2012 (Republic Act No. 10173).

Key Points:

  • We collect only necessary information to provide our services
  • We use appropriate security measures to protect your data
  • We do not sell your personal information to third parties
  • You have rights regarding your personal data under Philippine law and the Data Privacy Act

For detailed information, please review our Privacy Policy.

8. Termination

We may terminate or suspend your access:

  • If you violate these Terms of Use
  • If you engage in fraudulent or illegal activities
  • If required by law or regulatory authorities
  • At our sole discretion with reasonable notice

You may terminate your account:

  • At any time by contacting us at support@nerdcash.ph
  • By following the account deletion process in your user settings

Effect of Termination: Upon termination, your right to use the Platform ceases immediately. Provisions regarding intellectual property, disclaimers, and limitation of liability survive termination.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles.

Dispute Resolution:

  • Jurisdiction: Any disputes shall be resolved exclusively in the courts of Makati City
  • Alternative Resolution: Users are encouraged to resolve disputes informally when possible
  • Consumer Rights: These Terms do not override your rights under Philippine consumer protection laws

10. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. When we make changes:

  • The "Last Updated" date will be changed
  • Material changes will be announced via email or Platform notifications
  • Changes are effective immediately upon posting unless otherwise stated
  • Your continued use of the Platform constitutes acceptance of the modified terms

Review Responsibility: We encourage you to review these Terms periodically to stay informed of any changes.

Questions About These Terms?

If you have questions about these Terms of Use, please contact us.

📧 Legal Inquiries: legal@nerdcash.ph

đź“ž Customer Support: +63 917 123 4567

✉️ Mailing Address: 26th Floor, The Enterprise Center, Ayala Avenue, Makati City, Philippines 1226

NerdCash Philippines, Inc.