KABAYANLOAN
Terms of Service • Mga Tuntunin
Terms of Service • Mga Tuntunin
Welcome to KabayanLoan. These terms govern your use of our website and services. Mangyaring basahin nang mabuti ang mga tuntuning ito.
Legal Agreement
Binding contract between you and KabayanLoan
Legal na kasunduan
Philippine Law
Governed by laws of the Philippines
Batay sa batas ng Pilipinas
Electronic Acceptance
Use of services equals acceptance
Paggamit ay pagsang-ayon
Sections • Mga Seksyon
Government Accreditation
Kasunduan sa Terms
Agreement to Terms
By accessing our website or services, you agree to be bound by these Terms of Service.
🇵🇭 Sa paggamit ng aming website at serbisyo, sumasang-ayon ka sa mga tuntuning ito.
Kwalipikasyon
Eligibility
You must be at least 18 years old and a Filipino citizen to use our services.
🇵🇭 Kailangan ay 18 taong gulang pataas at Filipino citizen.
Aming Serbisyo
Our Services
We provide online lending services to qualified Filipino citizens and OFWs worldwide.
🇵🇭 Nagbibigay kami ng online lending services sa kwalipikadong Pilipino at OFW sa buong mundo.
Responsibilidad ng User
User Responsibilities
You are responsible for providing accurate information and maintaining account security.
🇵🇭 Responsibilidad mong magbigay ng tamang impormasyon at panatilihing secure ang iyong account.
Bawal na Gawain
Prohibited Activities
You may not use our services for illegal activities or provide false information.
🇵🇭 Bawal gamitin ang aming serbisyo sa illegal na gawain o magbigay ng maling impormasyon.
Special Provisions for OFWs
OFWs can apply from anywhere in the world
Pwedeng mag-apply kahit saan sa mundo
No need to be physically present in Philippines
Hindi kailangan nasa Pilipinas
International payment options available
Pwedeng magbayad internationally
Sample Loan Terms • Halimbawa ng Loan Terms
| Loan Term | Monthly Rate | Annual Rate (APR) | Tagalog |
|---|---|---|---|
| 6 months | 0.5% monthly | 6% APR | 6 na buwan |
| 12 months | 0.6% monthly | 7.2% APR | 12 buwan |
| 24 months | 0.7% monthly | 8.4% APR | 24 buwan |
| 36 months | 0.8% monthly | 9.6% APR | 36 buwan |
*Rates are subject to change based on credit assessment • Nagbabago ang rates depende sa credit assessment
Important / Mahalaga: These terms are a summary. Full terms are available after account registration. By continuing to use our services, you accept these terms.
🇵🇭 Ang mga tuntuning ito ay buod lamang. Makikita ang buong tuntunin pagkatapos mag-register. Sa paggamit ng aming serbisyo, sumasang-ayon ka sa mga tuntuning ito.
Your Rights as an OFW / Karapatan ng OFW
- Right to transparent loan terms / Karapatan sa malinaw na loan terms
- Right to data privacy / Karapatan sa privacy ng impormasyon
- Right to fair collection practices / Karapatan sa patas na pangongolekta
KabayanLoan is SEC Registered, BSP Supervised, and DMW Accredited. All rights reserved. Para sa OFW, para sa Pamilya.