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Terms and Conditions

PHcreditcheck is a community resource website for Philippine-based lending companies. Our goal is to warn our members against people with liability who have disappeared. Before you register with us, please read our Terms of Use first. Once you become a member, it implies that you understood , accepted and will abide with the conditions listed below.

Terms of Website Use

By accessing this website, you agree to be bound by the following Terms and Conditions of Use provided to you herein. If you wish not to be bound by these terms and conditions of use, you may not access or use this site and any of the materials contained therein.

The terms “Website” or “Site” refer to this website “We”, “Our”, “Us” or “Company” refer to []. “You”, “Yours”, or “Users” refer to you, the user accessing this website and the material and services featured therein.

User Eligibility offers accessibility and services to individuals or corporate entities who are of the legal age of eighteen (18) years and eligible into entering legally binding contracts under applicable law.

Use License

Upon visiting this website, you are granted a non-exclusive, non-transferable, revocable and limited license to use this website in accordance to these terms and conditions of use. This license grants the user to use this website for personal and non-commercial use only. Users are also permitted to download one (1) copy of any material for personal and non-commercial use only.

Under this limited license, the user may not:

  • modify or copy materials from the website
  • remove any trademark, patent, copyright, or other proprietary notations from any of the materials featured on this website
  • attempt to reverse engineer any element on this website
  • “frame”, “mirror”, or decompile any element on this website
  • transfer materials or rights to materials to another person or server

If any of the aforementioned restrictions are violated by the user, this temporary license shall be terminated effective immediately. The user shall lose all privileges of using the website and shall destroy all copies of downloaded material, whether electronic or in print

User Conduct

Users can access and utilize the website and the services, but with limitations:

  • Users shall not use any portion of for uploading, posting, insinuating, transmitting, or otherwise making available any kind of material that may be threatening, hateful, harmful, abusive, vulgar, pornographic, obscene, libelous, or otherwise objectionable.
  • Users shall not include incomplete, false, or inaccurate information about your own identity, or about the identity of other individuals or corporate entities.
  • Users shall not upload, post, transmit, or otherwise make available any kind of malware or any other computer programming routine that intend to cause damages of any kind, interfere with, or intercept the website, the services and materials contained therein, transactions, or any system and personal information.


This website is provided to you “as is”. All warranties, implied or expressed, are disclaimed to the fullest extent permissible pursuant to applicable laws which include but not limited to any warranties of merchantability, non-infringement of intellectual property, and/or fitness for a particular purpose. does not warrant that the information and services presented on our website will meet your requirements or demands; or are accurate, current, and complete; or are secure, error-free, free from malware and other harmful components. does not ensure the accuracy of the information contributed by users, and corporate entities featured on this website. Using contributed information from users and other third-party entities is entirely at your own risk.

Limitation of Liability

As a visitor to this website, you acknowledge and agree that any use by you of any material or information on this website is entirely at your own risk. At no event shall be liable for any kind of damage to you or any third party including, but not limited to damage for loss of profits, goodwill, use, data, and other intangible losses ( are not liable for such damages even if we have been advised of the possibility of such damages) arising from the ability or inability to use the website and the features contained therein.

Intellectual Property

All materials appearing on this website which include, but are not limited to texts, graphics, logos, icons, buttons, Flash animations, images, profiles, records, are the respective property of, our suppliers, and their respective owners. All materials are protected by applicable intellectual property laws including but are not limited to domestic and international copyright.

No portion of this website shall be reproduced in any form or by any means unless otherwise permitted by these terms of use.

Third-party Links

The website may contain links that direct to third-party websites maintained and operated by entities not related to We have not reviewed all of the links featured on the website, and are not responsible for any form of damage that may arise from accessing the said links. Access and usage of such links is solely at the user's risk.

The inclusion of links appearing on does not necessarily imply any kind of endorsement or affiliation from the company.


You agree to indemnify and each of its members, employees, and officers harmless from and against any and all claims, expenses, damages, suits, costs, demands, and judgments, made arising out of the ability or inability to use the site and its services, breach of theses Terms and Conditions of Use, and/or the Privacy Policy.

Revisions and Errata may include technical, typographical, or photographic errors. The company does not warrant that the information appearing on the website is accurate, current, nor complete. We are not committed to provide changes and improvements to this website.

Applicable Law

Any claim relating to shall be governed by the laws of Manila, Philippines without regard to its conflict of law provisions.

Member Companies