Effective Date: January 19, 2026
Welcome to secregisteredloanapp.com. By accessing or using this website, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using our services. If you do not agree to these terms, you must not access or use this website.
1. Acceptance of Agreement
This Terms of Use Agreement (“Agreement”) sets forth the legally binding terms for your use of secregisteredloanapp.com (the “Site”). By using the Site, you represent and warrant that you have the right, authority, and capacity to enter into this Agreement and that you are at least 18 years of age.
2. No Financial Advice or Lending Services
secregisteredloanapp.com is an independent informational and educational blog. It is crucial for all users to understand the following:
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Not a Lender: We are not a bank, a lending company, or a financial institution. We do not issue loans, process loan applications, or make credit decisions.
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Not Financial Advice: The content provided on this Site, including reviews, comparisons, and guides, is for informational purposes only. It does not constitute professional financial, legal, or investment advice.
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Independent Research: We encourage users to perform their own due diligence before applying for any financial product. Any reliance you place on the information found on this Site is strictly at your own risk.
3. Accuracy of Information
While we strive to provide the most current and accurate information regarding Securities and Exchange Commission (SEC) registered loan apps in the Philippines, the financial market changes rapidly.
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No Warranties: We do not guarantee the accuracy, completeness, or timeliness of the information provided. Interest rates, loan terms, and the SEC registration status of third-party apps may change without our knowledge.
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Third-Party Data: We often cite data from the SEC, BSP, and individual lending companies. We are not responsible for any errors or omissions in the data provided by these external sources.
4. Intellectual Property Rights
All content on secregisteredloanapp.com, including but not limited to text, graphics, logos, images, and software, is the property of the Site owner and is protected by international copyright and trademark laws.
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Personal Use: You are granted a limited, non-exclusive license to access and use the Site for personal, non-commercial purposes.
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Prohibitions: You may not reproduce, distribute, modify, or republish any content from this Site without prior written consent. Unauthorized use of our intellectual property may result in legal action.
5. Third-Party Links and Affiliates
The Site contains links to third-party websites and mobile applications (such as loan apps on the Google Play Store or Apple App Store).
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Affiliate Disclosure: Some links on this Site are affiliate links, meaning we may earn a commission if you click through or sign up for a service. This does not affect our editorial integrity or increase the cost to you.
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External Control: We have no control over the content, privacy policies, or practices of third-party sites. We do not endorse the products or services offered by these third parties.
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User Liability: Your interactions with any third-party entity found through our Site are solely between you and that entity. We shall not be responsible for any loss or damage incurred as a result of such dealings.
6. User Conduct and Prohibited Activities
By using the Site, you agree not to:
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Use the Site for any unlawful purpose or in violation of any local, state, or international law.
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Post or transmit any content that is defamatory, offensive, or infringes on the rights of others.
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Attempt to interfere with the proper functioning of the Site via viruses, malware, or any other harmful code.
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Use automated systems (bots, spiders, or scrapers) to harvest data from the Site without our express permission.
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Use the Site to solicit other users for commercial purposes not related to the financial topics discussed.
7. Disclaimer of Warranties
THE SITE IS PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS. secregisteredloanapp.com EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.
WE MAKE NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL secregisteredloanapp.com BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SITE.
ACCESS TO, AND USE OF, THE SITE IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM.
9. Indemnification
You agree to indemnify and hold secregisteredloanapp.com and its officers, employees, and agents harmless, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Site, (b) your violation of these Terms, or (c) your violation of applicable laws or regulations.
10. Privacy and Data Protection
Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information. We comply with the Philippine Data Privacy Act of 2012 (RA 10173) to ensure your data is handled with care.
11. Termination of Use
We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Site, with or without notice, for any reason, including, without limitation, breach of these Terms of Use.
12. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Makati City, Philippines, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.
13. Modifications to Terms
secregisteredloanapp.com reserves the right to change, modify, or update these Terms at any time without prior notice. The “Effective Date” at the top of this page will indicate when the latest changes were made. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.
14. Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and secregisteredloanapp.com regarding your use of the Site. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.
15. Severability
If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired, and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.
End of Terms of Use
