These Terms & Conditions of Use (the Terms) constitute the terms by which you (the User) may make use of our website, yaloan.online (the Website). Use of the Website includes but is not limited to visiting, browsing, or providing personal information to register to use the Website.
We recommend carefully reading these Terms before using the Website. They apply directly to your use of the Website. Downloading or printing a copy of these Terms for future reference is permitted. You are responsible for ensuring you are aware of the contents of these Terms and how they may influence your use of the Website.
By making use of the Website, you do confirm that you accept these Terms and agree to comply with them. If you do not agree to these Terms, we request that you exit the Website immediately and refrain from using our services.
Please see our Privacy Policy for information on how we use personal data collected through the Website. Please see our Cookies Statement contained within our Cookies Policy for details on our use of Cookies. By reference, both our Privacy Policy and our Cookies Statement are incorporated into this document.
yaloan.online is a trading name of yaloan.online Ltd, which is registered in Philippines (CS201726430) Office: Binondo, Manila, 1006, Philippines, JX4F+62, Metro Manila.
yaloan.online is owned and operated by yaloan.online Ltd.
We are not a Lender nor a Provider. Therefore, we will never provide financing directly to you. We provide an online loan matching service. We will introduce Lenders or Providers of financial services to you. By submitting an application on our Website, you give your consent for yaloan.online Ltd to match your application with one of the Lenders or Providers in our network. In real time, we will then present your application to one or more of our Lenders or Providers, depending on their lending criteria, until one of our Lenders or Providers accepts your application or all Lenders and Providers decline to accept your application. If a Lender or Provider chooses to accept your application, you will be forwarded to a page on the Lender or Provider’s Website. (If the Lender or Provider does not work online, we may present you with a screen that gives you information and contact details relating to the Lender or Provider that accepts you.)
In all cases, we will only forward you to a Lender or Provider who has looked over your application and accepted it on the basis of believing they can provide a loan to you. We may be paid a fee by the Lender or Provider for connecting you to them
There will never be any obligation for you to take the loan from them. We recommend reading each Lender or Provider’s terms and conditions carefully in order to make an informed decision on whether their offer is best for you. Should you have any doubts, we recommend contacting the Lender or Provider before agreeing to any financing with them.
Any representations of cash amounts available for borrowing, repayment periods, or interest rates given on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are not given as a quote of what the Lender or Provider will actually offer you. Therefore, they are not given as a guarantee and cannot be used as a warranty.
Due to the fact that we never provide any loans or financial services directly to you, any representative rate examples on Lender or Provider websites are entirely out of our control. In addition, the decision to offer any loan is up to the Lender or Provider; we never have any control or bearing over the decision to extend or withhold a loan.
The Lender or Provider will perform a background assessment on you before reaching any decision or extending any offer. This may or may not include a full assessment of your past and present credit history.
You are only permitted to use our iframe form and Website for lawful purposes. You are not permitted to use our Website/form:
Once you submit your application, the Lender or Provider may employ credit referencing and fraud prevention agencies to inform relevant decisions. As credit checks and credit reference agencies aid in preventing fraudulent applications, we ask you to agree to this use of your data and to ensure your identity is protected.
You must always provide accurate and true information. Misleading information will be regarded as a knowing breach of our terms. It is also likely to breach any Lender or Provider agreement. Knowingly providing misleading information may result in criminal charges.
If any third parties have been authorized by you to act on your behalf, any information that third party gives will be contractually binding on you. Should you choose to submit a joint application for financing or a loan via the Website, each party will be dealt with as a client acting with one another’s consent. If one party of the joint application enters into and receives correspondence, it shall be assumed that any and all communication is with both parties.
We will only process information about you (including but not limited to your visits to the Website), in accordance with our Privacy Policy. By using oru Website and form, you consent to us processing your personal information. Therefore, you also warrant that all data and information provided by you is true and accurate.
We may communicate with you by telephone, SMS, post, email and/or automated messages to provide alerts relating to your application, information, and/or services that may be of interest to you.
The Website & form is operated and controlled in the Republic of the Philippines. These Terms along with any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of the Republic of the Philippines. You irrevocably agree to yield to the exclusive jurisdiction of the Philippine courts by using the Website.
If you wish to assert your right to be forgotten and request the removal or deletion of your personal information, please write email [email protected].
We strive to ensure that our service to you is always satisfactory. However, should you wish to submit a formal complaint, please email [email protected].