Mga Tuntunin ng Paggamit

Kredit Utang is a digital platform designed to help users discover, compare, and better understand a variety of financial products and services, including but not limited to credit cards, loans, financing options, and banking solutions offered by financial institutions in the Philippines. We aim to provide accurate, updated, and relevant information to support informed financial decision-making.

These Terms and Conditions of Use (“Terms”) apply to all users who access and/or use the services of Kredit Utang via our website or affiliated applications. Please read these Terms carefully along with our Privacy Policy, which outlines how we collect and manage your personal data in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173).

  1. DEFINITIONS

1.1. “User” refers to any individual or legal entity accessing or using Kredit Utang’s services through any means, including desktop, mobile, tablet, or other digital platforms.

  1. ACCEPTANCE

2.1. By accessing or using Kredit Utang, the User confirms they have read, understood, and agreed to these Terms and the Privacy Policy.

2.2. The User affirms they are at least 18 years of age and have full legal capacity to enter into a binding agreement.

2.3. If the User disagrees with any part of these Terms, they must discontinue use of the services immediately.

  1. CONTACT US

3.1. For inquiries, feedback, or concerns related to our services, please contact us at: [email protected].

  1. RESPONSIBILITIES

4.1. Kredit Utang provides links and access to third-party financial institutions and service providers. All product applications and services are handled directly by these third parties.

4.2. Kredit Utang is not a financial institution and does not offer financial products, conduct credit assessments, approve applications, or make lending decisions.

4.3. Users must verify all product details directly with the respective financial provider before applying or entering into any agreement.

4.4. Kredit Utang is not responsible for:

  • The terms, privacy policies, or practices of third-party websites.
  • The accuracy of information provided by external partners or advertisers.
  • Damages resulting from malware, phishing, or harmful software encountered while browsing.

4.5. Users are responsible for protecting their devices and using security software to safeguard against cyber threats.

4.6. Users agree not to:

  • Violate the rights of third parties or applicable laws.
  • Use the site for harassment, abuse, or fraudulent activities.
  • Upload or transmit harmful code or content.
  1. TERM AND LIMITATION OF LIABILITY

5.1. Kredit Utang is not liable for any indirect, incidental, or consequential damages arising from the use—or inability to use—our platform or services.

5.2. Our total liability, if any, shall not exceed the amount paid (if any) by the User to Kredit Utang for using the service.

  1. MODIFICATION OF TERMS AND CONDITIONS

6.1. Kredit Utang reserves the right to modify or update these Terms at any time without prior notice.

6.2. Continued use of the platform after such changes constitutes acceptance of the updated Terms.

  1. GOVERNING LAW AND JURISDICTION

7.1. These Terms are governed by the laws of the Republic of the Philippines.

7.2. Any dispute arising under these Terms shall be resolved by the proper courts of Makati City, Metro Manila, to the exclusion of all other venues.

Kredit Utang is a digital platform that offers financial information and product comparison services. Our platform is funded through advertising and partnerships with financial institutions. Compensation received may influence the ranking or presentation of products featured on our site.
We make every effort to ensure that the information we provide is accurate and up to date. However, product details may differ from those published on the official websites of financial institutions. Kredit Utang does not guarantee the accuracy, completeness, or timeliness of all content at all times.
Please note that Kredit Utang does not offer financial products or services directly. We do not perform credit checks, approve applications, or make credit decisions—these processes are solely handled by the financial institutions themselves. Kredit Utang does not request payments, facilitate money transfers, or charge any fees for using our services.
Users are encouraged to verify all product details directly with the relevant financial institution. We strongly advise reviewing the official terms and conditions of any financial product before applying or entering into an agreement.
For details on how Kredit Utang collects, uses, and safeguards your personal data, please refer to our Privacy Policy. By accessing and using this website, you confirm that you have read, understood, and agreed to our Terms of Use and Privacy Policy.