HOME CREDIT ONLINE PORTAL SPECIFIC TERMS AND CONDITIONS
**I. GENERAL TERMS AND CONDITIONS** 1.1 Thank you for your interest
in Home Credit’s web services programs and we welcome you to the
Home Credit Online Portal (“Online Portal”). Please read these Terms
and Conditions (“Agreement”) carefully, as they are the legal
agreement between you (“you”) and HC Consumer Finance Philippines,
Inc. (“Home Credit,” “we,” or “us”). By checking the box indicating
your acceptance, you agree to be bound by this Agreement. If you are
paying on behalf of another individual, then you represent that you
have the authority to legally bind such individual or account holder
to this Agreement. The purpose of the Online Portal is to enable our
clients to do shopping and payment transactions, while availing of
benefits connected to the usage of our products and services. Thus,
all information and media regarding products and services disclosed
in the Online Platform, whether offered by Home Credit or any of its
partners, are being made available for the purpose of helping
clients complete their transaction through this platform. By
accepting this Agreement, you agree that you are accessing the
Online Portal for the purpose of doing these aforementioned
transactions. If you do not accept this Agreement, you may not use
or access the Online Portal. Please review the definitions section
of this Agreement to familiarize yourself with terms used herein.
1.2 The terms “you” and “your” refer to users of the Service, as
Cardholders, Account Holders and other users. 1.3 These Terms and
Conditions shall be effective, valid and binding from the time that
you agreed to it and will exist up to the time that it is terminated
by you or us, save for some provisions which shall remain effective
after termination as stated in this Terms and Conditions and
applicable laws, rules or regulations. **II. DEFINITION OF TERMS**
2.1 Account Holder – refers to an individual who uses the Home
Credit Online Portal and whose name appears on the online form, or
signed enrollment form or application form, or the Card, as may be
applicable. Refers also to the Principal Account Holder. 2.2 Card –
refers to the ATM Card which is specifically used for the payment of
goods and services. 2.3 Online Portal – refers to the Mobile
Application or website. 2.4 Home Credit – refers to HC Consumer
Finance Philippines, Inc. 2.5 Home Credit Loan Account Number–
serves as your reference number when paying your loan payments in
Home Credit Loan. 2.6 Home Credit Reference Number – refers to the
proof of payment upon completion of transaction and receipt of
payment. 2.7 Mobile Application – refers to My Home Credit
Philippines application accessible through Google Play or any other
compatible system. 2.8 Subscription – refers to the Account Holder’s
act of enrolling his/her account in Home Credit Online Portal for
auto debit arrangement until full settlement of the loan. 2.9
Unsubscription – refers to the removal of your account in the Home
Credit Online Portal. 2.10 Services – refers to the act of
processing and accepting of loan payments in the Home Credit Online
Portal, or any other incidental and related activities or facilities
in the Online Portal. These activities or facilities include, but
are not limited to: (a) Mobile App Account Creation and Maintenance;
(b) Product Loan Application and Management; (c) Cash Loan
Application and Management; (d) Application for a Product Loan using
our Marketplace Facility; (e) Credit Card Application and
Management; (f) Claiming of Smile Rewards; (g) Reading of Published
Articles; and (h) Playing In-app Games (i) Home Credit Qwarta (HC
Qwarta) Application and Management. 2.11 Third Party – refers to
contractors, suppliers, or vendors of Home Credit whose products and
services support or are used in the Home Credit Online Portal. 2.12
Transaction – refers to the payment or transfer of funds (whether
one time-payment or recurring or installment payment until full
settlement of the loan), or any activity involving the Services or
facilities in the Online Portal. 2.13 Transaction Amount – refers to
the loan or loan installment and the applicable payment processing
fees and charges, which an Account Holder pays in order to effect
the Transaction. 2.14 Transaction Request – refers to the request of
an Account Holder to effect a Service in his/her account. 2.15 Home
Credit Pay (HC Pay) – refers to the payment for goods and services
from 3rd party merchant partner applications or websites using the
HC Pay facility in the Home Credit mobile application. **III.
GENERAL TERMS OF SERVICE** 3.1 . When you submit a Transaction
Request, you are requesting that we process the Transaction on your
behalf and consenting to the execution of the Transaction. We may,
in our sole discretion, choose whether or not to accept the
processing of that Transaction. If the transaction could not be
processed in the Home Credit Online Portal, you will be promptly
notified of such unsuccessful processing. 3.2 Home Credit reserves
the right to modify, suspend, stop or terminate any of its Service
without notice, at any time and from time to time. 3.3 You will not
use any device, software or routine to interfere or attempt to
interfere with the proper working of the Service or any Instruction
being conducted through the Service. 3.4 Home Credit reserves the
right to verify any activity that is done through the Services,
especially if it involves compliance with the AML or with other
laws, rules or regulations. 3.5 Delivery times as stated in our
service levels or elsewhere on our website or collaterals are
representative of a “normal” or average service and are not a
guarantee of an individual Service or transaction time. 3.6 We will
attempt to process Transactions promptly, but any Transaction may be
delayed or cancelled for a number of reasons including but not
limited to: our efforts to verify your identity; to validate your
Transaction instructions; to contact you; or due to variations in
business hours and currency availability; or otherwise to comply
with applicable law. 3.7 We may, in our absolute discretion, refuse
or cancel Transaction Requests if: (a) Home Credit is unable to
verify your identity; (b) You do not comply with information
requests pursuant to clause 3.4; or (c) Home Credit reasonably
believes you are using the Service, or allowing it to be used, in
breach of these Terms and Conditions or any applicable laws, rules
or regulations. 3.8 If we have executed the Transaction in
accordance with the instructions you have provided to us, and that
information proves to have been incorrect, we are not liable for the
incorrect execution of the Transaction. We will however make
reasonable efforts to recover the funds. We may charge you a
reasonable fee, reflective of our efforts, to do so. Unless there
are exceptional circumstances, no adjustment will be made for any
currency fluctuations which may have occurred between the time you
pay us the Transaction Amount and the time of credit. 3.9 Home
Credit shall have the right to automatically suspend or block the
transaction and/or the Online Portal account in the event that Home
Credit has reason to believe that the transaction may be illegal or
used for fraudulent or suspicious businesses or by an unauthorized
person. 3.10 Fees and other charges shall be in accordance with the
Table of Fees and Charges as shown in (web link), and which fees may
be subject to periodic changes upon the sole discretion of Home
Credit, or in accordance with applicable laws, rules, and
regulations. The applicable fees and charges will be made effective
ten (10) calendar days after its publication in the website. The
customer agrees to these fees and charges, and is charged with the
obligation to check the same in the website from time to time. 3.11
In order to comply with our obligations under relevant laws, we
reserve the right to ask for further information or evidence
relating to the purpose of a Transaction. 3.12 Account Holder
authorizes Home Credit and/or any of its authorized representatives
to disclose to third parties any and all information Account holder
has provided and consent to the use and processing of such
information by Home Credit and or any of its agents or third parties
with the transaction or any investigation in relation thereto. 3.13
The terms and conditions of use governing the use of HC Pay shall be
governed by the following: • For HC Credit Card: Credit Card Terms
and Conditions:
https://homecredit.ph/wp-content/uploads/2020/12/Credit-Card-Terms-and-Conditions.pdf
Furthermore, in the event of conflict between the applicable Terms
and Conditions of the Home Credit mobile application, and the
specific terms and conditions of the different payment options under
HC Pay, the specific terms and conditions of the different payment
options shall prevail. This list shall be updated from time to time
in order to reflect additional payment options, as well as their
corresponding terms and conditions. 3.14 The terms and conditions of
use governing the use of HC Qwarta shall be governed by the
following: • For HC Qwarta Terms and Conditions:
https://homecredit.ph/qwarta/wp-content/uploads/2021/07/Qwarta-Terms-and-Conditions.pdf
Furthermore, in the event of conflict between the applicable Terms
and Conditions of the Home Credit mobile application and the
specific terms and conditions under HC Qwarta, the specific terms
and conditions HC Qwarta shall prevail. **IV. USER’S OBLIGATIONS**
4.1 You agree to abide by the obligations stated under this
paragraph. 4.2 You agree not to use any “deep-link”, “page-scrape”,
“robot”, “spider” or other automatic device, program, algorithm or
methodology, or any similar or equivalent manual process, to access,
acquire, copy or monitor any part of the Services, or in any way
reproduce or circumvent its navigational structure or presentation,
as well as to obtain or attempt to obtain any material, document or
information through any means not purposely made available through
the Services. 4.3 You agree not to gain or attempt to gain
unauthorized access to any part or feature of the Services or to any
other system or network connected to the Services. You also agree
not to gather, harvest, or otherwise collect information about
others using the Services without their explicit informed consent;
nor restrict, prevent or prohibit any other party from using the
Services, including but not limited to such actions which may tend
to discourage others from using the Services, such as stalking,
doxxing or the unauthorized collection with subsequent malicious
disclosure of personal information of others, flaming or the lashing
out at other parties, spamming or the sending of unsolicited
information, advertisement or content, flooding or the sending of
repetitive message, trolling or the use of insulting or deliberately
divisive information, material or content, other forms of
annoyances, and the like. 4.4 You agree not to circumvent, disable,
or otherwise interfere with security-related features of the
Services, including those that prevent or restrict use or copying of
any content, material or information available on or through the
Services, as well as those that enforce limitations on the use of
the Services. 4.5 You agree to use or access the Services for your
information and personal use solely as intended through the provided
functionality of the Services. You agree not to copy or download any
material or content from or through the Services unless such copying
or downloading is explicitly allowed by a visible manifestation
thereof such as a “download” button or a similar link ostensibly
displayed. You further agree not to engage or attempt to engage in
the use, copying, transmission, broadcast, display, distribution or
sale of any of the contents, material or information available on or
through the Services, including user comments and the like, other
than as expressly permitted herein, or as explicitly indicated in
the Services, including use thereof for commercial purposes. 4.6 You
agree that you will not take any action that imposes an unreasonable
or disproportionately large load on the infrastructure of the
Services or its systems or networks, or any systems or networks
connected to the Services. 4.7 You agree not to incorporate any word
in your name, message identification, or custom user title that is
defamatory, obscene or profane, or which violates any trademark,
service mark, or other intellectual property rights of any third
party, including that of Home Credit. You likewise agree not to use
any trademark, trade name, service mark, or logo in a way that is
likely or intended to cause confusion about the owner or authorized
user of such marks, names or logo. 4.8 You agree not to use any
device or routine to interfere or attempt to interfere with the
proper working of the Services or any transaction being conducted
using the Services, or with any other person’s use of the Services.
You agree that you will not engage in any activity that interferes
with or disrupts the Services or the servers and networks which are
connected to the Services. 4.9 You undertake to provide us with: (a)
true, accurate current and complete evidence of your identity, and
promptly update your personal information if and when it changes;
(b) provide us with any identity documentations as may be requested
by us; (c) provide us with details of one or more Home Credit Loan
Account Number; and (d) any other information including but not
limited to your account details, credit card or debit card number
that must be provided for the Service to be properly executed, as
specified when you enter the details of the Service you are
interested. 4.10 Once you confirm the Transaction, Home Credit shall
proceed with the Transaction, and you cannot cancel nor reverse such
transaction. In meritorious circumstances, you may request for
cancellation or reversal of the processed one-time transaction, by
calling Home Credit’s customer service hotline no. (02) 7753 5711.
Home Credit shall process cancellation or reversal only arising from
overpayment or mis-posted payment including wrong or incorrect
biller. 4.11 By subscribing to the Online Portal or Mobile
Application for recurring or monthly installment, you hereby agree
and authorize Home Credit to debit your account on your recommended
due date. In case your account has insufficient balance during your
recommended due date, you further authorize Home Credit to debit
your account again in the succeeding days until payment is received.
4.12 You may cancel or unsubscribe your recurring or installment
payment at any time, provided that it shall be done in the Online
Portal or Mobile Application only and accomplished at least one (1)
day prior to your recommended due date. In case you cancel or
unsubscribe during your recommended due date, the cancellation shall
take effect on the next recommended due date. 4.13 You agree not to
use the Services for any purpose that is illegal, unlawful or
prohibited by these Terms and Conditions, or to solicit the
performance of any illegal activity or other activity which
infringes on the rights of Home Credit or others. You further agree
not to modify, rent, lease, loan, sell, distribute or create
derivative works based on any content, material or information,
either in whole or in part, available on or through the Services,
unless you have been specifically permitted to do so by Home Credit
or by the owner of that content, material or information in a
separate agreement. **ACCEPTABLE USE POLICY** **YOU AND THE
SERVICES** 4.14. You agree not to alter, modify, or cause the
alteration or modification, of the Services, without prior written
consent from Home Credit. You further agree not to use the Services
for any commercial use, without prior written authority from Home
Credit 4.15. You agree not to probe, scan or test the vulnerability
of the Services or any network connected to it, and not to breach
the security or authentication measures on the same. You agree not
to reverse look-up, trace or seek to trace any information on any
user of or visitor to the Services, or any other customer of Home
Credit including any account maintained with the Services not owned
by you, to its source, or exploit the Services or any information
made available or offered by or through the Services, in any way
where the purpose is to reveal any information, including but not
limited to personal identification, other than your own information.
4.16. You agree to use or access the Services for your information
and personal use solely as intended through the provided
functionality of the Services. You agree not to copy or download any
material or content from or through the Services unless such copying
or downloading is explicitly allowed by a visible manifestation
thereof such as a “download” button or a similar link ostensibly
displayed. You further agree not to engage or attempt to engage in
the use, copying, transmission, broadcast, display, distribution or
sale of any of the contents, material or information available on or
through the Services, including user comments and the like, other
than as expressly permitted herein, or as explicitly indicated in
the Services, including use thereof for commercial purposes. 4.17
You agree that you will not take any action that imposes an
unreasonable or disproportionately large load on the infrastructure
of the Services or its systems or networks, or any systems or
networks connected to the Services. **YOU AND USER CONTENT** 4.18
You agree to and hereby undertake the sole responsibility and hold
Home Credit free of liability to you or to any third party, for any
User Content that you create, upload, transmit, or display while
using the Services. You agree and hereby undertake sole
responsibility for the consequences of your actions and interactions
using the Services, and hereby stipulate admission of liability to
Home Credit for whatever loss or damage Home Credit may suffer as a
consequence of your use or misuse of the Services. 4.19 You agree
not to share, create, upload, transmit or display using the Services
any material, information, or User Content which is or may be
covered by copyright, patent, trade secret, trademark, trade name,
service mark or any property rights, including privacy and/or
publicity rights, unless you have the necessary licenses, rights,
consents, and permissions to use and to authorize Home Credit to use
any and/or all User Content that you create, upload, transmit, or
display using the Services. 4.20 You agree not to use fictitious
name and concealing true name for the purpose of concealing crime,
evading the execution of a judgment or causing damage. 4.21 You
agree not to share, create, upload, transmit or display using the
Services any material, information, or User Content which: infringes
on the intellectual property, privacy, and/or publicity rights of
any third party; is knowingly false and/or defamatory, inaccurate,
abusive, vulgar, hateful, harassing, obscene, indecent,
pornographic, profane, threatening, racist, gruesome, offensive to
public morals, invasive of another’s privacy, or otherwise violative
of any rule, regulation, or law; contains any viruses, Trojan
horses, worms, time bombs, bots, any malware, or any computer
program, code, or routine that may or is intended to damage,
detrimentally interfere with, surreptitiously intercept or
expropriate any system, data or personal information; and/or that
which promotes or abets piracy. You further agree not to engage in
pyramid, ponzi or similar schemes or other damaging schemes in the
future; not to start or forward chain letters; and not to conduct or
aid in the conduct of surveys, contests, petitions, and the like,
using the Services, unless the Services has been specifically
designed and explicitly made available for such purpose. 4.22 You
represent, warrant and affirm that you own or that you have the
necessary licenses, rights, consents, and permissions to use and to
authorize Home Credit to use, reproduce, adapt, modify, translate,
publish, publicly perform, publicly display, distribute, or transmit
over public networks and in various media any and/or all User
Content that you create, upload, transmit, or display using the
Services, as you hereby authorize and grant Home Credit perpetual,
irrevocable, worldwide, royalty-free and non-exclusive right,
license, consent and permission to use, reproduce, adapt, modify,
translate, publish, publicly perform, publicly display, distribute,
or transmit over public networks and in various media any and/or all
User Content which you may create, upload, transmit, or display
using the Services, in a manner Home Credit may deem fit and
necessary, including but not limited to making such User Content
available to a third party in compliance with a requirement of law,
a rule or regulation, or making such User Content available to any
third party for its use, reproduction, adaptation, modification,
translation, publication, public performance, public display,
distribution or transmission. You likewise hereby irrevocably agree,
affirm and warrant to hold Home Credit free from any liability, both
under equity and the law, arising or that may arise out of its use
of your User Content or the use of your User Content by a third
party to which Home Credit made available your User Content. 4.23
Unless otherwise agreed in writing with Home Credit you hereby agree
to and acknowledge sole responsibility for protecting and enforcing
any proprietary rights you or your principal may have on any User
Content made available through the Services. You further
acknowledge, agree, and admit that Home Credit is not responsible
for the actions of other users or any third party and hereby free
Home Credit and waive in its favor any or whatever right or claim
you or your principal may have against Home Credit relative to any
User Content which you or a third party may create, upload, transmit
or display using the Services. 4.24 You agree that by supplying its
personal information for the purpose of availing yourself of the
Service, you expressly consent to the processing of its supplied
personal information for the purpose of creating and maintaining
your account. Such consent includes authorization for Home Credit to
disclose, exchange, and release the said information to its
associates, affiliates, subsidiaries, officers, employees, agents,
lawyers and other consultants, pre-paid/debit/credit bureaus or any
such persons as Home Credit deems necessary, or as required by law,
rule or regulation. **V. RESERVED RIGHTS** 5.1 You understand and
agree that Home Credit reserves the right, at its sole discretion
but without obligation, to deny access to and / or discontinue the
Services or any component thereof to anyone at any time, temporarily
or permanently, without giving any reason and/or prior notice to
you. You hereby irrevocably agree, affirm and warrant to hold Home
Credit free from any liability, both under equity and the law,
arising or that may arise out of any such denial of access to or the
discontinuance of the Services. 5.2 You understand and agree that
Home Credit reserves the right, at its sole discretion but without
obligation, to collect, screen, review, flag, filter, modify, block,
refuse or remove any and/or all information provided by any user,
explicitly or implicitly to and through the Services, including but
not limited to hardware information, IP address, browser-type
related information, cookies and the like. You hereby irrevocably
agree, affirm and warrant to hold Home Credit free from any
liability, both under equity and the law, arising or that may arise
out of any such collection, screening, review, flagging, filtering,
modification, blocking, refusal or removal of any and/or all
information provided by any user to and through the Services. 5.3
You understand and agree that Home Credit reserves the right, at its
sole discretion but without obligation, to enhance, improve, develop
and introduce new features and functionalities to the Services at
any time and without prior notice. You hereby understand, agree, and
affirm that any such enhancement, improvement, development, new
feature and/or new functionality to the Services shall form part of
the Services as defined herein and thus shall likewise be covered by
these Terms and its subsequent revisions or amendments, as
applicable. 5.4 You understand and agree that Home Credit reserves
the right, at its sole discretion, to verify, check, cross-refer,
validate, and ascertain the veracity and truthfulness of all
information supplied by you by acquiring, accessing, retrieving, or
otherwise acquiring similar or additional information supplied by
you to other third-party service providers, including, but not
limited to telecommunications providers, etc. You hereby expressly,
unequivocally, and voluntarily allow Home Credit to request for and
secure such information, and expressly, unequivocally, and
voluntarily instruct such third-party providers to: (a) receive and
process Home Credit Philippine’s request; (b) favorably act at all
times on any such request by producing the information requested;
and (c) when requested by Home Credit provide the latter with
certified digital or printed copies of the said information. 5.5 You
understand and agree that Home Credit reserves the right, at its
sole discretion but without obligation, to send you or cause to send
you service updates and/or messages, including SMS, notifications,
email and/or any data message transmission, informing you of
enhancements, improvements, developments, features, functionalities,
products, promotions, offers, advertisement and/or any other
information relative to the Services and Home Credit. Home Credit
makes no warranty of any kind, express or implied, for such service
updates and/or messages, but you hereby agree to receive such
service updates and/or messages and hold Home Credit free from any
liability and/or claims for indemnification or damages that may
arise there from. 5.6 You understand and agree that Home Credit
reserves the right, at its sole discretion but without obligation,
to set limitations to and charge fees and applicable taxes for the
use of the Services, at any time and without prior notice. You
further understand and agree that Home Credit reserves the right, at
its sole discretion and under no obligation, to change the
applicable fees, taxes and charges levied for the use of the
Services, at any time and with prior written notice to you sixty
(60) days prior to effective date of change in fees / charges
/penalties. 5.7 You understand and agree that Home Credit reserves
the right, at its sole discretion but without obligation, to change,
modify or amend these Terms and Conditions without prior notice. You
hereby understand, agree, and affirm that it shall be your sole
responsibility to be aware of any such change, modification or
amendment, which shall take effect immediately upon publication the
same way as this original Terms has been published, or upon its
availability through the Services and which shall bind you as soon
as you use or access the Services regardless of whether or not you
are already aware of such change, modification or amendment. 5.8 You
understand and agree that Home Credit reserves the right, at its
sole discretion but without obligation, to enforce the provisions of
these Terms. Non-enforcement of any of the rights of Home Credit
under these Terms, under the law or under principles of equity shall
not be construed as a waiver thereof. Likewise, no subsequent course
of action by Home Credit by you, and/or by any third party,
individually or collectively, shall not operate and shall not be
construed to operate as abandonment, amendment, or modification of
these Terms. You likewise hereby declare, affirm and undertake the
sole obligation to indemnify Home Credit or any third party for any
damage Home Credit or said third party may sustain as a result of
your use of the Services. 5.9 You understand and agree that Home
Credit reserves the right, at its sole discretion but without
obligation, to limit the provision, availability, quantity and
quality of any feature, product or service to any person or to
anyone within the same geographic area, demographic profile, or any
other market, commercial, and/or trading segments. You likewise
understand and agree that Home Credit reserves the right, at its
sole discretion but without obligation, to administer and operate
any and/or all of the Services from any or various locations outside
the Republic of the Philippines. You further understand, agree and
hold Home Credit free from any liability arising therefrom, that not
all features, products, or services discussed, referenced, provided
or offered through or in the Services are available to all persons
or in all geographic locations, or are appropriate or available for
use outside the Republic of the Philippines. Any part or the whole
of the Services or these Terms are void where prohibited. You hereby
understand, agree, and undertake sole responsibility for your
continued access to or use of the Services, as well as the results
or consequences of such access and use, including the responsibility
for compliance with applicable local laws and the sole liability for
non-compliance or breach thereof. **VI. THIRD-PARTY CONTENT AND
SERVICES** 6.1 The Services contains content provided by third party
services and resources. You acknowledge and agree that we are not
responsible or liable for: the availability or accuracy,
appropriateness, completeness or non-infringement of such
Third-Party Services; or the content, products, or services
available on or through such Third-Party Services. The availability
of such Third-Party services does not imply any endorsement by us of
such Third-Party services or the content, products, or services
available therefrom. 6.2 You may not remove, alter or obscure any
copyright, trademark, service mark or other proprietary rights
notices incorporated in or accompanying the application and the
services or in any Third-Party Services. 6.3 Home Credit makes no
representation or warranties whatsoever about any service, content
and / or any other resources provided by the Third Party. **VII.
FEES, RATES, AND OTHER CHARGES** 7.1 You agree to pay fees, rates
and other charges and applicable taxes, related to the Service and
its use, as may be imposed by Home Credit and/or Third Party. 7.2
All Fees are non-refundable. 7.3 Fees and other charges, as may be
applicable, shall be inclusive of all applicable Philippine taxes
and shall be debited from the Account Holder’s Card or paid upfront.
7.4 The amount of fees and charges may be revised from time to time
as Home Credit may deem necessary. **VIII. GOVERNING LAW** This
Terms and Conditions shall be construed and governed in accordance
with the laws of the Philippines. **IX. VENUE OF LITIGATION** Venue
of all suits shall exclusively be at Taguig City only to the
exclusion of all other courts. **X. NON-WAIVER OF RIGHTS** Failure,
omission, or delay on the part of Home Credit to exercise its right
or remedies under these Terms and Conditions shall not operate as a
waiver. Any such waiver shall be valid only when reduced in writing
and delivered to the Account Holder. **XI. SEPARABILITY CLAUSE**
Should any term or condition in this Agreement be rendered void,
illegal or unenforceable in any respect under any law, the validity,
legality and enforceability of the remaining terms and conditions
shall not be affected or impaired thereby. **XII. AMENDMENTS** Home
Credit may at any time and for whatever reason it may deem proper,
amend, revise, or modify these Terms and Conditions without further
notice. It is the Account Holder’s responsibility to regularly check
any changes to these Terms and Conditions at www.homecredit.ph. The
Account Holder’s continued use of the Home Credit service after any
such changes constitutes acceptance of the new Terms and Conditions.
Failure to notify Home Credit of Account Holder’s intention to
terminate his/her account shall be construed as acceptance by the
Account Holder of the amendments to these Terms and Conditions. In
case of inconsistency in the Home Credit General Terms and
Conditions and the Home Credit Online Portal Specific Terms and
Conditions, the provisions in this Specific Terms and Conditions
shall prevail. **XIII. NOTICES** All notice requirements shall be as
stated in this Terms and Conditions. If Home Credit is required to
send notice to you, it shall do so through SMS, email, or registered
mail which shall be sent to your registered address. **XIV.
COMPLAINTS HANDLING PROCEDURE** Our customer's financial questions,
needs and feedbacks are very important. If you have any complaints,
concerns about a procedure or have encountered a problem with our
service or any of our products, you may contact our Customer Service
number: (02) 7753 5711, or e-mail us at info@homecredit.ph with the
subject – “Complaint – (your account number)”. You have our
assurance that we will handle your concerns with utmost
confidentiality and will strive to resolve them as soon as possible.