Terms of Use

By accessing or using kumperaloan.com, you agree to be legally bound by these Terms of Use. If you do not agree, please do not use this website.

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and KumperaLoan ("we," "us," or "our") regarding your use of kumperaloan.com and all related services. These Terms apply to all visitors, users, and others who access the site. We reserve the right to modify these Terms at any time without prior notice. Continued use of the site after any modification constitutes acceptance.

2. Description of Service

KumperaLoan provides a free loan comparison and matching service that:

• Collects user contact information and loan amount to facilitate referrals to partner lenders
• Redirects users to SEC-registered partner lender websites to complete loan applications
• Displays information about microloan products offered by third-party partner lenders
• Provides educational content about borrowing and personal finance in the Philippines

KumperaLoan does not evaluate creditworthiness, make lending decisions, guarantee loan approval, set interest rates, or disburse funds. All of these are determined solely by the respective lending partners.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a Filipino citizen or legal resident of the Philippines
• Provide accurate, complete, and truthful information
• Have the legal capacity to enter into binding contracts under Philippine law

4. User Responsibilities and Prohibited Conduct

By using this site, you agree to:

• Provide accurate and truthful information in all forms and submissions
• Not use the service for any unlawful, fraudulent, or deceptive purpose
• Not submit false, fabricated, or misleading personal information
• Not attempt to access, tamper with, disrupt, or reverse-engineer any part of the site's infrastructure
• Not scrape, copy, or reproduce site content without express written permission
• Read, understand, and accept the terms and conditions of any loan product before applying
• Borrow only what you can realistically afford to repay

Violation of these responsibilities may result in termination of access and legal action where applicable.

5. Affiliate Relationship Disclosure

KumperaLoan receives referral commissions from partner lenders when users apply for or are approved for a loan through our platform. This commercial relationship does not influence the information we present, the order in which lenders are displayed, or the loan terms offered to you. The rotation of lenders shown to users is based on maximizing approval chances, not commission rates. This disclosure is made in compliance with applicable consumer protection standards and BSP Circular No. 1048.

6. Accuracy of Information

We strive to keep lender information (rates, requirements, loan amounts, processing times) accurate and current. However, lenders may change their products without notice to us. Always verify current loan terms directly with the lender before completing any application. The information on this site is for general informational purposes and does not constitute financial, legal, or investment advice.

7. No Financial Advice

Nothing on this website constitutes financial advice, credit advice, or a recommendation to apply for any particular loan product. Use of this platform does not create any professional or advisory relationship between you and KumperaLoan. You should independently assess your financial situation and seek professional advice if needed before taking on debt.

8. Intellectual Property

All content on kumperaloan.com — including text, graphics, logos, code, and design — is the intellectual property of KumperaLoan or its content licensors. You may not reproduce, distribute, modify, or use any content without express written permission, except for personal, non-commercial use.

9. Limitation of Liability

To the maximum extent permitted by Philippine law, KumperaLoan shall not be liable for:

• Any loan rejections, unfavorable loan terms, or lender decisions
• Financial loss or harm resulting from reliance on information presented on this site
• Any direct, indirect, incidental, special, or consequential damages arising from use of this site
• Third-party actions on partner lender websites after redirection
• Temporary or permanent unavailability of this website
• Unauthorized access to or alteration of your data resulting from circumstances beyond our reasonable control

This limitation of liability does not apply to damages caused by gross negligence or willful misconduct on our part.

10. Responsible Borrowing Notice

We encourage all users to borrow responsibly. Before taking any loan:

• Only borrow what you genuinely need and can comfortably repay
• Understand the total cost of credit including all interest and fees
• Have a clear repayment plan in place before committing
• Consider all available alternatives before borrowing

If you are experiencing difficulty with debt, contact the Bangko Sentral ng Pilipinas (BSP) Consumer Assistance at bsp.gov.ph or call (02) 8708-7087.

11. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from these Terms or your use of the site shall be subject to the exclusive jurisdiction of the appropriate courts in the Philippines. Both parties agree to attempt good-faith resolution before initiating formal proceedings.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and KumperaLoan regarding use of this site and supersede all prior agreements or understandings.

14. Contact

For questions about these Terms: legal@kumperaloan.com · kumperaloan.com