Terms & Conditions
General terms and conditions for all users
1. Terms

1.1 By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

1.2 We reserve the right to revise these Terms of Use from time to time with or without notice. If any such revision is unacceptable to you, only recourse is to cease from accessing the site and to cancel your account. Your continued access and use of the Site following such revision in Terms and Conditions shall mean acceptance of, and assent to, such change.

1.3 Without prejudice to other rights existing under the laws or these Terms and Conditions, the Site reserves the right to change, suspend, restrict or cancel accounts or suspend or terminate access to the Site time, with or without notice, and based solely in its discretion. The Site or its administrators shall determine any breach or violation of these Terms and Conditions, based solely in its judgement and discretion. The Site or its administrators shall not be liable to any user or third party for any modification, change or restriction pertaining to a user’s access to, or services provided by the Site.

1.4 You acknowledge and agree that activation of the feature on the Partner Platform and the reflection of an Available Credit Limit does not automatically grant you a Loan Facility and such activation and limit only reflect that you can apply for a Loan Facility to a certain amount and that we will process such application. For the avoidance of doubt, your application for a Loan Facility shall still be subject to the Lender’s approval and grant.

1.5 In using the Services, you acknowledge and agree that you are bound by the additional terms and conditions as provided under the relevant Loan Facility Agreement, which will be deemed incorporated herein by reference and made available to you by the relevant Lender prior to, or at the time of, their provision of the relevant Loan Facility to you. In the event of any conflict or inconsistency between the provisions of these Terms and Conditions and the provisions of the Loan Facility Agreement, the provisions of the latter will prevail.

1.6 You acknowledge and agree that we may allocate your Loan Facility to to any Lender at our sole and absolute discretion.

1.7 You acknowledge and agree that, where we are not the Lender under a a Facility Agreement, we act only as a Facility Manager, such as processing this feature for you and the Services and being an intermediary to bring together the Lender and the Borrower for the provision of the Loan Facility in the provision of the Services. By using the Services, you agree to the following: (a) you irrevocably appoint us as Facility Manager with the functions, rights and authorities under these Terms and Conditions, the Loan Facility Agreement and any other applicable terms and conditions (collectively, “Applicable T&Cs”) for the duration of such Applicable T&Cs; and (b) you may be charged by us with fees for our Facility Manager services, including, but not limited to, the fees provided in the Applicable T&Cs.

2. Study the Disclosure Statement

We will provide you with a Disclosure Statement or Loan Application Form before taking a loan from us. Please study the terms and conditions in this Disclosure Statement carefully before proceeding with your loan transaction.

3. Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

4. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on BillEase's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on BillEase's web site;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by BillEase at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format..
5. Viruses, hacking and other offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attach our site via a denial-of-service attack or a distributed denial-of-service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

6. Disclaimer

The materials on BillEase's web site are provided "as is". BillEase makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, BillEase does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

7. Limitations

In no event shall BillEase or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on BillEase's Internet site, even if BillEase or a BillEase authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

8. Revisions and Errata

The materials appearing on BillEase's web site could include technical, typographical, or photographic errors. BillEase does not warrant that any of the materials on its web site are accurate, complete, or current. BillEase may make changes to the materials contained on its web site at any time without notice. BillEase does not, however, make any commitment to update the materials.

9. Links

BillEase has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by BillEase of the site. Use of any such linked web site is at the user's own risk.

10. Site Terms of Use Modifications

BillEase may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

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First Digital Finance Corporation doing business under the names and styles of FDFC, Balikbayad, and BillEase is regulated by Securities and Exchange Commission as a financing company (CoA No.: 1101) and by the Bangko Sentral ng Pilipinas as Operator of Payment System (OPSCOR-2021-0007).

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