Terms and conditions

1. These Terms of Service (“Terms”) apply to all websites, mobile applications, plugins and financing products (each individually a “Product” and collectively the “Products”) offered by PayJoy Philippines Finance, Inc., (“PayJoy”).

2. Your use of a Product constitutes acceptance of these Terms and PayJoy’s Privacy Policy (the “Privacy Policy”), which is available at https://www.payjoy.com/privacy/. We may revise these Terms at any time and your use of a Product following such a revision constitutes your acceptance of such revised Terms. If you are using one or more Products on behalf of a company, entity or organization (each a “Subscribing Entity”), you represent and warrant that you are an authorized representative of such Subscribing Entity with the authority to bind such Subscribing Entity to these Terms and you agree to be bound by these Terms on behalf of such Subscribing Entity.

3. Use of Products may require that you enter into supplemental agreements to these Terms and the Privacy Policy. To the extent any such supplemental agreements conflict with these Terms or the Privacy Policy, the terms of such supplemental agreements shall control.

4. You represent, acknowledge and agree that (i) all information, including Personal Information (as defined in the Privacy Policy), that you provide to PayJoy for the purpose of applying for a Product or otherwise is truthful and accurate and reflects the entire extent of any such requested information that is available to you and (ii) such information is not misleading in any way.

5. You will be required to create an account with PayJoy in order to use certain features of the Products. You will be responsible for all activity that occurs under your login credentials. You agree to not share your login credentials with, or allow access to your account by, any third parties. You agree to use reasonable care to prevent unauthorized access to or use of the Products and to preserve the confidentiality of your login credentials and you agree to notify PayJoy immediately of any unintended sharing of your login credentials.

6. You may access and use the Products solely as intended through the provided functionality of each Product and as permitted under these Terms. You agree to (i) not copy, reproduce, distribute, publish, display, perform, transmit, stream or broadcast any part of the Products, including PayJoy’s trademarks, logos and other content belonging to PayJoy, without PayJoy’s prior written authorization, (ii) not bypass, circumvent, damage or otherwise interfere with any security or other features of the Products, (iii) not undertake, cause, permit or authorize the translation, reverse engineering, disassembling or hacking of any aspect of the Products, or attempt to do any of the foregoing, (iv) not access, attempt to access or tamper with PayJoy’s computer systems and infrastructure, or the technical delivery systems of PayJoy’s third-party service providers, (v) not gain unauthorized access to the Products or the accounts, computer systems or Personal Information of other users of the Products (vi) not transmit or otherwise make available any virus, worm, spyware or any other computer code, file or program that may disable, overburden, impair, damage or hijack the operation of any hardware or software used by or otherwise connected to the Products, (vii) not violate any applicable federal, state or locals laws in connection with your use of the Products, and (viii) not assist or permit any persons in engaging in any of the activities described in this paragraph.

7. The Products and all materials and information contained therein, including all intellectual property rights, are the sole exclusive property of PayJoy and third parties, as applicable. Except for the limited rights granted to you herein, no other rights are granted or will be deemed granted to you under these Terms, either expressly or by implication, estoppel or otherwise.

8. You may be able to access third-party content through the use of the Products, in which case you may be subject to third-party terms of service and/or privacy policies. You agree to abide by all such third-party terms of service and privacy policies and acknowledge that you are solely responsible for such compliance. PayJoy makes no representations or warranties regarding any third-party content, services, terms of service or privacy policies.