Terms and Conditions

  1. Effective date: March 30, 2023

    Welcome to our Cebuana Lhuillier Financing Corp. (CLFC) Website, owned and operated by PJ Lhuillier Group of Companies (“us” or “we”), which provides various financing products and solutions. Please read these Terms of User (Terms) as you use the website. The following Terms shall govern the terms under which you may access the CLFC website, and the services associated with it.

    Please also read our Privacy Policy and Acceptable Use Policy before you use any portion of the CLFC Service. The Privacy Policy describes how your personal data is collected, used and processed when you use the CLFC Service. If you do not understand or do not wish to be bound by the Terms and/or Privacy Policy, you should not access or use any portion of the CLFC Service.

    The Terms shall be effective, valid and binding from the time you agreed to it and will exist up to the time that it is terminated by you or us, save for those provisions that will remain effective after termination as stated in the Terms, laws or regulations.

    CLFC reserves the right to modify these Terms at any time without any advance notice. Any changes to these Terms will be effective immediately upon posting on this page, with an updated effective date. By accessing or using the CLFC Service after any changes have been made, you signify your agreement on a prospective basis to the modified Terms of Use and all the changes. Be sure to turn to this page periodically to ensure familiarity with most current version of the Terms.

    Any version of these Terms in a language other than English is provided for convenience and you understand and agree that the English language version will control if there is any conflict.

    Under these Terms, the terms, “we”, “us”, and “our” refer to CLFC together with its parent company, subsidiaries, employees, directors, affiliates, successor and assigns.

    Our Website provides a platform for Filipinos to access various products and services they may need and want for starting and growing your business or financing needs for OFW, Filipino Companies and Employees or individuals.

    To use our Website and access our services, you must represent that you are at least eighteen (18) years old or above based in the Philippines and meet certain eligibility criteria, which may include creditworthiness, business stability, and other factors. Further, we reserve the right to reject any application for services at our discretion.

    User Conduct
    By using our Website, you agree to not engage in any activities that may damage, disable, or impair the Website or the services provided. You also agree to not use the website for any illegal or unauthorized purposes.

    Disclaimer of Warranties
    Our Website and services are provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that our website or services will be always available, or that they will be error-free.

    Limitation of Liability
    In no event shall we, including our directors, officers, representatives, employees, agents or assigns, be liable for any damages, including without limitation, direct, indirect, special, incidental, consequential damages, loss of profits or data, arising out of or in connection with the use or inability to use our website or services.

    Privacy Policy

    Data Collection
    CLFC shall keep all information in strictest confidence. By providing his/her information for the purpose of learning more about products and services, The customer expressly consents to the processing of his/her supplied customer data, as may be applicable. Data belonging to the customer are either Personal Information or Non-Personal Information:

    Personal Information is any information from which the identity of an individual can be reasonably and directly ascertained, or when put together with other information would directly and certainly identify an individual. It also includes, but is not limited to, data that would help us verify:

    Customer identity such as such as name, gender, date of birth, address, telephone/mobile number, email address, proof of identification, source of income, employment, and other data points whenever applicable;

    The location of the customer’s device whether desktop, laptop, or mobile devices whenever the customer accesses the CLFC website; and

    The navigation experience when accessing the CLFC website to see activities done in the channels, the pages visited, and the sequence thereof.

    Use of Customer Data

    Without limiting the generality of the foregoing, the customer consents and authorizes CLFC to process, store, 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 CLFC deems necessary, or as required by law, rule or regulation, including but not limited to:

    providing the customer with customer support;

    enhancing your customer experience and improve, develop and determine tailored products to meet the customer’s preferences and needs;

    communicating relevant products and/or advisories to the customer;

    showing you relevant ads on and off our services and measure the effectiveness and reach of ads and service;

    Abide by any safety, security, public service or legal requirements and processes; and processing information for statistical, analytical, and research purposes.

    Data Sharing
    You hereby consent to and authorize CLFC, its subsidiaries and affiliates such as, but not limited to, PJ Lhuillier Group of Companies, Cebuana Lhuillier Financing Corp., and/or its third party partners contracted by CLFC for the purpose of conducting its operations, including but not limited to fraud and risk management, sales and marketing activities, communications relating to their products and/or services, product and system development and innovation, customer experience management and improvement, and market research, to collect and process any and all information related thereto from whatever relevant source.

    You hereby consent to and authorize the disclosure of and release by PJ Lhuillier Group of Companies, Cebuana Lhuillier Financing Corp., and its subsidiaries and affiliates, and CLFC third party partners, of any and all information required by PJ Lhuillier Group of Companies, Cebuana Lhuillier Financing Corp., and/or its third party partners such as, but not limited to, the following [i] Data usage records; [ii] Customer relationship management records; [iii] Credit information; [iv] KYC data; [v] Registration data; and [vi] Transaction data.