WE ARE AN ELECTRONIC PLATFORM THROUGH WHICH OUR USERS CAN APPLY TO RECEIVE CREDIT (FROM NOW ON, THE “SERVICES”), FROM SOME LOAN COMPANY (FROM NOW ON, THE “LOAN COMPANIES”).
WE ARE NOT A COMPANY THAT GRANTS LOANS, WE DO NOT NEGOTIATE LOANS WITH LOAN COMPANIES, WE DO NOT MAKE MONEY ADVANCES, OR MAKE CREDIT DECISIONS. THIS WEBSITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO MAKE A LOAN. THE OWNER OF THIS WEBSITE IS NOT AN AGENT OR REPRESENTATIVE OF ANY LOAN COMPANY.
THE SERVICES WE PROVIDE TO OUR USERS ARE FREE. NOT ALL LOAN COMPANIES CAN OFFER YOU THE TYPE OF LOAN, INTEREST, OR TERMS THAT YOU REQUEST AND WE MAKE NO COMMITMENT THAT THIS WILL HAPPEN. WE ALSO CANNOT COMMIT THAT YOU WILL GET A LOAN. MONEY TRANSFER TIMES MAY VARY DEPENDING ON THE LOAN COMPANY AND APPLICABLE LAWS. WE WILL SHARE YOUR APPLICATION INFORMATION WITH ONE OR MORE LENDING COMPANIES IN TERMS OF OUR PRIVACY NOTICE.
WE DO NOT GUARANTEE THAT YOU WILL BE MATCHED WITH A LOAN COMPANY OR ANY PARTICULAR LOAN PROGRAM OR THAT YOU WILL RECEIVE A LOAN. WE DO NOT WARRANT THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, TARIFFS, OR ANY OTHER TERMS OF THE LOAN OFFERED AND AVAILABLE BY THE LENDING COMPANIES THROUGH THIS SERVICE ARE THE BEST IN THE MARKET. NOT ALL LOAN COMPANIES PARTICIPATING IN THIS SERVICE CAN PROVIDE THE LOAN AMOUNT YOU REQUEST OR THE MOST FAVORABLE AMORTIZATION TERMS.
LENDING COMPANIES, IN TERMS OF THEIR OWN PRIVACY NOTICES AND APPLICABLE TERMS AND CONDITIONS, MAY CONDUCT A CREDIT CHECK ON YOUR CREDIT TO DETERMINE YOUR SOLVENCY. IN SOME CASES, SENDING FAXES OR OTHER TYPES OF COMMUNICATIONS MAY BE NECESSARY. FOR DETAILS, QUESTIONS, OR PROBLEMS RELATING TO YOUR MONEY'S ADVANCEMENT, YOU SHOULD CONTACT THE APPROPRIATE LOAN COMPANY DIRECTLY. LENDING COMPANIES ARE THE ONLY RESPONSIBLE TO YOU FOR ANYTHING RELATING TO A LOAN APPLICATION OR TRANSACTION, INCLUDING COMPLIANCE WITH ALL APPLICABLE LAWS, REGULATIONS REGARDING YOUR LOAN, AND ANY AGREEMENTS OR REPRESENTATIONS RELATING TO THE APPLICATION OR ANY TRANSACTION OF YOUR LOAN.
BY USING OUR SERVICES, YOU AGREE TO THESE TERMS AND CONDITIONS, AS WELL AS THE PRIVACY NOTICE POSTED ON THIS SITE, WHICH IS INCORPORATED HEREIN BY REFERENCE. FOR THIS REASON, YOU SHOULD READ THESE TERMS AND CONDITIONS AS WELL AS OUR PRIVACY NOTICE BEFORE COMPLETING AND SUBMITTING YOUR APPLICATION. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE AND THE PRIVACY NOTICE, YOU SHOULD NOT ACCESS OR OTHERWISE USE OUR LOAN INFORMATION SERVICE.
The terms and conditions set forth herein (the “Agreement”) govern your use of the service through the website. Before downloading, accessing, or using any part of the Service, you should carefully review the following Agreement. We provide this service to you subject to the condition that you accept and agree to all the terms and conditions outlined in this Agreement. This Agreement will come into effect at the time you submit your request (the “request”) to be contacted by one or more lending companies participating in our network, and/or you begin downloading, accessing, or using the Service, regardless of whichever is given first.
All references to “Our” or “Us” refer to OJO7, LLC (https://www.monee.ph/) including its successors and assigns, who operate the website and the service. All references to “Applicant” or “You”
1. Eligibility requirements.
You must be over 18 years of age to use the services. If you provide any false, inaccurate, incorrect, or incomplete information in your request, we may immediately terminate your access to and use of the Service. It is your responsibility to maintain the confidentiality of the username(s) and password(s) associated with your request to refer to any user of this Website or the service.
2. Application process.
The service connects applicants who complete and apply with one or more Loan Companies. To use the Service, you must complete and submit the information requested in the application, which information may include (by way of example and not limitation) your name, mailing address, telephone number, date of birth, bank account information, amount of the desired loan, social security number, employment information and any other information required at the time of collection (Please see our privacy notice which specifies what personal information we collect from you.). You represent and warrant that the information provided through your application is accurate, truthful, and up-to-date. If you do not provide such information in such a manner, we reserve the right to refuse, suspend, and terminate service. We reserve the right to refuse to provide service, in our sole discretion, with or without cause. By submitting your request, you understand and agree that (a) you are submitting a request to us about the loan products offered by the Loan Companies (b) we will share your information with the Loan Companies under the terms of our Notice of Privacy, and (c) you must review and agree to the privacy notices and terms and conditions applicable to the creditors themselves for them to review, verify, and investigate your information in real-time to determine if you can qualify to receive one of their loans. We are not responsible for the way creditors process your information.
3. Loan Company Review Process
If one or more Loan Companies review your application and determine that you meet the loan criteria, we will provide you with the name(s) and contact information of the creditor(s) or redirect your browser to the creditor's website. Once we connect you with a lender in any way, we have no further involvement in the loan application or approval process. Your subsequent interactions with the Loan Company are subject to the Loan Companies' privacy notices and terms of use, and other policies or terms established by such Loan Company.
We are not responsible for any failure or delay in the presentation of the service caused by errors, inaccuracies, or falsehoods in any application information provided by you or by any technical problems that are beyond our control.
We are not agents or representatives of any Loan Company. We are not involved in reviewing Loan Companies and/or using your application information or determining whether you meet the lending criteria of a particular Loan Company. We do not recommend or endorse the products of any of the Loan Companies. The Loan Company is the only responsible for the services it provides to you, and you agree that we will not be liable for any damages, losses, or costs of any kind arising from or related to the use of the service.
4. License
This Agreement grants you a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use the Site provided that you continue to comply with the terms and conditions of this Agreement.
Notwithstanding the foregoing (i) you may not modify, translate, decode, create derivative works from, distribute, disassemble, broadcast, transmit, publish, delete, or alter any proprietary notice or trademark, nor create a license or sublicense, transfer, sell, copy, formulate, exploit, rent, assign, lease with option to buy, privatize the brand, give a security interest, or make any use that is not explicitly permitted on this Website. Additionally, you are not permitted to use any "deep link," "page-scrape," "robot," "spider," or other automatic devices, program, script, algorithm, methodology, or any equivalent manual process to access, acquire, copy or monitor any part of this Website, nor reproduce or circumvent in any way the navigation structure or presentation of this Website to obtain or attempt to obtain any materials, documents or information through means not intentionally made available to through this website, (ii) it is not permitted to attempt unauthorized access to any section of this Website, including, without limitation, the account of another applicant or other systems or networks connected to this Website or any of our servers or to any of the services offered through this Website, through hacking, password extraction, or any other illegitimate or prohibited means, (iii) it is not permitted to test, scan or test the vulnerability of this Website or any connected network. to this Website, nor violate the security or authentication means of this Website or any network connected to this Website, (iv) it is not permitted to search for the name and address of the person through their telephone number (reverse lookup). , nor track or search to trace any information of any user or visitor of this Website, (v) you are not permitted to take any action that imposes a disproportionate load on the infrastructure of this Website or on our systems, networks, or any system or network connected to our Website, (vi) the use of any device, software or routine that interferes with the proper functioning of this Website or with any transaction carried out on this Website, or with any other person's use of this Website, is not permitted. Website, (vii) it is not permitted to falsify headers, impersonate a person, or manipulate identities to hide your identity or the origin of any message or transmission that you send us on our Website or through said website (viii) no Use of this Website to extract or collect email addresses or any other contact information is permitted, or (ix) use of this Website in any illegal manner or in any manner that could harm, denigrate, or negatively impact us is not permitted. In any other way.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCTION OF ANY SERVICE, PROGRAM, PRODUCT, INFORMATION, OR MATERIALS OFFERED BY US TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS COMPLETELY PROHIBITED.
5. Declaration of guarantees, consent, and limitation of liability.
THE SERVICE AND THE WEBSITE AND ALL INFORMATION, PROGRAMS, SOFTWARE, AND MATERIALS PROVIDED WITHIN SUCH WEBSITE (COLLECTIVELY, “SERVICE INFORMATION”) ARE PROVIDED AS IS AND AS AVAILABLE AND MAY INCLUDE ERRORS, OMISSIONS OR OTHER INACCURACIES. IN ADDITION, WE MAY MAKE MODIFICATIONS AND/OR CHANGES IN THE INFORMATION SERVICE AT ANY TIME FOR ANY REASON. YOU ASSUME THE ENTIRE RISK OF USING THIS INFORMATION SERVICE. OUR PARENT COMPANY AND WE, LICENSORS, SUBSIDIARIES, ADVERTISERS, AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE INFORMATION SERVICE FOR ANY PURPOSE, AND EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. , INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS, FOR ANY PARTICULAR PURPOSE, NON-INFRINGEMENT OR ANY OTHER IMPLIED WARRANTY. WE DO NOT REPRESENT OR WARRANT THAT THE SERVICE WILL OPERATE ERROR-FREE OR UNINTERRUPTED OR THAT ANY FILES OR INFORMATION YOU ACCESS FROM THE SERVICE ARE FREE OF COMPUTER VIRUSES, CONTAMINATION OR DESTRUCTIVE ATTRIBUTES. Some jurisdictions do not allow the representation of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the limitations that are legal in your jurisdiction will apply and our liability will be limited to the maximum extent permitted by law. You explicitly absolve us and release us from any claim for damages resulting from a cause beyond our control, including, but not limited to the following: failure of electronic or mechanical equipment or communication lines, telephone or other problems connection problems, computer viruses, unauthorized access, theft, operator errors, bad weather, earthquakes or natural disasters, strikes or other labor problems, wars or government restrictions. YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE, OUR PARENT COMPANY, LICENSORS, SUBSIDIARIES, ADVERTISERS, CREDITORS AND AFFILIATES OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUCCESSORS, BENEFICIARIES OR SERVICE PROVIDER SHALL NOT BE LIABLE TO YOU FOR: ( A) ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES OR LOSSES INCURRED BY YOU, EVEN CAUSED AND UNDER THE THEORY OF LIABILITY, ARISING FROM OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE, THE SERVICE, OR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, WHETHER THEY RESULT IN PART OR WHOLE FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR EVEN IF WE OR OUR CREDITORS HAVE BEEN ADVISED OF THE POSSIBILITY OF BE SUBJECT TO DAMAGES. Because some jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages, the above limitation may not apply. You hereby agree to indemnify and hold us harmless from any claim or demand made by you or your successors, arising out of or related to any violation of federal, state or local law in connection with any loan you receive through the Service or from interactions you have with any creditor with whom you have connected through the Service.
6. Termination
We may temporarily or permanently stop offering the Service (or any part/s of such Service), or terminate this Agreement at any time if: (a) you have breached any provision of this Agreement, (b) it is necessary under the law, (c) if we believe, in our criteria, that you have committed fraud concerning your access and use of the Service, (d) we terminate our relationship with the Loan Companies, (e) we consider that the service, in our sole discretion, is not commercially viable, or if (f) we stop offering the service to customers in the jurisdiction in which you reside or from which you use the service in the Philippines. Termination is effective without prior notice.
7. Current law.
Dispute resolution.