Terms & Conditions

Please read these Terms & Conditions carefully before using our platform. By accessing or using the Contact Loans website, you agree to comply with and be bound by these terms.

1. Description of Service

Contact Loans is a free, independent comparison platform and loan search tool. We provide descriptions, rates, simulation tools, and redirect links to help users identify potential third-party loan products. **We are not a financial institution, bank, or registered lender**. We do not issue credit, approve loan applications, or act as a representative of any financial provider.

2. Eligibility of Use

By accessing our platform, you confirm that you are at least 18 years of age and reside in the Philippines. The loan simulation and comparative data provided are intended strictly for personal, non-commercial use.

3. No Financial Advice

The information displayed on Contact Loans is for educational and reference purposes only and does not constitute financial, legal, or investment advice. While we strive to present accurate, up-to-date interest rates and terms, final loan conditions are determined solely by the partnered lenders and are detailed in their individual contracts.

4. Disclaimer of Liability

We do not guarantee the approval of any loan by any lender. We are not responsible for any disputes, damages, or issues arising from contracts signed between you and third-party lenders. Defaulting on loan contracts can lead to penalties and affect your credit standing; we urge all users to borrow responsibly within their repayment limits.

5. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of the Philippines. Any legal disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts in Metro Manila.

6. Modifications

We reserve the right to modify these Terms and Conditions at any time without prior notice. Continued use of the platform following updates signifies your acceptance of the revised terms.