Welcome to Philippines Vastness Lending Corporation ("Vplus"). By accessing or using our services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our mobile application or services.
By registering an account, accessing, or using Vplus services, you confirm that you have read, understood, and agree to comply with these Terms and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.
Vplus provides an online lending platform that connects borrowers with our loan services. We offer various loan products subject to eligibility criteria, credit assessment, and regulatory requirements. We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.
You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account. You agree to immediately notify us of any unauthorized use of your account or any other security breach. We shall not be liable for any loss or damage arising from your failure to protect your account information.
All loan applications are subject to our credit assessment and approval process. We reserve the right to approve or decline loan applications at our sole discretion without providing a reason. The loan amount, interest rate, and repayment terms will be determined based on your credit profile and our internal policies.
You agree to repay the loan amount, including all applicable interest, fees, and charges, in accordance with the repayment schedule specified in your loan agreement. Failure to make timely payments may result in additional fees, penalties, and negative impacts on your credit score.
Our fees and charges are clearly disclosed during the loan application process and in your loan agreement. These may include processing fees, late payment fees, and other applicable charges as permitted by law.
All intellectual property rights in our services, including but not limited to trademarks, logos, software, and content, are owned by or licensed to Vplus. You agree not to reproduce, modify, distribute, or otherwise use any of our intellectual property without our prior written consent.
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
To the maximum extent permitted by law, Vplus shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use our services. Our total liability shall not exceed the amount of fees paid by you to us in the preceding three months.
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Philippines.
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our platform. Your continued use of our services after the posting of changes constitutes your acceptance of the modified Terms.
If you have any questions or concerns about these Terms, please contact us at:
Support Email: [email protected]
Address: Avida Cityflex Towers BGC, 7th Avenue, North Bonifacio Global City Taguig NCR 1635