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Terms & Conditions

Our Terms

These Terms & Conditions of Use (the Terms) constitute the terms by which you (the User) may make use of our website https://broker.fintree.ph/ (here and after -  Website). Use of the Website includes but is not limited to visiting, browsing, or providing personal information to register to use the Website.

Please carefully reading these Terms before using the Website (!) 

It apply directly to your use of the Website. Downloading or printing a copy of these Terms for future reference is permitted. You are responsible for ensuring you are aware of the contents of these Terms and how they may influence your use of the Website.

By making use of the Website, you do confirm that you accept these Terms and agree to comply with them. If you do not agree to these Terms, we request that you exit the Website immediately and refrain from using our services.

Please see our Privacy Policy for information on how we use personal data collected through the Website. Please see our Cookies Statement contained within our Cookies Policy for details on our use of Cookies. By reference, both our Privacy Policy and our Cookies Statement are incorporated into this document.

Who we are?

The owner of https://broker.fintree.ph/ is TREEUM HOLDINGS LIMITED, which is registered in Cyprus (Company no. HE 321681), Registered Office: Romanou, 9, Latsia 2237, Nicosia, Cyprus (here and after – Company).

Our Services

We are not a Lender or a Financial Service Providers (Provider). Therefore, we will never provide you with financing directly. We provide an online loan matching service. We will introduce you to Lenders or Providers. By submitting an application on our Website, you consent to the Company, based on your application, providing you with the best possible Lender or Provider matching solution within our network. We will present your application in real time to one or more of our Lenders or Providers, depending on their lending criteria, until one of our Lenders or Suppliers accepts your application or all Lenders and Providers decline to accept your application. If a Lender or Provider decides to accept your application, you will be redirected to a page on the Lender or Provider Website. If a Lender or Provider is not online, we may show you information and contact details about the Lender or Provider that accepts your application.

In all cases, we will only forward you to a Lender or Provider who has looked over your application and accepted it on the basis of believing they can provide a loan to you. We may be paid a fee by the Lender or Provider for connecting you to them.

There will never be any obligation for you to take the loan from them. We recommend reading each Lender or Provider’s terms and conditions carefully in order to make an informed decision on whether their offer is best for you. Should you have any doubts, we recommend contacting the Lender or Provider before agreeing to any financing with them.

Any representations of cash amounts available for borrowing, repayment periods, or interest rates given on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are not given as a quote of what the Lender or Provider will actually offer you. Therefore, they are not given as a guarantee and cannot be used as a warranty.

Due to the fact that we never provide any loans or financial services directly to you, any representative rate examples on Lender or Provider websites are entirely out of our control. In addition, the decision to offer any loan is up to the Lender or Provider; we never have any control or bearing over the decision to extend or withhold a loan.

The Lender or Provider will perform a background assessment on you before reaching any decision or extending any offer. This may or may not include a full assessment of your past and present credit history.

Website Access

We allow access to the Website on a temporary basis. We reserve the right to change, cancel or suspend the services provided on the Website without notice. We will not be liable if the Website is unavailable at any time, for any period or for any reason.

From time to time, we may restrict access to parts or all of the Website to registered users.

Accuracy of Information

The Company makes no representation that the information contained on this Website is up-to-date, comprehensive, accurate or complete. It is not responsible for the accuracy or completeness of the information contained on this Website or for any reliance placed by any person on such information.

We intend to update the Website regularly. We may add to, change or remove content at any time. We may suspend access to the Website or remove it indefinitely if necessary.

We reserve the right to post changes to the Website and to change these terms and conditions at any time. You are responsible for regularly reviewing the terms and conditions of our Website. Your use of this Website following the posting of changes will constitute your agreement to the revised terms and conditions.

External Links

Any links provided to other sites or third-party resources are provided only for your information. We do not have any control over the contents of these resources or sites. We accept no responsibility nor liability for them or for any damage or loss that you may incur from your use of them.

Acceptable Use

You are permitted to use our iframe form and Website only for lawful purposes. You are prohibited from using our Website/form:

• In any way that violates any local, national or international laws or regulations. In any way that is fraudulent or illegal, or has any fraudulent or illegal effect. Transmit or upload any defamatory, offensive or obscene material through the form. Transmit or upload any computer viruses, malware or anything else designed to interfere with, interrupt or disrupt the normal working procedures of a computer.

Liability

• To the fullest extent permitted by law, we exclude all warranties, representations, conditions or other Terms that may apply to this Website or any of its content, whether express or implied.

• We cannot and will not guarantee that any Lender or Provider will authorize any individual loan application. This may be the direct or indirect result of various factors, including system failure, problems that are unforeseeable or beyond our or the Lender’s or Provider’s control, or incorrect information provided.

• If we have been negligent, have failed to comply with these Terms and Conditions, or if the laws of the Philippines do not require it, we will not be liable for any losses you may suffer. If you do not use this form with due care and in accordance with these terms and conditions, or if we discover or receive notice that you have used this form fraudulently, we, together with the Lender or Supplier, reserve the right to charge you any reasonable costs we may incur, taking steps to collect any monies due as a result and to suspend your use of the form.

Intellectual Property Rights

  • All intellectual property rights (including, but not limited to, any database rights, know-how rights, invention rights and patents (in all cases, whether registered or unregistered, and including all rights to apply for registration), industrial design rights, and all other intellectual or industrial property rights in any jurisdiction) in any content, written information, materials, processes, or data contained on or within this Website belong to the Company or its licensed source. All the Company's rights to such intellectual property rights are hereby reserved.

  • You are permitted to print a copy and download extracts of any page(s) from the Website and store them for personal use.

  • You are prohibited from modifying the paper or digital copies of any Website materials in any way. You are prohibited from using any illustrations, photographs, audio or video sequences, or any graphics separately from any text.

Customer Checks

Once you submit your application, the Lender or Provider may employ credit referencing and fraud prevention agencies to inform relevant decisions. As credit checks and credit reference agencies aid in preventing fraudulent applications, we ask you to agree to this use of your data and to ensure your identity is protected.

You must always provide accurate and true information. Misleading information will be regarded as a knowing breach of our terms. It is also likely to breach any Lender or Provider agreement. Knowingly providing misleading information may result in criminal charges.

If any third parties have been authorized by you to act on your behalf, any information that third party gives will be contractually binding on you. Should you choose to submit a joint application for financing or a loan via the Website, each party will be dealt with as a client acting with one another’s consent. If one party of the joint application enters into and receives correspondence, it shall be assumed that all communication is with both parties. 

We will only process information about you (including but not limited to your visits to the Website), in accordance with our Privacy Policy. By using Website and form, you consent to us processing your personal information. Therefore, you also warrant that all data and information provided by you is true and accurate.

Communication

We may communicate with you by telephone, SMS, post, email and/or automated messages to provide alerts relating to your application, information, and/or services that may be of interest to you.

Jurisdiction

The laws of the Republic of the Philippines will govern these Terms along with any non-contractual obligations arising out of or in connection with these Terms. You irrevocably agree to submit to the exclusive jurisdiction of the Philippine courts by using the Website.

Removing your Data

If you wish to assert your right to be forgotten and request the removal or deletion of your personal information, please send letter for email [email protected].

Complaints

We strive to ensure that our service to you is always satisfactory. However, should you wish to submit a formal complaint, please email [email protected].