Terms of Use
Terms of Use
These Terms of Use ("Terms") govern your access to and use of loan15minutes.top and its content (the "website"), operated by the Loan 15 Minutes editorial team ("we," "us"). By accessing or using the website you agree to these Terms. If you do not agree, please do not use the website.
About the Website
Loan 15 Minutes is an information website about fast personal loans in the Philippines. It explains how loan products work, what they cost, how lenders are regulated and how to borrow more safely. It is not a lender, a broker or a financial institution, and it does not accept or process loan applications.
Information Only, Not Advice
Content on the website is general information. It is not financial, legal, tax or investment advice, and it is not an offer or a recommendation to borrow from any lender. Please read our disclaimer, which forms part of these Terms.
Eligibility to Use the Website
You may use the website if you can form a binding agreement under applicable law. The content is intended for adults. If you are under 18, please use the website only with the guidance of a parent or guardian.
Acceptable Use
You agree to use the website lawfully and respectfully. You must not:
- use the website for any unlawful, fraudulent or harmful purpose;
- impersonate us, or claim that you represent us or any provider without permission;
- send us false reports, spam or harmful code;
- interfere with the operation or security of the website, or attempt unauthorized access to it, to other systems or to data;
- scrape or copy the website at a scale or in a manner that burdens it or bypasses technical limits, except as allowed by law or by search engines that index public pages;
- use our content to make misleading statements about a lender, a regulator or us; or
- use our name or content to solicit money or personal information from others.
No Loan Services and No Fees
We do not charge you to read the website, and we do not charge fees to approve, unlock or release loans, because we do not provide those services. If anyone asks you for money or personal documents in our name, it is not us. Our only official contact address is admin@loan15minutes.top.
Accuracy and Updates
We work to keep the content accurate and current and to base it on official sources. However, loan terms, regulations and contact channels change often. We do not warrant that the content is complete, current or error-free. Always confirm current terms in the lender's official app or website, in its written disclosure, and with the relevant regulator. Our editorial policy describes how we research, update and correct our content.
Third-Party Providers, Links and Content
The website refers to and may link to providers, regulators and other third-party websites. We do not control them and we are not responsible for their content, availability, products, terms, privacy practices or conduct. Mentioning or linking to a third party is not an endorsement, a recommendation or a statement that the third party is authorized or suitable for you. Your dealings with any provider are solely between you and that provider, and you should verify a lender before sharing personal information or accepting a loan.
Advertising and Affiliate Disclosure
Some buttons and links on this website, including links that lead to partner lenders and loan comparison pages, are affiliate or referral links. If you apply or sign up through them, Loan 15 Minutes may earn a commission. Compensation does not determine which providers we cover or what we say about them. A list on the website is not a ranking unless we state so. See our editorial policy.
Intellectual Property
The text, structure, layout and design of the website are owned by Loan 15 Minutes unless stated otherwise and are protected by applicable intellectual property laws. You may:
- read and share links to our pages;
- quote short excerpts with clear attribution and a link to the source page; and
- print or save a page for your own personal, non-commercial use.
You may not reproduce, republish, sell or distribute substantial parts of our content, or present it as your own, without our written permission.
Names, logos and trademarks of other companies belong to their owners. We use them only to identify the companies and products we discuss, and their use does not suggest affiliation or endorsement.
Feedback and Submissions
If you send us feedback, corrections or suggestions, you allow us to use them to improve the website without obligation to you. Please do not send confidential or sensitive personal information. Our handling of personal data is described in our privacy policy.
Disclaimer of Warranties
The website and its content are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law. We do not warrant that the website will be uninterrupted, secure or free from errors or harmful components, or that the content is suitable for your needs.
Limitation of Liability
To the fullest extent permitted by law, Loan 15 Minutes, its editorial team and contributors are not liable for any direct, indirect, incidental, special or consequential loss or damage arising from your use of, or inability to use, the website, or from reliance on its content. This includes financial loss, loss of opportunity, loss of data and any loss connected to a loan, a repayment, an application or a decision not to borrow. You use the website at your own risk.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.
Indemnity
You agree to be responsible for any claim, loss or expense that results from your breach of these Terms or your unlawful use of the website, to the extent permitted by law.
Privacy and Cookies
Your use of the website is also subject to our privacy policy, which explains how we handle personal data, cookies and analytics, and your rights under the Data Privacy Act of 2012.
Suspension and Changes to the Website
We may change, suspend or discontinue any part of the website at any time, including the content we publish, without notice or liability to you.
Changes to These Terms
We may update these Terms from time to time. The updated Terms take effect when we publish them on this page. By continuing to use the website after the update, you accept the revised Terms. Please check this page periodically.
Governing Law
These Terms are governed by the laws of the Republic of the Philippines. Any dispute arising from these Terms or your use of the website is subject to the jurisdiction of the appropriate courts of the Philippines, unless applicable law requires otherwise.
Severability and Entire Agreement
If any part of these Terms is found to be unenforceable, the remaining parts continue in effect. These Terms, together with our disclaimer and privacy policy, are the entire agreement between you and us about the website.
Contact
For questions about these Terms, email admin@loan15minutes.top. You may also read our about page and contact page.