Welcome to GoldwaterCap Financing Corporation Web App (the “App”). By accessing and using the App, you (“User” or “you”) agree to comply with and be bound by these Terms of Use (the “Terms”). These Terms govern your use of the App, including any services or features provided. If you do not agree to these Terms, please discontinue use of the App immediately.

1. Acceptance of Terms

By downloading, accessing, or using our App, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. We may update or modify these Terms at any time, and such changes will be effective upon posting in the App. Continued use of the App after any modifications indicates your acceptance of the updated Terms.

2. Eligibility

You must be at least 18 years old or the legal age of majority in your jurisdiction to use this App. By using the App, you represent that you have the legal authority to enter into this agreement and that the information you provide is accurate and truthful.

3. Account Registration and Security

To access certain features of the App, you may need to register for an account. By creating an account, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Keep your login credentials confidential and secure.
• Immediately notify us of any unauthorized use of your account.

You are responsible for any activity that occurs under your account, and GoldwaterCap Financing Corporation is not liable for any losses or damages resulting from unauthorized use of your account.

4. Services Provided

The App provides financial services, including but not limited to loans, credit assessments, and financial management tools (collectively, the “Services”). All Services are subject to the additional terms and conditions provided during use. You agree to use the Services in accordance with these Terms, any applicable laws, and any additional terms provided for specific Services.

4.1 No Guarantee of Service Availability

We do not guarantee that any financial product or service will be available to you. Approval of loans, advances, or other financial products is subject to creditworthiness, regulatory requirements, and other factors at our discretion.

4.2 Interest Rates and Fees

The App may display interest rates, fees, and other financial terms for our services. These rates and fees are subject to change and may differ based on your specific financial situation, local regulations, or other factors.

5. User Responsibilities

You agree to use the App only for lawful purposes. You may not:

• Use the App to conduct illegal or fraudulent activities.
• Interfere with the proper functioning of the App, including its security features.
• Attempt to gain unauthorized access to the App, user accounts, or GoldwaterCap Financing Corporation’s systems.
• Misrepresent your identity, financial standing, or eligibility for Services.

6. Intellectual Property

All content, trademarks, and materials on the App, including but not limited to text, graphics, logos, and software, are the property of GoldwaterCap Financing Corporation or its licensors. You may not copy, modify, distribute, or reverse engineer any portion of the App without our express written consent.

7. Fees and Payments

Certain services in the App may require fees, which will be clearly disclosed to you before you make any payments. By using paid services, you agree to pay all applicable fees and charges according to the terms provided.

7.1 Payment Authorization

By providing payment details, you authorize us to charge the applicable fees to your chosen payment method.

7.2 Late Payments

If you fail to pay any fees or charges when due, we may suspend or terminate your access to the Services until payment is received. Additional penalties or interest may apply, as specified in the service terms.

8. Privacy and Data Security

Your use of the App is governed by our [Privacy Policy], which explains how we collect, use, and protect your personal information. By using the App, you consent to our collection and use of your information in accordance with the Privacy Policy.

8.1 Data Encryption

We use industry-standard encryption technologies to protect sensitive data transmitted through the App. However, no system can be 100% secure, and we cannot guarantee the absolute security of your information.

9. Third-Party Links and Integrations

The App may contain links to third-party websites or services, or it may integrate with external platforms. We do not control or endorse third-party sites and are not responsible for their content, privacy practices, or terms of service. Use of third-party services is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, GoldwaterCap Financing Corporation, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or goodwill.
• Service interruptions, system failures, or unauthorized access.
• Any errors or inaccuracies in content or services provided through the App.

Our total liability in connection with your use of the App shall not exceed the amount you have paid, if any, for accessing the App within the previous 12 months.

11. Disclaimer of Warranties

The App and all Services are provided “as is” and “as available.” We make no warranties, express or implied, regarding the operation or availability of the App or Services, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Warranties that the App will be error-free, secure, or available at all times.

12. Indemnification

You agree to indemnify, defend, and hold harmless GoldwaterCap Financing Corporation, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, or expenses (including legal fees) arising from:

• Your use of the App.
• Your breach of these Terms.
• Your violation of any third-party rights, including intellectual property or privacy rights.

13. Termination

We reserve the right to suspend or terminate your access to the App and Services, at our sole discretion, without prior notice, for violations of these Terms or any other reason. Upon termination, your right to use the App will immediately cease.

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Philippines, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or the App will be resolved in the courts located in the Philippines.

15. Changes to Terms

We may update these Terms from time to time. Any changes will be effective immediately upon posting in the App, and your continued use of the App constitutes your acceptance of the revised Terms. We recommend that you periodically review these Terms for updates.

16. Contact Information

If you have any questions or concerns about these Terms or the App, please contact us at:

GoldwaterCap Financing Corporation
Unit 300 No. 7, Onjianco St.,
Sta. Veronica, Guimba, Nueva Ecija
Phone:    +63 917 873 3300
Email:     [email protected]
Website: www.goldwatercap.net

By using the GoldwaterCap Financing Corporation Web App, you agree to these Terms of Use. Please read them carefully and contact us if you have any questions or concerns. We are committed to ensuring a secure, reliable, and beneficial experience for your financial management needs.