eCebuana Terms and Conditions


Note: Changes will be effective on October 08, 2024.


  1. TERMS OF USE

    1. 1.1. This Agreement governs the terms and conditions of the use and access to the products of Cebuana Lhuillier Bank, including the eCebuana Application and the available services within the Application (collectively, the “Service” or “Services”). By accessing, registering or using the Services in the eCebuana App, you agree to be bound by the terms of this Agreement.

    2. 1.2. The terms the “Bank”, “we”, “us”, and “our” refer to Cebuana Lhuillier Bank together with its employees, directors, affiliates, successors and assigns. Cebuana Lhuillier Bank is regulated by the Bangko Sentral ng Pilipinas (BSP).

    3. 1.3. The terms “you” and “your” refer to Users of the Service, including registered users of eCebuana, Microsavings and Cebuana Savings Account Holders, Senders, Recipients, and other applicable users of the Service.

    4. 1.4. These T&C shall be effective, valid and binding from the time that you agree to them upon registration or the time you use any of the Services. They will remain in full force and effect until terminated by you or us, except for certain provisions which shall remain effective after termination as stated in these T&C, or as required by any law, rule, or regulation.

    5. 1.5. We reserve the right to modify these T&C at any time without advance notice. Any changes to these T&C will be effective immediately upon posting in the eCebuana mobile app, with an updated effective date. By accessing or using the eCebuana Service after any changes have been made, you signify your agreement on a prospective basis to the modified T&C and all the changes. Users must periodically review this page to ensure familiarity with its most current version.

    6. 1.6 You must be at least eighteen (18) years of age to register for an eCebuana account. By registering, you represent and warrant that you are at least eighteen (18) years of age and have the legal capacity to agree to these T&C.

    7. 1.7 eCebuana services are exclusively for individual account holders only. If used in furtherance of or in connection with business transactions of juridical entities, account holder shall assume any and all liability that may arise therefrom and will hold the Bank free and harmless from it.

    8. 1.8 When you accept these T&C,you are setting up your account associated with your mobile number. You will be asked to provide information such as your complete name, present and/or permanent address,date of birth, nationality,source of funds, employment data, photo of yourself, and signature in accordance with the KYC requirements of the BSP. We may also verify your registration information through a third-party verification partner/service provider, as deemed necessary. In some cases, we may also request additional details or information to aid in verifying your identity.

    9. 1.9 You authorize and grant free, voluntary, and unconditional consent to the “Bank” for the collection, use, storage, retention, verification, and processing of your personal information and/or sensitive personal information (collectively referred to as “information”). The information you provide will be used to determine if you are eligible to use the App or the Services. We reserve the right to suspend, deactivate, or limit your access to your account if we are unable to obtain or verify your information.We shall process your personal data in accordance with the Data Privacy Act of 2012, its implementing rules and regulations, and the issuance of the National Privacy Commission (NPC).

  2. DEFINITIONS

    3. In these Terms and Conditions of Use, the following capitalized terms shall have the following meanings, except where the context otherwise requires:

    1. 2.1. “ACCOUNT/ECEBUANA ACCOUNT” – refers to the access to eCebuana mobile application linked to deposit account.

    2. 2.2. “AMLA” – refers to the Anti-Money Laundering Act, as implemented by the Anti-Money Laundering Council (AMLC) of the Philippines

    3. 2.3. “BENEFICIARY” – receiver of funds from a send money transaction.

    4. 2.4. “BILLER” – refers to an accredited institution that you would like to pay using bills payment service.

    5. 2.5. “BIOMETRICS” – refers to the measurement and analysis of unique physical or behavioral characteristics of the User (such as the face, fingerprint, or voice patterns) used as an alternative to a password for logging in.

    6. 2.6. “CEBUANA LHUILLIER RURAL BANK INC.” (“CLB” or the “BANK”) – is a rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP) and licensed as an Electronic Banking and Electronic Money Issuer.

    7. 2.7. “CEBUANA SAVINGS ACCOUNT” – is a regular type of savings account that is interest-bearing and does not have limit on outstanding balance.

    8. 2.8. “ECEBUANA APP” or “ECEBUANA MOBILE APP” – is an application by Cebuana Lhuillier Bank designed for use on mobile devices, allowing customers to access services and utilize products offered by the bank.

    9. 2.9. “KNOW-YOUR-CUSTOMER(KYC)” – refers to the process of identifying and verifying the true and full identity of customers. The term is also used to refer to the anti-money laundering regulations which govern these activities.

    10. 2.10. “MICRO SAVINGS” – is a basic deposit type of account that earns interest and a limit of maximum PHP 50,000 average daily balance.

    11. 2.11. “OTP” – refers to the One Time PIN that is used to authenticate transactions.

    12. 2.12. “PIN” – refers to the 5-digit Personal Identification Number (PIN) selected within the eCebuana app for security purposes, used to reactivate the session upon switching applications and returning to the eCebuana app. It can also serve as an alternative method for logging in.

    13. 2.13. “QR CODE” – stores personal and financial information of an account. It can be scanned for a quick and safe method to pay transactions and send & receive funds to & from participating financial institutions.

    14. 2.14. “SENDER” – refers to a person who sends money using eCebuana’s Send Money, Bank transfers or other money sending service.

    15. 2.15. “TRANSACTION HISTORY” – shows the list of transactions of a particular account.

    16. 2.16. “USER” – refers to a Microsavings or Cebuana savings account holder who registered in the eCebuana application.

    17. 2.17. “BILLS PAYMENT” – allows mobile app users to conveniently pay bills to accredited billers.

    18. 2.18. “ACCOUNT VIEWING” – shows the account number and current balance of the client.

    19. 2.19. “BUY LOAD” – enables Users to purchase telco products such as regular,special or promo loads for accredited Telco partners.

    20. 2.20. “PAY QR” – enables client to pay via QRPH code.

    21. 2.21. “SEND MONEY” – allows users to send money to other eCebuana Account, other banks via Instapay and send money via cash pick up.

    22. 2.22. “POS” or “Point of Sale” – is a device that allows users to process transactions such as withdrawals, deposits, payments and balance inquiry in Cebuana Lhuillier Pawnshops and accredited merchants.

  3. FEES AND OTHER CHARGES
    4.
    1. 3.1 eCebuana app users agree to pay any fees, rates, other charges, and applicable taxes related to the Service and its use, as may be imposed by the Bank.

    2. 3.2 Fees and other charges, as may be applicable, shall be inclusive of all applicable Philippine taxes and shall be debited from the user’s Micro Savings or Cebuana Savings account.

    3. 3.3 Should these fees and other charges result in an insufficient balance in the account of the user, the transaction will not proceed and will require a deposit through any accredited partners of the Bank.

    4. 3.4 The amount of fees and charges may be revised from time to time as the Bank deems necessary. Any such revisions will be effective immediately upon notice to users, which may be provided via email, SMS, in-app notification, or other means as deemed appropriate by the Bank.

    5. 3.5 Standard carrier fees may be charged by the telecommunications service provider against the user’s prepaid phone balance or postpaid phone account when using the app and its services. Users are advised to check with their service provider for details.

    6. 3.6 Any refund amounts will be credited back to the same account used to fund the original transaction and in the same currency.

  4. FRAUD/ SCAMS/ SUSPICIOUS TRANSACTIONS/MISREPRESENTATION AND/OR ANY FORM OF DECEIT
    5.
    1. 4.1 The Client is solely responsible for safeguarding their personal and financial information against all forms of fraud, scams, deceit, and misrepresentation. This responsibility includes preventing unauthorized access, fraudulent transactions, identity theft, and any deceptive practices that compromise the security of their information.

    2. 4.2 The Bank may only provide,upon request and within the limits allowed by relevant laws, available Bank records to help the Client file appropriate claims against the perpetrator of the alleged fraud, scams, suspicious transactions and other forms of deceit.

    3. 4.3 Subject to relevant laws and regulations, the Bank reserves the right to hold and/or debit suspicious accounts used for fraud, deceit, misrepresentation, and other illegal activities especially if, upon due notice, the Depositor refuses in any manner to cooperate, reply, and/or intentionally avoid official communications made by CLB through its duly authorized representatives, within the specified timeline. Likewise, the same shall apply if the communications made by CLB to the depositor does not reach the latter by reason of non-updated contact details on records of CLB.

    4. 4.4 Upon receipt of reports and/or suspicion of fraud or any suspicious transaction/s, the Bank reserves the right, without prior notice, to suspend or terminate the card and/or the account from accessing the Bank’s facilities and channels, such as the ATM, POS, eCeb, and other banking services.

    5. 4.5 The User agrees and acknowledges to hold the Bank free and harmless from liabilities for any losses, claims, or legalactions as a result of any or all of the following instances, unless the loss or damage incurred is solely and directly caused bythe gross negligence or willful misconduct of the Bank:

      1. 4.5.1 Any damages arising from or in relation to the use of the Bank’s deposit accounts as a medium to commit fraudulent activities as herein contemplated.

      2. 4.5.2 Any service honored by any other bank, financial institution, or merchant, where the payment transaction is not authorized for any reason whatsoever.

      3. 4.5.3 Any delay, interruption, or termination of the Service transaction, whether caused by administrative and human error, technical, mechanical, system failure, electrical or electronic fault or difficulty, or any other reason or circumstance beyond the Bank’s control and/or not directly attributable to the Bank.

      4. 4.5.4 Any possible data and system breach or exposure, which cannot be foreseen under ordinary circumstances, when using the Account and/or Service, including but not limited to Account details and personal information.

      5. 4.5.5 Any damages or claims arising from any unauthorized use of the App.


  5. APPLICABILITY OF TERMS AND CONDITIONS
    6.

    Use of the App and Services

    The use of any Services and/or the App is subject to these Terms and Conditions of Use. The App can be downloaded on iOS and Android devices. You can register as long as your mobile number is active and your mobile device has at least version 5.0 or above for Android and iOS 12 or above. Users must register to utilize the App. The App will be made available to users with no fee, unless otherwise determined by the Bank.

    Account Holder Requirement

    One must be an Account holder of CLB to enroll in the eCebuana App and make use of its Services. The Mobile App is entirely customer self-service, where Users shall enter/provide a preferred User Name and Password. The Bank recommends the use of a strong but easy-to-remember login details.

    App Services

    The App processes financial and non-financial transactions such as: Send and Receive Money, Buy Load, Pay Bills, Change Password, View Account Information, and View Transaction History.

    Security and Access

    A username and password or PIN is required to access the account. The Bank shall not allow access if an incorrect username and password is entered five (5) times and will temporarily block the account.

    A One Time Pin (OTP) will be sent to the registered mobile number of the User/Account Holder for authorization of financial and non-financial transactions. The Bank shall not allow the processing of transactions with an incorrect OTP.

    Modification and Maintenance

    We reserve the right to change, modify, substitute, suspend, or remove without notice any information or Services on the Mobile Application from time to time. Your access to the Mobile App and/or the Services may also be occasionally restricted to allow for repairs, maintenance, or the introduction of new facilities and/or services. We will attempt to restore such access as soon as we reasonably can.

    Content and Access Management

    We reserve the right to block access and/or edit or remove any material which in our reasonable opinion may give rise to a breach of these Terms and Conditions of Use.

    Transaction Notifications and Records

    Every successful financial transaction and other significant actions done via the App will be sent to the User’s nominated email address for safety and record purposes. Details of the transaction will be recorded in the Bank’s system and will be regarded as conclusive proof of the validity and authenticity of the transactions made.

    Consent for Services and Features

    Any services, enhancements, and features of the App that require the User’s consent shall be confirmed via SMS or email to inform the User of the specific service, enhancement, or feature the account holder has subscribed to and the exact duration of the subscription. The User will also be notified of the expired subscription of the service, feature, and enhancement.

    Marketing Communications

    User hereby agrees to receive transaction notifications, announcements, and be regularly updated by the Bank and its subsidiaries and affiliates (hereinafter, “Group”) of their products and services. The User fully understands that the foregoing information will accordingly be shared.

    System Limitations

    The User understands that the Bank may not be able to carry out instructions received through the App due to offline situations caused by system problems or other circumstances as determined by the Bank.

    User Responsibility and Security

    The User has full responsibility for the security of his/her Mobile Device(s), SIM card, and confidentiality of his/her User ID and password(s), and all transactions, whether valid or fraudulent, authorized or unauthorized, made through said Mobile Device(s)/SIM card and via the eCebuana App, if such fraudulent or unauthorized transaction was caused by or is a result of the User’s fault or negligence. The Bank encourages the User to change passwords regularly, especially when account details have been exposed.
    It is the User’s sole responsibility to reset the password through the App if its confidentiality has been reasonably suspected to have been compromised to avoid any unauthorized use of the User’s accounts. The Bank shall not be liable for any unauthorized use/misuse of the Mobile App due to theft or loss of the Mobile Device/SIM.

    Rectification of Errors

    The Bank has the right to rectify any incorrect crediting to the User’s account without the Bank suffering any liability. The User hereby consents thereto without the need for further act and deed or with or without notice to the User. The Bank has the right to debit from the account the erroneous credit.


  6. RULES ABOUT USE OF THE SERVICE AND THE MOBILE APPLICATION
    7.
    We will use reasonable endeavors to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the Services or the Mobile Application will be free of faults. In the event of any error or omission, you should report it by contacting us through our Cebuana CARES Hotlines via the following methods:

    1. Phone : (02)8759-9800 (tel:(02)8759-9800) / (02)8779-9800(tel:(02)8779-9800)
    2. SMS : 0917-8122737 (tel:0917-8122737) GLOBE / 0918-8122737 (tel:0918-8122737) SMART
    3. Email : [email protected]
    4. Address : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner Candelaria St., Brgy. Valenzuela, Makati City 1208

    We do not warrant that your use of the Services or the Mobile Application will, at all times, be uninterrupted and/or that any information or messages transmitted via the Services or the Mobile Application will be transmitted in a timely manner. Notwithstanding that, the Bank will exert earnest efforts to provide uninterrupted access to the Services and the Mobile Application. Access to the Services and the Mobile Application may be suspended, restricted, or terminated at any time. The App, the Services, and the use of all related facilities are provided on an “as is, as available” basis without any warranties, whether express or implied.

    To the fullest extent permitted by applicable laws, we disclaim all representations and warranties relating to the App and its contents, including any inaccuracies or omissions in the Mobile Application, accuracy, availability, non-infringement, or implied warranties in the course of the User’s dealing or usage of trade.

    Notwithstanding our efforts to ensure that our system is secure, we do not guarantee that it shall be secure at all times. However, the Bank assures that we implement the latest threat protection protocols for publicly known vulnerabilities and threat vectors.

    We shall not be liable for any acts or omissions of any third parties, and for any indirect, incidental, special, consequential, or punitive loss or damages resulting from or in connection with the Mobile Application and the Services offered in the Mobile Application and these Terms and Conditions of Use.

  7. INDEMNITY

    8. You agree to indemnify and keep us indemnified against any claim, action, suit or proceeding brought or threatened to be brought against us which is caused by or arising out of (a) your use of the Services, (b) any other party’s use of the Services using your user ID, verification PIN and or any identifier number allocated by the Bank, and or (c) your breach of any of these Terms and Conditions of Use, and to pay us damages, costs and interest in connection with such claim, action, suit or proceeding.

  8. AMENDMENTS
    9.
    We may periodically make changes to the contents of the eCebuana App, including the descriptions and prices of products and services advertised, at anytime. eCebuana users shall be notified in sixty(60) calendar days before any amendments/ changes to these terms and conditions may take effect. We assume no liability or responsibility for any errors or omissions in its contents.

    We reserve the right to amend these Terms and Conditions of Use from time to time without notice. The revised Terms and Conditions of Use will be posted in the eCebuana App and shall take effect from the date of such posting. You are advised to review these Terms and Conditions periodically as they are binding upon you.

  9. GOVERNING LAW AND VENUE
    10.
    This Agreement shall be governed by Philippine laws. Any legal action arising from this Agreement will be exclusively brought to the jurisdiction of the appropriate court of Bacoor City, Cavite.



    Annex A – Table of Fees