Terms of Service

Effective Date: January 05, 2026

These Terms of Service govern access to and use of the website, services, application forms, and related platforms operated by Loan Advisors PH. By accessing this website, submitting information through any online form, or engaging with the services of Loan Advisors PH, you acknowledge that you have read, understood, and agreed to be bound by the terms and conditions described herein.

Loan Advisors PH provides loan coordination and advisory services to individuals and businesses seeking financing through accredited lending institutions. The services provided through this website are intended solely for informational purposes and for the facilitation of loan application coordination.

If you do not agree with any portion of these Terms of Service, you should refrain from using this website or submitting any personal or financial information through our platform.

Nature and Scope of Services

Loan Advisors PH operates as a loan coordination and advisory service that assists applicants in preparing and submitting loan applications to accredited lending institutions. Our services include preliminary consultation, guidance on documentation requirements, and coordination with partner financial institutions for application submission and evaluation.

Loan Advisors PH does not operate as a bank, lending institution, financing company, or credit provider. The company does not extend credit, issue loans, or make lending decisions.

All loan approvals, loan amounts, interest rates, repayment schedules, and related terms are determined solely by the evaluating lending institution based on their internal credit policies and underwriting procedures.

Loan Advisors PH functions solely as a facilitator and coordinator in the loan application process. Any financial agreement resulting from a loan application is entered into directly between the applicant and the lending institution.

Eligibility to Use Services

By accessing this website and submitting information through our platform, you represent and warrant that you are at least eighteen (18) years of age and legally capable of entering into binding agreements under applicable laws.

Applicants must provide accurate and truthful information when submitting an application. Submission of an application through Loan Advisors PH indicates that the applicant voluntarily seeks assistance in coordinating a financing application with accredited lending partners.

Loan Advisors PH reserves the right to decline assistance if the information provided appears incomplete, inconsistent, unverifiable, or potentially fraudulent.

No Guarantee of Loan Approval

Loan Advisors PH does not guarantee loan approval, loan amounts, interest rates, or repayment terms. All credit decisions are made independently by the lending institution based on their own underwriting criteria and risk assessment procedures.

Applicants acknowledge that lending institutions evaluate loan applications based on various factors, including but not limited to income stability, employment status, credit history, existing financial obligations, and overall creditworthiness.

Submission of an application through Loan Advisors PH should not be interpreted as an assurance that a loan will be approved or that requested loan terms will be granted.

Accuracy and Completeness of Information

Applicants are responsible for ensuring that all information submitted through the website, application forms, or communications with Loan Advisors PH is accurate, complete, and truthful.

Providing false, misleading, or incomplete information may result in rejection of the loan application by the lending institution or termination of processing assistance by Loan Advisors PH.

Loan Advisors PH reserves the right to request additional documentation or clarification if submitted information appears inconsistent or insufficient for evaluation purposes.

Applicant Responsibilities

Applicants agree to provide all documentation required by the evaluating lending institution. Such documentation may include, but is not limited to:

• Government-issued identification

• Proof of income or employment

• Certificates of employment

• Bank statements

• Income tax returns

• Proof of billing or address verification

• Financial statements for business applicants

Applicants are responsible for ensuring that submitted documents are clear, valid, and complete. Failure to provide requested documentation in a timely manner may delay the processing of the loan application or prevent submission to the lending institution.

Applicants also agree to cooperate with verification procedures conducted by lending institutions during the credit evaluation process.

Document Authenticity and Verification

Applicants acknowledge that all documents submitted in support of a loan application must be authentic, accurate, and lawfully obtained.

Loan Advisors PH does not create, alter, or modify any client documents submitted for application purposes. Responsibility for the authenticity and accuracy of submitted documentation rests solely with the applicant.

Loan Advisors PH reserves the right to decline or discontinue processing assistance if submitted documents appear falsified, altered, inconsistent, or unverifiable.

Applicants understand that submission of falsified documentation may result in rejection of the application by the lending institution and may expose the applicant to legal consequences under applicable laws.

Application Processing and Coordination

Loan Advisors PH assists applicants by organizing submitted information and coordinating with accredited lending partners. However, Loan Advisors PH does not control the internal evaluation processes, approval timelines, or decision-making procedures of the lending institutions.

Processing times may vary depending on the policies of the evaluating institution, the completeness of submitted documentation, and verification requirements.

Loan Advisors PH shall not be held responsible for delays, additional requirements, or modifications in loan terms imposed by the lending institution.

Non-Circumvention of Introduced Lending Institutions

Loan Advisors PH may introduce applicants to accredited lending institutions as part of the loan coordination process.

Applicants agree that any lending institution introduced through Loan Advisors PH is considered part of the coordination process facilitated by the company. Applicants agree not to intentionally circumvent Loan Advisors PH by directly negotiating, applying, or transacting with a lending institution introduced through the company for the purpose of avoiding coordination arrangements.

Nothing in this clause prevents applicants from independently applying to financial institutions that were not introduced through the services of Loan Advisors PH.

Compensation and Service Fees

Loan Advisors PH may receive commissions, referral fees, or service compensation from partner financial institutions in connection with successfully processed loan applications.

Such compensation arrangements form part of standard referral and coordination agreements between Loan Advisors PH and partner institutions and do not influence the independent credit evaluation performed by the lending institution.

Unless explicitly stated in writing, applicants are not required to pay any upfront fees for submitting an application through Loan Advisors PH.

Data Processing and Information Sharing

Loan Advisors PH collects and processes personal and financial information submitted through this website for the purpose of facilitating loan applications with accredited lending partners.

By submitting information through our forms or communications, applicants authorize Loan Advisors PH to review, organize, and transmit relevant information to partner financial institutions for evaluation.

Information provided may also be used to communicate with applicants regarding application status, documentation requests, or financing opportunities available through partner institutions.

All personal data is processed in accordance with applicable data privacy regulations and the company's privacy policies.

Applicant Indemnification

Applicants agree to indemnify and hold harmless Loan Advisors PH, its representatives, and affiliated partners from any claims, liabilities, losses, or damages arising from:

• inaccurate or misleading information submitted by the applicant

• falsified or altered documents provided during the application process

• unauthorized use of personal or third-party information submitted by the applicant

• disputes between the applicant and the lending institution related to loan agreements

Loan Advisors PH serves only as a coordination and advisory intermediary and does not assume responsibility for contractual obligations established between applicants and lending institutions.

Limitation of Liability

Loan Advisors PH shall not be liable for any losses, damages, financial consequences, or missed opportunities arising from the approval, rejection, modification, or delay of a loan application by any lending institution.

Loan Advisors PH does not assume responsibility for decisions, policies, or lending terms determined by partner banks or financial institutions.

Any financial agreement resulting from the application process exists solely between the applicant and the lending institution.

Website Use and Restrictions

Users agree not to misuse the website by submitting fraudulent applications, attempting unauthorized access to systems, transmitting malicious content, or interfering with website operations.

Loan Advisors PH reserves the right to restrict access to the website or discontinue services if such activities are detected.

Website Availability

Loan Advisors PH strives to maintain the accuracy and availability of the website. However, uninterrupted access cannot be guaranteed.

The website may be temporarily unavailable due to maintenance, system updates, or operational improvements. Loan Advisors PH shall not be held liable for temporary interruptions in website accessibility.

Amendments to Terms of Service

Loan Advisors PH reserves the right to update or modify these Terms of Service at any time. Updated versions will be posted on this page together with the revised effective date.

Continued use of the website following any modifications constitutes acceptance of the updated terms.

Governing Law

These Terms of Service shall be governed by and interpreted in accordance with the laws of the Republic of the Philippines. Any disputes arising from the use of this website or services shall be subject to the jurisdiction of the appropriate courts within the Philippines.

Contact Information

For inquiries regarding these Terms of Service or the services provided by Loan Advisors PH, you may contact:

Loan Advisors PH (MDIR FINANCIAL CONSULTANCY SERVICES)

Unit 9J 20 Lansbergh Place Condominium

170 Tomas Morato Avenue corner Scout Castor Street

Barangay Sacred Heart

Quezon City, Metro Manila 1103