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8.2 You agree and allow Maya Bank to use, share, obtain, or update your information provided to Maya Bank and/or gathered by Maya Bank with the credit bureau or other external parties, as well as any relevant government agencies, for underwriting and credit scoring, pre-due reminder, collection, and other legitimate purposes. For MCCL, the Principal Amount will be credited to the Merchant for the purchase of the relevant goods and/or services. 3.9 You acknowledge that Maya Bank reserves the right to approve or reject your Maya Easy Credit application and has no obligation to disclose reasons for the rejection or disapproval of such application. Maya Bank has the sole discretion to approve only a portion of the amount availed of.

Maya Easy CreditTerms and Conditions

9.1 You are free to close your Account with Maya Bank, subject to the submission of necessary documents and the surrender of items or documents evidencing ownership. A reasonable nominal charge will be imposed if the Account is closed within thirty (30) days from its opening. 2.4 Dormant Account black hat seo tools: Telegram – @seokaya refers an account that has had no deposit or withdrawal for a period of 2 years. 2.2 Affiliates refers to any person or entity controlled by or under common control with another person. 13.8 These Terms shall be construed and governed in accordance with the laws of the Philippines.

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  • If you have any concerns about a procedure or have encountered a problem with our service, we will do our best to address it within ten (10) banking days.
  • Such applicable interest, fees, and other charges may change over time, subject to existing laws and regulations.
  • 7.2 By visiting and/or using the Maya App, you declare, undertake, and affirm that you take sole responsibility for whatever consequences that may arise out of your visit and/or use of our facilities.
  • Pursuant to the IRR of the AMLA, you shall also authorize Maya Bank to maintain and safely store all records of all transactions involving your Account for five (5) years from the dates of these transactions.
  • Discover diverse fishing locations, strategically select your bait, and reel in elusive, valuable fish to enhance your chances of hitting the massive jackpot.

It’s a new dawn indeed in Quezon City which hopefully would translate to better lives for the city’s jobseekers and the unemployed. Marcos highlighted the revenues from the gaming industry, saying that the sector has been contributing immensely to the operations of government agencies such as the Philippine Health Insurance Corp., the Philippine Sports Commission and the Dangerous Drugs Board. Actually, that whole North Triangle area, which includes Trinoma and Vertis North malls, is already well developed and comparable to other financial districts in Metro Manila. The hotel sits on a 1.5-hectare site in the North EDSA area, serving northern Metro Manila and adjacent provinces.

  • The late penalty fee will be calculated from the day immediately following the Due Date until full and final settlement of the overdue balance.
  • 8.2 You agree and allow Maya Bank to use, share, obtain, or update your information provided to Maya Bank and/or gathered by Maya Bank with the credit bureau or other external parties, as well as any relevant government agencies, for underwriting and credit scoring, pre-due reminder, collection, and other legitimate purposes.
  • It’s worth emphasizing that the customer service team is knowledgeable and approachable, resulting in conversations that are not only beneficial but also truly enjoyable.
  • For MCCL, the Principal Amount will be credited to the Merchant for the purchase of the relevant goods and/or services.
  • A reasonable nominal charge will be imposed if the Account is closed within thirty (30) days from its opening.

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10.1 You authorize Maya Bank and its official partners to process the personal information that you have provided directly or indirectly in our data collection touchpoints relevant to the respective purposes furnished to you in our privacy notices. Maya Bank reserves the right, in its sole discretion, to take any necessary actions, such as freezing of the account or filing interpleader suits. You understand that such actions are authorized, approved, and ratified by you and you hold Maya Bank free from any liability arising therefrom. You agree that it is your responsibility to take all reasonable precautions to ensure that the device used to access the Maya App is free or is reasonably protected from any computer viruses or similar devices or software including, but not limited to, Trojan horses and worms. 6.12 Once you confirm the transaction or ask Maya Bank to proceed with the Transaction, you agree that you may neither cancel nor reverse such transaction.

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  • If you have clarifications on the Billing Statements, please report your concerns through Maya Bank Hotline found in Maya App and at mayabank.ph.
  • 2.2 Affiliates refers to any person or entity controlled by or under common control with another person.
  • For those who crave the authenticity of a brick-and-mortar casino setting, Casino Plus delivers an immersive live casino experience.

BingoPlus, your comprehensive entertainment platform in the country and provider of your favorite online tongits, bingo, and perya games, delivered a fun-filled and truly entertaining year for the pageant scene in the country as the brand successfully presented Miss Universe Philippines (MUPH) 2024. In a world of endless possibilities, Cebuana Lhuillier Finance Corporation (CLFC) stands as a beacon of hope, offering a myriad of products and services tailored to uplift the lives of countless Filipinos. From Motorcycle Loans that fuel dreams of mobility to Microbiz Loans that ignite entrepreneurial spirits, CLFC’s arsenal of financial solutions paves the way for a brighter future. 1.3.1 Proceeds from your Personal Goal (total deposit plus accrued interest less applicable withholding taxes), regardless if it is cancelled or completed, will be credited to your own Maya Savings account.

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Data Privacy Statement

2.4 Customer – refers to the person / party who has opened a Maya Easy Credit account from Maya Bank and/or has availed of or used Maya Easy Credit. A trusted universal bank in the country, RCBC is dedicated to empowering you on your financial journey. Find the perfect banking solution and zero in on the best choice with our range of banking services. It’s worth emphasizing that the customer service team is knowledgeable and approachable, resulting in conversations that are not only beneficial but also truly enjoyable.

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2.3 Coverage Period – refers to the specific period of time in which all transactions posted within the start and end dates covered in your latest Billing Statement. These transactions will form part of the Total Amount Due that must be settled on or before the Due Date specified on the Billing Statement and/or in your Maya App. 2.2 Billing Statement – refers to the electronically generated notification at the end of each Coverage Period, which is sent by Maya Bank through your registered e-mail address and accessible on the Maya App. This statement informs you about the Total Amount Due for your Maya Easy Credit and the Due Date thereof. Depending on your eligibility, you may be charged with a service fee of as low as 3.99%. This dedication to providing an equally fascinating experience across all devices solidifies black hat seo tools: Telegram – @seokaya as the epitome of Philippine online casinos.

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  • Failure to notify Maya Bank of your intention to terminate your Account shall be construed as acceptance of the amendments to these Terms.
  • In 2022, during a time of need, they collaborated with the Local Government Unit and PAGCOR to extend a helping hand to typhoon victims.
  • If on the Due Date your Total Amount Due is still unpaid, including all charges, fees, penalties and interest accrued and unpaid thereon, the Total Amount Due shall be immediately due and demandable, without need of presentment, demand, protest or further notice of any kind, all of which are herein expressly and specifically waived by you.
  • In a world of endless possibilities, Cebuana Lhuillier Finance Corporation (CLFC) stands as a beacon of hope, offering a myriad of products and services tailored to uplift the lives of countless Filipinos.

6.2 You agree that it is your responsibility to securely keep your PIN and/or Password. The use of your User ID, PIN and/or Password including one-time passwords (OTPs) will serve as your irrevocable authorization for us to carry out transactions that you initiated. Any fraudulent or negligent activity by your agents, employees, officers, and authorized representatives using your User ID, your PIN, Password and/or OTP, such as but not limited to unauthorized withdrawals or transfers, that may bring about financial losses to you is your sole responsibility. 5.4 In case of failure to pay the Total Amount Due on or before the due date, you acknowledge that your Maya Easy Credit will be considered past due and you shall be liable to pay a late penalty fee on the overdue Principal Amount per day, in addition to the fees and charges, as indicated in the Disclosure Statement. The late penalty fee will be calculated from the day immediately following the Due Date until full and final settlement of the overdue balance. At betlab.ph, we meticulously curate a comprehensive list of online casinos in the Philippines.

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Non-enforcement of any of the rights of Maya Bank under these Terms, under the law or under principles of equity shall not be construed as a waiver thereof. Likewise, no subsequent course of action by Maya Bank, by you, and/or by any third party, individually or collectively, shall not operate and shall not be construed to operate as abandonment, amendment, or modification of these Terms. You likewise hereby declare, affirm, and undertake the sole obligation to indemnify Maya Bank or any third party for any damage Maya Bank or said third party may sustain as a result of your use of our facilities. Maya Bank makes no warranty of any kind, express or implied, for such service updates and/or messages, but you hereby agree to receive such service updates and/or messages and hold Maya Bank free from any liability and/or claims for indemnification or damages that may arise there from. You understand that failure to abide by these obligations is subject to Maya Bank applying reasonable penalties to you and your Account, including but not limited to charges, suspension, and/or termination of your Maya Bank Account, and proper reporting to the applicable authority of the laws, rules, and regulations that govern Maya Bank.

  • 3.2 You authorize Maya Bank to make, directly or through third parties, any inquiries necessary to verify your identity and to assess your capability to make payments in accordance with Maya Easy Credit policies.
  • 5.10 Maya Bank shall have the right to automatically suspend or block the transaction or any Account in the event that Maya Bank has reason to believe that the transaction or the account may be illegal or used for fraudulent or suspicious businesses or by an unauthorized person.
  • Kung hindi ka pa nakakatry ng GCash, maaaring mag-sign up sa app para ma-enjoy ang cashless at convenient transactions.Kaya kung mahilig ka sa sports at gaming, mag-download na ng Glife at subukan ang Arena Plus.
  • You warrant that all the information you provided in your Maya Easy Credit account are valid, true, and correct.
  • You hereby understand, agree, and undertake sole responsibility for your continued access to or use of our facilities, as well as the results or consequences of such access and use, including the responsibility for compliance with applicable local laws and the sole liability for non-compliance or breach thereof.

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  • Whether you enjoy the thrill of slot games, the strategy of blackjack, or the spin of the roulette wheel, Casino Plus has a game that is perfectly suited to your unique style of playing.
  • When entering the online betting realm at JILIEVO Club, players will encounter many of today’s most popular betting games.
  • PAGCOR is an independent regulatory body responsible for ensuring that casinos comply with the practices and regulations applicable to online casinos.
  • 2.6 Maya App refers to the mobile application that serves as the interface between the account holder and Maya Bank Account, whose terms of use shall be in accordance with the Terms and Conditions and User’s Guide found in the said Maya App.

Any additional fees charged by the Merchant in connection with the MCCL transaction are charged or imposed by the Merchant in its sole discretion and do not represent any fees charged or imposed by Maya Bank to you. 3.6 You agree that the information in your Maya account may be used by Maya Bank to pre-fill any future applications for other products and services offered by Maya Philippines, Inc. and Maya Bank in the Maya App. 3.3 You agree to periodically provide your updated duly stamped received Income Tax Returns, if applicable, to Maya Bank, along with any supporting financial documents that Maya Bank may require, from time to time. You agree to waive your confidentiality on the aforementioned documents and authorize Maya Bank or its authorized representative, to verify, at any time, the authenticity of the submitted documents with the Bureau of Internal Revenue and your employer, if any. 2.18 Service Fee – refers to the fee charged upon using Maya Easy Credit to transfer funds to Maya Wallet or to purchase goods and/or services.

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2.17 Principal Amount – refers to the face value of the amount transferred to Maya Wallet or the cost of goods and/or services purchased directly from a Merchant using Maya Easy Credit. 2.11 Maya Wallet – refers to your e-Wallet in the consumer app of Maya Philippines, Inc., which will be the destination account when you transfer the Principal Amount drawn from your Maya Easy Credit. 2.5 Credit Limit – refers to the maximum amount you may borrow from Maya Bank, the proceeds of which you may use to purchase goods and/or services or transfer to Maya Wallet using Maya Easy Credit.

  • 2.6 Disclosure Statement (DS) – refers to the disclosure statement required under the Truth in Lending Act (Republic Act No. 3765) and other relevant laws and regulations.
  • 13.8 These Terms shall be construed and governed in accordance with the laws of the Philippines.
  • Publication in Maya Bank’s website shall also be sufficient notice, as may be required by this Agreement.

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13.5 Maya Bank has the absolute right to terminate the Agreement together with any other document executed between you and Maya Bank at any time due to any breach of any of the terms and conditions of the Agreement. 2.1 Affiliates – refer to any person or entity controlled by or under common control with another person. By adhering to these guidelines, Casino Plus ensures that its venues provide a secure and trustworthy atmosphere for those looking for a responsible and fun gambling experience. Above all, Casino Plus is committed to adhering to the restrictions and guidelines established by PAGCOR. This unwavering focus not only promotes them as trustworthy and safe gaming enterprises but also instills trust and confidence in Filipino players. Whether you find yourself inquiring about ongoing promotions or seeking guidance with a specific game, the dedicated customer support team is available round-the-clock via their live chat option, allowing you to conveniently leave your message.

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8.2 You agree and allow Maya Bank to use, share, obtain, or update your information provided to Maya Bank and/or gathered by Maya Bank with the credit bureau or other external parties, as well as any relevant government agencies, for underwriting and credit scoring, pre-due reminder, collection, and other legitimate purposes. For MCCL, the Principal Amount will be credited to the Merchant for the purchase of the relevant goods and/or services. 3.9 You acknowledge that Maya Bank reserves the right to approve or reject your Maya Easy Credit application and has no obligation to disclose reasons for the rejection or disapproval of such application. Maya Bank has the sole discretion to approve only a portion of the amount availed of.

Maya Easy CreditTerms and Conditions

9.1 You are free to close your Account with Maya Bank, subject to the submission of necessary documents and the surrender of items or documents evidencing ownership. A reasonable nominal charge will be imposed if the Account is closed within thirty (30) days from its opening. 2.4 Dormant Account black hat seo tools: Telegram – @seokaya refers an account that has had no deposit or withdrawal for a period of 2 years. 2.2 Affiliates refers to any person or entity controlled by or under common control with another person. 13.8 These Terms shall be construed and governed in accordance with the laws of the Philippines.

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Write us in Telegram @seokaya

With cutting-edge strategies and a bold approach, we push the boundaries to place your content right where your audience can see it—on top of search results. Forget the waiting and compliance—embrace the efficiency of tactics that put you ahead.

Shop at your favorite merchants with Maya Easy Credit

  • If you have any concerns about a procedure or have encountered a problem with our service, we will do our best to address it within ten (10) banking days.
  • Such applicable interest, fees, and other charges may change over time, subject to existing laws and regulations.
  • 7.2 By visiting and/or using the Maya App, you declare, undertake, and affirm that you take sole responsibility for whatever consequences that may arise out of your visit and/or use of our facilities.
  • Pursuant to the IRR of the AMLA, you shall also authorize Maya Bank to maintain and safely store all records of all transactions involving your Account for five (5) years from the dates of these transactions.
  • Discover diverse fishing locations, strategically select your bait, and reel in elusive, valuable fish to enhance your chances of hitting the massive jackpot.

It’s a new dawn indeed in Quezon City which hopefully would translate to better lives for the city’s jobseekers and the unemployed. Marcos highlighted the revenues from the gaming industry, saying that the sector has been contributing immensely to the operations of government agencies such as the Philippine Health Insurance Corp., the Philippine Sports Commission and the Dangerous Drugs Board. Actually, that whole North Triangle area, which includes Trinoma and Vertis North malls, is already well developed and comparable to other financial districts in Metro Manila. The hotel sits on a 1.5-hectare site in the North EDSA area, serving northern Metro Manila and adjacent provinces.

  • The late penalty fee will be calculated from the day immediately following the Due Date until full and final settlement of the overdue balance.
  • 8.2 You agree and allow Maya Bank to use, share, obtain, or update your information provided to Maya Bank and/or gathered by Maya Bank with the credit bureau or other external parties, as well as any relevant government agencies, for underwriting and credit scoring, pre-due reminder, collection, and other legitimate purposes.
  • It’s worth emphasizing that the customer service team is knowledgeable and approachable, resulting in conversations that are not only beneficial but also truly enjoyable.
  • For MCCL, the Principal Amount will be credited to the Merchant for the purchase of the relevant goods and/or services.
  • A reasonable nominal charge will be imposed if the Account is closed within thirty (30) days from its opening.

PBA: Jamie Malonzo gives update on injury, shows support for Ginebra in Game 6

10.1 You authorize Maya Bank and its official partners to process the personal information that you have provided directly or indirectly in our data collection touchpoints relevant to the respective purposes furnished to you in our privacy notices. Maya Bank reserves the right, in its sole discretion, to take any necessary actions, such as freezing of the account or filing interpleader suits. You understand that such actions are authorized, approved, and ratified by you and you hold Maya Bank free from any liability arising therefrom. You agree that it is your responsibility to take all reasonable precautions to ensure that the device used to access the Maya App is free or is reasonably protected from any computer viruses or similar devices or software including, but not limited to, Trojan horses and worms. 6.12 Once you confirm the transaction or ask Maya Bank to proceed with the Transaction, you agree that you may neither cancel nor reverse such transaction.

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  • If you have clarifications on the Billing Statements, please report your concerns through Maya Bank Hotline found in Maya App and at mayabank.ph.
  • 2.2 Affiliates refers to any person or entity controlled by or under common control with another person.
  • For those who crave the authenticity of a brick-and-mortar casino setting, Casino Plus delivers an immersive live casino experience.

BingoPlus, your comprehensive entertainment platform in the country and provider of your favorite online tongits, bingo, and perya games, delivered a fun-filled and truly entertaining year for the pageant scene in the country as the brand successfully presented Miss Universe Philippines (MUPH) 2024. In a world of endless possibilities, Cebuana Lhuillier Finance Corporation (CLFC) stands as a beacon of hope, offering a myriad of products and services tailored to uplift the lives of countless Filipinos. From Motorcycle Loans that fuel dreams of mobility to Microbiz Loans that ignite entrepreneurial spirits, CLFC’s arsenal of financial solutions paves the way for a brighter future. 1.3.1 Proceeds from your Personal Goal (total deposit plus accrued interest less applicable withholding taxes), regardless if it is cancelled or completed, will be credited to your own Maya Savings account.

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Data Privacy Statement

2.4 Customer – refers to the person / party who has opened a Maya Easy Credit account from Maya Bank and/or has availed of or used Maya Easy Credit. A trusted universal bank in the country, RCBC is dedicated to empowering you on your financial journey. Find the perfect banking solution and zero in on the best choice with our range of banking services. It’s worth emphasizing that the customer service team is knowledgeable and approachable, resulting in conversations that are not only beneficial but also truly enjoyable.

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Lets Fuck Google Together: TELEGRAM @seokaya

2.3 Coverage Period – refers to the specific period of time in which all transactions posted within the start and end dates covered in your latest Billing Statement. These transactions will form part of the Total Amount Due that must be settled on or before the Due Date specified on the Billing Statement and/or in your Maya App. 2.2 Billing Statement – refers to the electronically generated notification at the end of each Coverage Period, which is sent by Maya Bank through your registered e-mail address and accessible on the Maya App. This statement informs you about the Total Amount Due for your Maya Easy Credit and the Due Date thereof. Depending on your eligibility, you may be charged with a service fee of as low as 3.99%. This dedication to providing an equally fascinating experience across all devices solidifies black hat seo tools: Telegram – @seokaya as the epitome of Philippine online casinos.

Strengthening marine lubrication: A step toward productivity and sustainability Solutions

  • Failure to notify Maya Bank of your intention to terminate your Account shall be construed as acceptance of the amendments to these Terms.
  • In 2022, during a time of need, they collaborated with the Local Government Unit and PAGCOR to extend a helping hand to typhoon victims.
  • If on the Due Date your Total Amount Due is still unpaid, including all charges, fees, penalties and interest accrued and unpaid thereon, the Total Amount Due shall be immediately due and demandable, without need of presentment, demand, protest or further notice of any kind, all of which are herein expressly and specifically waived by you.
  • In a world of endless possibilities, Cebuana Lhuillier Finance Corporation (CLFC) stands as a beacon of hope, offering a myriad of products and services tailored to uplift the lives of countless Filipinos.

6.2 You agree that it is your responsibility to securely keep your PIN and/or Password. The use of your User ID, PIN and/or Password including one-time passwords (OTPs) will serve as your irrevocable authorization for us to carry out transactions that you initiated. Any fraudulent or negligent activity by your agents, employees, officers, and authorized representatives using your User ID, your PIN, Password and/or OTP, such as but not limited to unauthorized withdrawals or transfers, that may bring about financial losses to you is your sole responsibility. 5.4 In case of failure to pay the Total Amount Due on or before the due date, you acknowledge that your Maya Easy Credit will be considered past due and you shall be liable to pay a late penalty fee on the overdue Principal Amount per day, in addition to the fees and charges, as indicated in the Disclosure Statement. The late penalty fee will be calculated from the day immediately following the Due Date until full and final settlement of the overdue balance. At betlab.ph, we meticulously curate a comprehensive list of online casinos in the Philippines.

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Non-enforcement of any of the rights of Maya Bank under these Terms, under the law or under principles of equity shall not be construed as a waiver thereof. Likewise, no subsequent course of action by Maya Bank, by you, and/or by any third party, individually or collectively, shall not operate and shall not be construed to operate as abandonment, amendment, or modification of these Terms. You likewise hereby declare, affirm, and undertake the sole obligation to indemnify Maya Bank or any third party for any damage Maya Bank or said third party may sustain as a result of your use of our facilities. Maya Bank makes no warranty of any kind, express or implied, for such service updates and/or messages, but you hereby agree to receive such service updates and/or messages and hold Maya Bank free from any liability and/or claims for indemnification or damages that may arise there from. You understand that failure to abide by these obligations is subject to Maya Bank applying reasonable penalties to you and your Account, including but not limited to charges, suspension, and/or termination of your Maya Bank Account, and proper reporting to the applicable authority of the laws, rules, and regulations that govern Maya Bank.

  • 3.2 You authorize Maya Bank to make, directly or through third parties, any inquiries necessary to verify your identity and to assess your capability to make payments in accordance with Maya Easy Credit policies.
  • 5.10 Maya Bank shall have the right to automatically suspend or block the transaction or any Account in the event that Maya Bank has reason to believe that the transaction or the account may be illegal or used for fraudulent or suspicious businesses or by an unauthorized person.
  • Kung hindi ka pa nakakatry ng GCash, maaaring mag-sign up sa app para ma-enjoy ang cashless at convenient transactions.Kaya kung mahilig ka sa sports at gaming, mag-download na ng Glife at subukan ang Arena Plus.
  • You warrant that all the information you provided in your Maya Easy Credit account are valid, true, and correct.
  • You hereby understand, agree, and undertake sole responsibility for your continued access to or use of our facilities, as well as the results or consequences of such access and use, including the responsibility for compliance with applicable local laws and the sole liability for non-compliance or breach thereof.

PBA Player of the Game Highlights: Bong Quinto sparks Meralco’s strong finish in Game 6 win over Ginebra

  • Whether you enjoy the thrill of slot games, the strategy of blackjack, or the spin of the roulette wheel, Casino Plus has a game that is perfectly suited to your unique style of playing.
  • When entering the online betting realm at JILIEVO Club, players will encounter many of today’s most popular betting games.
  • PAGCOR is an independent regulatory body responsible for ensuring that casinos comply with the practices and regulations applicable to online casinos.
  • 2.6 Maya App refers to the mobile application that serves as the interface between the account holder and Maya Bank Account, whose terms of use shall be in accordance with the Terms and Conditions and User’s Guide found in the said Maya App.

Any additional fees charged by the Merchant in connection with the MCCL transaction are charged or imposed by the Merchant in its sole discretion and do not represent any fees charged or imposed by Maya Bank to you. 3.6 You agree that the information in your Maya account may be used by Maya Bank to pre-fill any future applications for other products and services offered by Maya Philippines, Inc. and Maya Bank in the Maya App. 3.3 You agree to periodically provide your updated duly stamped received Income Tax Returns, if applicable, to Maya Bank, along with any supporting financial documents that Maya Bank may require, from time to time. You agree to waive your confidentiality on the aforementioned documents and authorize Maya Bank or its authorized representative, to verify, at any time, the authenticity of the submitted documents with the Bureau of Internal Revenue and your employer, if any. 2.18 Service Fee – refers to the fee charged upon using Maya Easy Credit to transfer funds to Maya Wallet or to purchase goods and/or services.

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2.17 Principal Amount – refers to the face value of the amount transferred to Maya Wallet or the cost of goods and/or services purchased directly from a Merchant using Maya Easy Credit. 2.11 Maya Wallet – refers to your e-Wallet in the consumer app of Maya Philippines, Inc., which will be the destination account when you transfer the Principal Amount drawn from your Maya Easy Credit. 2.5 Credit Limit – refers to the maximum amount you may borrow from Maya Bank, the proceeds of which you may use to purchase goods and/or services or transfer to Maya Wallet using Maya Easy Credit.

  • 2.6 Disclosure Statement (DS) – refers to the disclosure statement required under the Truth in Lending Act (Republic Act No. 3765) and other relevant laws and regulations.
  • 13.8 These Terms shall be construed and governed in accordance with the laws of the Philippines.
  • Publication in Maya Bank’s website shall also be sufficient notice, as may be required by this Agreement.