Terms and Conditions

I (We) confirm that:

1. All the statements, information and documents provided by me/us are true, correct and accurate.

2. The relevant consent has been secured from me/us by third party service providers in gathering relevant personal data and information relative to my/our application.

3. Any misrepresentation, falsity or omission of any kind shall be construed as an act to defraud AGK Clover Lending Company, Inc. and shall be a ground for the denial of my/our application, or if such application has already been granted, the cancellation or termination thereof, without prejudice to any and all civil and/or criminal liability that AGK Clover Lending Company, Inc. may pursue against me/us.

4. It is the sole prerogative of AGK Clover Lending Company, Inc. to grant or deny my/our application and should the same be denied, AGK Clover Lending Company, Inc. is in no obligation to provide me/us the reason for such denial, except as may otherwise be provided by law or competent authority.

5. AGK Clover Lending Company, Inc. may impose such reasonable terms, conditions or requirements as it may deem necessary or proper relative to my/our availment of any product, service, facility, channel or any other legitimate business purpose of AGK Clover Lending Company, Inc.

6. I/We shall notify AGK Clover Lending Company, Inc. of any change in the information and documents provided by me/us.

7. I/We may receive updates, notices or announcements on my/our application and/or any of the products, services, facilities or channels via SMS/text, email, messaging apps, or such other means or modes of communication deemed appropriate by AGK Clover Lending Company, Inc.

8. I/We have read and understood the Terms and Conditions herein set forth governing the products, services, facilities or channels found at www.agkclover.com  and hereby expressly agree to the Terms and Conditions thereof.

9. The foregoing shall apply to all products, services, facilities, or channels of AGK Clover Lending Company, Inc. that I/we may avail of. AGK Clover Lending Company, Inc. hereby warrants to keep confidential all information and documents obtained from me/us relative to my/our application, accounts, transactions, credit relationships, credit facilities or other legitimate business purposes, except in so far as may be required by applicable laws and/or any government regulators or supervisory bodies.

10. I/We hereby agree to give my/our consent to AGK Clover Lending Company, Inc., including its duly authorized representatives and agents to:

a. Collect, use, store, consolidate and process any and all information provided by me/us.

b. Outsource the processing of information to its duly authorized third party service providers, whether within or outside the Philippines.

c. Verify or validate my/our information with any government institutions, bureaus, agencies, offices or instrumentalities, as well as any court or        tribunal.

d. Disclose and share my/our information to:

i. AGK Clover Lending Company, Inc.’s parent, subsidiaries, affiliates and related interests;

ii. Credit information, investigation companies and credit bureaus such as the Credit Information Corporation (CIC, RA 9510), consumer reporting and other similar entities; Any government institutions, bureaus, agencies, offices or instrumentalities, as well as any court or tribunal, as may be required by law or competent authority;

iii. Any potential transferee or assignee of AGK Clover Lending Company, Inc.’s rights and/or obligations under relevant contracts or agreements;

iv. Third party service providers, such as but not limited to credit investigators or collection agencies engaged by AGK Clover Lending Company, Inc. for use in marketing, promotions, networks, loyalty programs and joint venture partners and other relevant external parties, whether based within or outside the Philippines (collectively the “Relevant Parties”); and

v. Such other persons or entities that AGK Clover Lending Company, Inc. may deem necessary or appropriate to facilitate the corporation’s legitimate business purposes or those that may relate or arise therefrom, as and when the circumstances may warrant. The foregoing constitutes my/our express consent under the applicable confidentiality and data privacy laws of the Philippines and other jurisdiction and I/we hereby agree and consent to hold AGK Clover Lending Company, Inc., including the Relevant Parties, free from any and all liabilities, claims, damages and/or suits of whatever kind and nature, that may arise in connection with the implementation and compliance with the authorization conferred by me/us hereunder.