Legal

Terms of Service

Please read these terms carefully before using VertexLoan

Last updated: June 20, 2025
⚠️ VertexLoan is not a lender. We are an advertising and lead generation intermediary. We do not issue loans, set interest rates, or make credit decisions. All loan terms are determined solely by our licensed lending partners.

1. Acceptance of Terms

By accessing or using the VertexLoan website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

2. Nature of Our Service

VertexLoan operates as an online advertising and lead generation platform. Our service is limited to:

We are not a bank, financial institution, or licensed lender. We do not guarantee that you will be approved for any loan, nor do we control the terms, rates, or availability of any loan product.

3. Eligibility to Use This Site

By using this Site, you represent and warrant that you:

4. Loan Products & Third-Party Lenders

All loan products displayed on or through this Site are offered by independent third-party lenders who are registered with the Securities and Exchange Commission (SEC) of the Philippines. VertexLoan does not endorse any specific lender or loan product.

Loan terms, including interest rates, fees, repayment schedules, and eligibility criteria, are set entirely by the individual lenders. You should carefully review any loan agreement before accepting an offer.

Representative loan ranges displayed on this Site (₱10,500–₱25,000, 3–6 month terms, 11.9% monthly interest, up to 143% APR) are for illustrative purposes only and are not guaranteed.

5. Accuracy of Information

You agree to provide accurate and complete information when submitting the eligibility form or any other form on this Site. Providing false, misleading, or fraudulent information may result in your removal from our platform and may be reported to relevant authorities.

We make reasonable efforts to ensure the accuracy of information on this Site, but we do not warrant that all content is current, complete, or error-free. Loan product details are subject to change without notice.

6. Email Communications & AWeber

By submitting the lead capture form on this Site, you consent to receive marketing emails and loan-related communications from VertexLoan and our partner lenders. Your email is collected and stored via AWeber, our email marketing service provider.

You may unsubscribe from our mailing list at any time by clicking the "Unsubscribe" link in any email we send, or by contacting us at support@vertexloan.com.

7. No Financial Advice

Nothing on this Site constitutes financial, legal, or credit advice. The information provided is for general informational purposes only. Before taking out a loan, you should carefully consider whether borrowing is appropriate for your financial situation and seek independent professional advice if needed.

8. Limitation of Liability

To the maximum extent permitted by applicable law, VertexLoan and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

Your sole remedy for dissatisfaction with this Site is to stop using it.

9. Intellectual Property

All content on this Site, including text, graphics, logos, and design elements, is the property of VertexLoan or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Prohibited Uses

You agree not to use this Site to:

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of the Philippines.

12. Contact Us

If you have any questions about these Terms of Service, please contact us: