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Agreement to Terms
By accessing or using loan20yearold.top (the "Site"), you agree to be bound by these Terms of Use.
If you do not agree with these terms, please do not use this Site.
What This Site Is
Loan 20 Year Old is an independent informational and comparison website focused on loan apps, credit-building, and personal finance topics relevant to young adults in the Philippines.
We are not a bank, a lending company, a financing company, or a licensed financial institution, and we do not issue loans, process loan applications, or hold any funds on behalf of users.
Not Financial Advice
All content on this Site is provided for general informational purposes only and does not constitute financial, legal, tax, or professional advice tailored to your individual circumstances.
Any decision to apply for a loan, use a financial product, or take any other financial action based on information from this Site is made at your own discretion and risk.
We strongly encourage you to review a lender's official terms and disclosures directly, and to consult a licensed financial professional for guidance specific to your situation, before making significant financial decisions.
Accuracy of Information
We make reasonable efforts to keep information on this Site accurate and up to date, including loan app details, interest rates, SEC registration statuses, and regulatory information.
However, loan terms, rates, promotions, and a company's registration status can change at any time, sometimes without significant public notice, and we cannot guarantee that every detail on this Site reflects the current, real-time status of any third-party lender or product.
We recommend always verifying current terms directly with the lender or relevant government agency (such as the SEC) before applying for or relying on any financial product mentioned here.
Third-Party Links and Services
This Site may contain links to third-party websites, loan apps, or services that are not owned or controlled by us.
We have no control over, and assume no responsibility for, the content, privacy policies, terms of service, or practices of any third-party websites or services.
Your interactions with any third-party lender, app, or platform linked from this Site are governed entirely by that third party's own terms and policies, not ours.
Affiliate Disclosure
Some links on this Site to loan apps or financial products may be affiliate links, meaning we may earn a commission if you apply through them, at no additional cost to you.
This potential commission does not influence the accuracy of the information we provide or the rates and terms offered to you by the third-party lender.
Intellectual Property
All original content on this Site, including articles, comparisons, graphics, and the Loan 20 Year Old name and logo, is the property of Loan 20 Year Old unless otherwise stated, and is protected by applicable intellectual property laws.
You may share links to our content or quote brief excerpts with proper attribution, but you may not reproduce, republish, or redistribute substantial portions of our content without prior written permission.
Acceptable Use
You agree not to use this Site for any unlawful purpose, to attempt unauthorized access to any part of the Site or its underlying systems, or to use automated means (such as bots or scrapers) to extract content from the Site without permission.
Limitation of Liability
To the fullest extent permitted by law, Loan 20 Year Old and its editorial team shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site, your reliance on information provided here, or your interactions with any third-party lender or service referenced on this Site.
This includes, without limitation, any financial loss resulting from a loan agreement, fee, or dispute with a third-party lender, since that relationship exists solely between you and the third party.
No Warranty
This Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, completeness, or fitness for a particular purpose.
Changes to These Terms
We may revise these Terms of Use at any time by updating this page.
Continued use of the Site after changes are posted constitutes your acceptance of the revised terms, so we encourage you to review this page periodically.
Governing Law
These Terms of Use are governed by the laws of the Republic of the Philippines, without regard to conflict of law principles.
Severability
If any provision of these Terms of Use is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms of Use, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Loan 20 Year Old regarding your use of this Site, superseding any prior agreements or understandings.
Contact Us
If you have questions about these Terms of Use, please reach out through our Contact page or email us at admin@loan20yearold.top.