Terms and Conditions

Last Update: 06/09/2025
MONEYCAT FINANCING INC.
SEC Registration No. CS201953073
Certificate of Authority NO. 1254
Registered address at Unit 2A, 17th Floor,
Robinsons Cybergate Center 3, Pioneer Street, Mandaluyong City

By accessing or using https://moneycat.ph/ (the "Website" or the "Platform"), you acknowledge that you have read, understood, and unconditionally agreed to be bound by the General Terms and Conditions set forth below.

These General Terms & Conditions (hereinafter "GT&C") govern the use of the financial services offered by MoneyCat Financing Inc. ("Company" or "Lender") through its Website and associated platforms. GT&C consist of the following sections:

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1. DEFINITIONS

"Applicant" refers to any individual who submits a request for a loan to MoneyCat Financing Inc.

"Agreement" means the mutual agreement between the Lender and the Borrower setting forth the terms and conditions governing the Loan, including its disbursement, repayment, consequences of default, and any ancillary arrangements the parties may enter into from time to time. The Agreement supersedes and replaces any and all prior agreements, understandings, representations, warranties, or arrangements, whether written or oral, between the parties relating to the subject matter hereof. The Agreement includes the GT&C contained herein, the Approved Loan Application together with the incorporated Disclosure Statement, Loan Agreement, and all schedules, annexes, and supplemental agreements that form part of the Agreement.

"You" or "User" refers to any individual who accesses or uses the Website, including those who apply for or receive a loan through the Platform.

"Borrower" refers specifically to a User who has entered into a Loan Agreement with the Company and to whom the Loan has been granted.

"Business Day" means a day (other than a Saturday, Sunday or a public holiday in the Philippines) on which the Lender is opened for business transactions in the normal course of business.

"Cooling-Off Period" means the period prescribed under Republic Act No. 11765 (The Financial Products and Services Consumer Protection Act of 2022) and its Implementing Rules and Regulations as set forth in SEC Memorandum Circular No. 05, series of 2023, during which the Borrower may cancel respective Loan Agreement without penalty.

"Disclosure Statement" the statement given by the Lender to the Borrower before the latter accepts the Loan, setting forth the total amount to be financed, the finance charge, all charges in connection with the Loan, and all other items required under the Truth in Lending Act. The Disclosure Statement is incorporated into and forms an integral part of the Approved Loan Application.

"Loan Application" refers to the formal request submitted by the Applicant via the the Platform, expressing intent to obtain a Loan.

"Loan Decision" means the Lender’s final and binding decision to approve or reject the Loan Application, issued in accordance with the Agreement.

"Loan Agreement" means the contract entered into between the Lender and the Borrower concerning the specific loan product, detailing the terms of the Loan, its repayment schedule, consequences of default, and any other related agreements the parties may enter into from time to time.

"Lender" means MoneyCat Financing Inc., doing business under the names and styles of MoneyCat.Ph and One Click Money.Ph (collectively referred to as “MoneyCat Financing” or the “Company”), is a registered financing company listed with the Securities and Exchange Commission (SEC) of the Philippines.

"Loan" means the term loan facility, which may be granted or has been agreed to be granted by the Lender to the Borrower.

"Loan Amount" means the principal amount of the funds financed by the Lender to be disbursed to the Borrower.

"App" – the Android or IOs based mobile application of the Lender.

"Platform" means either Website or App or both, that are made accessible for the Applicants and Borrowers by the Lender in order to facilitate the provision of its online lending services.

"Website" – https://moneycat.ph/ the official Platform operated by MoneyCat Financing Inc. to offer its online lending services. The Company is duly registered with the Securities and Exchange Commission (SEC) and is listed among the authorized Financing and Lending Companies with Online Lending Platforms, in compliance with SEC Memorandum Circular No. 19, Series of 2019 (SEC MC 19), as of November 2, 2021, and updated as of March 18, 2025.

2. GENERAL COMPLIANCE AND PRIVACY TERMS

MoneyCat Financing Inc. is the exclusive Lender operating through the Platform. All loan products and related services are provided solely by the Company, a duly registered and authorized financing entity in the Philippines.

The Company operates in full compliance with applicable laws and regulatory requirements, including those governing interest rates, fair lending practices, consumer protection, data privacy, and anti-money laundering.

To uphold regulatory standards, the Company reserves the right to verify Borrower information, apply credit limits, or suspend lending services in cases of suspected non-compliance, fraud, or other unlawful activity. The Company may also implement additional measures as necessary to meet ongoing legal and regulatory obligations.

The Company collects, processes, stores, and transfers personal and sensitive information in accordance with the Data Privacy Act of 2012, its implementing rules and regulations, and other applicable laws of the Republic of the Philippines. Applicant’s Personal data may be only used for purposes including, specified in Privacy Policy.

The Company may disclose user information within the Philippines when legally required, provided such disclosure complies with the Data Privacy Act of 2012 and its relevant regulations.

By accepting these GT&C, you consent to the collection, processing, storage, and use of your personal data by the Company and its authorized Partners. Such data includes, but is not limited to, your name, age, photographs, biometric identifiers (including facial and voice recognition data), contact information, employment and financial details, credit history, and loan performance data. Your personal data shall be used solely for purposes including credit evaluation, loan processing, data analytics, collections, profiling, and marketing of products and services by the Company or its Partners.

3. LOAN APPLICATION, BORROWER RESPONSIBILITIES, AND CONDITIONS

3.1 Any individual applying for a loan from the Lender must agree to a set of terms that outline the responsibilities of both the Borrower and the Lender Agreement.

This Agreement includes the following documents:

GT&C;
The Approved Loan Application;
The Loan Agreement;
All related schedules, annexes, and supplemental agreements or documents.

3.2 Borrower’s Obligations.

The Borrower agrees to:

Provide only true, accurate, complete, and verifiable information throughout the Loan Application, approval, and repayment processes;
Promptly update any previously submitted information in the event of changes;
Comply fully with the Agreement and all applicable policies of the Lender.

The Lender shall not be held liable for any claims, damages, or liabilities arising from misrepresentation, omission, or breach of obligations by the Borrower.

3.3 Repayment Obligations.

The Borrower acknowledges and accepts that failure to comply with repayment terms may result in:

The imposition of default interest, penalties, or other applicable charges;
Legal action for recovery by the Lender;
Reporting to credit information systems or bureaus, potentially affecting the Borrower’s creditworthiness.

3.4 Conditions Precedent to Loan Disbursement.

The disbursement of loan proceeds shall be contingent upon the complete fulfillment of the following conditions precedent:

The Borrower’s submission of a duly completed Loan Application, verified electronically via OTP or such other verification method as approved by the Lender;
The provision of valid and accurate bank account details by the Borrower for the purpose of disbursement;
The Borrower’s upload of a recent photograph holding a valid government-issued identification document;
The Borrower’s receipt of the Approved Loan Application and the Loan Agreement on the Borrowers email.

3.5 Loan Acceptance and Cancellation.

The Borrower reviews the Approved Loan Application together with the Loan Agreement within the first 24 hours after they were sent to his email and the Loan Amount was disbursed by the Lander to the Borrowers account.

If the Borrower doesn’t return the Loan Amount to the Lender via the payment methods implemented for the loan repayment by the Lander on the Platform within first 24 hours after receiving the Approved Loan Application together with the Loan Agreement and the Loan Amount (Cooling-Off Period), the terms of the Loan Agreement and the Agreement in all its entirety are considered to be accepted by the Borrower.

4. CHANGES IN THE GT&C

The GT&C are subject to change at any time and upon the Company’s discretion without need for notification to the users of the Platform. Any and all changes made are timely published on the Website and will be effective as of the date specified in updated version of the GT&C. Any further use of the Platform following publishing of an updated version of the GT&C shall be deemed as acceptance of an updated GT&C.

5. TERRITORIAL SCOPE OF SERVICE

The Platform is primarily intended to provide financial services supported by information technology to users located within the Republic of the Philippines.

While the Platform may be accessible from other jurisdictions, its services, content, and features are specifically developed to comply with Philippine laws and regulations.

Users accessing the Platform from outside the Philippines acknowledge and agree that:

Certain services or content may not be applicable, available, or lawful in their jurisdiction;
The Company makes no representation as to the suitability, legality, or availability of the Platform’s services outside the Philippines;
Accessing the Platform from another jurisdiction is done at the user’s own initiative and risk;
It is the user’s sole responsibility to ensure compliance with local laws.

6. REGISTRATION TERMS AND USER WARRANTIES

By completing the registration process on the Platform, you represent, warrant, and agree to the following:

All information, declarations, representations, warranties, and supporting documents submitted through the Platform are, and shall remain, true, accurate, and complete in all respects, and shall comply with all applicable laws and regulations at all times.
You possess the legal capacity and authority to enter into a binding contract (natural persons must be at least 18 years of age).
You are a natural person who is a citizen of the Philippines and currently residing within the territory of the Republic of the Philippines.
You will promptly notify the Company of any changes to your residential address, mobile number, or email address.
Upon successful registration, you expressly consent to receive marketing and promotional content from the Company via email, SMS, voice calls, mobile applications, or other communication channels, using the contact information provided during registration.

The Platform reserves the right to reject any registration application at its sole discretion.

Completion of the registration process requires acceptance of the Privacy Policy, which is published on the Website. The Privacy Policy outlines the Company’s rules and practices regarding the collection, use, processing, storage, disclosure, and protection of personal and sensitive user information.

7. USE OF THE PLATFORM

7.1 Internet Access and Associated Costs.

The User acknowledges and agrees that it is their sole responsibility to maintain a stable internet connection in order to access and use the Website. The User shall bear all costs and expenses associated with internet access and the procurement, maintenance, and operation of any necessary devices or equipment.

7.2 User Representation.

The User represents and warrants that they are accessing and using the Platform solely on their own behalf and not as an agent or representative of any third party. Unauthorized use of the Platform on behalf of any third party is strictly prohibited.

7.3 Authorized Use.

The User agrees to use the Platform solely for lawful purposes and in accordance with the GT&C. Without limiting the foregoing, the User shall not:

engage in any conduct that violates any applicable law, regulation, or third-party rights
collect, harvest, or otherwise obtain data or personal information of other Users without lawful authority or consent
interfere with, disrupt, damage, or impair the operation, functionality, or security of the Website or any connected systems
modify, tamper with, or reverse-engineer any part of the Platform or its infrastructure

7.4 Platform Maintenance.

The Platform may, from time to time and at its sole discretion, temporarily suspend access to the Platform for scheduled maintenance or operational reasons. The Platform shall use commercially reasonable efforts to provide advance notice of any such scheduled downtime. The Platform shall not be liable for any damages or losses arising from the unavailability of the Platform during such periods.

7.5 Account Security and Instruction Validity.

The User is solely responsible for maintaining the confidentiality and security of their account credentials. Any actions or instructions submitted through the User’s registered account shall be deemed valid, authorized, and binding upon the User. The Platform reserves the right, without prior notice, to suspend or terminate the User’s access to the Platform if it reasonably suspects that the account has been compromised, or if any submitted instructions appear to be fraudulent, unauthorized, or incomplete.

8. INTELLECTUAL PROPERTY RIGHTS

8.1 Ownership and Licensing.

The Company owns or is duly licensed to use, as applicable, all intellectual property rights associated with the Platform, including, but not limited to, copyrights, trademarks, logos, designs, and any content published thereon.

8.2 Restrictions on Use.

Any use of the Platform, including registration, does not confer any legal rights to the user regarding the intellectual property contained on the Platform. The user acknowledges that their use of the Platform does not grant them any ownership rights or rights to license the intellectual property of the Company, either expressly or impliedly.

8.3 Use of Trademarks and Content.

All trademarks, logos, names, and visual or textual content available on the Platform are protected by intellectual property laws and may only be used with the prior written authorization of the Company. Unauthorized use of such intellectual property, including reproduction, distribution, display, or modification, is strictly prohibited.

8.4 Legal Actions and Remedies.

The Company reserves the right to take any necessary legal actions and remedies to protect its intellectual property rights in the event of any infringement or violation of this section. This may include seeking injunctive relief, damages, or any other appropriate remedies under applicable laws.

9. CONTENT USE CONDITIONS

9.1 Responsibility for Uploaded Content.

If you use any features on the Platform that allow you to upload content, you are solely responsible for the content you submit. By uploading content, you represent and warrant that you have obtained all necessary consents, permissions, and authority from the disclosers of such information, including but not limited to any personal data or details of third parties mentioned therein.

9.2 Company's Right to Remove Content.

The Company reserves the right, in its sole discretion, to remove any content, documents, or other materials uploaded through the Platform if they violate these GT&C, any applicable laws, or if they infringe upon the rights of third parties. The Company may take such action if it determines, at its discretion, that the content may harm the Platform or its users or otherwise violate any legal or contractual obligations.

9.3 Prohibited Content

The following types of content are strictly prohibited on the Platform and must not be uploaded or shared:

Content that is defamatory, discriminatory, or insulting;
Content that includes hate speech, pornography, extortion, threats, gambling, violence, misuse of narcotics, psychotropic substances, or any other illegal or harmful activities, or content that encourages unlawful behavior;
Content that infringes on any intellectual property rights, including copyrights, trademarks, or other proprietary rights of any party;
Content that attempts to deceive others, impersonate individuals or organizations, or misrepresent your identity or affiliation with others, either illegally or without proper authorization;
Content that falsely gives the impression that it originates from or is endorsed by the Company;
Content that violates any legal or contractual obligations to third parties, including but not limited to confidentiality agreements, data protection laws, or any other obligations to protect the rights of others.

9.4 Grant of Rights to Use Content

By uploading content or documents to the Platform, you grant the Company the right to use, copy, store, publish, modify, and distribute such content as necessary for the operation and provision of services through the Platform. This includes, but is not limited to, the right to share such content with third parties to fulfill the Company’s obligations under these GT&C and for the purpose of providing you with the platform’s services.

9.5 Withdrawal of Content

You retain the right to withdraw any uploaded content or documents from the Platform at any time. However, any rights granted to the Company with respect to the use of such content, as outlined above, will remain in effect even after the content has been withdrawn, unless you specifically request otherwise. The Company is not responsible for any content that has been shared or made publicly available before such withdrawal.

10. PRODUCT DESCRIPTION AND LOAN SELECTION

10.1. Product Information.

MoneyCat Financing is committed to providing accurate, current, and transparent information regarding its loan products and related services. The Company reserves the right to modify, add, suspend, or discontinue any loan products or services at its sole discretion and without prior notice.

10.2. Loan Selection Process.

The Company utilizes an automated system to evaluate the User’s submitted application and recommend the most suitable loan product based on the information provided. Prior to proceeding with any loan, the User must carefully review, accept, and agree to be bound by all applicable terms and conditions. The specific loan conditions — including the loan amount, interest rate, repayment schedule, fees (if any), and other relevant terms — will be clearly stated in the Loan Agreement and Approved Loan Application, which forms an integral part of the Agreement - the contractual relationship between the Borrower and the Company.

11. LIMITATION OF LIABILITY AND INDEMNIFICATION

The Company operates the Platform as the sole Lender and is solely responsible for loan agreements it enters into with Borrowers. It assumes no liability for any third-party relationships or obligations.

The Company makes no warranties or guarantees regarding the availability, suitability, or outcomes of any loan transactions. All use of the Platform is at the Borrower’s sole risk. The Company shall not be liable for any financial or other consequences arising from decisions made by the Borrower, including entering into loan agreements.

The Company disclaims all liability for indirect, incidental, special, consequential, or punitive damages, including loss of profits or data, whether arising from use of the Platform or any errors, omissions, or inaccuracies on the Platform. Liability is limited to the maximum extent permitted by law.

Borrowers agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, employees, agents, and representatives from any claims, losses, damages, liabilities, or expenses (including legal fees) arising out of or related to:

Any breach of these GT&C;
Use of the Platform or its services;
Investigations conducted by the Company regarding such breaches; and
Any resulting findings or consequences.

The Lender shall not be liable for:

Incorrect or erroneous disbursement of Loan proceeds resulting from inaccurate or invalid bank details provided by the Borrower;
Any delay, error, or failure in transferring funds to third parties, where such action was based on the Borrower’s written or electronically submitted instructions.

12. TERMINATION

The Company reserves the right, at its sole discretion, to suspend or delete your account, restrict access to the Platform, and terminate all relations with you without prior notice if:

You violate any applicable law, these GT&C, or other Company policies;
You fail to fulfill your obligations as a Borrower;
Fraudulent, malicious, or deceptive activity is detected;
Your identity cannot be verified, or any information provided is found to be false or misleading.

Termination may occur with immediate effect and without liability to the Company.

13. COMMUNICATION AND ELECTRONIC DOCUMENTATION

13.1 Consent to Electronic Communication.

By submitting a Loan Application, you agree to receive all communications related to the services provided via the Platform using the contact information you provided. The Company retains the discretion to select the most suitable mode of communication, which may include, but is not limited to, calls, email, SMS, in-app notifications, or announcements published on the Platform.

13.2 Consent to Electronic Services.

By providing your explicit consent through any of the affirmative actions described below — including, without limitation, clicking the “GET CASH TODAY” button on the website https://moneycat.ph/, pressing the “Register” button on the App, checking a box on the website https://moneycat.ph/, replying to SMS messages, entering an OTP received via SMS, providing an affirmative response during a recorded mobile or telephone call, registering as a User on the website https://moneycat.ph/ and entering into Agreement (which encompasses the GT&C, the Approved Loan Application, Loan Agreement, and all supplemental schedules and agreements) — you expressly consent to accessing and receiving services offered by the Company through electronic means.

14. USE OF COOKIES AND SIMILAR TECHNOLOGIES

14.1 The Website utilizes HTTP cookies and similar technologies to store information on your electronic device. Cookies enable the Website to recognize returning users, retain user preferences such as language selection, analyze site usage patterns, enhance performance, and assess the effectiveness of marketing efforts.

14.2 You may configure your device or browser to block or disable cookies; however, such actions may impair certain functionalities of the Website.

15. THIRD-PARTY WEBSITE LINKS

15.1 The Website may contain links to external third-party websites over which the Company exercises no control.

15.2 The Company does not warrant the accuracy, reliability, or content of such websites and disclaims all liability arising from your access or use of them.

15.3 Furthermore, the Company does not guarantee the security or confidentiality of any information you provide on third-party websites.

15.4 Your access to and use of any third-party website is undertaken entirely at your own risk and subject to the terms and conditions of the respective external site.

16. MISCELLANEOUS

16.1 Assignment of Rights and Obligations. You shall not assign or transfer any rights or obligations under the Agreement without the prior written consent of the Company. The Company reserves the right to assign or transfer its rights and obligations without your consent.

16.2 Severability. If any provision of these GT&C is held to be invalid or unenforceable, such provision shall be severed and the remaining provisions shall continue in full force and effect.

16.3 No Partnership or Agency. Nothing contained in these GT&C shall be construed as creating any partnership, joint venture, or agency relationship between you and the Company.

16.4 Applicability. These GT&C shall govern your use of the Platform regardless of the means of access, including but not limited to the Website and any mobile applications.

16.5 Legal Notice: Currency of Transactions. All transactions conducted through the Platform shall be in Philippine Peso (PHP), unless otherwise expressly stated. You acknowledge and agree that all payments, refunds, and disbursements will be processed in PHP.

17. GOVERNING LAW AND DISPUTE RESOLUTION

17.1 These GT&C shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

17.2 Any disputes arising out of or relating to these GT&C shall be resolved exclusively through arbitration under the laws and jurisdiction of the Republic of the Philippines.

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