Terms of Use

A. Nature of the Site

PureOrbit Digital is an educational platform. All content published on the Site is intended to provide general information about financial products, banking practices, and consumer rights in the Philippines. Nothing on this Site constitutes financial advice, legal advice, investment advice, or a recommendation to acquire or dispose of any financial product.

We do not hold any license from the Bangko Sentral ng Pilipinas, the Securities and Exchange Commission, or any other Philippine regulatory authority to provide financial services, financial advisory services, or financial intermediary services. We are not a financial institution.

B. Permitted Use

You may access and use the Site for personal, non-commercial educational purposes. You may share links to content on the Site. You may not reproduce, copy, republish, or distribute substantial portions of the Site's content without our prior written permission. You may not use the Site in any way that violates applicable Philippine law or these Terms of Use.

You agree not to use automated tools to scrape, crawl, or extract data from the Site in a manner that places excessive load on our servers or circumvents access controls. You agree not to attempt to gain unauthorized access to any part of the Site or its underlying systems.

C. Accuracy of Content

We make reasonable efforts to ensure the educational content on this Site is accurate and reflects current Philippine law and BSP regulations. However, financial regulations change. We do not warrant that all content is current at all times. Content should be verified against primary sources, including the BSP, NPC, and relevant Philippine statutes, before being relied upon for any purpose.

The loan cost estimator tool on the Site is provided for illustrative educational purposes only. It does not represent actual loan offers, actual interest rates charged by any lender, or actual repayment obligations. Calculations are approximations based on simplified models.

D. Intellectual Property

All content on the Site, including text, design elements, graphics, and the overall look and feel, is the property of PureOrbit Digital or its content contributors and is protected by applicable intellectual property laws. The PureOrbit Digital name and logo are trademarks of PureOrbit Digital.

Nothing in these Terms grants you any license to use our intellectual property beyond the limited access rights described in Section B above.

E. Third-Party Links and Resources

The Site may contain links to external websites, including government resources, regulatory body websites, and other educational sources. These links are provided for informational convenience. PureOrbit Digital does not endorse, control, or take responsibility for the content, accuracy, or privacy practices of any linked external site. Accessing external links is at your own discretion.

F. Limitation of Liability

To the fullest extent permitted by applicable Philippine law, PureOrbit Digital shall not be liable for any loss or damage arising from your use of or reliance on information published on the Site. This includes, without limitation, any financial loss resulting from decisions made based on content on this Site.

The Site is provided on an "as is" and "as available" basis. We do not warrant uninterrupted or error-free operation of the Site.

G. Governing Law

These Terms of Use are governed by the laws of the Republic of the Philippines. Any dispute arising from your use of the Site shall be subject to the jurisdiction of the appropriate courts of the Philippines.

H. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes take effect when posted on the Site. The "Last Updated" date at the top of this page reflects when changes were last made. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

I. Contact

For questions about these Terms of Use, contact us at info@pureorbit.digital or write to PureOrbit Digital, 96 A Mabini St, San Pedro, Laguna, Philippines.