Last updated: June 15, 2025
Welcome to Vamo PH. By accessing and using our website vamoph.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site.
1. About Our Service
Vamo PH is a free online loan matching platform. We display loan offers from SEC-registered lending companies in the Philippines. We are not a lender, broker, or financial advisor. We do not approve or deny loan applications, set interest rates, or make credit decisions. All lending terms are determined solely by the respective lending partner.
2. Eligibility
You must be at least 18 years old and a Filipino citizen or legal resident of the Philippines to use our Site. By using our Site, you represent that you meet these requirements.
3. No Financial Advice
The information on our Site is for general informational purposes only. It does not constitute financial, legal, or investment advice. We recommend consulting a qualified financial professional before making borrowing decisions.
4. Accuracy of Information
We strive to keep all loan information accurate and up-to-date. However, loan terms, interest rates, and availability may change without notice. Always verify the latest terms directly with the lender before applying. Vamo PH is not liable for any discrepancies between the information displayed on our Site and the actual terms offered by lenders.
5. Third-Party Links
Our Site contains links to third-party websites (lending partners). When you click on these links, you leave our Site and are subject to the terms and privacy policies of those third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites.
6. Affiliate Disclosure
Vamo PH earns a commission from lending partners when users apply for loans through our platform. This compensation may influence the order and prominence of offers displayed. However, we strive to provide unbiased recommendations regardless of compensation arrangements.
7. Intellectual Property
All content on this Site — including text, design, logos, graphics, and code — is the property of Vamo PH and is protected by Philippine intellectual property laws. You may not reproduce, distribute, or modify any content without our written permission.
8. Limitation of Liability
Vamo PH shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Site, reliance on information provided, or interaction with lending partners. Our Site is provided "as is" without warranties of any kind.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines.
11. Contact
If you have questions about these Terms, please contact us at support@vamoph.com.