Terms of Service

1. Acceptance of Terms

By accessing and using the HomesPH website and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the terms of this agreement, you are not authorized to use or access HomesPH services.

2. Description of Services

HomesPH provides a platform that connects users with home loan products from various partner banks in the Philippines. Our services include loan calculators, bank comparison tools, and loan application facilitation. We act as an intermediary and do not directly provide loans or financial services.

3. User Responsibilities

As a user of HomesPH, you agree to:

• Provide accurate, current, and complete information
• Not use the service for any unlawful purpose
• Not impersonate any person or entity
• Not interfere with or disrupt the service
• Comply with all applicable laws and regulations

4. Loan Application Process

HomesPH facilitates the connection between users and partner banks. Submission of a loan application through our platform does not guarantee loan approval. All loan decisions, terms, and conditions are determined solely by the respective partner banks. HomesPH is not responsible for loan approval decisions or the terms offered by partner banks.

5. Interest Rates and Loan Information

Interest rates, loan terms, and other information displayed on our platform are for reference purposes only and are subject to change without notice. Actual rates and terms may vary based on individual circumstances and are determined by partner banks. Users should verify all information directly with the respective banks.

6. Calculator Disclaimer

The loan calculators provided on HomesPH are for illustrative purposes only. Results are estimates and should not be considered as actual loan offers or commitments. Actual loan amounts, monthly payments, and terms may differ based on bank assessment and individual eligibility.

7. No Financial Advice

Information provided on HomesPH is for general informational purposes only and does not constitute financial, legal, or professional advice. Users should consult with qualified professionals before making financial decisions.

8. Intellectual Property

All content on HomesPH, including text, graphics, logos, and software, is the property of HomesPH or its content suppliers and is protected by Philippine and international copyright laws. Unauthorized use of any materials may violate copyright, trademark, and other laws.

9. Limitation of Liability

HomesPH shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to damages for loss of profits, data, or other intangible losses. Our total liability shall not exceed the amount paid by you, if any, for using our services.

10. Indemnification

You agree to indemnify and hold harmless HomesPH, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

11. Modifications

HomesPH reserves the right to modify these terms at any time. Changes will be effective immediately upon posting on this page. Your continued use of the service after any changes constitutes acceptance of the new terms.

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising from these terms shall be resolved in the appropriate courts of Makati City, Philippines.

13. Contact Information

For questions about these Terms of Service, please contact us at: