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Terms and Condition

Mobile App and Website Terms and Conditions

This End User License Agreement (“Agreement”) is between you and Slip app and governs use of this app made available through the Apple App Store and Google Playstore. By installing the Slip App, you agree to be bound by this Agreement and understand that there is no tolerance for objectionable content. If you do not agree with the terms and conditions of this Agreement, you are not entitled to use the Slip app.

In order to ensure Slip App provides the best experience possible for everyone, we strongly enforce a no tolerance policy for objectionable content or abusive users. If you see inappropriate content, please use the “Report Post”, “Report Community”, “Block User” feature found in Main Community Screen of the Slip App.

This mobile application is owned by SlipTech Innovations Inc. By accessing and/or using this application and related services, you agree to these Terms and Conditions, which include our Privacy Policy available at www.slip.com.ph/privacy-policy.html. You should review our Privacy Policy and these Terms carefully and immediately cease using our website and Slip Mobile Application if you do not agree to these Terms.

In these Terms, ‘Slip’, ‘us’, ‘we’ and ‘our’ means SlipTech Innovations Inc. and our related bodies corporate.

Registration

You may need to be a registered member to access our products and access certain features of our Slip mobile application.

When you register, and activate your account, you will provide us with personal information such as your name, email, mobile phone number, address (optional), date of birth (optional), gender (optional) and other information associated with transactions and use of each product. You must ensure that this information is accurate and current. We will handle all personal information we collect in accordance with our Privacy Policy.

When you register and activate your account, we will provide you with a user name (mobile number) and password (6 digit PIN). You are responsible for keeping this user name and password secure and are responsible for all use and activity carried out under this user name.

If you are under the age of 13 years, you may not create an account or register as a member. If you are 13 or older but under the age of 18, you represent that you have reviewed these Terms with your parent or legal guardian to make sure that you and your parent or legal guardian understand these Terms. If you are a parent or guardian permitting a person under the age of 18 (a Minor) to create an account, you agree to:

  • exercise supervision over the Minor’s use of our website and account;
  • assume all risks associated with the Minor’s use of our website and their account, including the transmission of content or information to and from third parties via the Internet;
  • ensure that the content and information that the Minor may encounter on our website are suitable for the Minor;
  • assume liabilities resulting from the Minor’s use of our website and their account;
  • ensure the accuracy and truthfulness of all information submitted by the Minor; and
  • provide the consents contained in these Terms on behalf of the Minor.

We may ask you to confirm that you have your parent’s or guardian’s permission and that they have agreed to these Terms on your behalf, and, even if we do not do this, we will assume that this is the case and will provide access to our website, the Slip Application, and your account on this basis.

Collection Notice

We collect personal information about you in order to process your registration, provide you with the Slip service including; Payment transfer, withdrawals, and for purposes otherwise set out in our Privacy Policy.

We may disclose that information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners) or as required by law. If you do not provide this information, we may not be able to provide all of our services to you.

Our Privacy Policy explains: (i) how we store and use, and how you may access and correct your personal information; (ii) how you can lodge a complaint regarding the handling of your personal information; and (iii) how we will handle any complaint. If you would like any further information about our privacy policies or practices, please contact us at support@slip.com.ph.

By providing your personal information to us, you consent to the collection, use, storage and disclosure of that information as described in the Privacy Policy and these Terms.

Accuracy, completeness and timeliness of information

The information on our website is not comprehensive and is intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the information on our website, to the extent permitted by law, including the Philippine Consumer Law, we make no warranty regarding the information on this website and mobile application. You should monitor any changes to the information contained on this website.

We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of this website or a linked website. You must take your own precautions to ensure that whatever you select for your use from our website is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.

We may, from time to time and without notice, change or add to the website (including the Terms) or the information, products or services described in it. However, we do not undertake to keep the website updated. We are not liable to you or anyone else if errors occur in the information on the website or if that information is not up-to-date.

Promotions and competitions

For certain campaigns, promotions or contests, additional terms and conditions may apply. If you want to participate in such a campaign, promotion or contest, you need to agree to the relevant terms and conditions applicable to that campaign, promotion or contest. In case of any inconsistency between such terms and conditions and these Terms, those terms and conditions will prevail.

Payment and withdrawal transaction services

To access Slip Payment and withdrawal transaction services, you agree to comply with and undertake the provisions set out in these Terms and Conditions.

In connection with your registration and use of Slip services, you will:

  • provide us with true, accurate, current and complete evidence of your identity, and update your personal information if and when it changes;
  • provide us with any identity documents as may be requested by us;
  • provide us with true, accurate, current and complete information as we indicate on the website or app that is required to receive services and any other information which may be required in relation to the recipient of these services; and
  • provide us with any other information that must be provided for a transaction request to be properly executed, as specified when you enter the details of the transaction you are interested in our app or website.

We do not accept any liability for loss or damages to you or any third party resulting from non-payment or delay in payment of to a payee or failure to perform an instruction under the service if you are in breach of your obligations listed.

When you are using the app or website under these terms and conditions, it is your responsibility to make sure all the details are accurate before submission. Once a transaction request has been received it is not possible to change any details of that transaction request. You will be given the opportunity to confirm the transaction request before submission and you must check the details carefully.

The total amount (the transaction amount, service fee and other applicable fees and charges) that you will be required to pay and the relevant exchange rate will be displayed clearly on the app or website before you are asked to confirm your transaction and proceeding with the transaction at this point is entirely optional.

Slip will have no responsibility for any fees or charges you may incur by the use of a particular payment instrument to fund a transaction. These may include but are not limited to unauthorised overdraft fees imposed by banks if there are insufficient funds in your bank account or “cash advance” fees and additional interest which may be imposed by credit card providers if they treat use of the service as a cash transaction rather than a purchase transaction.

You will only use Slip services to send money to people that you know personally and not to pay for goods or services from third parties you do not know and trust. You acknowledge that Slip may refuse to process your transaction request where we believe you are using the service to purchase goods or services from third parties you do not know and trust or where we believe that the service is being used, by you or the recipient, in furtherance of fraudulent, illegal or unethical activities. If you choose to pay third parties for goods and services using the service, you acknowledge that Slip has no control over, and is not responsible for, the quality, safety, legality, or delivery of such goods or services and that any such use of the service is entirely at your own risk.

Both you and the recipient will only act on your own behalf. You may not submit an instruction or receive a transaction on behalf of a third person. If you intend to submit an instruction or receive a transaction on behalf of a third person, you must first inform Slip of your desire to do so and provide us with any additional information about the third person we may request in order that we may decide whether to permit the instruction or transaction.

In using the Slip payment and withdrawal services you will comply with these Terms and Conditions as well as any applicable laws, rules or regulations. It is a breach of these Terms and Conditions to use the service to send transaction amounts:

  • to a payee who has violated the Terms and Conditions, or
  • in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organisations.

If Slip reasonably believes you are using the Service in connection with illegal activity or for any fraudulent purpose, or are permitting a third party to do so, Slip may report you to the appropriate legal authorities.

When using our app, website or service or when interacting with Slip with another user or with a third party, you will not:

  • breach these Terms and Conditions, or any other agreement between you and Slip;
  • create more than one account without our prior written permission;
  • provide false, inaccurate, or misleading information;
  • allow anyone else access to your registration details, and you will keep those details safe and secure;
  • refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation;
  • use an anonymising proxy (a tool that attempts to make activity untraceable); or
  • copy or monitor our website using any robot, spider, or other automatic device or manual process, without our prior written permission.

Registration for Slip does not entitle you to make any transaction that you request. We may refuse a transaction at any time for any reason. Where we permit a transaction, we may still suspend or cancel the transaction or the service under this clause.

We may refuse any transaction request, payment request or transaction at any time for any reason. Examples of when that may occur:

  • we may, in our absolute discretion, refuse or cancel transaction requests or transactions where we believe that the service is being used, whether by you or the recipient, in furtherance of illegal, fraudulent or unethical activities;
  • we may, in our absolute discretion, refuse or cancel transaction requests or transactions from certain senders or to certain payees, including but not limited to entities and individuals on restricted or prohibited lists issued from time to time by any government authorities, if we are required to do so by law, or where we have reason to believe processing the transaction requests would violate anti-money laundering or counter-terrorism financing laws and regulations. We may refuse to process a transaction funded from certain payment Instruments where we have reason to believe the security of the payment instrument has been compromised or where we suspect the unauthorised or fraudulent use of the Payment Instrument;
  • we may, in our absolute discretion, refuse or cancel transaction requests or transactions if Slip believes you are using the service to purchase goods or services from third parties you do not know or trust;
  • we may, in our absolute discretion, refuse or cancel transaction requests, payment requests or transactions if:
    • we are unable to verify your identity;
    • we are unable to verify the identity of the recipient;
    • you do not comply with information requests; or
    • we reasonably believe you are using the service, or allowing it to be used, in breach of these Terms and Conditions or any applicable laws, rules or regulations.

Where Slip has refused, or cancelled a transaction request, transaction or payment request, Slip may also, at its discretion, temporarily or permanently suspend your registration.

Where Slip temporarily or permanently suspends your registration, or refuses or cancels a transaction request, payment request or a transaction, Slip shall be entitled to retain any service fees already incurred.

In order to comply with our obligations under relevant laws, we reserve the right to ask for further information or evidence relating to the purpose of a transaction.

To the extent permitted by law, once we have received your instruction, you do not have the automatic right to revoke it.

Slip may, in its absolute discretion, attempt to cancel your transaction if you have informed us that you wish to revoke it. In some cases, Slip may have initiated an irreversible request for funds to be paid out to your payee by a service provider and therefore cannot guarantee cancellation will be successful. For successful revocations Slip will normally refund your money, less any reasonable revocation charges and any service fees already charged, within 10 business days.

If you:

  • have any problems using the service; or
  • are aware of any unauthorised or incorrectly executed transaction.

If this occurs you should contact Slip support without delay or no later than 10 business day after the date the transaction amount was debited, upon becoming aware of the unauthorised or incorrectly executed transaction. A request for a refund must be submitted in writing (including by email) to support@slip.com.ph, giving the sender’s full name, address, and phone number, together with the transaction tracking number, transaction amount, and the reason for your refund request.

If we have executed the transaction in accordance with the instructions you have provided to us, and that information proves to have been incorrect, we are not liable for the incorrect execution of the transaction. We will however make reasonable efforts to recover the funds. We may charge you a reasonable fee, reflective of our efforts, to do so.

Where Slip has executed the transaction otherwise than in accordance with your instruction, Slip will refund the full amount debited. Unless there are exceptional circumstances, no adjustment will be made for any currency fluctuations which may have occurred between the time you pay us the transaction amount and the time of credit.

Any refunds will be credited back to the same payment instrument used to fund the transaction and in the same currency.

Linked sites

Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.

Intellectual property rights

Unless otherwise indicated, we own or license from third parties all rights, title and interest (including copyright, designs, patents, trademarks and other intellectual property rights) in this website and in all of the material (including all text, graphics, logos, audio and software) made available on this website (Content).

Your use of this website, the Slip Application, and use of and access to any Content does not grant or transfer any rights, title or interest to you in relation to this website or the Content. However we do grant you a licence to access the website and view the Content on the terms and conditions set out in this Agreement and, where applicable, as expressly authorised by us and/or our third party licensors.

Any reproduction or redistribution of this website or the Content is prohibited and may result in civil and criminal penalties. In addition, you must not copy the Content to any other server, location or support for publication, reproduction or distribution is expressly prohibited.

All other use, copying or reproduction of this website, the Slip Application, the Content or any part of it is prohibited, except to the extent permitted by law.

Unacceptable activity

You must not do any act that we would deem to be inappropriate, is unlawful or is prohibited by any laws applicable to our website and the Slip mobile application, including but not limited to:

  • any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual’s consent) or any other of the legal rights of individuals;
  • using this website to defame or libel us, our employees or other individuals;
  • uploading files that contain viruses that may cause damage to our property or the property of other individuals;
  • posting or transmitting to this website any non-authorised material including, but not limited to, material that is, in our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic or otherwise or which is detrimental to or in violation of our systems or a third party’s systems or network security.

If we allow you to post any information to our website or the Slip mobile application, we have the right to take down this information at our sole discretion and without notice.

Warranties and disclaimers

To the maximum extent permitted by law, including the Philippine Consumer Law, we make no warranties or representations about this website or the Content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that this website will be secure.

We reserve the right to restrict, suspend or terminate without notice your access to this website, any Content, or any feature of this website at any time without notice and we will not be responsible for any loss, cost, damage or liability that may arise as a result.

Liability

To the maximum extent permitted by law, including the Philippine Consumer Law, in no event shall we be liable for any direct and indirect loss, damage or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our website, the Slip Application, and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete or not up-to-date.

Jurisdiction and governing law

Your use of the website, the Slip Application, and these Terms are governed by the Philippine Law and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in Philippines.