Krego Terms of Service

DEFINITIONS AND INTERPRETATIONS

As used in this Agreement, the following words and phrases shall mean and be interpreted as such, unless the context requires otherwise.

1. Account - refers to your Krego Account.

2. App - refers to the Krego mobile application, unless otherwise specified.

3. App Inbox - refers to the Krego inbox, where you receive the status of your loan transactions and other related loan processing. For this Agreement, the App Inbox and the Services will be accessed through the Internet via Wi-Fi or Mobile Data via Mobile Network Operators.

4. Blaggo - refers to the mobile application you can use to reload your tokens to pay your loan (if you don’t pay cash to the Krego Credit Merchant).

5. Blaggo Account - refers to your Blaggo account as the basis of your Krego Account. Any activated Blaggo user can log in to Krego using the same credentials.

6. Blaggo Tokens - refers to the denomination value of the Blaggo App transactions with an equivalent amount in cash.

7. Borrower - refers to the person availing the Krego loan services.

8. Business Day - refers to all days of the week except Saturday, Sunday, or declared public holidays in the Philippines.

9. Credentials - refers to the personal information you use to access the App and operate your account.

10. Credit Merchant (or Merchant) - refers to the person who will approve the loan, disburse the loan proceeds to the Borrower, and receive loan payments from the Borrower.

11. Co-Maker - refers to a person who is legally required to pay for the loan if the Borrower failed to pay however, this responsibility of paying is limited to 50% of the remaining loan balance of the Borrower.

12. Equipment - refers to and includes your mobile phone handset, SIM Card, and/or other mobile-related peripherals. When used together, it enables you to access the Internet.

13. Event of Default - refers to the rules when you cannot pay your loan on time.

14. Fees - refers to Krego and Blaggo transaction charges for the use of their Services. All Fees are subject to change at any time at the sole discretion of the Blaggo and Krego management.

15. Force Majeure - refers to events, circumstances, or causes beyond the reasonable control of the App, which may include but is not limited to Acts of God, war, strikes or labor disputes, embargoes, or government orders.

16. Mobile Network Operator (MNO) - refers to a telecommunications service provider organization in the Philippines registered with the National Telecommunications Commission (NTC) that provides wireless voice and data communication for its subscribed mobile users.

17. Internet - refers to the system of interconnected computer networks used to communicate between networks and devices and operated by an Internet Service Provider or MNO.

18. Loan - refers to the borrowed amount from a Krego Credit Merchant, and to be paid back with interest.

19. Request - refers to the transactions or operation requests received by Krego from you or purportedly from you through the Network and the system which Krego is authorized to act.

20. Services - refers to and includes any form of financial services or products that Krego may offer.

21. System - refers to the mobile applications, web applications, and infrastructures, which the Krego mobile applications interact to complete its operations.




In addition to the above, unless the context requires otherwise, the following interpretations shall be applicable.

• The singular shall include the plural and vice versa.

• A reference to any gender, whether masculine, feminine, or neuter, includes the other two.

• All the headings and subheadings in this Agreement are for convenience only and do not affect the agreements' interpretation.

• The recitals and schedules shall be deemed to form part of this Agreement.

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ACCEPTANCE OF TERMS AND CONDITIONS

By clicking “AGREE” to the Terms and Conditions in the Krego App, you agree to be bound by the following terms and conditions that govern the use and operation of the mobile application and your respective Account.

1. You will be able to access the Services associated with the Krego App.

2. By downloading and using the Krego App, you agree to access the Krego services subject to its applicable terms of use. You affirm that the Terms in this Agreement are without prejudice to any other right that Krego may have concerning the Account in law or otherwise.

3. The Krego mobile App updated version may be deployed when deemed necessary. As a result, there may be updates that require you to download and install the latest App version to continue using the Services of Krego. There are also instances in which you may need to accept new updates on these Terms and Privacy Policy.

4. By using the Krego App and its associated Services, you allow the collection of your personal data and information related to your equipment and related hardware, software, and peripherals to improve the Krego App and the other applications in our system.

5. If you use Krego Services, you consent to give us, our affiliates and licensees' transmission, to perform collection, retention, maintenance, and processing of your data. Moreover, there are instances that we use your data to determine your credit scoring services or to improve our Services and/or your experience in using the App.

6. If you “DECLINE” the Krego Terms and Conditions, you will not be able to access the Services associated with the Krego App.

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TRANSACTION GUIDELINES

Before using the Krego App, understand the agreements on your Requests, Loan Interests and Fees, your Krego Account, Statements, and your responsibilities as a Borrower.

1. Requests Made By The Borrower

   1. You hereby agree and authorize Krego to verify information provided by you to Krego against the information in your Blaggo Account under the agreement between you and Blaggo to use its products and services. Subject to its discretion, Krego reserves the right to reject any loan Request even if you have previously approved a loan by our merchants.

   2. Krego has the absolute discretion to continue incomplete or ambiguous requests if Krego can correct and act on the Request.

   3. You shall be bound by any Requests on which Krego may act if Krego has in good faith acted in the belief that you have sent such instructions. The assumption is that Krego has appropriately acted and entirely performed all the obligations owed to you. The premise holds even if the request may have been initiated, sent, or otherwise communicated in error or fraudulently.

   4. Krego may, in its absolute discretion, decline to act on the whole or any part of your Request pending further inquiry or further confirmation (whether written or otherwise) from you.

   5. You agree to and shall release from and indemnify Krego against all claims, losses, damages, costs, and expenses howsoever arising in consequence of, or in any way related to Krego having acted upon the whole or any part of any of your Requests (or failed to exercise) the discretion conferred upon it.

   6. Krego is not liable for your Account's unauthorized use, whether it's due to your negligence or not. The unauthorized access includes but is not limited to adding tokens, paying bills, updating your profile, or any incident using your Account credentials like the phone number and password.

   7. Krego is authorized to effect such orders regarding your Account as may be required by any court order or competent authority or agency under the applicable laws.

   8. If there is any conflict between the terms and a Request received by Krego from you, this Agreement shall prevail.




2. Interests And Fees

   1. Krego shall be entitled to set and charge Processing Fees in connection with your use of the Services and amend or vary its Processing Fees for the Services from time to time. The Krego App displays the loan interests payable to the Merchant.

   2. Krego will use reasonable endeavors to try to notify you of any changes concerning Processing Fees within a reasonable period before such changes are implemented, including displaying notices of the changes on the App or Krego website.

   3. All your payments under this Agreement shall be made in full, without any set-off or counterclaim, and saved in. Moreover, your payments are free and clear of and without any deduction or withholding whatsoever. However, when necessary to make a deduction or withhold from any payment to Krego or our Merchants, you shall immediately pay Krego or the merchant such additional amounts.

   4. If you fail to make any payments at the due date, Krego or the Merchant are authorized to apply late fees on the amount loaned to you at a rate communicated to you. If you fail to pay on the final due date, delinquent fees also apply.




3. Your Account Statements

   1. The App shows your Account statement and activity report. In addition, other Krego requests and transactions are in the App Inbox. Or, the user can email support@mykrego.com.

   2. Krego reserves the right to rectify discrepancies add, and/or alter your statements' entries without prior notice to you. However, Krego will inform you of any rectification, additions, and/or alterations on your account statements within a reasonable time after the changes take effect.

   3. As a Krego Account holder, you will receive transaction notifications through the App Inbox.

   4. Save for a manifest error, any statement issued to you regarding your Krego Account shall be conclusive evidence of the transactions carried out for the period covered in the statement.




4. The Borrower's Responsibilities

   1. You pledge that you are capable to pay the loan obligations and any related costs thereto.

   2. You hereby acknowledge that you need a Co-Maker to guarantee your performance to comply with your loan obligations and any related costs thereto.

   3. You acknowledge and understand that your Co-Maker shall only be responsible to pay fifty percent (50%) of the remaining loan balance, should you fail or abscond in your loan obligations.

   4. You hereby acknowledge that the Credit Merchant can also be your Co-Maker. As such, Credit Merchant is also subjected to the responsibilities of the Co-Maker.

   5. At your own expense, you shall provide and maintain the equipment used to access the System and the Services in safe and efficient operating order.

   6. You shall be responsible for ensuring the proper performance of your Equipment. Krego shall neither be liable for any errors or failures caused by any malfunction of your Equipment, nor shall Krego be responsible for any computer virus or related problems that may be associated with the use of the System, the Services, and the Equipment. You shall be responsible for the charges due to any service provider providing you with a connection to the Internet. Krego shall not be liable for losses or delays caused by any such service provider.

   7. You shall follow all instructions, procedures, and terms contained in this Agreement and any document provided by Krego in using the System and the Services.

   8. You hereby agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your Equipment and for keeping your Credentials secret and secure. You shall ensure that your Credentials do not become known or come into possession of any unauthorized person. Krego shall not be liable for any disclosure of your Credentials to any third party, and you hereby agree to indemnify and hold Krego harmless from any losses resulting from any disclosure of your Credentials.

   9. You shall take all reasonable precautions to detect any unauthorized use of the System and the Services. In addition, you shall check all Krego communications or have them examined on your behalf. After reasonable time upon receipt, you shall immediately inform Krego if there's a suspicion of unauthorized access, such as:

      1. You have reason to believe that your Credentials may have been compromised or may be known to any unauthorized person; and/or

      2. You have reason to believe that unauthorized use of the Services has or may have occurred or could occur, and a transaction may have been fraudulently input or compromised.

   10. You shall at all times follow the security procedures notified to you by Krego from time to time or such other precautionary measures as may apply to the Services.

   11. You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your Account’s confidentiality. In particular, you shall ensure that only an authorized person uses the Services, Requests, and other relevant Krego features

   12. You shall not at any time operate or use the Services in any manner that may be prejudicial to Krego.

   13. You have fully read and understood the terms and conditions of the loan and his/her corresponding responsibilities and obligations thereto.

   14. You understand and adhere to the stipulations in this Terms as well as to the Privacy Policy.




5. Default On Loan

   1. An event of default (Event of Default) occurs when you fail to pay any sum payable for a Loan granted under these Terms and Conditions for sixty (60) consecutive days unless failure to pay is caused solely by an administrative error or technical problem or a declaration of bankruptcy.

   2. In the "Event of Default," Krego or the Merchant may, without prejudice to any other rights or remedy granted by law:

      1. Terminate this Agreement following the Variation and Termination agreement. See Section 3.6.

      2. Declare that the Loan (and all accrued interest and all other amounts outstanding under this Agreement) is immediately due and payable, whereupon they shall become immediately due and payable; and

      3. Supply information concerning the Event of Default to Credit Information Corporation. A copy of any adverse information concerning you sent to a Credit Information Corporation shall be made available to you upon written request.




6. Co-Maker Responsibilities

   1. Co-Maker must personally know the Borrower.

   2. Co-Maker may be the Credit Merchant of the Borrower.

   3. Agreeing to be a Co-Maker to the Borrower, Co-Maker is in effect guaranteeing that the Borrower is capable and shall pay the loan obligations and any related costs thereto.

   4. As a Co-Maker, you are legally required to pay for the loan obligations and related fees in the event that the Borrower will not pay or shall have remaining balance to the loan. However, that in accordance to the applicable terms and conditions of the loan, the Co-Maker shall only be responsible to pay fifty percent (50%) of the remaining loan balance, should the Borrower fails or absconds in his/her loan obligations.

   5. Co-Maker understands and is made known of the terms and conditions of the loan secured by the Borrower.

   6. Co-Maker understands and adheres to the stipulations in this Terms as well as to the Privacy Policy.




7. Credit Merchant Responsibilities

   1. Credit Merchant must personally know the Borrower and his/her capability to pay the loan obligations and any related costs thereto.

   2. Credit Merchant understands that Krego uses the same credentials as Blaggo.

   3. Credit Merchant understands that while the approval of the loan is initially and generally part of the app service, he/she obligates himself/herself to verify such approval relative to his/her knowledge of the Borrower’s capability to pay the loan obligations and any related costs thereto.

   4. Credit Merchant can also be the Co-Maker of the Borrower. As such, Credit Merchant shall also be legally required to pay for the loan obligations and related fees in the event that the Borrower will not pay or shall have the remaining balance of the loan. However, in accordance with the applicable terms and conditions of the loan, the Credit Merchant (as Co-Maker) shall only be responsible to pay fifty percent (50%) of the remaining loan balance, should the Borrower fails or absconds in his/her loan obligations. Credit Merchant hereby undertakes that he/she understands his/her obligations as Co-Maker. That while generally, the responsibilities of Credit Merchant and Co-Maker are distinct and separate from each other, in this case, it is fused into one.

   5. Credit Merchant knows and understand the terms and conditions of the loan secured by the Borrower.

   6. Credit Merchant understands and adheres to the stipulations in this Terms as well as to the Privacy Policy.




8. Variation and Termination

   1. Krego may, at any time, upon notice to you, terminate or vary its business relationship with you and close your Account. In particular but without prejudice to the generality of the foregoing, Krego and its merchants may cancel credits which it has granted and require the repayment of outstanding debts resulting from such credits within such time as Krego and its merchants may determine.

   2. If your Account has a credit balance due to overpayment of your Loan at any time, you may issue a refund request for the excess payments. Krego will return any such balance to you, less applicable fees, provided that such amount falls above the minimum transfer amounts specified by Blaggo.

   3. Termination shall, however, not affect any accrued rights and liabilities of either party.

   4. If Krego receives notice of your demise, Krego is not obliged to allow any transaction or withdrawal from your Blaggo account. Krego will only allow such upon production of administrative letters from a competent authority or confirmed grant of probate by your legal representative duly appointed by a court of competent jurisdiction. In the case that your legal representative decides to terminate your Krego account and withdraw your remaining Blaggo balance, all your existing loans and corresponding fees will be deducted.

   5. Without prejudice to Krego’s rights to indemnities, Krego may at its sole discretion suspend or close your Account:

      1. if you use the Account for unauthorized purposes or where Krego detects any abuse/misuse, breach of content, fraud, or attempted fraud relating to your use of the Services;

      2. if your Account or agreement with Blaggo is terminated for whatever reason;

      3. if Krego is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator, or other competent authority;

      4. if Krego and its merchants reasonably suspect or believe that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable), which you fail to remedy (if remediable) within 14 days after the service of notice via the App Inbox, SMS or other electronic means requiring you to do so

      5. where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; to facilitate update or upgrade the contents or functionality of the Services from time to time; where your Account becomes inactive or dormant;

      6. if Krego decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as it may determine in its absolute discretion; or

      7. if you breach any of the Restrictions contained in the section.

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RESTRICTIONS AND LIMITATIONS OF LIABILITY

1. Reservations and Authorizations

   Your use of the services shall mean your acceptance of the following:

   1. Krego only offers its services to persons 18 years of age and above and of sufficient discretion.

   2. Krego reserves the right to verify the authenticity and status of your Blaggo Account.

   3. You acknowledge and accept that approval of your Krego account application creates a contractual relationship between you and Blaggo. Since your valid Blaggo credentials are the same credentials you use for Krego, you agree that you are bound to the Terms and Conditions of Blaggo. Thus, you accept the responsibility of understanding the Blaggo Terms and Conditions updates.

   4. You authorize Krego to verify information provided by you to Krego against the information held by our merchants concerning your Blaggo Account under the agreement between you and Blaggo in using its products and services.

   5. Krego reserves the right to decline your application for a loan or to revoke the same at any stage at Krego’s sole and absolute discretion and without assigning any reason or giving any notice thereto.

   6. Krego reserves the right to check a borrower's credit profile at any time. In addition, we have the right (in its sole and absolute discretion) to approve or decline to issue a loan and/or vary the terms of any loan applied through our merchants.




2. Use of Personal Information

   1. The information that Krego may verify against the information held by our merchants includes (without limitation): your phone number, name, date of birth, Identification Number (“ID”) or Passport Number and such other information that will enable Krego to identify you and comply with the regulatory “Know Your Customer” requirements (together with the “Personal Information”).

   2. You authorize Krego to verify information including, but not limited to, data relating to your phone (including, without limitation, your phone’s history) from your Equipment, from any messages sent to you by Blaggo and any financial services providers relating to your use of Blaggo and such other information as Krego shall require for purposes of providing you the Services (the “Relevant Information”).

   3. You hereby give consent to Krego to verify your Personal Information and the Relevant Information from your Blaggo account. And use that Personal Information and the Relevant Information to the extent necessary in the operation of Krego.

   4. You hereby agree and authorize Krego to obtain and procure your Personal Information and Relevant Information from your Blaggo Account. You further agree and consent to the disclosure and provision of such Personal Information by Blaggo.

   5. You also agree to indemnify and not hold Krego and Blaggo liable for any claims, losses, liabilities, and expenses (including legal fees and costs) that may arise due to the disclosure and reliance on such Personal Information and/or Relevant Information.

   6. Krego reserves the right to request further information from you about your Account application at any time.

   7. Krego reserves the right to supply consumer credit information to the Credit Information Corporation.




3. Use Restrictions

   By using Krego Services and agreeing to these terms, you will be able to use the App on your equipment. However, we reserve all other rights, except those expressly set out in this Agreement or as permitted by any local law. Accordingly, you are enjoined to the following:

   1. You must not rent, lease, sub-license, loan, translate, merge, adapt, vary or modify the App.

   2. You must not make alterations to, or modifications of, the whole or any part of the App. Or, permit the App or any part of it to be combined with, or become incorporated in any other programs.

   3. You must not disassemble, decompile, reverse-engineer or create derivative works based on the whole or any part of the App. Or, attempt to do any such thing except to the extent that such actions cannot be prohibited because they are essential for achieving interoperability of the App with another software program, provided that:

      1. the information obtained by you during such activities are not unnecessarily disclosed or communicated without our prior written consent to any third party and is not used to create any software that is substantially similar to the App;

      2. you include our copyright notice on the entire and partial copies you make of the App on any medium;

      3. you will not provide or make copies of the App in whole or in part ( including source codes), in any form to any person without prior written consent from us;

      4. you will comply with all the technology control or export laws and regulations applicable to the technology used or supported by the App or any of its Services.

   4. You must not use the App or any Service in any unlawful manner, for any illegal purpose, or in any manner inconsistent with this Agreement, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the App, any Service or any operating system;

   5. You must not infringe our intellectual property rights or those of any third party with your use of the App or any Service. Such infringement includes submitting any material to the extent that this Agreement does not license such use.

   6. You must not transmit any material that is defamatory, offensive, or otherwise objectionable to your use of the App or any Service.

   7. You must not use the App or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users.

   8. You must not collect or harvest any information or data from any Service or systems or attempt to decipher any transmissions to or from the servers running any Service.




4. Intellectual Property

   All intellectual property rights in the App and the system that operates it belong to Krego. Moreover, you have no right to access the App in source-code form.




5. Personal Loss

   Krego shall not be responsible for any loss suffered by you should the Services be interfered with or be unavailable because of the failure of any of your Equipment or any other circumstances whatsoever not within Krego’s control. The cause includes without limitation, Force Majeure or error, interruption, delay or non-availability of the System, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.




6. Apps’ facilities and functions

   You acknowledge that the App has not been developed to meet your individual requirements and that it is, therefore, your responsibility to ensure that the facilities and functions of the App as described meet your needs.




7. Purpose of Use

   Krego only supplies the App for domestic and private use. You agree not to use the App and Documents for any commercial, business, or resale purposes. And if you do, Krego shall have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity;




8. Losses or Damages

   Krego will not be liable for any losses or damage suffered by you as a result of or in connection with:

   1. any defect or fault in the App or any Service resulting from you having altered or modified the App;

   2. any defect or fault in the App for not using it in accordance with the terms of this Agreement;

   3. the unavailability of sufficient funds in your Blaggo Account;

   4. failure, malfunction, interruption, or unavailability of the System, your Equipment, the Network, or Blaggo;

   5. the money in your account is subject to legal process or other encumbrance restricting payments or transfers thereof;

   6. your failure to give proper or complete instructions for payments or transfers relating to your Account;

   7. any fraudulent or illegal use of the Services, the System and/or your Equipment; or

   8. your failure to comply with these Terms, and any document or information provided by Krego concerning the use of the System and the Services.




9. If for any reason other than those mentioned in preceding paragraphs 4.5 to 4.8, the Services are interfered with or unavailable, Krego’s sole liability under this Agreement in respect thereof shall be to re-establish the Services as soon as reasonably practicable.




10. Save as provided in the preceding paragraph, Krego shall not be liable to you for any interference with or unavailability of the Services, howsoever caused.




11. Loss of Profit or Anticipated Savings

    Under no circumstances shall Krego be liable to you for any loss of profit or anticipated savings, or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with the Services even if Krego was notified of the possibility of such loss or damage.




12. Excluded Warranties and Obligations

    All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.




13. Release of Liability

    You absolve Krego from all liability for loss or damage incurred from acting on your instructions or requests under these Terms.




14. Indemnities

    You agree to indemnify Krego and hold it harmless against any loss, charge, damage, expense, fee, or claim upon acting on Requests from your Krego Account. The indemnity shall also cover the following:

    1. All demands, claims, actions, losses, and damages of whatever nature against Krego arising from its acting or not acting on any Request arising from the malfunction of any hardware, software, or Equipment affecting the Krego Services. Krego is also not liable for claims, damages, and losses due to the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, interruption, or distortion of communication links, or any other event beyond Krego’s control. Moreover, non-liability also includes reliance on any person or any incorrect, illegible, incomplete, or inaccurate information or data contained in any Requests received by Krego.

    2. Any loss or damage that may arise from your use, misuse, abuse, or possession of any third-party software, including, without limitation, any operating system, browser software, or any other software packages or programs.

    3. Any loss or damage arising from unauthorized Account access, security breach, or any destruction from unwarranted data access or theft of or damage to any of your Equipment.

    4. Any loss or damage caused by your failure to adhere to these Terms and Conditions, including providing incorrect information. You also agree that Krego is not liable for the failure of third-party facilities or systems while your transactions requests are ongoing. Moreover, Krego is not responsible for any loss incurred due to any breach of these Terms and Conditions.

    5. Any costs or claims against Krego for any loss or damage where the particular circumstance is within your control.

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MISCELLANEOUS

1. Communications

   For requests, inquiries, questions, suggestions, or clarifications regarding the use of Krego services, you can send to us a message via email at support@mykrego.com. Message confirmation and replies may be sent via e-mail or the App Inbox.




2. Governing Law

   This Agreement shall be governed by and construed under the laws of the Republic of the Philippines.




3. Dispute Resolution

   The Parties shall exert reasonable efforts to resolving any dispute, controversy, or claim that will arise from or concerning this Agreement and Terms. The settlement by arbitration shall be adopted, which shall occur in Mandaue City and under the Rules of Arbitration of the Philippine Dispute Resolution Center Inc. (PDRCI). However, Krego reserves the right to commence legal proceedings of any nature and to seek preliminary injunctive relief, interim or conservatory measures from any court of competent jurisdiction while waiting for the arbitrator's final decision. To the extent permissible by law, the arbitrator's determination shall be final and binding upon the Parties and shall not be subject to any appeal.




4. Venue of Litigation

   In case of court suits, the venue shall be at Mandaue City only and to the exclusion of all other courts outside Mandaue City.




5. Remedies Cumulative

   No failure on the part of any party to exercise, or delay on its part in exercising, any right, power, or remedy provided by this Agreement or by law shall operate as a waiver thereof. Nor shall any single or partial exercise of any such right, power, or remedy preclude any further or other exercises of that, or any other, right, power or remedy.




6. No waiver

   No failure by Krego to exercise and no delay in exercising any right or remedy in respect of any provision of this Agreement shall operate as a waiver of such right or remedy.




7. Effect of Invalidity

   If any provision or part of a provision of this Agreement be found and declared to be invalid, unenforceable, or illegal by a court of competent jurisdiction, all other provisions shall not be affected and shall remain in full force and effect.

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