These Terms and Conditions (“Terms”) govern your use of the EVO website (https://www.goevo.ph/) and the EVO mobile application (together, the “Platform”). The Platform is owned and operated by TS EVO PH FINANCE INC. operating under the name of EVO Finance doing business under the brand “EVO” (“Company”, “EVO”, “we”, or “us”).

By creating an account, submitting an application, or using the Platform, you confirm that you have read, understood, and agreed to these Terms, our Privacy Policy, and any additional product-specific agreements that may apply. Please read them carefully before using our services.

1. Nature of Services

1.1 EVO is a duly licensed company authorized to extend financing products directly to customers (“EVO Loans”).

1.2 In addition, EVO partners with licensed banks and financial institutions (“Loan Providers”) to make their financial products accessible through the Platform.

1.3 EVO may also, from time to time, introduce its own consumer finance products in addition to loans. Each product be governed by separate product-specific terms and conditions.

2. Eligibility

• You must be at least 18 years old and legally capable of entering into binding contracts.
  
  
• You confirm that the information you provide is truthful, accurate, complete, and current. Misrepresentation may result in rejection of your application or termination of access.
• EVO reserves the right to approve, suspend, or terminate, access to any user in accordance with law and our policies.
  
  

3. How It Works

• You may apply for financial products either from EVO or from partner Loan Providers through the Platform.
  
  
• To process your application, EVO may collect and verify your information through third-party sources such as mobile operators and credit bureaus.
  
  
• If applying through a partner Loan Provider, EVO will forward your information to them for independent assessment.
  
  
• Approval, disbursement, and repayment of any product are governed by the loan or product agreement you enter into with EVO or the partner Loan Provider.
  
  

4. Loan and Product Agreements

• For EVO-issued loans, you will enter into a direct agreement with EVO, which will detail applicable interest rates, charges, repayment terms, and your rights and obligations.
  
  
• For partner products, your agreement is directly with the Loan Provider, and EVO is not responsible for their approval process, terms, or servicing.
  
  

5. Important Disclaimers

• EVO does not guarantee approval of any loan or financial product. All approvals are subject to credit evaluation and applicable regulatory requirements.
  
  
• For partner products, EVO’s role is limited to facilitating applications. EVO does not manage or control partner decisions.
  
  
• The Platform and its content are provided “as is” and “as available”. We do not guarantee uninterrupted access, error-free services, or complete accuracy of information provided.
  
  

6. Fees and Charges

• EVO does not charge a fee for registering or applying through the Platform.
  
  
• All applicable fees, charges, and repayment obligations will be disclosed in your loan or product agreement. 
• You are responsible for any fees charged by your mobile operator, internet service provider, or other third-party service providers when using the Platform.
  
  

7. Privacy

• Your use of the Platform is subject to our [Privacy Policy], which explains how we collect, use, and share your personal data with EVO and partner Loan Providers.
• EVO complies with the Data Privacy Act of 2012 and other applicable privacy regulations.

8. Intellectual Property

• All content on the Platform belongs to EVO (including software, text, designs, and logos), except for partner trademarks or content, which remain the property of their respective owners. You may only use the Platform for lawful and intended purposes.
• You may use the Platform only for personal and lawful purposes. 

9. Limitation of Liability

To the maximum extent permitted by law:

• EVO is not responsible for losses or damages resulting from delays, inaccuracies, or system interruptions.
  
  
• EVO is not liable for disputes arising from products issued by partner Loan Providers.
  
  

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of the Philippines. Disputes shall first be resolved amicably. If unresolved, disputes will be finally settled in the proper courts of Taguig City, Philippines, at the exclusion of all other courts.

11. Modifications

EVO may amend these Terms at any time by posting updated versions on the Platform. Continued use constitutes acceptance of the updated Terms.

12. Contact Us

For questions or complaints, contact us at: support.ph@goevo.ph