GGIVES TERMS AND CONDITIONS

1. a.) Fuse Group which includes (i) Fuse; (ii) its affiliates and subsidiaries, including Globe Telecom, Inc., Globe Fintech Innovations, Inc., and G-Xchange, Inc.; (iii) Fuse’s business partners, service providers, and other third-party partners contracted by it for the purpose of conducting its business operations such as, but not limited to, credit scoring partners and partner-collection agencies; and (iv) their respective, officers, employees, agents, and representatives; and
2. b.) Authorized Entities which includes (i) Bureau of Internal Revenue; (ii) any credit information bureau, banking, or credit industry association, credit information service provider, and credit/loan provider, including the Credit Information Corporation (CIC), Bankers Association of the Philippines, TransUnion Information Solutions Philippines, and Trusting Social Philippines, Inc.; and (iii) other lenders as authorized by the CIC, and credit reporting agencies duly accredited by the CIC.

1. a.) Personal information of Borrower;
2. b.) Loan duration;
3. c.) Loan;
4. d.) Charges and deductions (e.g. processing fee and applicable taxes);
5. e.) Loan proceeds [(c) less (d) above];
6. f.) Schedule of payment;
7. g.) Interests;
8. h.) Collateral, if any; and
9. i.) Late Payment Fees (as defined in Section 4.9).
10. k.) Name of merchant supplying product or service to Borrower (“Merchant”); and
11. l.) Down payment amount.

1. a.) any amount due and payable as specified in the Disclosure Statement is not paid on the due date;
2. b.) bankruptcy, insolvency, receivership, levy on execution, garnishment or attachment, or in case of any litigation or proceedings similar to the foregoing cases are initiated by or against Borrower affecting Borrower’s repayment capacity or financial stability;
3. c.) any information provided by Borrower to Fuse is found to be spurious, fraudulent, misrepresented, inadequate, incomplete, or incorrect in any material detail;
4. d.) failure on the part of Borrower to comply with any of his/her material obligations under the Agreement; or
5. e.) there occurs an event which, in the opinion of Fuse, affects the ability of Borrower to perform his/her obligation under the Agreement.

Terms and arrangement for refund claims, including those involving warranty claims, shall be agreed in writing by the Merchant and Borrower (“Refund Terms”).

Merchant and Borrower are encouraged to communicate with each other privately to resolve their differences or approach their relevant local authorities to assist them in resolving any dispute or conflict which may arise during the course of a transaction.

Refund Terms shall apply if the product or service:

1. a.) is defective and/or damaged upon receipt of the Borrower;
2. b.) does not match the agreed specification; or
3. c.) is materially different from the description provided by Merchant.

The claim for refund should be for the full transaction amount for the purchase of the product or service.

A refund claim may be raised to Fuse and will only be entertained by Fuse:

If the same is filed within thirty (30) days from the date the Loan is credited to Merchant’s wallet (“Refund Period”);

Subject to the submission by Borrower of documents and information in support of his/her claim for refund, including (i) proof of transaction and (ii) that Merchant has acknowledged and approved the refund of the full transaction amount for purchase of the product or service; and

Merchant has notified Fuse in writing of the claim for refund with the following information/details: (i) the fact that Merchant consents to the claim for refund and (ii) details of the transaction, including Borrower’s complete name, GCash wallet number, date and reference number of the transaction.

Fuse reserves its right to request from Borrower additional information or documents to validate the claim for refund.

Refund Terms shall apply, and Fuse reserves the right to refuse any claim for refund, if the foregoing requirements are not complied with.

If claim for refund has been validated by Fuse, Fuse shall return to Borrower the fees and down payment deducted from the Borrower’s GCash wallet.

1. a.) Personal profile, such as name, age, birthdate, birthplace, nationality, permanent and current address, e-mail address, mobile number, landline number, marital status, and sex;
2. b.) Character reference name and contact information;
3. c.) Credit information;
4. d.) Credit score;
5. e.) Data usage records;
6. f.) Promo subscription and redemption records;
7. g.) Voice calling data records;
8. h.) SMS sending and receiving records;
9. i.) Customer relationship management records (e.g. correspondences and photos);
10. j.) Pre-paid load balance, top-up, and usage records;
11. k.) Value-added service records;
12. l.) Postpaid billing and collection records;
13. m.) GCash balance and transactional records;
14. n.) Borrower status;
15. o.) Monthly purchase data;
16. p.) Payment and collection