By accessing or using pawnshopmanila.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use the Site. We reserve the right to update these Terms at any time; continued use of the Site constitutes acceptance of any revised Terms.

Pawnshop Manila is an independent financial comparison and information platform. We provide: • Comparison tables for pawnshop rates, loan providers, and gold buyers in the Philippines • Financial calculators and tools • Educational articles and guides on personal finance • Directories of financial service providers in Metro Manila and other regions We are not a lender, pawnshop, gold buyer, financial advisor, or broker. We do not process loan applications or financial transactions.

We strive to maintain accurate, current information. However: • Interest rates, prices, and provider details change frequently and may not reflect current offerings. • All data is provided for informational and comparison purposes only. • Users must verify all rates, terms, and conditions directly with the relevant financial institution before making any financial decisions. • Pawnshop Manila makes no representations or warranties, express or implied, regarding the accuracy, completeness, or timeliness of information on this Site.

Nothing on this Site constitutes financial, legal, investment, or tax advice. All content is for general informational purposes only. Users should consult a licensed financial advisor, lawyer, or relevant professional before making any financial decisions. Pawnshop Manila is not responsible for any financial decisions made based on information found on this Site.

Pawnshop Manila may earn a commission or referral fee when users click on certain links or are redirected to third-party services. These commercial relationships do not influence our editorial content or rankings. Affiliate links are included at our editorial discretion and are clearly aligned with user interests. We disclose commercial relationships in accordance with applicable regulations.

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You must not: • Attempt to gain unauthorized access to any portion of the Site or its related systems • Scrape, crawl, or harvest content in bulk without our written permission • Use automated tools that interfere with Site performance • Post or transmit harmful, offensive, or fraudulent content • Impersonate Pawnshop Manila or any other person or entity • Violate any applicable local, national, or international law

All content on this Site — including text, graphics, logos, icons, images, and software — is the property of Pawnshop Manila or its content suppliers and is protected by Philippine and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any Site content without our prior written consent. Limited reproduction for personal, non-commercial use is permitted with proper attribution.

The Site contains links to third-party websites and services. These links are provided for your convenience only. Pawnshop Manila has no control over the content, privacy practices, or availability of third-party sites and assumes no responsibility for them. Inclusion of any link does not imply endorsement by Pawnshop Manila.

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, PAWNSHOP MANILA DISCLAIMS ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN NO EVENT SHALL PAWNSHOP MANILA, ITS DIRECTORS, EMPLOYEES, PARTNERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify, defend, and hold harmless Pawnshop Manila and its officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys' fees) arising out of your use of the Site, violation of these Terms, or infringement of any intellectual property or other right of any person or entity.

These Terms are governed by the laws of the Republic of the Philippines, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Metro Manila, Philippines.

We reserve the right to modify these Terms at any time. Changes become effective when posted. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.

For questions about these Terms of Service: Email: legal@pawnshopmanila.com Website: pawnshopmanila.com/contact Pawnshop Manila — Independent Comparison Platform Metro Manila, Philippines