Welcome to Casha website and mobile app. If you continue to browse and use this website and mobile app you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Casha relationship with you in relation to this website and mobile app.

The term “Casha” or “us” or “we” refers to the owner of the website and mobile app its authorized representatives, assigns and agents. The term “you” refers to the user or viewer of our website and mobile app.

License to Use Website and Mobile App

Casha owns the intellectual property rights in the website and mobile app and all the data and contents found herein. The use of this website and mobile app are limited and subject to the terms and conditions set forth.

All the materials in this website and mobile app, including but not limited to the text, data, articles, designs, source code, software, photos, images, videos and other information (collectively denominated hereinafter as “Content”), are registered properties of Casha which are protected under the Philippine laws and international treaties. Any reproduction, republication, reuse, distribution or transmittal of the Contents of this website and mobile app without any prior Consent of Casha shall be dealt with sternly and remedies available under the law shall be enforced by Casha.

Limitations of Use

Access to certain areas of this website and mobile app is restricted. Casha reserves the right to restrict access to other areas of this website and mobile app, or indeed this entire website and mobile app, at Casha discretion. 

If Casha provides you with a user ID and password to enable you to access restricted areas of this website and mobile app or other content or services, you must ensure that the user ID and password are kept confidential. 

Casha may disable your user ID and password in its sole discretion without notice or explanation.

No Warranties

This website and mobile app is provided “as is” without any representations or warranties, express or implied. Casha makes no representations or warranties in relation to this website and mobile app or the information and materials provided on this website and mobile app.

Without prejudice to the generality of the foregoing paragraph, Casha does not warrant that this website and mobile app will be constantly available, or available at all.

Unenforceable Provisions 

If any provision of this website and mobile app disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website and mobile app.

Indemnity

You hereby indemnify Casha and undertake to keep Casha indemnified against any losses, damages, costs, liabilities and expenses incurred or suffered by Casha arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these Terms and Conditions 

Without prejudice to Casha other rights under these terms and conditions, if you breach these terms and conditions in any way, Casha may take such action as Casha deems appropriate to deal with the breach, including suspending your access to the website and mobile app, prohibiting you from accessing the website and mobile app, blocking computers using your IP address from accessing the website and mobile app, contacting your internet service provider to request that they block your access to the website and mobile app and/or bringing court proceedings against you. 

Amendments

Casha may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website and mobile app from the date of the publication of the revised terms and conditions on this website and mobile app. Please check this page regularly to ensure you are familiar with the current version.

Assignment 

Casha may transfer, sub-contract or otherwise deal with Casha rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. 

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions. 

Law and Jurisdiction 

These terms and conditions will be governed by and construed in accordance with PHILIPPINE LAWS, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Makati City.

Electronic Communications Disclosure and Consent Agreement

Casha is a tradename of Hallo Hallo Skylark Lending which is a registered lending company that focuses on salary loan with all transactions conducted through a full online platform. In line with the platform setup of Casha and to have full access to your accounts and the products and services provided by Casha, and to be able to receive electronic communications, YOU must consent to receive disclosures in electronic format in accordance with this terms and conditions. By consenting to the terms and conditions, you agree to receive all such documents pertaining to transactions with Casha in electronic form.

Your consent to receive Communications and do business electronically, and our agreement to do so, applies to all of your interactions and transactions with Casha. By signing up and accessing the Casha website and mobile app, you acknowledge receipt of this Agreement, you signify your consent to be bound by the all terms contained within this Agreement, and agree to the electronic delivery of Electronic Communications. You also certify that you meet the Hardware and Software Requirements listed below and are able to access and retain Electronic Communications from us. Your Consent to receive Electronic Communications applies to all Electronic Communications that we provide to you.

HARDWARE AND SOFTWARE REQUIREMENTS. By signing up and accessing the Casha website and mobile app, you affirm that you are capable of receiving information electronically. To access and retain the Communications electronically, you will need to use a computer with Internet Explorer 7.0 or above, Firefox 3.0 or above, or similar software, Adobe Acrobat and hardware capable of running this software.

WITHDRAWING CONSENT. You may withdraw your consent to receive Communications electronically by contacting us through email at the address listed in this website and mobile app. The legal validity and enforceability of prior electronic transactions and services will not be affected if you withdraw your consent. 

CHANGES TO YOUR CONTACT INFORMATION. Please keep us informed of any changes in your email or mailing address so that you continue to receive all Communications without interruption. 

By signing up and accessing the Casha website and mobile app, you acknowledge that you agree to the Terms and Conditions of Casha website and mobile app and consent to access to the electronic Communications in the designated formats described above, and you consent to having all Communications provided or made available to you in electronic form and to doing business Casha electronically. In addition, you further acknowledge your consent to have all Communications provided or made available to you in electronic forms relative to your transaction with Casha.