1. Acceptance of Terms

By registering or using Finbubu, you agree to comply with these Terms of Service (“Terms”).
If you do not agree, please discontinue using our services.

2. Eligibility

To use Finbubu, you must:

• Be at least 18 years old
• Be a resident of the Philippines or an eligible jurisdiction
• Use our services only for lawful purposes

3. Account Registration

You must provide accurate and up-to-date personal information.
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
If you suspect unauthorized access, you must notify us immediately.

4. Services Offered

Finbubu provides digital financial products, including:

1. Personal Loans – short-term and credit-based loans
2. Business Loans – for small enterprises and freelancers
3. Fixed Deposit Investments – locked-in investment plans with higher returns
4. Flexible Savings Investments – on-demand investment options with liquidity

5. Fixed Deposit Investments

• Minimum investment: as displayed in-app
• Terms available: 30 / 90 / 180 / 360 days
• Interest rate: displayed before confirmation
• Early withdrawal may result in reduced or no interest
• Funds are secured under regulated financial institutions

6. Flexible Savings Investments

• Add or withdraw funds at any time
• Interest calculated daily and paid monthly
• No lock-in period, but rates are subject to change
• Ideal for users seeking liquidity and moderate returns

7. Fees and Charges

All fees (transaction, withdrawal, service) are transparently displayed in the app.
Finbubu reserves the right to adjust fees with prior notice.

8. User Obligations

You agree not to:

• Engage in fraudulent or illegal activities
• Use Finbubu for money laundering or financing terrorism
• Misuse the platform to harm other users
• Circumvent security mechanisms or exploit system vulnerabilities

9. Risk Disclosure

All investments involve risk.
Returns are not guaranteed and may fluctuate due to market conditions.
You should assess your financial capacity and risk tolerance before investing.

10. Suspension or Termination

We may suspend or terminate your access if:

• You violate these Terms or applicable laws
• Your actions pose a risk to others or the platform
• Required by authorities or regulatory bodies

11. Limitation of Liability

Finbubu shall not be held liable for:

• Losses caused by user negligence or account misuse
• System outages or technical failures beyond our control
• Market-related investment losses

12. Governing Law

These Terms are governed by the laws of the Republic of the Philippines.
Disputes shall be resolved amicably or through arbitration under Philippine law.

13. Contact Information

📧 cs@finbubu.com
📞 852 4624 1078
📍 Room A22, 10A/F, Prince Industrial Building, 706 Prince Edward Road East, San Po Kong, Kowloon, Hong Kong