Terms of Service

By accessing and using this website, you agree to the following Terms of Service. If you do not agree, please do not use our services.

1. Service Description

De Oro Services is a third-party credit card application processing agency. We assist users by collecting and submitting application forms to partner banks.

We do not guarantee approval, credit limits, or issuance of any credit card.

2. No Banking Relationship

We are not a bank, financial institution, or lender. All credit decisions, approvals, rejections, and card issuance are made solely by the partner banks.

3. Eligibility

You must:

• Be at least 18 years old
• Meet the eligibility requirements set by partner banks
• Provide accurate and truthful information

Submitting false or misleading information may result in rejection.

4. User Responsibilities

You agree to:

• Provide complete and accurate information
• Update information when necessary
• Use the website only for lawful purposes

5. Fees

Our service is free of charge. Any fees related to the credit card (annual fees, interest, penalties) are determined by the issuing bank.

6. Limitation of Liability

We are not liable for:

• Credit card application rejections
• Delays caused by banks or third parties
• Decisions made by partner banks
• Any indirect or consequential damages

7. Intellectual Property

All website content, logos, and materials are owned by rightful owners and may not be used without permission.

8. Termination

We reserve the right to refuse or terminate service if:

• Information provided is false or incomplete
• There is misuse of the website
• Required by law or regulation

9. Governing Law

These Terms shall be governed by the laws of the Republic of the Philippines.

10. Contact Information

For questions about these Terms, contact: