This promo is available to all clients who deposit into a Micro Savings or Cebuana Savings account at any Cebuana Lhuillier or Cebuana Lhuillier Bank branches nationwide from May 1, 2025, to December 31, 2025.
This promo is open to both new and existing clients who make deposits using either the Cebuana 24K Debit Card or the eCebuana app
Clients will earn one raffle entry for every ₱1,000 deposit made into their MIcro Savings or Cebuana Savings account.
Client
Deposit Transaction Amount
No. of raffle entries
Client 1
₱3,000
3
Client 2
₱2,500
2
Client 3
₱900
None
To qualify for the raffle, clients must deposit at least ₱1,000 and maintain a minimum Average Daily Balance (ADB) of ₱1,000 per month. Depositing ₱1,000 without meeting the required ADB will not make a client eligible for the raffle.
Clients must deposit every month to qualify for each draw; otherwise, the raffle entries earned in the previous month/s will reset.
Every month, twenty-five (25) lucky winners will each receive a cash prize of Php 10,000.
Monthly raffle draws will be conducted on the following dates:
Cut-off Period
Draw Date
Announcement
May 1-31, 2025
June 13, 2025
June 20, 2025
June 1-30, 2025
July 14, 2025
July 21, 2025
July 1-31, 2025
August 14, 2025
August 21, 2025
August 1-31, 2025
September 12, 2025
September 19, 2025
September 1-30, 2025
October 13, 2025
October 20, 2025
October 1-31, 2025
November 14, 2025
November 21, 2025
November 1-30, 2025
December 12, 2025
December 19, 2025
December 1-31, 2025
January 14, 2026
January 21, 2025
Each qualified client can win only once throughout the promo duration.
The raffle draws will take place at the PJLI ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air, Makati City, and will be conducted in the presence of representatives from Cebuana Lhuillier Bank and DTI via Zoom.
All winners will receive an SMS and registered mail detailing the procedure for claiming their prize. The list of winners will also be announced on the official Facebook page of Cebuana Lhuillier Bank.
All clients must update their personal information (e.g., name, address and active mobile/telephone) in the nearest Cebuana Lhuillier or Cebuana Lhuillier Bank branches as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
The cash prize will be credited directly to their Micro Savings or Cebuana Savings account within 30 business days.
Upon crediting of the prize, all winners must visit a Cebuana Lhuillier branch to present and complete the following requirements:
a. One (1) valid government-issued ID
b. Accomplished Winners Information Sheet
c. Signed Testimonial Consent Form
d. Signed Acknowledgment Receipt
P.J. Lhuillier Inc. will cover the20% tax for prizes exceeding Php 10,000.00.
Prizes must be claimed within 60 days from the date of receipt of the registered mail notification. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval of DTI.
Employees of P.J. Lhuillier Group of Companies, including its agencies and services, as well as their relatives up to the second degree of consanguinity or affinity, are not eligible to join the e-raffle.
PER DTI FAIR TRADE PERMIT NO. FTEB-222108, Series of 2025
Effective September 1, 2019, the following changes on Bank Fees & Charges will be implemented as described in this advisory.
DEPOSIT RELATED FEES
DESCRIPTION
FROM
TO
PERSONAL
CORPORATE
PERSONAL
CORPORATE
Below Minimum Average Daily Balance (ADB) Fee
PhP50.00
PhP50.00
PhP200.00
PhP500.00
Early Closure Fee (w/in 30 days)
PhP50.00
PhP50.00
PhP300.00
PhP500.00
Replacement Fee for Lost Passbook
PhP50.00
PhP50.00
PhP150.00
PhP150.00
Bank Certification Fee
PhP50.00
PhP50.00
PhP150.00 PLUS Applicable Courier Fee if request was made via Cash Agent
PhP150.00
History of Printing/ Statement of Account
None
None
PhP100.00 for the First 3 Pages, PhP10.00/Succeeding Page PLUS Applicable Courier Fee if request was made via Cash Agent
None
Application for Stop Payment Order (SPO)
None
None
PhP300.00
PhP500.00
LOANS RELATED FEES
DESCRIPTION
FROM
TO
PERSONAL
CORPORATE
PERSONAL
CORPORATE
Certificate of Full Payment
None
None
PhP300.00
PhP300.00
Certificate of No Obligations
None
None
PhP300.00
PhP300.00
Request for Statement of Account
None
None
PhP100.00
PhP100.00
Request for a Copy of Payment History
None
None
PhP100.00
PhP100.00
For further information, you may reach us at CLRB Retail Banking-Sales & Marketing at Tel. Nos. (02) 542-8272 & (046) 417-3366 or via e-mail at clrbsales&[email protected] Thank you.
DEBIT CARD TERMS AND CONDITIONS
The following terms and conditions (“Terms & Conditions”) shall govern the issuance and use of the Cebuana Lhuillier Bank Debit Card. By applying for and using the Card, the Cardholder hereby agrees as follows:
1. DEFINITION OF TERMS:
1.1 “Account/s” – the savings and/or current accounts maintained by a Cardholder with CLB in which the Debit Card is linked.
1.2 “ATM Network Participants” – banks and other financial institutions which are, or in the future will be, members or affiliates of BancNet, UnionPay affiliated banks or other ATM networks or affiliations that will allow CLB Debit Cards in their ATM systems and facilities.
1.3 “BancNet” – inter-bank network connecting the ATM networks of local and offshore banks.
1.4 “Cardholder/s” – depositor or depositors of the Bank to whom a Debit Card has been issued.
1.5 “Cebuana Lhuillier Rural Bank (CLB/the Bank)” – a rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP) and licensed as an Electronic Banking and Electronic Money Issuer.
1.6 “Debit Card”/”Card” – Cebuana Lhuillier Rural Bank Debit Card with improved security against fraud. The Debit Card allows Cardholders worry-free access to his/her account/s thru any compatible payment terminals, like ATMs and online merchants, here and abroad.
1.7 “Machine” or “POS” (Point of Sale Machine) or “ATM” (Automated Teller Machine) – machine installed by the Bank for use by the Cardholder. It also includes other ATMs or electronic devices in which the Card could be used, as advertised from time to time.
1.8 Merchants – a third party involved in the payment transaction/s.
1.9 “PIN” /“Personal Identification Number” – a personalized digit code used to access the ATM and make ATM/POS transactions.
1.10 “UnionPay” – is an issuer and acquirer of UnionPay Card outside Mainland of China. They process and settle cross border UnionPay Card transactions and provide relevant services therewith to cooperation partners.
2. DEBIT CARD USAGE
The Card shall be used only for lawful banking and other transactions allowed by CLB with respect to the Account. It may be used on CLB’s and/or ATM Network Participants’ ATMs, cash dispensers, POS terminal networks, payment page of Online/Web Merchants and/or other electronic devices.
The Cardholder acknowledges that the Card is for his/her exclusive use and non-transferable.
The Card is the property of CLB and may at anytime, without prior notice and without the need to give any reason therefore, terminate the use of, cancel, repossess or decline to issue, renew or replace the Card.
The Cardholder shall in all circumstances assume full responsibility for all transactions processed by the use of the Debit Card whether these are with the Cardholder’s knowledge or by his/her authority.
3. CARD ACTIVATION AND AUTHENTICATION
The Card will only be released to the depositor. Upon receipt of the Card, the Cardholder must change the default PIN, then the Card will be activated within twenty-four (24) hours.
To authenticate transactions:
ATM – Insert Card and Enter PIN
POS – Swipe/Insert Card and Enter PIN or Sign transaction draft/invoice (depending on amount)
Internet/Online Payment transactions – Enter Card Number and provide required information
The PIN is strictly confidential and should not be given to, disclosed or made available for use of other person or entity under any circumstances, including CLB. Deposit, Withdrawal, Fund Transfers, Payments and any other transaction that requires the use of the Card shall in all circumstances and at all times, whether with or without the Cardholder’s authorization, be conclusively binding upon the Cardholder.
Debit Card that remains unclaimed after Sixty (60) days from notice to the Cardholder shall be automatically destroyed by the branch of account or where the Card was requested. Replacement Card shall be requested by the Cardholder should he/she decide to.
The Debit Card shall be deactivated upon expiry date as set by CLB.
4. CARDHOLDER’S RESPONSIBILITIES
The security of the Card and its confidentiality shall be the sole responsibility of the Cardholder.
The Cardholder agrees to keep the PIN private and strictly confidential and agrees that these shall not be disclosed to anyone under any circumstances. The Cardholder agrees to take all necessary precautions to avoid unauthorized use.
5. TRANSACTION LIMITS AND RESTRICTIONS This agreement shall be governed by the laws of the Republic of the Philippines and all suits arising from this agreement shall solely be cognizable by the proper courts of Makati City.
Upon issuance of Debit Card, it will be set to standard transaction limits in amount, count and amount for purchases and withdrawals as default limits of the Card variant. Limits may be in amount, count or a combination of both for a single transaction or an aggregate per set period.
Purchase and/or withdrawal made using the Debit Card within and/or outside the Philippines shall be subject to the limits that are set to the Card.
6. LOST/STOLEN CARDS
6.1 In the event the Card is lost or stolen, the Cardholder agrees to immediately file a report to any Cebuana Lhuillier Bank Branch or by calling Cebuana CARES hotline provided under paragraph 15 (Cardholder support).
6.2 In case of a compromised Card, where CLB receives information that the Card number, Card name, expiry date have been obtained by an unauthorized source/party, CLB shall block the Card to prevent its unauthorized use, and CLB shall immediately notify Cardholder of the situation and issue a new Card for the Cardholder.
6.3 All Transactions made/generated by the use of the lost/stolen Card prior to the report made by the Cardholder shall be deemed conclusively binding upon the Cardholder and CLB will not be held liable for any loss or damage incurred by the Cardholder.
7. NON LIABILITY
7.1 The Cardholder agrees to compensate and hold free and harmless CLB, its directors, officers, employees and agents and assigns, from and against any claim, cause of action, suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with the use of the Card in any of the following instances:
a. If due to electronic/mechanical disruption, failure or delay but without fault or beyond the control of CLB or due to fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, computer-related errors, typhoons, floods, public disturbances and calamities and other similar or related cases;
b. In case of inaccurate, incomplete or delayed information received by CLB due to disruption or failure of any communication facilities or electronic device used for the Card.
c. In case of fraudulent or unauthorized use of the Card such as but not limited to theft, unauthorized disclosure or breach of security or confidentiality of the Card Number, PIN and Card Security Code, with or without the Cardholder’s participation;
8. DAMAGED/DEFECTIVE CARDS
The Bank shall replace any damaged Debit Card (if previously used) or defective Debit Card (newly issued Card) upon surrender by the Cardholder, provided that the same has not yet expired. Replacement of a damaged Debit Card shall be charged to the Cardholder whereas for defective ones, they shall be replaced free of charge.
9. DEBIT CARD FEATURES
CLB reserves the right to add or discontinue features or functions for all or specific Card variants at its discretion upon sixty (60) calendar days prior written notice through any of the means of communication or channel.
10. PROMOS
The Cardholder hereby authorizes CLB and its affiliates to be notified of its promotional offers, advertisements, surveys or other similar programs by communicating in any means of communication.
11. ACCREDITED ESTABLISHMENTS
CLB has an agreement with UnionPay and BancNet whereby the Card bearing the UnionPay and BancNet label shall be honored at all UnionPay and BancNet accredited establishments worldwide at all times. The Cardholder agrees to hold CLB free and harmless from any and all claims or liabilities as a result of the refusal of any UnionPay and BancNet accredited establishment to honor the Card.
12. FEES AND CHARGES
12.1 CLB may, from time to time, impose fees and charges for the use of the Debit Card. The Cardholder hereby authorizes CLB to debit such fees and charges from his/her Account or any other Account which the Cardholder maintains with CLB.
12.2 The said fees and/or charges shall be inclusive of Philippine taxes and shall be debited from the Depositor’s account or paid upfront without need of prior or further notice.
13.1 The Cardholder may request CLB to terminate or suspend the use of his/her Card by submitting a written request to the Cebuana CARES or any CLB branches.
13.2 The Cardholder shall remain responsible for any transactions made on the account until the time of termination or suspension of the use of the Card. CLB also reserves the right to terminate or suspend the Cardholder’s use of the Card or close the account at any time with or without prior notice, and in any of the following instances:
a. Discovery of any form of fraud;
b. Violation of any of the provisions of the terms and conditions and rules and regulations of CLB supplementary thereto; and
c. Other grounds warranted by law.
13.3 The Bank is authorized to report such termination, suspension or closure to the BSP or to its monitoring body. The Cardholder shall hold the Bank free and harmless from all liabilities, claims and demands arising from the above actions of the Bank.
13.4 Any and all accrued unpaid obligations of the Cardholder to CLB prior to termination, and terms and conditions hereof which by express terms, shall survive the termination of the Cardholder’s right to use the Card.
14. UNDERTAKING
In case of erroneous crediting, inaccurate or non-debiting, misposting, or any error in a transaction involving any amount (referred to as “Amount/s Due to CLB”) to Cardholder’s Debit Card and/or all his/her other account/s with CLB due to whatever cause such as but not limited to systems error, error in communications facilities, Cardholder hereby agrees and undertakes to immediately report and return to CLB the Amount/s Due to CLB without need of prior notice or demand.
For this purpose, Cardholder irrevocably authorizes CLB and its representatives to effect the debiting of the Amount/s Due to CLB from his/her account/s, without need of performing any other act and incurring of any liability on the part of CLB and its representatives as a consequence thereof.
Failure or refusal of Cardholder to account for and return the amount/s Due to CLB shall give rise to a cause of action against the Cardholder for misappropriation or conversion with intent to defraud.
15. CARDHOLDER SUPPORT
The Bank is regulated by the Bangko Sentral ng Pilipinas (BSP). For any issues, concerns, clarifications, complaints or inquiries, the Cardholder may contact the Bank through Cebuana CARES Hotlines via the following:
Address : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner Candelaria Sts., Brgy. Valenzuela, Makati City 1208
Or also refer it to the Financial Consumer Protection Department of the Bangko Sentral ng Pilipinas at (02) 708-7087 or [email protected].
16. AMENDMENTS
The Bank, may at any time and for reasons it may deem proper, amend, revise or modify these Terms and Conditions. Any such amendment, revision or modification shall bind the Cardholder upon notice (personal or by publication, through posting in the Bank’s website or the Bank’s or Cash Agent’s premises). If the Cardholder does not agree with the new/revised terms and conditions, he/she shall notify the Bank of his/her intention to terminate the agreement within thirty (30) days from receipt of the individual notice or thirty (30) days from issuance of public notice, whichever is later. Failure to notify the Bank within the prescribed period shall be construed as acceptance by the Cardholder of any such amendments, revisions or modifications.
17. NON WAIVER
No failure on the part of CLB to exercise, and no delay in exercising, any right or remedy under or in connection with this terms and conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy under or in connection hereof preclude any other or a future exercise thereof or the exercise of any other right or remedy, whether of a similar or dissimilar nature, CLB may have by virtue herein.
18. SEPARABILITY
Should any part of this Terms and Conditions be declared unconstitutional, illegal, void or unenforceable, the parts not affected shall remain valid and binding.
19. CONFORMITY
The Cardholder acknowledges that prior to his/her use of the Card, he/she has carefully read the provisions of this Terms and Conditions and has understood them, and has not relied upon any statement, representation, or warranty not found herein.
20. GOVERNING LAW
This Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction of the proper courts of Bacoor, Cavite only.
Cebuana Lhuillier Rural Bank (“CLRB” or the “Bank”) – A rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP) and licensed as an Electronic Banking and Electronic Money Issuer.
Cebuana Lhuillier Pawnshop (or “Cash Agent”) – is the accredited 3rd party service provider of the CLRB.
Deposit Account – This refers to interest- or non-interest-bearing deposits which are withdrawable upon demand thru available bank channels.
Micro Savings Account – refers to an interest bearing deposit which is linked to the 24k Cebuana Card or other proprietary card that may be issued by CLRB which may be accessed thru its channels such as but not limited to Cash Agents. Should the Client exceed the maximum balance of PHP50,000.00, the Bank shall convert the basic deposit account to a regular deposit account thus the terms and conditions for regular deposit accounts shall apply.
e-Money Account – An account that stores Philippine Peso (Php) value which resides in the e-Money system. It may be linked to the Account Holder’s electronic device such as mobile phone and which may be evidenced by a physical 24k Cebuana Card or other proprietary card that may be issued by CLRB
Know Your Customer (KYC) – is a process to establish the full identity of individuals looking to transact with a financial firm, which is usually done by requiring identification cards from a client as required by the Bangko Sentral ng Pilipinas (BSP).
Personal Identification Number (PIN) – a personalized digit code used to access the account and make transactions.
Cebuana Lhuillier 24K Card (or “24k Card”) – a valid and unexpired rewards card issued by a Cebuana Lhuillier Pawnshop or Cebuana Lhuillier PeraPadala outlet to qualified clients who become entitled to exclusive privileges, discounts, freebies, and special service offerings. It is non-transferable and must be presented only by bonafidecardholders
1.2 THE AGREEMENT – This Agreement governs the relationship between the Client and the Bank.. The Bank may enact, modify or amend these terms and conditions, from time to time, as are customary in the conduct of the banking business or are in its judgment necessary for the protection of the Client and the Bank.
1.3 CLIENT INFORMATION –The Client hereby warrants that all information pertaining to his/her identity and personal circumstances are true and correct. The Client hereby allows the Bank to verify said information. Further, the Client confirms, declares and acknowledges that the mobile phone number and e-mail address provided to CLRB are owned/under the control of the Client and that, any communication made from and to the said mobile number and/or e-mail address shall be automatically treated by CLRB to be directly coming from the Client, unless otherwise advised in writing. The Client shall update, whenever required by the Bank, information provided during account opening, such as address, mobile phone number and email address and shall notify the Bank immediately, in writing, of any change in his/her contact details and information. The Bank shall hold these details as true and complete in the event that no update is given unless otherwise advised in writing.
1.4 RECORD OF TRANSACTIONS – The Client is responsible for verifying the e-Money and/or Deposit transaction history details and records to make sure that there are no unauthorized transactions. The Client should likewise review and reconcile transaction records/details for any errors or unauthorized transactions promptly and thoroughly.
1.5 ACCOUNT AND CARD SECURITY – The Client shall be responsible for the security of his/her 24K Card or other proprietary card that may be issued by CLRB and for the maintenance of his/her PIN and/or online password. The Client acknowledges that his/her PIN and/or password are known only by him/her, and not by anyone else, nor by the Bank or the Cash Agent. The Client shall be responsible for all transactions processed through the use of the 24K Card (or other proprietary card issued by the Bank) and the PIN and/or password whether or not the transactions were made with the Client’s knowledge or authority. The Client shall hold the Bank, the Cash Agent, its officers and employees free and harmless from any and all losses, damages, or liabilities incurred or suffered in connection with the Client’s disclosure of his/her PIN and/or password. In case the 24K Card or other proprietary card is lost, stolen or destroyed, the Client agrees to immediately notify the Bank by calling Cebuana CARES Hotlines of such loss within twenty-four (24) hours, via telephone from 9am-6pm, Monday to Sunday or submit a written report to any Cebuana Lhuillier branch. All activities and transactions made thru the use of the 24K Card or other proprietary card prior to the report of the loss shall continue to be the liability of the Client.
1.6 REFERENCE NUMBER – Each successful transaction shall be evidenced by a system-generated Reference Number, which shall be transmitted to the Client’s enrolled mobile number, e-mail address or validation form, whichever is applicable, for records purposes.
1.7 TRANSACTION DATE – The Bank will effect the Client’s transactions provided there are sufficient cash value available in the Client’s deposit or e-money account. It is the responsibility of the Client to ensure that sufficient cash or cash value are available in the Client’s deposit or e-money account at all times to cover any of the transactions, immediate or scheduled, and that the 24k Card or other proprietary card is active. Any charges or penalties as a result of an unsuccessful transaction due to insufficiency of cash or cash value or cancelled card will be the sole responsibility of the Client and shall be for the account of the Client.
1.8 ACTIVATION AND DE-ACTIVATION OF DEPOSIT / E-MONEY ACCOUNT FEATURES – CLRB reserves the right to add, discontinue or deactivate features or functions upon sixty (60) calendar daysnotice to the Client through SMS and/or email.
1.9 TERMINATION/SUSPENSION OF ACCOUNT – The Client may request CLRB to terminate or suspend the Deposit/e-Money account by submitting a written request to the Cebuana CARES or any Cebuana Lhuillier Pawnshop branches. The Client shall remain responsible for any transactions made on the account until the time of termination or suspension of the use of the card. The Bank also reserves the right to terminate or suspend the Client’s use of the card or close the account at any time with or without prior notice, and in any of the following instances: a) discovery of any form of fraud; b) violation of any of the provisions of the terms and conditions and rules and regulations of CLRB supplementary thereto; and c) other grounds warranted by law. The Bank is authorized to report such termination, suspension or closure to the BSP or to any monitoring body of the BSP. The Client shall hold the Bank free and harmless from all liabilities, claims and demands arising from the above actions of the Bank.
1.10 DISPUTES ON TRANSACTIONS – The details in the Deposit/e-Money Account’s transaction records are presumed true and correct unless the Client notifies the Bank thru Cebuana CARES in writing of any disputes thereon within fifteen (15) calendar days from the date of transaction. If no dispute is reported within said period, all transaction details and records are deemed true and correct. Disputed transactions shall only be adjusted once the claim/dispute has been properly processed, investigated, and proven to be in favor of the Client.
1.11 EXCLUSION FROM LIABILITY – CLRB makes no warranty, express or implied, regarding the performance of this Agreement or the electronic banking functionalities or other services offered hereunder. CLRB electronic banking service is offered on an “as is” or “asavailable” basis without warranties of any kind, except those required by law and other rules and regulation issued by pertinent government agencies. CLRB further makes no warranty (1) as to the content, quality or accuracy of data or information provided by CLRB hereunder or received or transmitted using the electronic banking channels; (2) as to any service or product obtained using the electronic banking service; (3) that the electronic banking service will be uninterrupted or error-free; or (4) that any particular result or information will be obtained. CLRB shall not be liable for any loss, added cost, compensation, damage or liability that the Client may incur as a result of any delay, interruption or termination of the electronic banking transaction whether caused by administrative error, technical, mechanical, electrical or electronic malfunction or any cause beyond CLRB’s control (including but not limited to acts of God, labor disputes, failure of communication lines, interconnection problems, mobile phone signal/reception problems, interference or damage by third parties).
1.12 LIMITATION OF LIABILITY – Subject to the provisions herein, if CLRB is found liable for any act or omission for any reason whatsoever, the liability of CLRB shall be limited to the amount of the relevant transaction or actual damages to the Client, whichever is lesser. CLRB shall not be liable to the Client for any indirect, special, exemplary, punitive or consequential loss or damages arising from the use of 24k Card or other proprietary card, including but not limited to lost opportunities or profit.
1.13 ANTI-MONEY LAUNDERING – The Client warrants that he/she is aware of the provision of R.A. No. 9160 (Anti-Money Laundering Act of 2001) and acknowledges that his/her account is subject to the provisions of R.A. No. 9160, including any and all amendments, rules or regulations pertaining thereto. The Client hereby agrees to keep the Bank, its directors, officersand employees free and harmless from any and allliabilities for any action taken in compliance therewith.
1.14 DATA PRIVACY – The Bank is committed to respecting and protecting data privacy rights of the Client as a data subject in accordance with R.A. 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations and other applicable laws of the Republic of the Philippines. In the course of providing services to the Client, CLRB and the Cash Agent may collect information (including personal information) relating to the Client, including the transactions, accounts, account information or records. For this purpose:
The Client agrees that he/she will receive transaction notifications, and be regularly updated by the Bank and its subsidiaries and affiliates (hereinafter, “Cebuana Lhuillier Group”)of their products and services, and thus understand fully that his/her foregoing information will accordingly be shared.
The Client understands that the information collected, to be processed and retained shall be for the following purposes: client identification; profiling; direct marketing and cross-selling of products; and compliance to BSP rules, AMLA and such other purposes that may be required or allowed by law. The Client has been informed that he/she have the option not to give the foregoing information, in which case he/she understands that his/her transaction will not be processed. The client has also been informed that he/she can make corrections to any inaccurate or deficient information and have the option to withdraw his/her consent prior to the processing of his/her transaction by emailing Cebuana Lhuillier at [email protected] or calling Telephone Numbers: (02) 7759-9800/(02) 8779-9800
Any Concerns about Data Privacy can be reported by the Client to [email protected]. Client is encouraged to visit https://privacy.gov.ph to know more about R.A. 10173.
The Client hereby certifies that the information provided to the Bank are freely and voluntarily given and are true and correct to the best of his/her knowledge. Further, the Client hereby authorizes the Bank and the Cebuana Lhuillier Group to disclose to its partners, agents or other clients his/her above information to aid in any and all investigations that may be initiated on account of, or in relation to any concerns that may arise out of this transaction.
1.15 DISCLOSURE OF INFORMATION – The Client acknowledges that the Philippine government, United States government and governments of other foreign jurisdictions where transactions pertaining to his/her account may transpire, may require the Bank, its branches and agencies, and the Cebuana Lhuillier Group to disclose or produce information concerning his/her account. For this purpose, the Client hereby waives his/her rights under R.A. 1405 (Law on Secrecy of Bank Deposits), R.A. 6426 (Foreign Currency Deposit Act of the Philippines), R.A. 8791 (General Banking Law of 2000), or any other pertinent law or regulation, as the same may be amended from time to time, and hereby authorizes the Bank, its branches and agencies, and all of the Bank’s subsidiaries or affiliates, without prior notice to the Client, to make any and all disclosure of information regarding the account as may be required. The Client hereby holds the Bank, its directors, officers, employees and other duly authorized representatives free and harmless against any and all liability arising from any loss or damage which the Client may incur or suffer as a result of such disclosure.
1.16 CONSENT TO SHARE INFORMATION – For the purposes of (a) sales and marketing activities, cross-referencing, status inquiry, cross-selling or the offering of the various products and services of the Bank and the Cebuana Lhuillier Group, including but not limited to, credit opinion and evaluation by and for an entity belonging to the Cebuana Lhuillier Group, or application for insurance products with an insurance company within Cebuana Lhuillier Group; (b) compliance with legal, regulatory or other contractual obligations of the Bank; and (c) providing efficient services, the Client hereby gives its consent to, and authorizes the Bank to process, obtain, collect, record, organize, store, update, modify, use, access and/or share/disclose within the Cebuana Lhuillier Group and third party service providers, with corresponding duty to keep such information confidential, without prior notice to the Client, relevant account information/data/opinion pertaining to the Client, including but not limited to personal circumstances, privileged information, sensitive personal information, account opening, account balances, transaction history, promo subscription, redemption records and any and all other information pertaining to all account/s now existing or which may hereafter to be opened, which authorization shall constitute a consent and shall exempt the Bank and/or the Cebuana Lhuillier Group from liability under any and all bank deposit secrecy laws, including but not limited to, R.A. 1405 or The Law on Secrecy of Bank Deposits, R.A. 6426 or The Foreign Currency Deposit Act and R.A. 8791 or The General Banking Law, as well as R.A. 10173 or the Data Privacy Act of 2012 and other confidentiality laws enforced or which may hereinafter enforced. The absence of any written notice to the contrary shall be deemed by the Bank as the Client’s continuing consent under the bank secrecy, privacy and confidentiality laws, as abovementioned. The Client shall notify the branch in writing if he /she wishes to withdraw the consent to the sharing of information provided herein.
2. FOR E-MONEY ACCOUNT:
2.1 PRODUCT FEATURES/ TRANSACTIONS – The 24K Card, as an e-Money instrument, is re-loadable. The e-Money may only be redeemed at face value. It shall not earn interest or rewards and other similar incentives convertible to cash, nor be purchased at a discount. Further, e-Money is not considered a deposit account hence, it is not insured with the Philippine Deposit Insurance Corporation (PDIC). The e-Money is subject to aggregate monthly load limit of One Hundred Thousand Pesos (Php100,000.00) unless a higher amount has been approved by the Bangko Sentral ng Pilipinas (BSP).
2.2 FEES, RATES AND OTHER CHARGES –The Client agrees to pay applicable fees and charges related to the e-Money Account linked to a24K Card or proprietary card that may be issued by the Bank and its use, such as but not limited to, remittance, processing, load and encashment fees. Such fees and or charges shall be inclusive of Philippine taxes and shall be debited from the e-Money cash value or paid upfront without further notice. Applicable fees may be found at the Bank’s website www.cebuanalhuillierbank.com
3. FOR DEPOSIT ACCOUNT:
3.1 PRODUCT FEATURES/ TRANSACTIONS – Deposits and withdrawals shall be made by the depositor and must be secured by the 24K Card or other proprietary card issued by CLRB. The Client agrees that no deposit and/or withdrawal shall be made in the absence of the 24K Card or proprietary card issued by CLRB. The Bank may impose or change transaction and card balance limits at its option pursuant to applicable to laws, subject to thirty (30) days prior notice to Depositor.Deposits are insured with Philippine Deposit Insurance Company (PDIC) for up to the maximum amount of Five Hundred Thousand Pesos (Php500,000.00).
3.2 FEES, RATES AND OTHER CHARGES – The Client agrees to pay applicable fees and charges related to Micro Savings and other deposit accounts which may or may not be linked to 24K Card or other proprietary card issued by CLRB and its use, such as but not limited to withdrawal. Such fees and or charges shall be inclusive of Philippine taxes and shall be debited from the Depositor’s account or paid upfront without further notice. Applicable fees may be found at the Bank’s website www.cebuanalhuillierbank.com
3.3 INTEREST – The interest rate on Savings Deposit shall be computed on the basis of average daily balance provided the required minimum balance for the day, if there is any interest earned shall be credited on a monthly basis.A 20% withholding tax shall be withheld and deducted by the Bank from the interest income on savings deposit (P.D. 1994).
3.4 TRANSACTION HISTORY STATEMENT – A Statement of Account bearing all of the transactions for this account shall be made available by the Bank. The Client agrees to receive it through his/her nominated email address and/or may be requested thru SMS.
4. MISCELLANOUS PROVISIONS –
4.1 CLIENT SUPPORT – The Bank is regulated by the BangkoSentralngPilipinas (BSP). For any issues, concerns, clarifications, complaints or inquiries, the Client may contact the Bank through Cebuana CARES Hotlines via the following:
SMARTEmail : [email protected]Address : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner CandelariaSts., Brgy. Valenzuela, Makati City 1208
4.2 AMENDMENTS – The Bank, may at any time and for reasons it may deem proper, amend, revise or modify these Terms and Conditions. Any such amendment, revision or modification shall bind the Client upon notice (personal or by publication, through posting in the Bank’s website or the Bank’s or Cash Agent’s premises). If the Client does not agree with the new/revised terms and conditions, he/she shall notify the Bank to terminate the agreementwithin thirty (30) days from receipt of the individual notice or thirty (30) days from issuance of public notice. Failure to notify the Bank within the prescribed period shall be construed as acceptance by the Client of any such amendments, revisions or modifications.
4.3 NOTICE – All communications and notices required to be given to the Client shall be transmitted by SMS and/or electronic mail to his mobile cellphone number and/or email addressappearing in the Account Opening documents or at such other mobile phone number and/or email address that may hereafter be given in writing by the Client to the Bank.
4.4 BINDING EFFECT – These Terms and Conditions are binding on the Client and his/her heirs, executors, administrators and assigns.
4.5 GOVERNING LAW – These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction of the proper courts of Bacoor, Cavite.
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If your car is five years or below, you can loan for as much as 40 percent of its value. For example, for a P400,000 vehicle value, you can loan up to P160,000 where you can pay P14,822 per month in 12 installments.
To provide maximum financial benefits for employees in need, this hassle-free loan application and loan payment type that is exclusively offered to all regular employees of the PJ Lhuillier Group of Companies nationwide.
Specially designed for small-scale agricultural businesses, this loan offers financial support for farmers to increase their resources and expertise. It includes special terms and conditions suitable for small farmers.
Earn premium rates at your preferred maturity period
Requirements: 1. Customer Information Sheet (CIS) 2. Two (2) Valid Government IDs 3. Proof of Billing 4. Placement should be 5 years + 1 day 5. Net of interest
This is a term deposit savings account that offers premium rates with flexible maturity period. This kind of deposit comes with a passbook for ease of recordkeeping and monitoring of account transactions.
1. THE AGREEMENT. This Agreement governs the relationship between the e-Service Client (the “Client”) and Cebuana Lhuillier Pawnshop (the “CLP”). CLP reserves the right to adjust, modify, amend or supplement these terms and conditions as the service may require without the need of prior notice. The Agreement or any changes thereto shall take effect immediately upon the processing of the e-Service enrollment transaction.
2. THE e-SERVICE. 24k Cebuana Card’s e-Services (Electronic Services) include access to the Client’s 24k Cebuana Card account so that the Client can do inquiries and transactions through the Internet and/or the Mobile Phone, and the use of the 24k Cebuana Card for e-Money transactions.
3. ACCESS TO e-SERVICE. To access the Client’s 24k Cebuana Card account through CLP’s e-Services, the client must have a valid Mobile Phone Personal Identification Number (MPIN) for Mobile Phone, email address and an online password for 24k Online Internet Portal, and biometrics record and a 24k Cebuana Card for e-Money transactions.
4. ACCURACY OF INFORMATION. The Client hereby warrants that all information pertaining to his/her identity and personal circumstances are true and correct. Further, the Client confirms, declares and acknowledges that the mobile phone number and email address provided to CLP is/are owned/in the control of the Client and that, any communication from and to the said mobile phone number and/or email address is and shall be with the knowledge of and within the control of the Client. The Client confirms and undertakes to inform CLP forthwith upon any change in the mobile phone number, email address and/or any other change that may affect the provision of e-Service to the Client.
The Client is responsible for verifying the e-Service transaction history details and records to make sure that there are no unauthorized transactions. The Client should likewise review and reconcile transaction records/details for any errors or unauthorized transactions promptly and thoroughly.
5. ACCOUNT AND CARD SECURITY. The Client shall be responsible for the security of his/her 24K Cebuana Card and for the maintenance of the confidentiality of his/her MPIN and/or online password. Therefore, all e-Service transactions and activities made on the 24K Cebuana Card are conclusively presumed to be done by the Client and the Client shall be liable therefor. The Client has the option to change his/her MPIN and online password from time to time as he/she deems necessary.
In case of loss of the 24k Cebuana Card, the Client shall immediately inform CLP through the Cebuana CARES Hotlines of such loss within twenty-four (24) hours, via telephone from 9:00 AM to 6:00 PM, Monday to Sunday or thru a written report. Cancellation of the 24k Cebuana Card shall be processed only upon proper authentication of the phone call or the signature in the written report, as the case may be. All activities and transactions made thru the use of the 24k Cebuana Card prior to the report of the loss shall continue to be the liability of the Client.
The remaining Reward Points and/or Cash Value in the cancelled 24k Cebuana Card shall be transferred to the replacement 24k Cebuana Card.
6. REFERENCE NUMBER. Each successful e-Service transaction via mobile phone, internet or e-Money shall be evidenced by a system-generated Reference Number, which shall be transmitted to the Client’s enrolled mobile phone number, e-mail address or validation form, whichever is applicable, for records purposes. The Reference Number shall be the basis of the CLP in investigating any complaints lodged by the Client.
7. TRANSACTION DATE. CLP will effect the Client’s transactions, provided there are sufficient reward points and/or cash value available in the Client’s 24k Cebuana Card account. It is the responsibility of the Client to ensure that sufficient reward points/cash value are available in the Client’s 24k Cebuana Card at all times to cover any of the transactions, immediate or scheduled, and that the 24k Cebuana Card is active. Any charges or penalties as a result of an unsuccessful transaction due to insufficiency of reward points/cash value or cancelled card will be the sole responsibility of the Client and shall be for the account of the Client.
8. e-MONEY TRANSACTIONS. The 24k Cebuana Card, as an e-Money instrument, is re-loadable. The e-Money may only be redeemed at face value. It shall not earn interest or rewards and other similar incentives convertible to cash, nor be purchased at a discount. Further, e-Money is not considered a deposit account hence, it is not insured with the Philippine Deposit Insurance Corporation (PDIC).
The e-Money is subject to aggregate monthly load limit of One Hundred Thousand Pesos (Php100,000.00) unless a higher amount has been approved by the Bangko Sentral ng Pilipinas (BSP).
All e-Money transactions are subject to the rules and regulations of the Bangko Sentral ng Pilipinas (BSP) and the Anti-Money Laundering Council (AMLC) and all parties hereto are mandated to comply with said rules and regulations.
9. FEES, RATES AND OTHER CHARGES. The use of e-Service via mobile phone and 24k Online facility is free of charge. Only fees for the use of text messages and internet connection shall apply and are payable as agreed upon between the Client and the Mobile Phone/Internet Service Provider. However, CLP reserves the right to impose reasonable charges and the Client hereby authorizes CLP to impose said charges accordingly in the future or in such cases as CLP may deem necessary.
For e-Money transactions, the Client agrees to pay other fees and charges and applicable taxes related to the 24k Cebuana Card and its use, as maybe imposed by CLP and/or its partner merchants, such as, but not limited to, remittance, processing, load and encashment fees. Fees and other charges, as may be applicable, shall be inclusive of all applicable Philippine taxes and shall be debited from the e-Money cash value or paid upfront. Should these fees and other charges result in a debit balance in the e-Money cash value, the amount shall be immediately due and demandable from the Client. The amount of fees and charges may be revised from time to time as CLP may deem necessary without the need of prior notice.
10. TERMINATION/SUSPENSION OF e-SERVICES. CLP reserves the right to terminate or suspend, either in partiality or totality, the e-Service for any client, without prior notice, and in any of the following instances: a) discovery of any form of fraud; b) violation of any of the provisions of the e-Service terms and conditions and rules and regulations of CLP supplementary thereto; and c) other grounds warranted by law. All reasonable effort will be made CLP to advise the Client of the circumstances of termination or suspension. Restoration of suspended service shall be the sole prerogative of CLP.
The Client may request that CLP terminate the access to e-Services permanently by submitting a written request to the Cebuana CARES or any of the Cebuana Lhuillier Pawnshop branches. The Client will remain responsible for any transactions/activities made on his/her 24k Cebuana Card until the time of cancellation. CLP shall not be liable for any and all remaining scheduled transactions that the Client previously set up.
11. DISPUTES ON TRANSACTIONS. The details in the e-Service transaction records are presumed true and correct unless the Client notifies CLP thru Cebuana CARES in writing of any disputes thereon within fifteen (15) days from the date of transaction. If no dispute is reported within the said period, all transactions details and records are deemed true and correct. Disputed transactions shall only be adjusted once the claim/dispute has been properly processed, investigated, and proven to be in favor of the Client.
12. COMPLAINTS AND INQUIRIES. The Client should direct e-Service complaints and inquiries to Cebuana CARES Hotlines via the following:
Address: 5/F PJL Corporate Centre – Annex II 1782 Nicanor Garcia corner Candelaria Sts. Brgy. Valenzuela, Makati City 1208
13. DISCLOSURE. CLP shall keep all 24k Cebuana Card e-Service enrollment files in strictest confidence. CLP may, however, obtain, exchange or release information to its associates, affiliates, subsidiaries, officers, employees, agents, lawyers and other consultants, pre-paid/debit/credit bureaus or any such persons as CLP deems necessary, or as required by law, rule or regulation.
14. EXCLUSION FROM LIABILITY. CLP makes no warranty, express or implied, regarding the performance of this Agreement or the e-Service functionalities or other services offered hereunder.
The 24K Cebuana Card e-Service is offered on an “AS IS” or “AS AVAILABLE” basis without warranties of any kind, except those required by law and other rules and regulation issued by pertinent government agencies. CLP further makes no warranty (1) as to the content, quality or accuracy of data or information provided by CLP hereunder or received or transmitted using the e-Service Channels; (2) as to any service or product obtained using the e-Service; (3) that the e-Services will be uninterrupted or error-free; or (4) that any particular result or information will be obtained.
CLP shall not be liable for any loss, added cost, compensation, damage or liability that the Client may incur as a result of any delay, interruption or termination of the e-Service transaction whether caused by administrative error, technical, mechanical, electrical or electronic malfunction or any cause beyond CLP’s control (including but not limited to acts of God, labor disputes, failure of communication lines, interconnection problems, mobile phone signal/reception problems, interference or damage by third parties).
15. LIMITATION OF LIABILITY. Subject to the provisions herein, if CLP is found liable for any act or omission for any reason whatsoever, the liability of CLP shall be limited to the amount of the relevant transaction or actual damages to the Client, whichever is less. CLP shall not be liable to the Client for any indirect, special or consequential loss or damages arising from the use of 24k Cebuana Card e-Service.
16. GOVERNING LAW. This agreement shall be governed by the laws of the Republic of the Philippines and all suits arising from this agreement shall solely be cognizable by the proper courts of Makati City.
Barangay Certificate or ID (with picture and signature)
Birth Certificate (applicable to minors only)
Firearm License
Immigrant Certificate of Registration
Marriage License
National Council for the Welfare of Disabled Persons
New TIN ID
OWWA ID
Student ID
Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
Department of Social Welfare and Development (DSWD) Certification
Integrated Bar of the Philippines ID (IBP)
Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)
IDs Accepted
As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.
Forms of identification accepted are the following;
