Jean Henri Lhuillier, a long-time Philippine Sports Patron vowed to continue supporting tennis and softball in the country. Lhuillier, current president of the Amateur Softball Association of the Philippines (ASAPHIL) as well as the Unified Tennis Philippines (UTP) is elated with the progress of the programs of both sports association and is excited with their plans for the year.
“I am very upbeat for this year especially for our softball national teams as well as our top tennis players. There are lots of international tournaments lined up for them and I’m confident they will perform well and continue putting the Philippines in the softball and tennis maps”, said Lhuillier, ASAPHIL and UTP President.
Lhuillier has been the main supporter of the both the RP Blu Boys and Blu Girls, multi-gold medalists in Southeast Asian Games and consistent podium finishers in Asian Level. Lhuillier is also the man behind top tennis players former world number 17 Treat Huey; doubles specialist and currently ranked 136 Ruben Gonzales; and, former Australian Juniors doubles champion Francis Casey Alcantara, personally funding their international competitions for several years now.
The RP Blu Girls are currently deep in training for the upcoming Women’s Softball Asia Cup to be held in South Korea from April 2-8. They are also expected to contend for a medal together with the Blu Boys in the Asian Games on September . Cebuana Lhuillier Sports Ambassadors Huey, Gonzales and Alcantara are all currently representing the country’s colors in the ATP and ITF doubles competitions. All them won several titles in ITF doubles tournaments in 2022 and all are just outside the elite world’s top 100 doubles players.
Lhuillier is not only focusing on the elite athletes. Thru ASAPHIL and UTP, Lhuillier spearheads grassroots development thru hundreds of age-group tennis competitions, open tournaments and even club tournaments thru the help of sponsors Cebuana Lhuillier, Palawan Pawnshop, UNILAB, Mr. Freeze, PhilCare, Navegar, DFNN, Madison Galeries, Asia Traders Corp and Chris Sports, to discover fresh tennis talents. ASAPHIL, on the other hand, is excited to bring back national competitions to continuously hone local talents in preparation for international competitions in the years to come.
Lhuillier explained: “I have high hopes for both Philippine softball and tennis as these are the two sports where I firmly believe Filipinos have what it takes to be the world’s best, and I vow to continue giving them my all out support to make this a reality”.
Jean Henri Lhuillier, the visionary who changed the landscape of microfinance in the country, has been also helping transform the country’s sports program in a big way. A stalwart supporter of Philippine sports for over 30 years, his extensive contributions span multiple disciplines including basketball in the past. But most notably, Lhuillier was celebrated for his commitment to grassroots sports development and for bolstering the country’s national teams of both softball and tennis.
TENNIS PATRON FOR 3 DECADES
Lhuillier’s first foray in supporting tennis development in the Philippines started way back in 1998 with the staging of a series of Cebuana Lhuillier Men’s Tennis Open tournaments and ever since that, there was no stopping him from pushing Philippine tennis to greater heights.
He has since helped the development of tennis in the Philippines through various ways such as grassroots program through the Cebuana Lhuillier Age Group tennis which has consistently held more than 50 tournaments nationwide for more than a decade already. From these tournaments were the likes of future national team members like Francis Casey Alcantara and Jeson Patrombon were discovered.
He has also been a staunch supporter of the national team having been a team manager numerous times of both the Davis Cup and Southeast Asian Games national teams. Aside from national teams, he and his company Cebuana Lhuillier has been supporting the individual international campaigns of top tennis players such as Cecil Mamiit, Eric Tainio, Katharina Lehnert and Treat Huey in the past to current stars Ruben Gonzales and Francis Casey Alcantara helping all of them reach their highest world rankings in both singles and doubles.
He was also responsible in making the sport popular in the country bringing top international players in the country through the ATP Men’s Challenger as the ITF Men’s Futures tournaments. He also was the team manager and co-owner of the Manila and Philippine Mavericks in the International Premier League with tennis superstars Serena Williams and Andy Murray among his players As president of the Unified Tennis Philippines (UTP) for 7 years, Lhuillier has been responsible also for supporting top junior players to play in Asian junior tournaments as well as the WTA Future Stars. Thru the UTP, Lhuillier continues to support nationwide tournaments in both juniors and open sections.
MAN BEHIND PHILIPPINE SOFTBALL’S RESURGENCE As president of the Amateur Softball Association of the Philippines (ASAPHIL) for 17 years already, Lhuillier has been responsible for the resurgence of the sport of softball. Just like in tennis, Lhuillier has been supporting both the grassroots programs as well the national teams though ASAPHIL.
ASAPHIL, under the leadership of Lhuillier has been conducting tournaments such as the annual Summer Grand Slam National Open, Batang Pinoy, Palarong Pambansa, Philippine National Games among others. They have also been active conducting softball clinics for all stakeholders: players, coaches and even tournament officials.
With Lhuillier at the helm, the RP Blu Girls and Blu Boys have been performing extremely well in internal competitions. RP Blu Girls have won 7 straight SEAGames gold medals, silver medal in the 2017 Asian Women’s Softball Championships and have been in the top 4 five times. They boast of beating several top 10 world-ranked teams in previous World Cup competitions and was previously ranked number 1 in Asia prior to the pandemic. They are currently ranked number 4 in Asia and number 12 in the world.
Not to be left behind, the RP Blu Boys have been excelling as well with 4 gold medals in SEA Games, 5 silver medals in Asian Men’s Softball championships and was top 10 in the 2022 World Cup. They are currently ranked number 3 in Asia and number 10 in the World.
But there has been no stopping for Lhuillier and his wards. This year 2023 has been a huge year for Philippine Softball in the international arena. No less than 4 national teams qualified for the World Cup.
RP Blu Boys secure a bronze medal in the 12th Men’s Softball Asia Cup last June to qualify for the Men’s Softball World Cup. The RP Blu Girls snagged fourth place in the 18th Women’s Softball Asia Cup 2023 held last July to book a World Cup berth. The Under-15 girls’ team secured a bronze medal and has additionally clinched a spot in the 2023 WBSC World Cup for U15 Women’s Softball. Meanwhile, another team groomed by ASAPHIL, the Co-ed squad, is intensively preparing for this year’s WBSC Co-Ed Slow Pitch Softball World Cup, following their impressive silver medal performance in the Co-Ed Slow Pitch Softball Asia Cup last May.
ON TO THE ASIAN GAMES
As his softball and tennis athletes prepare to see action in the upcoming Asian Games with the RP Blu Girls and Ruben Gonzales and Francis Casey Alcanatar vying for medals, Jean Henri Lhuillier declares he will not pause until the Philippines’ softball and tennis teams under his watch succeed in seizing the glory and recognition they so deserve. Far from resting on his laurels, Lhuillier is energized for the challenges ahead: “I’m just getting started. I am incredibly optimistic about the future of Philippine softball and tennis. I firmly believe we have the potential to be world leaders in these sports, and I am committed to making this vision a reality.”
In the world of finance and microfinance, one name has consistently risen above the rest: PJ Lhuillier, Inc. (PJLI). As the esteemed parent company of Cebuana Lhuillier, PJLI and its dynamic leader Jean Henri Lhuillier have earned 24 international awards recently, each serving as a testament to their unyielding commitment to excellence.
2023 International Business Awards
PJLI’s story of excellence lies in their resolute dedication to providing microfinance services that empower countless lives. This has secured them the coveted Company of the Year award for Financial Services at the prestigious Stevie Awards. The Stevie Awards are the world’s premier business awards that celebrate the world’s most outstanding organizations and professionals.
Behind PJLI’s success is President and Chief Executive Officer (CEO) Jean Henri Lhuillier. His visionary leadership earned him four accolades, including Executive of the Year in Financial Services, Best Entrepreneur in Financial Services, Maverick of the Year, and the Lifetime Achievement Award in Consumer Services Industries. These honors underscore the exceptional leadership that propels Cebuana Lhuillier toward unparalleled excellence.
Golden Bridge Awards
The Golden Bridge Awards is a highly esteemed program that honors visionaries, innovators and leaders who have made significant contributions in various domains of business and technology. Lhuillier’s dedication and innovation have been a driving force, creating a profound impact not just within the company but on the financial landscape of the country.
“Receiving recognition on the global stage is not just a reflection of our achievements, but also an affirmation of our push for financial inclusion. Throughout our journey, we have remained steadfast in our pursuit of excellence and innovation. We [do not] only create exceptional products and services, but we also create lasting and positive change for the clients we serve,” reflects Lhuillier.
Lhuillier earned seven recognitions from the awards program, including Innovator of the Year, Lifetime Achievement Award, Maverick of the Year, Entrepreneur of the Year in Financial, Top Achiever of the Year in Asia-Pacific, Executive Achievement of the Year in Financial, and Maverick of the Year in Consumer Services.
Meanwhile, PJLI has been recognized for its exemplary and consistent dedication to shaping the future with the prestigious Grand Gobee Award and three gold awards for Most Innovative Company of the Year, Company of the Year for Financial, and Best Workplace of the Year in Asia-Pacific.
Recognition for the company’s “Intertwined” culture-building campaign further highlights its commitment to diversity and inclusion. The campaign’s bronze awards for Live Event of the Year for a Celebration Event and Employee Engagement Events underscore the organization’s commitment to nurturing a vibrant community.
Effective communication is the foundation of any successful organization, and PJLI understands this perfectly with the bronze award for Communications or PR Team-Department of the Year.
Social Media Marketing Awards
PJLI’s innovative approach to financial literacy shines through its digital campaign, the Iponaryo Video Series. The campaign exemplifies the company’s commitment to making financial literacy accessible and engaging for all. That said, the Iponaryo Video Series has earned recognition for its creativity, winning awards such as Best Use of Social Media in a Cause-Related Campaign, Best Visual Storytelling Campaign, and Best Video Series.
Global Business Excellence Awards
Lhuillier’s global impact has not gone unnoticed, with the Global Business Excellence Awards honoring him as the International CEO of the Year and the Iponaryo Video Series being awarded the Outstanding Social Media Campaign. His visionary leadership propelled PJLI to become a trailblazer in the finance industry, further solidifying its position as a leader of innovation and excellence.
These accolades not only reflect the company’s dedication to providing outstanding services, but also underscore its significant role in driving positive change within the financial landscape in the Philippines. PJLI’s success story continues to inspire, setting a high standard for the industry while embodying the values of innovation and excellence.
Cebuana Lhuillier president and CEO Jean Henri Lhuillier is on a mission to positively touch and change the lives of millions of Filipinos for the better through his numerous pursuits.
Lhuillier has successfully transformed Cebuana Lhuillier to be the Philippines’ leading microfinance provider, starting as a pawnshop to becoming the largest and leading microfinance institution in the country with close to 3500 branches. Its core products and services such as pawning, money transfer and insurance have aided millions of Filipinos achieve financial wellness and empower them to provide for their loved ones.
“We constantly innovate and improve our products to tailor fit the needs of our Ka-Cebuanas. I’ve always believed that if we give people good financial options, they are capable of making smart decisions financially,” he said.
Lhuiller makes sure that clients are given the best possible products and services through groundbreaking innovations. On top of offering pawning, money transfer and insurance products, Cebuana Lhuillier has now made savings and investment accessible to the unbanked and underbanked providing micro-savings, jewelry selling and micro-investment.
Through its micro-savings product, the company has addressed the pain points in opening a savings account by offering a low start-up amount with less documents and no maintaining balance. Micro-savings is made accessible for the masses through all Cebuana Lhuillier branches nationwide.
The Iponaryo Movement, another innovative idea of Lhuillier, has already registered 7 million account holders.
Cebuana Lhuillier has also enabled Filipinos to gain access to affordable investment through jewelry selling and micro-investment. The company encourages the public to invest in gold through FB Live, its pawnshop branches, the website and other marketplaces.
Realizing the need to make it easier for people to start a business, Lhuillier spearheaded the creation of the Ka Negosyo Center, a one-stop business shop on June 2023. The program provides business mentorship through videos, provides assistance on sales and marketing, lends financial and legal advises, as well as offers financial assistance through loans, micro-savings and insurance.
As the head of the Cebuana Lhuillier Foundation Inc. (CLFI), Lhuillier has helped make education more accessible by donating classrooms, learning centers, conference rooms, and buildings. Part of CLFI’s major thrust is the implementation of the Alternative Learning System (ALS) along with 3 other initiatives – Nationwide Scholarship Program, Spiritual and Social Enhancement Program, and Special Projects on Education.
An avid support of sports development, Lhullier helped create the Cebuana Lhuillier Age Group tennis which has held more than 50 tournaments nationwide in over 10 years. He also managed the Davis Cup and Southeast Asian Games national teams while supporting individual international campaigns of top tennis players Ruben Gonzales and Francis Casey Alcantara.
Lhuliier is the president of the Unified Tennis Philippines (UTP) for 7 years running, alongside his leadership of the Amateur Softball Association of the Philippines (ASAPHIL) for 17 years now.
The Lhuillier name has become familiar with Filipinos mainly because of the popularity and nationwide presence of Cebuana Lhuillier pawnshops. As its long-time CEO and President, Jean Henri Lhuillier is generally known to the Filipino public as the man behind the Cebuana Lhuillier brand.
Jean Henri Lhuillier, or JHL, however, wears many hats: a very successful businessman and highly respected tycoon; an advocate of entrepreneurs and micro, small, and medium enterprises; a public service leader who leads socio-civic initiatives for marginalized groups through the PJL Foundation; and an ardent supporter of Philippine sports development through softball and tennis.
But there is another role JHL portrays that is very distinguished, but many Filipinos may not be aware of: the first Honorary Consul General of the Republic of San Marino to the Philippines.
Located on the northeastern side of the Apennine Mountains and surrounded by north-central Italy, San Marino is recognized as the world’s oldest surviving republic and the fifth-smallest country in the world covering a land area of just over 61 sq km.
The Republic of San Marino decided to establish a General Consulate in the Philippines in 2007 to monitor and report on political, economic, and social developments in the Philippines (with a particular focus on the fast-growing tourism sector), to promote trade and cultural exchanges between San Marino and the Philippines, to raise awareness of San Marino, and to assist Sammarinese here in the country. To head this General Consulate, The Republic of San Marino instated JHL as the first Honorary Consul General of the Republic of San Marino to the Philippines.
After being bestowed the position, JHL proudly said: “It is a priceless honor. I am thankful to the great state of San Marino for granting me this privilege, and for entrusting its welfare under my stewardship here in a country so far away. I take special pride to be its representative and be able to share the rich culture and traditions that it has with the Filipino community”.
As Honorary Consul General, JHL created a ten-point agenda that the General Consulate has undertaken in the fulfillment of its functions and accomplishment of its goals.
• Trade and Economic Cooperation – taking part in the European Chamber of Commerce and spearheaded a Memorandum of Understanding on intercountry adoption.
• Cultural Exchange Program
• Diplomatic Consulates – assisting Samarinese here in the Philippines and maintaining international relations through the Consular Corps.
• Educational Partnerships – encouraging educational exchanges, like internships.
• Technology and Innovation – partnering with San Marino Innovations.
• Environmental Collaboration – organizing events such as Fun run for the Mangroves and Night Bazaars.
• Healthcare Cooperation – spearheading a program that assures the mental health of soon-to-be adopted kids.
• Sports and Youth engagements –conducting lectures among FEU students entitled “Beyond Diplomacy: Cultural ties between the Philippines and The Republic of San Marino”; publishing a children’s book about finding families and the importance of love and care which won the Filipino’s Choice Award at this year’s Philippine Book Festival; and, holding sports clinics
• Crisis Response and Humanitarian Aid – taking active part in different disaster assistance programs.
• Engaging with other Diplomats – joining affairs and celebrations hosted by Diplomats of other nations to support the goal of their countries to make a mark in the Philippines.
The Honorary Consul General of San Marino’s ten-point agenda has proven to be very successful throughout the years in protecting, promoting, and facilitating not only the interests of the Republic of San Marino but those of the Philippines as well.
In honor of Jean Henri Lhuillier’s work and dedication to service, the Republic of San Marino conferred him with the rank of Official Knight of the Equestrian Order of Saint Agatha. The Order, given to foreign nationals who have positively contributed charitable and other services for the benefit of San Marino with at least 10 years of service, was conferred on Jean Henri, despite serving for only seven years, because of his exemplary work and contribution to the state as its Consul General in the Philippines.
1. All clients who will send or claim their Western Union international money remittance at any Cebuana Lhuillier branch will earn an e-raffle entry for every successful transaction.
2. Lucky winners will win any of the following:
Monthly Draw
30 winners of 10,000 cash
45 winners 5,000 cash
Grand Draw
6 winners of 50,000 cash
12 winners of 25,000 cash
3. Promo will run from June 1, 2023 to July 31, 2023. Each client who will send or claim their international money remittance at any Cebuana Lhuillier branch will earn an e-raffle entry/ies.
4. All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.
Draw
Cut-off dates
Draw Date
Time of Draw
Announcement
Monthly
June 1 – June 30, 2023
July 7, 2023
2PM
July 12, 2023
Grand
July 1 – July 31, 2023
August 7, 2023
2PM
August 12, 2023
Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).
5. Cash prizes will be claimed at the transacting Cebuana Lhuillier branch.
6. All qualified clients can only win once. Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.
7. All clients must update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
8. All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.
9. Announcement of winners will be shared thru the in-branch mini poster and social media pages of Cebuana Lhuillier.
10. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.
11. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.
12. P.J. Lhuillier shall shoulder the 20% prize tax for the prizes exceeding P10,000.
13. All employees of P.J. Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.
DTI FAIR TRADE PERMIT NO. FTEB-167582 SERIES OF 2023
As various parts of the Philippines are hit by multiple strong typhoons all year round, many Filipino families are left with no house, clothes, or food. Most of the affected population does not anticipate the destruction that a typhoon would bring and is left unprepared for the resulting challenges.
With all the debilitating and unforeseen events, including the calamities and COVID-19 surge, more and more overseas Filipino workers (OFWs) are worried about their loved ones in the Philippines. Being away from their friends and family in the country only heightens the uneasiness they feel.
To help as much as they can, some OFWs send money online or through money transfer services so that their loved ones can prepare emergency kits and essentials for sudden and unavoidable happenings they may encounter in the future.
At Cebuana Lhuillier, we are dedicated to being your partner and helping you get your funds to your loved ones safely. We offer one of the best money transfer services in the Philippines, and we can quickly get your hard-earned money to your families so they can prepare their emergency essentials at home.
As soon as the money is remitted, they can assemble the following items:
Health Kits
There are many reasons why health or first-aid kits should be a staple emergency essential in every household. These collections of supplies and equipment are highly beneficial and can temporarily stop or alleviate common injuries while waiting for paramedics or rescuers to get to you.
It is also easy to gather different things for your kit. After sending money through online money transfer services like the eCebuana app, your loved ones can simply purchase some of the essentials online, so they don’t have to go out just to buy them.
Basic Kits
Here are the common things health experts recommend to put in your health kit:
Bandage Strips
Adhesives Tapes or Duct Tapes
Cotton Balls and Swabs
Alcohol and Hydrogen Peroxide
COVID-19 Kits
Additionally, to customize your health kit into a COVID-19 care kit, you can add the following:
Digital Thermometer
Pulse Oximeter
Paracetamol
Disposable gloves and masks
With all of these in your kit, you can be a bit more confident when facing calamities, emergencies, or illnesses. It is also recommended to add more things you think your family members may need, such as special allergy medications, prescribed antibiotics, and maintenance pills.
Masks and PPEs
Wearing a face mask is now a standard protocol when going outside or entering public facilities. Additionally, personal protective equipment is required when undergoing certain medical or personal procedures.
The effectiveness of both protective gears is proven and backed by various health organizations, including the U.S. Food & Drug Administration.
Grocery Supplies
OFWs deserve the best international money transfer service when sending their loved ones cash to buy groceries. Nowadays, restrictions are placed to help regulate the spread of the coronavirus disease, and people are advised not to go out often. Stocking up on food, bathroom products, and other essentials is recommended to minimize exposure to possible cases.
In addition, when COVID-positive patients are admitted to quarantine facilities, they would need bags of grocery supplies to get through their self-isolation period. Having a reliable partner for money transfer services like Cebuana Lhuillier will help the patients’ loved ones send money smoothly and quickly.
Medicines
You can add your medicinal supplies to your health kits, but it is preferable to assemble a separate medicine cabinet or pouch for them to organize your medicines according to their uses.
The most important kinds of medication you should have are:
Aspirin
This medicine works as a pain reliever for adults, and per the American Heart Association, it can help people when they experience a heart attack.
Acetaminophen
Acetaminophen is a non-steroidal drug that reduces inflammation caused by different injuries you might encounter during typhoons, fires, and so on.
Antihistamine
Allergic reactions can happen anytime, and antihistamines are the most effective drugs against them. Most antihistamines are taken orally, and in some cases, there are also creams that can be applied directly to the body part affected.
Once you have collected all of these in your medicine box, make sure to consult a doctor or research the proper dosage instructions for each medication. Every pill has different effects, so it is best to review them one by one to be able to use them appropriately.
Disinfectants
Having clean and sterile surroundings is a must. Most people nowadays carry alcohol sprays and sanitizers even when they are simply going out for errands. Purchasing disinfectants and making sure we have plenty of alcohol or hand sanitizer at home can ensure that you have the tools needed to sterilize your surroundings.
To find the best disinfecting agents, you must consider the following factors:
Effectiveness
Each disinfectant has a different effectivity. When diluted in water, alcohol can be a great protectant against a wider range of bacteria. Meanwhile, the ones containing chlorine compounds effectively kill highly resistant viruses and remove other bodily fluids.
Kill Time
The typical kill time for disinfecting agents ranges from 30 seconds to 5 minutes. Other cleaning supplies that claim to kill bacteria longer than that should remain wet on a surface to be actively working.
Ease of Use
Most of the disinfectants sold now are pretty easy to use. Many of them are sprayable, dilutable in water, or appliable on surfaces. Uncomplicated application is an important factor since cleaning infected areas should be done quickly and as easily as possible.
Others
Investing in an oxygen tank will also help you become more prepared for specific emergencies. Since the pandemic started, the demand for this equipment has increased to 1.1 million cylinders in third-world countries alone. Having one can be a total lifesaver, especially when there are confirmed COVID-positive members in the family. However, buying a brand-new one can be a bit pricey.
With the eCebuana app, you can save money and send more to your family so they can secure an emergency essential right away.
Mag-Pera Padala Using Cebuana Lhuillier Money Transfer Services
Hard times like calamities and pandemics call for convenient, safe, and quick money transfer services like the one we offer at Cebuana Lhuillier. Having a reliable partner that you can trust to get your money to your families is a big sigh of relief in these situations.
Send your money online now, and we’ll make sure your loved ones can get it in no time. Feel free to contact us if you have questions or concerns, and we’ll get back to you as soon as we can.
1. All clients who will cash in or cash out to any e-wallet partner (GCash, Coins.PH, MAYA, Diskartech, and CebEx)at any Cebuana Lhuillier branch and Peralink authorized agent will earn an e-raffle entry for every successful transaction.
2. Lucky winners will win any of the following:
3 winners of trip for 2 at Palawan
Includes roundtrip flight and hotel accommodation
Accommodation at Bacau Hotel Palawan3 days and 2 nights only, includes breakfast.
Flight is at Cebu Pacific– Economy flight
Transferrable but not convertible to cash.
Must be availed within 1 year from date of claim
3 winners of Trip for 2 at Boracay
Includes roundtrip flight and hotel accommodation
Accommodation at Le Soleil De Boracay3 days and 2 nights only, includes breakfast.
5 winners of Samsung Tablet A8 Wifi and 1,000 cash
3. Promo will run from October 1 to November 30, 2023. Each client who will cash-in or cash-out will earn e-raffle entry/ies.
4. All qualified entries during the promo duration will be drawn on the below date:
Cut-off dates
Draw Date
Time of Draw
Announcement
October 1 to November 30, 2023
December 7, 2023
2pm
December 22, 2023
Winners shall be drawn witnessed by a DTI representative.
Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).
5. All clients must update their personal information (e.g., name, address and active mobile/telephone) in their transacting Cebuana Lhuillier branch as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
6. A client may only win once. If a name was drawn more than once, the winner shall get the prize of higher value.
7. P.J. Lhuillier/Cebuana Lhuillier shall shoulder the 20% prize tax for the prizes exceeding P10,000.
8. The trip prize is transferrable but not convertible to cash.
9. All winners will receive a registered mail bearing the procedure on how they will be able to claim their prize. They must present the letter to their winning Cebuana Lhuillier branch together with a valid ID and tax identification number during the redemption period.
10. Announcement of winners will be shared thru the in-branch mini poster and social media pages of Cebuana Lhuillier.
11. Cebuana Lhuillier shall not be liable if the winners did not receive the registered mail due to outdated personal information.
12. All winners will only have sixty (60) calendar days to redeem their prize upon receipt of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier with prior approval from DTI.
13. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.
Per DTI Fair Trade Permit No. FTEB-176061 Series of 2023
1.Must be a registered eCebuana app user. 2.Must transact to any of the following within the promo period:
Bills Pay
Instapay Transfer
Monthly Draw
5winners of 1,000 cash
3 winners of 5,000 cash
Grand Draw
5winners of 1,000 cash
3 winners of 5,000 cash
Promo will run fromAugust 1, 2023 to October 31, 2023. Each registered eCeb user should transact bills payment and instapay transfer via eCebuana App to earn an e-raffle entry/ies.
All qualified entries during the promo duration will be drawn on the following dates at the ICT Office, 3/F The Networld Hub, 156 Jupiter cor. Comet Sts., Bel-Air Makati City.
Draw
Cut-off dates
Draw Date
Time of Draw
Announcement
Monthly
August 1 – 31, 2023
September 8, 2023
3PM
September 13, 2023
September 1 – 30, 2023
October 9, 2023
3PM
October 13, 2023
Grand
October 1 – 31, 2023
November 9, 2023
3PM
November 13, 2023
Prizes shall be drawn under the supervision of the assigned representative by the Department of Trade and Industry (DTI).
Cash prizes will be credited to client’s MSA or CSA.
All qualified clients can only win once.Non-winning clients can still win on the succeeding draws if they have transaction on the next cut-off.
All clients must update their personal information (e.g., name, addressand active mobile/telephone) in the nearest Cebuana Lhuillier Rural Bank branch or Cebuana Lhuillier Pawnshop branches as this will be the basis of the marketing team in sending the registered mail and SMS to the winners.
All winners will receive thru registered mail an instruction on how they will be able to claim the prize. Announcement of winners will be via email and SMS, a Facebook page posting will also be done.
Cebuana LhuillierRural Bank shall not be liable if the winners did not receive the registered mail due to outdated personal information.
All winners will only have sixty (60) calendar days to redeem their prizes upon acknowledgement of the registered mail. All unclaimed prizes will be forfeited in favor of Cebuana Lhuillier Bank with prior approval from DTI.
P.J. Lhuillier shall shoulder the 20% prize tax for the prizes exceeding P10,000.
All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.
DTI Fair Trade Permit No. FTEB-173225 Series of 2023
1. All clients who will cash in or cash out to any e-wallet partner at any Cebuana Lhuillier branch or authorized retail agents will earn an e-raffle entry for every successful transaction.
Cebuana Lhuillier Branches (RCBC Diskartech, Coins.ph, Cebexpress, Maya and Gcash)
Peralink Authorized Retail Agents (Gcash and Cebexpress only)
2. Lucky winners will win any of the following:
Monthly Draw (June)
100 winners 500 Diskartech load wallet and 1000 cash prize- for Diskartech users
10 winners of 10,000 cash prize
10 winners of 5,000 cash prize
10 winners of 2,000 cash prize
Monthly Draw (July)
100 winners 500 Diskartech load wallet and 1000 cash prize- for Diskartech users
10 winners of 10,000 cash prize
10 winners of 5,000 cash prize
10 winners of 2,000 cash prize
Grand Draw (August)
100 winners of 1000 Diskartech load wallet and 2000 cash prize- for Diskartech users
3 winners of 50,000 cash prize
10 winners of 10,000 cash prize
10 winners of 5,000 cash prize
3. Promo will run from June 1 to August 31, 2023. Each client who will cash-in or cash-out will earn e-raffle entry/ies.
4. All qualified entries during the promo duration will be drawn on the following dates:
Draw
Cut-off dates
Draw Date
Announcement
Monthly
June 1 to June 30,2023
July 6, 2023
July 13, 2023
Monthly
July 1 to July 31, 2023
August 8, 2023
August 15, 2023
Grand Draw
June 1 to August 31, 2023
September 8, 2023
September 20,2023
5. All employees of P.J.Lhuillier Group of Companies, Ad/ Creatives Agency, PR and Media agencies and their relatives up to second degree of consanguinity or affinity are disqualified from joining this promo.
PER DTI FAIR TRADE PERMIT NO. FTEB-167926 SERIES OF 2023
Cebuana Lhuillier ERCare covers the medical expenses incurred within a year from the date of issuance or purchase by the InsuredPerson for the treatment of an eligible emergency condition, availment of which caneither be as an Out-Patient in the Emergency Room Department or as an In-Patient of aHospital via cash assistance.Cebuana Lhuillier ERCare is eligible for persons 15 days old to 65 years old. This is provided by Pacific Cross (Philippines) Insurance Inc.
ER Coverage
Php 5,000.00
Php 10,000.00
Php 20,000.00
Cost
Php 550.00
Php 900.00
Php 1,250.00
Product Details
The Policy is Effective for one (1) year from the date of issuance or after payment of claim,whichever comes first.
One-time availment plan for Emergency outpatient insured clients.
This requires that the client is accommodated for treatment in the Emergency RoomDepartment of a hospital.
Payment based on actual medical expenses incurred in the Emergency Room Departmentof a hospital for a one-time occurrence per period of coverage not exceeding the plan limit
Once claim is paid, MBL is considered fully exhausted, and Policy is automaticallyterminated.
Coverage for accident and illnesses will commence 15 calendar days from date ofsuccessful activation.
Multiple purchase of e-Voucher is allowed but only one (1) e-Voucher can be activatedwithin the same period of insurance following the Activation Interval as defined above inthis proposal.
The activated e-Voucher is not transferable to another person. Declaration of the Insuredshould be upon application.
OurHelp.org is a donation site where the donors can choose to ensure individuals who would not have access to or means to get insurance coverage.
Every individual gets microinsurance that covers accidental death or dismemberment and disability, unprovoked murder and assault, and other causes of death (except suicide). Donees will also receive cash assistance in case fire hits their home. This is how you can help.
Cebuana Lhuillier’s annual Disaster Resilience Forum aims to continue the ongoing discussions on various multi-sectors’ initiatives and efforts in building disaster resilient communities.
With the support of the Insurance Commission of the Philippines and GIZ, the company helps prepare Filipinos for imminent dangers, such as natural disasters, by spreading information in order to minimize, if not completely avoid, damages and loss of lives in the event of calamities.
The Search for the Happiest Pinoy is a nationwide campaign of Cebuana Lhuillier that aims to promote the values of optimism, resilience, and positive impact in Filipinos amidst different life crises.
Cebuana Lhuillier’s sports advocacy began with its President and CEO Jean Henri Lhuillier’s desire to boost sports development and awareness in the country. A sports enthusiast since his youth, Jean Henri recognizes the role of sports in nurturing life and leadership skills that ultimately contribute to nation-building.
As early as 2002, Cebuana Lhuillier has been supporting sports events and tournaments for softball, tennis, and basketball, among others. From Cebuana’s notable brood of athletes emerged a number of sports luminaries that have made their mark in their respective sports. These include world-class doubles champion Treat Huey, SEA Games softball champion members of the RP Blu Boys and Girls, and Metropolitan Basketball Association legends Cebu Gems.
In pursuit of the advocacy of Cebuana Lhuillier’s President and CEO Jean Henri Lhuillier, whose philosophy is “Always Love Schooling”, which highlights the “Continuous Pursuit of Education”, the Cebuana Lhuillier Foundation, Inc. (CLFI) implemented the Alternative Learning System (ALS), along with three other initiatives that emphasize the value of education — Nationwide Scholarship Program, Spiritual and Social Enhancement Program, and Special Projects on Education.
Established in 2013 with the Department of Education, the ALS provides Academic, Livelihood, Spiritual and Social Education to former out-of-school youth and adults in the elementary and secondary levels.
In pursuit of the P.J. Lhuillier Group of Companies’ corporate value of social responsibility, Jean Henri D. Lhuillier, President and CEO of the P.J. Lhuillier Group of Companies (PJLGC), directed the establishment of the Cebuana Lhuillier Foundation, Inc. (CLFI).
Since its incorporation as a non-profit organization in 2000, it has imparted blessings and empowered the less fortunate by serving as the corporate vehicle of the PJLGC and of the family of Ambassador and Mrs. Philippe J. Lhuillier for giving back to the community.
To claim your insurance, please send an email via [email protected]. Written notice of incident on which claim may be based must be given to Cebuana Lhuillier Insurance Brokers within thirty (30) days after the date of the accident causing such disablement/dismemberment.
Once approved, claim your benefit at any Cebuana Lhuillier branch nationwide.
Please note that some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization.
A beneficiary refers to an individual specified in an insurance policy who is eligible to receive the benefits of the policy upon the approval of a claim for death. Immediate family members or, in certain instances, business partners are typically the most frequently designated beneficiaries.
This will depend on your current needs as well as your financial capability. Cebuana Lhuillier offers insurance products for as low as P10 to ensure that every Filipino has access to insurance protection and benefits.
Cebuana Lhuillier currently offers accident, vehicle, property, health, life & comprehensive insurances that are tailor-fit to the needs of every Filipino.
You may check our website, click on Branch Locator and search for a specific branch. You may also contact our Customer Cares team via text message at GLOBE 0917-8122737 SMART 0918-8122737
Paumanhin ngunit kailangan nyo munang i-settle ang obligation on or before expiry date ngunit maaari nyo rin itong icoordinate sa inyong home branch at ipaalam sa kanila ang iyong request.
If the sending agent is one of the international tie-up partners of Cebuana Lhuillier, clients may claim their money at any branch. Click here for the complete list of remittance partners.
The sender may cancel or refund their remittance. The sender needs to visit the branch where the transaction was processed. Please be reminded that the service fee is non-refundable.
The sender may visit any branch of Cebuana Lhuillier to change the receiver’s name. The sender needs to bring the Pera Padala form and present a valid ID. There is an amendment fee of Php10.
As required by 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.
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.
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;
