?How do I cancel my remittance

If the remittance is still unclaimed you may request a refund by visiting the branch. Bring a letter of request and a valid ID when doing so.

?Paano kung hindi ako maka-bisita sa branch para i-renew ang aking nakasangla na item

Maaari kang mag-authorize ng tao na maaaring mag-renew para sa iyo o mag-avail ng renew anywhere option.

?Maaari ko bang ipa-hold ang pawned item ko

Maaari mong icocoordinate ito sa iyong home branch. Ang request na ito ay ipapaasa pa for approval.

?Mayroon bang grace period after the expiry date ang mga isinanglang item

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.

?Maaari ko bang kuhain ang item kung hindi ko ito na-renew o na-redeem bago ito maexpire

Kung nasa branch pa rin ito at hindi pa nai-auction maaari nyo po itong i- coordinate sa inyong home branch.

?Paano ko i-rerenew ang aking pawn ticket

Pumunta sa alinman sa Cebuana Lhuillier branches at magbayad ng iyong renewal fee.

?Can I claim my remittance in Cebuana Lhuillier

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.

How do I send money (domestic)

Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
Give the total amount to be paid.
Secure the Pera Padala form (and count the change received, if there is any).
Provide the 10-digit control number to the receiver/beneficiary.

How do I know the service fee for sending money

Rates vary. Please click here for Pera Padala rates and charges.

Can I authorize someone else to claim my money

No, If the receiver or beneficiary is not available to claim the money, they may advise the sender to amend the receiver’s name.

Can I cancel or refund my remittance

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.

Can I change the receiver’s name? How

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.

What are the acceptable IDs when pawning

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.

Click here to see complete list of accepted IDs

Where would I see the contact number of your branches

Click here to check the branch contact number

What time are you open and closed

Business hours of branches vary. Click here to check the branch business hours.

Where do I claim my remittance

Clients may visit any branch to claim their remittance.

Advisory – Fees and Charges

Greetings, Ka-Cebuana

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.

12.3 Applicable fees may be found at the Bank’s website www.cebuanalhuillierbank.com

13. CLOSURE OF ACCOUNT

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:

Phone : (02) 7759-9800 / (02) 8779-9800

SMS : 0917-81CARES (22737) GLOBE / 0918-81CARES (22737) SMART

Email : [email protected]

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.

Terms and Conditions

1. GENERAL PROVISIONS:
- 1.1. DEFINITIONS
  - 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:
- Phone : (02) 7759-9800/(02) 8779-9800
- SMS : 0917-81CARES (22737) GLOBE / 0918-81 CARES (22737)
- 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.

Home Loan

Do you need financial assistance on the following?

Construction or Renovation
Purchase of house and/or Lot
Refinancing or Take-Out

Maximum loan	Up to 80% of the Total Contract Price or Appraised Value
Loan Term	Up to 3 years to pay
Interest Rate	As low as 6.5% per annum, interest to be applied shall be based on the prevailing rate of time of draw down or repricing

Auto Loan

Owning your dream car is now made easier! You can loan up to 70 percent of your car’s value.

For a Php 400,000 vehicle, we can finance up to Php 240,000! Pay as low as P8,600 per month in 36 installments!

Tsikot to Cash Loan

Need funds to fix your car? Then use it as collateral for your car loan!

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.

Employee Salary Loan

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.

Agricultural Loan

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.

Microfinance Loan

Helping micro business:

Increase Inventory of Goods Being Sold
Support Day-to-Day Operation
Other Business Expenses
Up to Php 3000,00 loan Amount
Up to 1 year to pay
3% Add-ON-Rate per month
Auto-Debit or Post-Dated Checks
No Collateral

SME TERM Loan

For purpose of:

Business Expansion
Acquisition of Property
Purchase of Machinery or Equipment

Maximum loan	Php 15,000,000
Loan Term	Up to 5 years to pay
Interest rate	7% per annum
Payment Arrangement	Post-Dated Check
With Collateral

Motorcycle Loan

Regular

Exclusive to Japanese Brands
Below php 184,999 SRP

Minimum Down payment	As low as 5%
Interest Rate	2.50% add on/month
Payment Term: Up to 36 months
Payment Arrangement	Auto-Debit via Cebuana Microsavings

Medium Bike

All Brands excepts Chinese Brand
Php 185, 000 to Php 249, 999 SRP

Minimum Down payment	As low as 18%
Interest Rate	1.75% on/month
Payment Term: Up to 36 months
Payment Arrangement	Auto-Debit via Cebuana Microsavings or Pst-Dated Checks

Big Bike

All Brands excepts Chinese Brand
Php 250,000 and above

Minimum Down payment	As low as 20%
Interest Rate	0.83% on/month
Payment Term	Up to 36 months or 10%/p.a.
Payment Arrangement	PDC

Cebuana Savings

this is an upgraded version of Microsavings which can exceed P50,000 savings.

Save more than Php 50,00
Earn Higher interest per annum
No Limit on Deposit and Free Upgrade

Requirements:
1. Updated Customer Information Sheet
2. Two (2) Valid Government IDs

Interest per Annum	0.50%
Minimum Maintaining Balance	Php 1,000
Minimum Balance to earn	5,000
Dormancy Period	2 years without client-initiated transaction
Maximum account Balance	No Limit
Deposit Amount	Min php 50; No maximum limit

Regular Savings

Passbook-based savings account that let’s you monitor your growing money

Easy record keeping
Low initial deposit
Secure way to save

Requirements:
1. Updated Customer Information Sheet
2. Two (2) Valid Government IDs
3. Proof of Billing

Interest per Annum	0.50%
Minimum Initial Deposit	Php 500
Minimum Balance	Php 500
Require Balance to Earn Interest	No Limit

Checking Account

Secure payments via cheque with affordable peso checking account

Affordable Checking
Cover Personal or Business Needs
Secure payments

Requirements:
1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing

Initial Deposits	5,000
Interest Rate(Per annum)	Non- Interest bearing
Maintaining Balance	Php 5,000
Fund Access	Checkbook

Time Deposits

Earn Premium rates at your preferred maturity period

High Interest yield
Tax Free
Terms suitable to your lifestyle

Requirements:
1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing

Amount	30-89 Days	90-364 Days	365 Days
P10,000.00 – P49,999.99	0.592%	0.632%	0.654%
P50,000.00 – P99,999.99	0.592%	0.632%	0.654%
P100,000.00 – P199,999.99	0.592%	0.632%	0.654%
P200,000.00 – P499,999.99	0.592%	0.632%	0.654%
P500,000.00 – P999,999.99	0.700%	0.700%	0.700%
P1, 000,000.00 – P2,999,999.99	0.750%	0.834%	0.875%
P3, 000,000.00 – P4,999,999.99	0.750%	0.834%	0.875%
P5, 000,000.00 – P9,999,999.99	0.750%	0.834%	0.875%
P10, 000,000.00 and above	0.750%	0.834%	0.875%

Initial Deposit of P10,000.00
Subject to 20% withholding tax

Five Year Time Deposit

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

Minimum Placement	Php 100,000
Terms	30 Days to 365 Days
Proof of account	Certificate of time Deposits

Amount	Interest Rate (per annum)
P100,000 – 999,999.99	2.00%
P1,000.000 -P9,999,999.99	2.50%
P10,000,000n and above	3.00%

Special Savings Deposits

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.

Interest rates (Gross) per annum:

Amount	30 days	90 days	1 year
10,000 – 49,999	0.750%	0.825%	1.250%
50,000 – 99,999	0.750%	0.825%	1.250%
100,000 – 199,999	1.000%	1.500%	2.500%
200,000 – 499,999	1.125%	1.500%	2.500%
500,000 – 999,999	1.500%	2.000%	3.000%
1,000,000 – 2,999,999	1.500%	2.500%	3.250%
3,000,000 – 4,999,999	1.500%	2.500%	3.250%
5,000,000 – 9,999,999	1.500%	2.500%	3.250%
10M and up	2.000%	2.500%	4.500%

Terms and Conditions

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:

Phone : (02) 7759-9800/(02) 8779-9800
SMS : 0917-81CARES (22737) GLOBE / 0918-81CARES (22737) SMART
Email : [email protected]

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.

Member’s Guide

Domestic Remittance Sending using e-Money

- Visit the 24k Online Client Portal website (www.24konline.ph)
- Log-in with your account.

- Select e-Money tab.
- Click Money Remittance Using e-Money.
- Select if you will send money using the Receiver’s Name or Client Number.
- For sending using the Receiver’s Name, type the First Name and Last Name of the receiver and the Amount of money to be sent.
- For sending using the Client Number, type the Client Number and the Amount of money to be sent.
- Select a Promo Discount (if applicable) from the dropdown list.
- Type your PIN and the Code displayed on the screen.
- Click Send.

Cebuana Lhuillier Mobile Application
Domestic Remittance Sending using e-Money

- Open the Cebuana Lhuillier Mobile Application and log-in with your account.

- Tap the REMITTANCE tab then tap e-Money Remittance.

- Accomplish the required fields then tap Send Remittance.

- Proceed with the transaction by tapping YES.

- View the Transaction Summary for the remittance control number then tap OK.

Reloading using e-Money

- Open the Cebuana Lhuillier Mobile Application and log-in with your account.

- Tap the ELOAD tab then tap Reload.

- Accomplish the required fields then tap Reload.

- View the Transaction Summary for the remittance control number then tap OK.

SMS
Domestic Remittance Sending using e-Money

- Construct a text message using the syntax below.

Text Message Syntax	CEBUANA<space>ESEND<space>BeneficiaryLastname/BeneficiaryFirstname/PrincipalAmount/PinCode
Example	CEBUANA ESEND Dela Cruz/Juan/2500/1234

- Send the text message to the assigned number.

Smart	Globe	Sun
09088802930	091787882452	09328428562
09209582451	091787882453
09209582452	091787882454
09209582453
09209582454

Requirements:

- Enrolled in e-Channel (mobile/email)
- Activated account (Pin code changed)
- Enrolled in e-Money
- With sufficient e-Money
- Limit of amounts is 1 to 50,000 per transaction

Cebuana Lhuillier Marketing Services Inc. – Corporate Sales

Email address: [email protected]

Contact No: 7759-9888 or 7779-9888

SecurityCARE

SecurityCARE is a Group Personal Accident Insurance specially designed for Security Guards and officers.

It covers Unprovoked Murder & Assault (UMA), Accidental Death, Disablement & Dismemberment (ADD&D), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and an optional cover for Accident Daily Hospital Income (DHI).

Engineering Insurance

Engineering Insurance insures construction projects such as buildings, roads, bridges and other civil engineering projects against accidents resulting in loss or damage of works in progress, materials, construction equipment and machinery during the period of construction as well as third party liability.

Retail Fire Insurance

Retail Fire Insurance provides loss protection to buildings including furniture, fixtures, and fittings against fire, lightning, and other allied perils like earthquake, typhoon, flood, etc.

Marine Cargo / Marine Hull Insurance

Marine Cargo or Hull Insurance offers protection to any property whilst in transit by air, land and sea.

TanodCARE

TanodCARE is a Group Personal Accident Insurance specially designed for barangay tanod officials and its members/personnel.

It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder & Assault (UMA), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and Accident Daily Hospital Income (DHI).

This insurance requires a minimum number of 30 enrolees aged 18 to 65 years old, Enrolees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.

TODACARE

TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members.

This insurance requires a minimum number of 10 enrolees aged 18 to 65 years old, Enrolees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.

StudentCARE

StudentCARE is a Group Personal Accident Insurance that protects students from various perils 24/7 worldwide.

It covers Accidental Death, Disablement & Dismemberment (ADD&D), Accidental Medical Reimbursement (AMR), Unprovoked Murder & Assault (UMA); Accident Burial Benefit (ABB), Daily Hospital Income (DHI); Ambulance Fee and Fire Assistance.

CGL Insurance

Comprehensive General Liability (CGL) Insurance is a comprehensive coverage on building establishments for third party liability (bodily injury and property damage) within premises and operations of a business.

Corporate Payout

We offer a money disbursement service through our close to 2,500 branches nationwide for your company’s employee salary, monetary bonuses/incentives, money distribution, and other corporate disbursement needs.

Collection Services

We can act as your company’s collection depository for businesses who are engaged in distribution and collection. Most ideal for unbanked or underbanked areas, this service enables businesses to conveniently collect from outlets through Cebuana Lhuillier branches nationwide, assuring secure and timely remittance each time.

PeraPal

Let us help your business make it easier for your customers as we serve as your payment gateway system to enable your online shoppers pay their purchase at any Cebuana Lhuillier branch. With PeraPal, Cebuana Lhuillier serves as a third party that collects payments for online sellers. The service is especially useful for customers who prefer to pay in cash in lieu of a debit or credit card.

Bills Payment

Let us be your official bills payment station partner and extend our convenient, fast, and safe transactions to your clients. At present, Cebuana Lhuillier is a trusted bills payment partner of major telecommunication networks, insurance companies, online businesses, and schools, among others.

E-load

Cebuana Lhuillier serves as an additional point of sale for telecommunications networks through its e-load services. With more than 2,000 branches nationwide, we can help make your prepaid loading products accessible to customers.

General Exclusions

Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane.
Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring because of an accidental cut or wound.
Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision.
Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form.
War, invasion, act of foreign enemy, hostilities or warlike operation (whatever war declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part.
Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause Illness and/or disablement and/or death.
Accident occurring while the Insured Individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft.
Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying , sailing or other hobbies which are comparably dangerous and risky, unless sports premium is paid to cover such risk.
Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual.
Any violation or attempted violation of the law or resistance to arrest by the Insured Individual.
Cosmic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured’s person caused solely by Accident.
Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman, Sawmill Worker, Wood-Working Machinist and Window Cleaner.
Accident to any of the following persons: Divers while performing underwater activities; Firemen while performing fire-fighting activities;
Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm or whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Am I required to avail of ProtectMAX insurance

Our ProtectMAX personal accident microinsurance is optional. However, we highly recommend that you avail of it, considering the premium benefits that you will enjoy if you have one. For only P50 per certificate, you will get up to P25,000 personal accident coverage plus P5,000 fire cash aid and P1,000 hospital cash assistance for four months.

What is the period of coverage of ProtectMAX

Each ProtectMAX personal accident microinsurance certificate is valid for four months from enrollment. You must renew your ProtectMAX certificates after four months to continue your eligibility for the claiming of benefits should the time of need arise.

Sample Partnership Faq

Missing Content

Partners

https://www.lazada.com.ph/shop/cebuana-lhuillier-insurance-brokers

https://shopee.ph/clis2019

https://help.gcash.com/hc/en-us/sections/13776979330073-Cebuana-Lhuillier

https://www.insurebox.ph

https://www.messenger.com/t/116956164988102/

Cebuana Lhuillier Financial Branch

Branch Name : CLF Robinsons Galleria
Address: L/GF Robinsons Galleria Ortigas Ave. Ugong Norte, Quezon City
Contact No: 0993-517-0245 / 84511446
Business Hours : 10:00am – 8:00pm

Branch Name: CLF SM Manila
Address: 4th floor, SM Manila, Ermita Manila.
Contact Number: 0947-712-5699 / 85257862
Business Hours: 10:00am – 8:00pm

Branch Name : CLF Market Market
Address: Level 3, Market Market, McKinley Pkwy, Taguig, Metro Manila
Contact No: 0929-589-2823 / 85355446M
Business Hours : 10:00am – 8:00pm

Branch Name: CLF Alimall
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm

Branch Name: CLF Robinsons Manila
Address: Level 1 Adriatico St. Robinsons Manila, Ermita, Manila
Contact No: 0997-602-5477 / 85257862

Does a Money Remittance transaction have an expiry

Most money transfer transactions are valid for 5 years with the exception of international remittance via Moneygram which is valid only for 45 days.

I’m only sending money, why do I have to present a valid ID for this transaction

We only require IDs from clients who will be sending money remittance for the first time. This is in line with our compliance with the Bangko Sentral ng Pilipinas (BSP) policy of knowing our clients to ensure the safety and integrity of your transaction.

Why is there a need to test my item during pawning

We need to test the item you submit for pawning so that we can give the proper appraisal value for your item.

?Can I still renew or redeem my item even if I lost my pawn ticket

Yes. Immediately inform your branch of the loss so that we can prevent redemption by unscrupulous individuals. During renewal or redemption, you need to present a notarized affidavit of loss and valid IDs.

?Will my jewelry item be damaged during appraisal

No. Our branch personnel are expertly trained to carefully appraise jewelry items. In some cases and with your permission, however, special tools may be needed to better appraise the items. The effects of these tools on your item will be barely noticeable.

?Aside from jewelry items and appliances, what other items do you accept for pawning

We also accept electronic gadgets such as mobile phone, digicam, videocam, magic sing, and the like. Inquire from the pawnshop nearest you for the other items accepted for pawning.

?Is my pawned item safe while in your custody

Yes, your item is safe because it will be placed in a sealed plastic pouch with your signature. This ensures that your item will never be tampered. Aside from this, we have enforced in every branch tight security measures to ensure the safety of the item you’ve entrusted with us.

?Can I see my item even if I will not redeem it

As part of our security measures, we do not allow items to be brought out from the vault except when the item is redeemed. This is to ensure the safety and security of your items.

?Can I redeem my item anytime during business hours

You can redeem your item anytime except on Sundays and after 5pm from Monday to Saturday.

?How can I avoid foreclosure of my item

To avoid foreclosure, you need to renew or redeem your item on or before the expiry date, that is, 120 days from the loan date.

?Will you be sending a notice/reminder prior to the expiration of my loan

Yes, we will send a notice via postal mail. Therefore, it is important that you provide us with your complete and updated address.

?What happens to my foreclosed item

Foreclosed items are offered for public auction. The auction schedules are published in various tabloid newspapers.

?Can anyone redeem the item on behalf of the pawner

We encourage our pawners to personally redeem their items. In the event that they are unable to do so, they may authorize another person to redeem the item on their behalf. Both the pawner and authorized representative must sign at the back portion of the pawnticket. Upon redemption, the representative must present the duly signed pawnticket along with the valid IDs of the pawner and the authorized representative. This is to ensure the safety and integrity of the item redemption and protection of our pawner.

BSP Circular

MANUAL OF REGULATIONS FOR NON-BANK FINANCIAL INSTITUTIONS – PAWNSHOPS

Pawnshops who transact with any pawner for the first time shall require the pawner to present the original and submit a clear copy of at least one (1) valid photo bearing identification document (ID) issued by an official authority.

The valid ID should indicate the address where the pawner resides, otherwise, pawner shall be required to present, together with the valid ID, a barangay certification or a copy of a billing statement that indicates the address where the pawner resides.

For this purpose, the term “official authority” shall refer to any of the following:

Government of the Republic of the Philippines;
Its political subdivisions and instrumentalities;
Government-owned and/or controlled corporations (GOCCs); and
Private entities or institutions registered with or supervised or regulated either by the BSP or the SEC or the Insurance Commission (IC).

Valid IDs include the following:

Passport; inlcuding those issued by foreign governments
Driver’s License
Professional Regulation Commission (PRC) ID
National Bureau of Investigation (NBI) Clearance
Police Clearance
Postal ID
Voter’s ID
Barangay Certification
Government Service Insurance System (GSIS) e- Card
Social Security System (SSS) Card
Senior Citizen Card
Overseas Workers Welfare Administration (OWWA) ID
OFW ID
Seaman’s Book
Alien Certification of Registration/ Immigrant Certificate of Registration
Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
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
Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC
Passports issued by foreign governments

The foregoing shall be in addition to the customer identification requirements under Rule 9.1.c of the Revised Implementing Rules and Regulations (RIRRs) of R.A. No. 9160, as amended (Anti-Money Laundering Act), which requires pawnshop to obtain the following minimum information / documents from pawners:

Name;
Present address;
Permanent address;
Date and place of birth;
Nationality;
Nature of work and name of employer or nature of self-employment/business;
Contact numbers; and
Specimen signature.

A copy of the ID, barangay certificate and/or billing statement shall be kept by pawnshops for convenience of the pawner who continues to transact with the pawnshop but said documents should be updated at least every three (3) years. Pawnshops shall post excerpts of the above requirements conspicuously in its principal place of business and branches. The poster (shown as Appendix 7) shall not be smaller than 8.5 x 11 inches.

Loan Limit. Pawnshops may grant such amount of loans as may be agreed upon between the parties. The amount of loan shall in no case be less than thirty percent (30%) of the appraised value of the security offered, unless the pawner manifests in writing that he is applying for a lesser amount. Pawnshops shall not underappraise the security offered for the loan to circumvent the restriction prescribed by this Section.

Interest and Surcharges. The rate of interest including surcharges on any loan or forbearance of money extended by a pawnshop shall not be subject to any ceiling. However, pursuant to a decision of the Supreme Court (case of Medel, et al vs Court of Appeals, GR No. 131622 dated 27 November 1998) the interest rate shall not be iniquitous, unconscionable, or contrary to morals, if not against the law as may be determined by the Court. No pawnshop shall collect interest on loans in advance for a period of more than one (1) year.

(Circular No. 656 dated 02 June 2009)

Rate of interest in the absence of stipulation. The rate of interest for a loan or forbearance of money in the absence of an expressed contract as to such rate of interest, shall be twelve percent (12%) per annum.

(Circular No. 656 dated 02 June 2009)

Other charges. In addition to interest, pawnshops may impose a maximum service charge of five pesos (P5.00), but in no case to exceed one percent (1%) of the principal loan. No other charges, such as but not limited to insurance premium for the safekeeping and conservation of the pawned item, shall be collected.

Past Due Accounts; Renewal

A loan may be renewed for such amount and period as may be agreed upon between the pawnshop and the pawner, subject to the same conditions provided in this Part for new loans. No loan shall be renewed or its maturity date extended unless a new pawn ticket as defined in Sec. 4102P shall be issued indicating the new term of the loan agreed upon by the pawnshop and the pawner.

Right of pawner to redeem pawn within ninety (90) days from maturity

A pawner who fails to pay or renew his loan with a pawnshop on the date it falls due shall have ninety (90) days from the date of maturity of the loan within which to redeem the pawn by paying the principal amount of the loan plus the amount of interest that shall have accrued thereon. The amount of interest due and payable after the maturity date of the loan shall be computed upon redemption based on the sum of the principal loan and interest earned as of the date of maturity. The procedures to be followed in case the pawner fails to redeem his pawn are prescribed in Sec. 4324P.

If the maturity date of the loan or expiry date of redemption period falls on the pawnshop’s non-business day, a regular holiday or a special non-working holiday in the locality, then the maturity date of the loan or expiry date of redemption period shall be on the next business day.

If the pawnshop is closed on the maturity date of the loan or expiry of the redemption period, with or without prior notice to the pawner, then the maturity date of the loan or expiry of redemption period shall be on the next business day and the pawnshop shall not charge additional interest or surcharge to the pawner. If the pawnshop is closed due to a robbery, then the maturity date of the pledge or expiry of redemption period shall be on the next business day when the pawnshop opens for business and the pawnshop shall not charge additional interest or surcharge to the pawners.

Redemption of Pawns.

A pawnshop shall not release any pawn without first requiring the pawner to present and surrender the corresponding pawn ticket. If the pawn ticket was lost and could not be presented or surrendered, the pawnshop shall require the owner-pawner to execute and submit an affidavit of loss and shall ascertain the identity of the pawner, to ensure that the pawned item is released only to the owner-pawner.

The pawnshop shall return the pawn in the same condition when they were first pawned by pawner, upon full settlement of the loan.

(Circular No. 656 dated 02 June 2009)

Notices to the Pawner and to the Public

ON OR BEFORE THE EXPIRATION OF THE NINETY (90)-DAY GRACE PERIOD, A PAWNSHOP SHALL NOTIFY A PAWNER IN WRITING THAT THE PAWN SHALL BE SOLD OR OTHERWISE be DISPOSED OF, lN THE EVENT THE PAWNER FAILS TO REDEEM THE PAWN WITHIN THE NINETY (90)-DAY GRACE PERIOD, SPECIFYING IN THE SAME NOTIFICATION THE DATE, HOUR, AND PLACE WHERE THE SALE SHALL TAKE PLACE. The notice shall be sent through the mode of notification AGREED UPON BY THE PAWNER AND THE PAWNSHOP AS indicated AT THE BACK OF the pawn ticket at the time the loan was granted which may be through text/SMS message, electronic mail, FAX or by mail to the residential address. lf sent through text/SMS, the pawnshop shall obtain a report from the appropriate Telecommunications Company (TELCO) indicating that a text/SMS message was sent to the mobile phone number given by the pawner. The report of the TELCO shall be made available to BSP upon request.

IN CASE NO SPECIFIC MODE OF NOTIFICATION IS AGREED UPON AND INDICATED AT THE BACK OF THE PAWN TICKET, THE MODE OF NOTIFICATION SHALL BE BY ORDINARY MAIL. PAWNSHOPS SHALL EXERT REASONABLE EFFORT TO NOTIFY THE PAWNER AND PUT ON RECORD IF IT IS UNABLE TO DO SO. PAWNSHOPS SHALL MAINTAIN PROOF OF THE NOTICE TO PAWNER.

If upon the expiration of the ninety (90)-day grace period, the pawner fails to redeem his pawn, the pawnshop may sell or dispose of the pawn only after it has published a notice of public auction of unredeemed articles held as security for loans in at least two (2) newspapers circulated in the city or municipality where the pawnshop has its place of business, six (6) days prior to the date set for the public auction.

The notice shall be in English, and in either Filipino or the local dialect and shall contain the following:

Name and address of the owner of the pawnshop; and
Date, hour and place of the auction sale.

In remote areas where newspapers are neither published nor circulated, the publication requirement shall be complied with by posting notices at the city hall or municipal building of the city or municipality and in two (2) other conspicuous public places where the pawnshop has its place of business.

Terms and Conditions

The pawner hereby accepts the pawnshop’s appraisal as proper.
The pawner agrees on the interest rates imposed in this contract of pledge. In case of dispute, the regular courts of law have the vested power to determine the reasonableness and legality of interest rates. The pawnshop hereby agrees not to collect advance interest for a period of more than one (1) year.
The service charge is equivalent to one percent (1%) of the principal loan, but shall not exceed to five pesos (P5.00). No other charges shall be collected.
This loan is renewable for such amount and period as may be agreed upon between the pawnshop and the pawner subject to the same requirements for a new loan.
Upon maturity of this loan, as indicated on the face of this pawn ticket, the pawner has ninety (90) days from maturity date within which to redeem the pawn by paying the principal loan plus the interest that shall have accrued thereon.
The amount of interest due and payable after the maturity date of the load up to the redemption period shall be computed upon redemption at the rate of provided above based on the sum of principal loan and interest earned as of the date of maturity.
The pawnshop shall notify the pawner of any change in its business address/location through: (1) publication in English and in Filipino or in the local dialect in two (2) daily newspapers of general circulation in the city or municipality where the pawnshop is closing business and (2) posting in English and Filipino or in the local dialect for one (1) month after the date of publication in a conspicuous place in the premises to be vacated and to be transferred to.
The pawner and pawnshop agree that the notice of auction shall be delivered via e-mail, SMS, or ordinary mail at_______________________ (check box of agreed mode and indicate the email address, mobile phone no., or complete residential address as may be appropriate, in the space provided). In case no mode of notification is agreed upon, the default shall be via ordinary. The pawnshop shall have the right to sell or dispose of the pawn in public auction if the pawner fails to redeem the pawn within the (90) day grace period. The pawnshop shall send the reminder on or before the expiration of the ninety (90) day grace period.
The pawner shall advise the pawnshop of any change of address/mobile phone number/e-mail address.
This ticket shall be surrendered at maturity date upon payment of the loan. In case of loss or destruction of this ticket, the pawner hereby undertakes to personally present an affidavit to the pawnshop before the redemption period expires. The pawnshop has two (2) days whether to accept: (1) the affidavit in place of the original pawn ticket, or (2) to issue a substitute pawn ticket, thereby cancelling the original.
In case of pre-payment of this loan by pawner, the interest collected in advance shall accrue in full to the pawnshop.
The pawner shall not be entitled to the excess of the public auction sale price over the amount of principal, interest and service fee: neither shall the pawnshop be entitled to recover the deficiency from the pawner.
The pawner declares under the Anti-Fencing law that he is the owner of the property subject of this contract.
The pawnshop shall excercise reasonable care and caution that an ordinary prudent person would as to his own property over the thing pawned in accordance with Republic Act No. 386 (Civil Code of the Philippines) as amended. Accordingly, the pawnshop shall insure all pawned items, except those which are kept inside a fireproof vault, in accordance with the pertinent regulations of the Bangko Sentral ng Pilipinas. Claims for restitution by pawners in case of loss, destruction or defect of the pawn due to robbery, fire and other fortuitous event, with or without the fault or negligence of the pawnshop, its owner, managing partner, directors and officers are cognizable by the regular courts.
The pawnee shall not be liable for all the loss or damage of the article pawned due to fortuitous events or force mejure. When the loss is due to the fault and/or negligence of the pawnee, the amount of its liability, if any, shall be limited to the appraised value appearing on the face hereof.
In case this loan is not paid on maturity date, the pawner herby agrees to pay in addition to accrued interest, 2 percent per month of principal, as liquidated damages. For purposes of computing the amount of liquidated damages, a fraction of the original term of the loan agreed upon as indicated at the face of the pawn ticket shall be considered as one full term.
Venue of all judicial and administrative cases or proceedings with this contract shall solely and exclusively be brought before appropriate courts, departments, offices or agencies of the government situated in Parañaque City, Metro Manila.

ProtectNow Sample

Test

Pera Padala Agents

Action.Able, Inc.
Asenso Pinoy Stores
CIS Bayad Center, Inc.
CARD Bank
Card MRI Rizal Bank Inc.
Card SME Bank
Cherrypay Phillippines, Inc
CVM Pawnshop
Daniel Pawnshop
DPB
Direct Agent 5
Expresspay
Gemmary Pawnshop and Jewelry
Global Pinoy Remittance and Services (GPRS)
GPRS – Unified Products and Services, Inc.
GRJ Jaro Pawnshop Corp.
Republic Pawnshops Corporation (H Lhuillier)
LBC Express Inc.
LIPA BANK

LUCKY DRAGON PAWNSHOP
Marjam Money Changer Corp
Optimum Exchange Remit, Inc. -(All Cash)
Petnet Inc.
PisoPay.com Inc.
Raquel Pawnshop, Inc
Robinsons Bank, Inc.
SM
True Money Philippines, Inc.
USSC (Universal Storefront Services Corporation)
Vantage Financial Corp. (Ebiz)
H. Villarica Pawnshop, Inc.
Sinag Pawnshop
LOLC
Zing Unltd. Inc
Agrilife
Pitakamo

How to be a Partner

Coordinate with a CLBS SO or sign-up in this link www.cebuanalhuillier.com/peralink-retail-form/
Submit the requirements
Pay the on-boarding fee and access the website/app

Requirements

2 Valid IDs
NBI/Police Clearance/Brgy. Cert
Proof of Address
Proof of Income

Partnership Benefits

Wide range of network
Serves as an option of Cebuana clients
Easy access to Cebuana Lhuillier services

How to be a Partner

Coordinate with CLBS
Initial Meeting
Sign MNDA
Submit the requirements and signed Offer Sheet
BERF for partner code/ accounting code Integration
Access the website/app

Requirements

Certificate of Incorporation issued by Securities and Exchange Commission (SEC)
BusinessPermit, Registration Certificate
Certificate of Registration issued by BangkoSentralngPilipinas (BSP)/ Insurance Commission (IC), etc.)
Articles of Incorporation
Latest General Information Sheet
Minimum information of all authorized signatories
Latest Audited Financial Statement
Valid IDs of Directors and/or Stockholders and/or Officers/ Signatories
Secretary Certificate of Authorized
Signatories and/or Board Resolution authorizing the intent to engage in business relationship with PJLI
Money Laundering and Terrorism Financing Prevention Program (MTPP)
Manual (AML Program)
Anti-Money Laundering Council (AMLC)
Certificate of Registration
Notarized Memorandum of Agreement
Accomplished Anti-Money Laundering (AML) and Know Your Customer (KYC) Questionnaire

Partnership Benefits

Provides access to Cebuana Lhuillier services especially in remote areas

How to be a Partner

In order to be a Cebuana Lhuillier Authorized Agent client must submit all of the requirements to [email protected]. A Cebuana Lhuillier sales officer will then contact the client to proceed with the accreditation.

Client can also contact the following numbers for further inquiries:

Region	Mobile Number
National Sales Corporate Accounts	09262804838
Metro Manila	09563226904
South Luzon	09490203467
Central Luzon	08980151224
North Luzon	09175480130
Visayas	09666158322
Mindanao	09093712569

Requirements

Cebuana Lhuillier Authorized agent Application form
Photo of store Business Establishment
Photocopy of at least 2 standard Proof of Identification of the applicant.
Business Permit (All Businesses except Micro-Enterprise; for every branch enrolled)
BIR Certificate of Registration (All businesses except Micro Enterprise)
SEC Registration and Articles of Partnership/Incorporation and Bylaws (for Corporation, Partnership, Association, and Cooperative only)
DTI Registration (Small and Medium Enterprise only)
Barangay Clearance/Permit (Micro Enterprise only)

Partnership Benefits

Provides access to Cebuana Lhuillier services especially in remote areas

Be a Member

If you would like to have a 24k virtual card, you may ask assistance from our branch personnel and they will enrol you for FREE. No additional forms needed just present a valid ID upon application.
Your account information will be available online for you to access 24/7 just log in to the 24k Online Portal, using your customer ID, phone number or email that you used during your registration
If you prefer to have a physical card, fill out the application form and submit it to our branch personnel. Present a valid ID upon application.

Earn Points

TRANSACTION TYPE	24k VIRTUAL CARD	24k GOLD VIRTUAL CARD
Pawning	1 point for every PHP 30 fee paid	1 point for every PHP 25 fee paid
Domestic Remittance
Insurance
International Payout	3 points for every transaction
International Sending	5 points for every transaction
Opening of a New MicroSavings Account	2 points for every new Microsavings Account opened through any Cebuana branch
eCebuana	1 point for every applicable transaction in eCebuana app, regardless of amount but minimum of PHP500 per transaction. Applicable eCebuana transactions: Bills Pay, DomRem, Eload, Instapay, and On-us Fund Transfer

Notes:

1 point = Php 1
Points earned will be credited within 30 days from date of transaction”

For Domestic Remittance:

Pay out at the branches: 1 point for every transaction, regardless of amount

Rewards

Reward points can serve as a payment for interest or fees in any pawning and remittance transactions.
Reward points can also be converted to E-load credits.
24k card also provides you easy management of transactions through the 24k Online Portal that lets you view your previous and current transactions with Cebuana Lhuillier. The portal also allows you to inquire about our services or even transact through cellphone or the Internet.

For clients who earn a total of 110 points within the year, they are automatically elevated into a 24k Gold Card Member who enjoy additional perks and and benefits.

24k Cebuana members enjoy the following benefits:

How to Redeem Points

Visit the nearest Cebuana Lhuillier Pawnshop branch or Pera Padala stand-alone outlet and present your 24k card or 24k virtual card to our branch personnel.

Converting Your 24k Points

Converting your 24k reward points to E-load

Present your 24k card to our branch personnel.
The branch personnel will check the total number of points in your card.
Choose from Cebuana Lhuillier’s loading services. There are no limits to how much a cardholder can load per day.

Converting your 24k reward points as donations to charitable institutions

Present your 24k to our branch personnel.
The branch personnel will check the total number of points in your card.
Have at least one transaction at the branch (pawning, renewal, redemption, remittance) and make sure that the card has available points to donate to charitable institutions that have partnered with Cebuana Lhuillier.
Fill out the Pera Padala form, write the name of your recipient and, the amount that you wish to donate from your 24k reward points.

How to Buy

Cebuana Lhuillier’s insurance is available via online, our physical stores & our retail partners. You can visit one of our physical branches on online branches to purchase your insurance. Click on the store list above to choose an online store or find a branch near you.

How to claim

To claim your insurance, please send an email via [email protected] or [email protected]. You may also call us at 0968-856-5459.

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.

Some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization, so no reimbursement will be required.

For non-declaration of insurance beneficiaries, the rule under the Philippine Insurance Code will prevail.

NOTE: Only claims below P50, 000 are payable in cash. Claims above P50, 000 shall be through check payment.

How to Send Money

Visit any Cebuana Lhuillier branch and fill out the Pera Padala form.
Present the accomplished form, valid ID, and 24k card (if you are a 24k cardholder) to the branch personnel.
Give the total amount to be paid.
Secure the Pera Padala form (and count the change received, if there is any).
Provide the 10-digit control number to the receiver/beneficiary of money transfer.

NOTE: The receiver/beneficiary should provide the control number and present a valid ID when claiming the remittance.

How to claim Money

Visit any Cebuana Lhuillier Pawnshop branch and fill out the Pera Padala form.
Present the accomplished form, valid ID and 24k card (if a 24k card holder) to the branch personnel.
Count the money received.

Rates and Charges (Domestic)

Amount		PROMO RATE	NCR	NORTH LUZON	CENTRAL LUZON	SOUTH LUZON	VISAYAS	MINDANAO
Amount		(NATIONWIDE)	NCR	NORTH LUZON	CENTRAL LUZON	SOUTH LUZON	VISAYAS	MINDANAO
1	100	₱1.00	₱1.00	₱1.00	₱1.00	₱1.00	₱1.00	₱1.00
101	200	₱2.00	₱3.00	₱1.00	₱1.00	₱1.00	₱1.00	₱1.00
201	300	₱3.00	₱5.00	₱2.00	₱2.00	₱2.00	₱2.00	₱2.00
301	400	₱4.00	₱10.00	₱3.00	₱3.00	₱3.00	₱3.00	₱3.00
401	500	₱5.00	₱15.00	₱7.00	₱7.00	₱7.00	₱7.00	₱7.00
501	600	₱6.00	₱17.00	₱9.00	₱9.00	₱9.00	₱9.00	₱9.00
601	700	₱7.00	₱20.00	₱10.00	₱10.00	₱10.00	₱10.00	₱10.00
701	800	₱8.00	₱20.00	₱12.00	₱12.00	₱12.00	₱12.00	₱12.00
801	900	₱9.00	₱23.00	₱12.00	₱12.00	₱12.00	₱12.00	₱12.00
901	1000	₱10.00	₱25.00	₱15.00	₱15.00	₱15.00	₱15.00	₱15.00
1001	1500	₱15.00	₱40.00	₱20.00	₱20.00	₱20.00	₱20.00	₱20.00
1501	2000	₱20.00	₱50.00	₱30.00	₱30.00	₱30.00	₱30.00	₱30.00
2001	2500	₱25.00	₱65.00	₱40.00	₱40.00	₱40.00	₱40.00	₱40.00
2501	3000	₱30.00	₱75.00	₱50.00	₱50.00	₱50.00	₱50.00	₱50.00
3001	3500	₱35.00	₱90.00	₱60.00	₱60.00	₱60.00	₱60.00	₱60.00
3501	4000	₱40.00	₱100.00	₱70.00	₱70.00	₱70.00	₱70.00	₱70.00
4001	5000	₱50.00	₱110.00	₱90.00	₱90.00	₱90.00	₱90.00	₱90.00
5001	6000	₱60.00	₱220.00	₱114.00	₱114.00	₱114.00	₱114.00	₱114.00
6001	7000	₱70.00	₱220.00	₱118.00	₱118.00	₱118.00	₱118.00	₱118.00
7001	8000	₱80.00	₱220.00	₱125.00	₱125.00	₱125.00	₱125.00	₱125.00
8001	9500	₱95.00	₱220.00	₱125.00	₱125.00	₱125.00	₱125.00	₱125.00
9501	10000	₱100.00	₱240.00	₱140.00	₱140.00	₱140.00	₱140.00	₱140.00
10001	14000	₱140.00	₱250.00	₱260.00	₱260.00	₱260.00	₱260.00	₱260.00
14001	15000	₱150.00	₱300.00	₱310.00	₱310.00	₱310.00	₱310.00	₱310.00
15001	20000	₱200.00	₱350.00	₱360.00	₱360.00	₱360.00	₱360.00	₱360.00
20001	30000	₱300.00	₱400.00	₱410.00	₱410.00	₱410.00	₱410.00	₱410.00
30001	40000	₱400.00	₱450.00	₱460.00	₱460.00	₱460.00	₱460.00	₱460.00
40001	50000	₱500.00	₱500.00	₱510.00	₱510.00	₱510.00	₱510.00	₱510.00

Where to Remit

Cebuana Lhuillier has 3,000 branches all over the Philippines. Find the nearest one using our branch locator.

Find a Branch

Remit to Account

Domestic RTA via Direct Deposit	BPI
Domestic RTA via Direct Deposit	Metro Bank & Trust Company
Domestic RTA via InstaPay	AllBank (A Thrift Bank), Inc.
	Asia United Bank Corporation
	Bangko Mabuhay
	Bank of Commerce
	BDO Network Bank
	BDO Unibank, Inc.
	Binangonan Rural Bank
	BPI /Family Bank
	BPI Direct BanKO
	Camalig Bank, INc. (A RURAL)
	CARD Bank Inc.
	China Bank Savings, Inc.
	China Banking Corporation
	Community Rural Bank of Romblon (Romblon), Inc.
	CTBC Bank (Philippines) Corporation
	Development Bank of the Philis
	Dumaguete City Development Bank, Inc
	Dungganon Bank (A Microfinance Rural Bank), Inc.
	East West Banking Corporation
	East West Rural Bank, Inc.
	Equicom Savings Bank, Inc.
	o ING Bank N.V.
	ISLA Bank
	Land Bank of The Philippines
	Legazpi Savings Bank, Inc.
	Malayan Bank
	Maybank Philippines, Inc.
	Metrobank Bank & Trust Company
	Mindanao Consolidad Cooperative Bank
	Partner Rural Bank (Cotabato)
	PayMaya Philippines
	Philippine Bank of Communications
	Philippine Business Bank
	Philippine National Bank
	Philippine Savings Bank
	Philippine Trust Company
	Philippines Veterans Bank
	Producers Savings Bank Corporation
	Queen City Development Bank, Inc
	Quezon Capital Rural Bank, inc.
	Rizal Commercial Banking Corporation
	Robinsons Bank Corporation
	Rural Bank of Guinobatan, Inc.
	Seabank Philippines, Inc.
	Security Bank Corporation
	STANDARD CHARTERED BANK
	Sterling Bank of Asia, Inc.
	Sun Savings Bank, Inc.
	UCPB Savings Bank
	Union Bank of the Philippines
	United Coconut Planters Bank
	Wealth Development Bank Corporation
Domestic RTA via Micro Savings	Cebuana Lhuillier Rural Bank, Inc.

Transaction Type	Service Fee per Transaction	Maximum amount per Transaction
Metrobank	₱100.00	₱50,000.00
BPI	₱90.00	₱50,000.00
Cebuana Lhuillier Micro Savings	₱70.00	₱50,000.00

G-Xchange, Inc.
ING Bank N.V.
Isla Bank (A Thrift Bank), Inc.
Land Bank of The Philippines
Malayan Bank Savings and Mortgage
Maybank Philippines, Inc.
Metropolitan Bank and Trust Company
Omnipay, Inc
PNB Savings Bank
Partner Rural Bank (Cotabato), Inc.
PayMaya Philippines, Inc.
Philippine Bank of Communications
Philippine Business Bank, Inc., A Savings Bank
Philippine National Bank
Philippine Savings Bank
Philippine Trust Company

Philippine Veterans Bank
Quezon Capital Rural Bank, Inc.
Rizal Commercial Banking Corporation
Robinsons Bank Corporation
Rural Bank of Guinobatan, Inc.
Security Bank Corporation
Sterling Bank of Asia, Inc.
Sun Savings Bank, Inc.
UCPB Savings Bank, Inc.
Union Bank of the Philippines
United Coconut Planters Bank
Wealth Development Bank Corporation

METROPOLITAN BANK & TRUST COMPANY (METROBANK)
BDO UNIBANK INC. (BDO, BDO UNIBANK, BANCO DE ORO, BANCO DE ORO UNIBANK, BDO BANCO DE ORO)
CHINA BANKING CORPORATION (CHINA BANK)
BANK OF THE PHILIPPINE ISLANDS (BPI)
ASIA UNITED BANK CORPORATION
RIZAL COMMERCIAL BANKING CORPORATION (RCBC)
BANK OF COMMERCE
PHILIPPINE NATIONAL BANK (PNB)
CEBUANA LHUILLIER RURAL BANK INC.
LAND BANK OF THE PHILIPPINES
DEVELOPMENT BANK OF THE PHILIPPINES

REMITLY INC.
PAYPAL PTE LTD/XOOM
QUIKZ US (PANGEA USA, LLC)
PINOY EXPRESS FOREIGN EXCHANGE
OMNEX GROUP (SHARE MONEY AND UNO MONEY TRANSFERS)
RUSTANS, LLC
CANLAS CORPORATION DBA CANLAS EXPRESS
VIAMERICAS CORPORATION
RJCL CORPORATION DBA RNV FOREX
ROXE INC.
KWIK DOLLAR LLC DBA DINEX AND ENVIOS.COM
FAMILY EXPRESS CANADA., LTD.
FILERMIT CORP.
ATIN ITO VARIETY BAKERY AND REMITTANCE LTD
RELIABLE PESOREMIT (PHILS.), INC.

Europe, Middle East, and Africa Partners

NEW YORK BAY PHILIPPINES INC.
AL ANSARI EXCHANGE LLC
INSTANT CASH FZE
THE NATIONAL BANK OF RAS AL KHAIMAH (P.S.C) – PUBLIC JOINT STOCK COMPANY
OPTIMUM EXCHANGE REMIT INC
UREMIT INTERNATIONAL CORPORATION
AL FUAD EXCHANGE
DIRECT REMIT LIMITED
AL GHURAIR EXCHANGE
LARI EXCHANGE
AL FARDAN EXCHANGE
WORLDWIDE CASH EXPRESS LIMITED
INDEX EXCHANGE
AL MUQREN EXCHANGE
LULU-PHILS INTL EXCHANGE INC
SEND EXCHANGE EST.

BFC BANK LIMITED (FORMERLY EZREMIT LTD.)
BANK ALBILAD
UNILINK EXPRESS PAYMENT PHILS. INC
MFO INTEL EXPRESS GEORGIA LTD
SMALL WORLD FINANCIAL SERVICES GROUP LTD
MASARI PAYMENT SERVICES LTD
AFTAB CURRENCY EXCHANGE LIMITED
CONNECT PLUS BUSINESS LIMITED
CROSSPAY LTD.
DAYTONA CAPITAL MANAGEMENT LTD
WORLDCOM INTERNATIONAL COMMUNICATION LTD. (WIC)
REWIRE (O.S.G.) RESEARCH AND DEVELOPMENT LTD.
GMT ADVANCED FINANCIAL SERVICES
I TRANSFER GLOBAL PAYMENTS EP, S.A.U.

MONEY & COM SA
WALL STREET EXCHANGE COMPANY
SPEED REMIT WORLDWIDE LIMITED
TEMPO MONEY TRANSFER
QIWI BANK (JOINT-STOCK COMPANY)

JAPAN REMIT FINANCE CO. LTD.
CITY EXPRESS MONEY TRANSFER CO. LTD.
UNIDOS CO., LTD.
KABAYAN REMITTANCE PTE LTD
BKK FOREX PTE. LTD.
RIGHT CHOICE PAYMENTS PTE LTD (FORMERLY BRUNPHIL EXPRESS S PTE LTD
DIGITEL CO. LTD.
JAPAN REMIT FINANCE CO. LTD.
CITY EXPRESS MONEY TRANSFER CO. LTD.
UNIDOS CO., LTD.

KABAYAN REMITTANCE PTE LTD
BKK FOREX PTE. LTD.
RIGHT CHOICE PAYMENTS PTE LTD (FORMERLY BRUNPHIL EXPRESS S PTE LTD
FINSHOT
KEB HANA BANK
GLOBAL MONEY EXPRESS
WING (CAMBODIA) LIMITED SPECIALISED BANK
PINOY EXPRESS HATID PADALA SERVICES, INC.
FOREX WORLD PTY LTD
BM EXPRESS INTL. SERVICES PTY LTD
OURYES CORPORATION

Greetings, Ka-Cebuana

DEBIT CARD TERMS AND CONDITIONS

MANUAL OF REGULATIONS FOR NON-BANK FINANCIAL INSTITUTIONS – PAWNSHOPS

CORPORATE AGENT PARTNERS

OVER 600 BILLER PARTNERS NATIONWIDE

OVER 600 BILLER PARTNERS NATIONWIDE

List of Accepted Government/ Valid IDs

IDs Accepted