Introduction
Welcome to Cebuana Lhuillier’s Subscription Service (“Service”). By enrolling in this Service, you agree to be bound by these Terms and Conditions. This offer is available exclusively to customers who wish to enjoy special privileges for a one-time fee. Please read these Terms and Conditions carefully before subscribing.
Definition of Terms
Cebuana Subscription Service – refers to the Cebuana Lhuillier program that grants subscribers exclusive perks and benefits for a fixed period of four (4) months, in exchange for a subscription fee of Forty-Nine Pesos (₱49.00).
Offer Period – the limited timeframe during which customers may avail of the Cebuana Subscription Service.
Subscription Period – the four (4) consecutive months of validity of the Cebuana Subscription, counted from the date of successful enrollment.
Subscriber – a customer who has paid the required subscription fee during the Offer Period and is officially registered under the Cebuana Subscription Service.
Pawn Value – refers to the total loan amount of the pawned item.
Force Majeure – refers to unforeseeable events or circumstances beyond Cebuana Lhuillier’s control such as natural disasters, government declarations, or disruptions in operations that may affect the availment of benefits under the Cebuana Subscription Service.
Home Branch – designated Cebuana Lhuillier branch where the customer engaged in a pawn transaction which shall exclusively handle the availment of the Pawn Renewal Grace Period benefit.
Rewards Points – Refers to the loyalty points earned by a member through eligible transactions, promotions, or benefits offered under the 24k Rewards Program. Rewards Points may be earned, accumulated, redeemed, or otherwise used in accordance with the applicable 24k Rewards Program Terms and Conditions and specific promotional mechanics.
Cebuana Subscription Service Program
The Cebuana Subscription Service is a program offering exclusive benefits to Subscribers (“Subscription Benefits”) for a fixed period of four (4) months which shall begin from the date of enrollment (“Subscription Period”). The subscription is available for a fee of Forty-Nine Pesos (₱49.00) (“Subscription Fee”).
Benefits of Subscription
A. 5-Day Grace Period for Pawn Renewal for single pawn ticket for a customer
Subscribers are entitled to a one-time grace period of five (5) calendar days for items with Pawn Value of Eighteen Thousand Pesos (₱18,000.00) or below. This grace period begins immediately after the latest due date, during which the Subscriber may renew or redeem the item without incurring additional penalty charges. However, the original due date shall still be considered the official due date for all legal and procedural purposes. It will not be extended even if the branch is closed due to holidays, declared non-business days, or events of Force Majeure. Transactions completed on the next business day following the grace period will be subject to standard renewal or redemption rates and any applicable fees.
This privilege may be availed only at the Subscriber’s Home Branch and is not accessible through Cebuana Renewal Anywhere.
Only the Subscriber is entitled to avail of this benefit. The processing of renewal or redemption under this provision by authorized representatives or third parties shall not be permitted.
After the grace period, applicable fees and auction procedures, as set forth in the Pawnshop Regulation Act (Presidential Decree No. 114) and BSP regulations, will apply.
B. One (1) Free Domestic Remittance Sending
Subscribers are entitled to one (1) free domestic remittance sending per calendar month during the Subscription period, applicable to their first domestic remittance transaction within the month, with a maximum value of Fifty Thousand Pesos (₱50,000). This benefit is available at any authorized Cebuana Lhuillier branch (https://cebuanalhuillier.com/branch-locator/) and shall not be carried over to the subsequent months for the duration of the Subscription Period. The transaction must be initiated by the registered Subscriber and is non-transferable, non-convertible to cash, and subject to identity verification and compliance with AML/KYC regulations. If the amount exceeds ₱50,000, standard transaction fees will apply to the full amount.
Cebuana Lhuillier reserves the right to withhold redemption in situations where eligibility requirements are not met, or program guidelines are not followed.
C. Entry into a Subscriber-exclusive raffle
Existing Subscribers are enrolled by virtue of their subscription in exclusive raffle held during the Subscription Period, with entry strictly limited to pain Subscribers. Each Subscriber is entitled to a number/s of raffle entry/ies, subject to the official mechanics and applicable laws and regulations. Raffle entries are strictly non-transferable and cannot be converted to cash or exchanged for any other benefit.
D. Access to exclusive partner discounts on products and services
Subscribers will gain access to exclusive partner discounts on select products and services throughout the Subscription Period. These discounts are offered in partnership with accredited merchants and may vary in availability, terms, and coverage. Offers are non-transferable, subject to change without prior notice, and cannot be converted to cash or combined with other promotions unless otherwise stated by the partner.
E. Free Parcel Insurance Coverage
Subscribers are entitled to free parcel insurance coverage for up to three (3) parcels during the Subscription Period, with coverage of up to Five Thousand Pesos (₱5,000) per parcel and a maximum aggregate coverage of Fifteen Thousand Pesos (₱15,000). Coverage is automatically activated upon successful subscription and remains valid for four (4) months without the need for separate registration.
The insurance covers loss or damage to general consumer goods shipped through accredited e-commerce and delivery platforms, including but not limited to Shopee, Lazada, Grab, and similar providers, while in the course of inland transit. Covered items include apparel, cosmetics, gadgets, health and beauty products, small appliances, and other non-perishable retail merchandise. Excluded from coverage are food and perishable items, live animals or living organisms, illegal drugs and prohibited items, hazardous materials, counterfeit or illegal goods, cash, jewelry, and other restricted or high-value cargo.
To file a claim, the Subscriber must submit a claim request within thirty (30) days from the date of parcel delivery by emailing [email protected]. Required supporting documents include: (a) photos of the damaged merchandise, (b) one (1) valid government-issued ID, and (c) invoice or proof of transaction. Approved claims shall be released via e-wallet or bank deposit within five (5) working days upon completion and verification of all requirements. Claims that fail to meet the eligibility criteria or documentary requirements shall be denied accordingly.It is expressly understood that Cebuana Lhuillier is not the insurer of the free parcel insurance. All insurance services are provided by a third-party licensed insurance company, and Cebuana Lhuillier assumes no responsibility for the underwriting or processing of claims.
F. Bills Payment Convenience Fee Benefit
Subscribers shall be entitled to earn Rewards Points equivalent to the convenience fee paid for the Subscriber’s first eligible Bills Payment transaction in each calendar month during the Subscription Period. The applicable convenience fee shall be collected at the time of the transaction and shall thereafter be credited back to the Subscriber in the form of Rewards Points, based on the Subscriber’s special conversion rate of One (1) Rewards Point for every One Peso (₱1.00) of convenience fee paid, subject to a maximum limit of Fifteen (15) Rewards Points per Subscriber per calendar month. Only up to Fifteen Pesos (₱15.00) of the convenience fee paid for the first eligible Bills Payment on said transaction in a calendar month shall be converted into Rewards Points. Any amount in excess of Fifteen Pesos (₱15.00), or any convenience fee paid for subsequent Bills Payment transactions within the same calendar month, shall not earn Rewards Points.
This benefit may be availed of once per calendar month during the Subscription Period and shall apply only to the Subscriber’s first eligible Bills Payment transaction in each applicable calendar month valid for four (4) months. Any succeeding Bills Payment transactions made within the same calendar month shall no longer qualify for this benefit. Cebuana Lhuillier reserves the right to determine and verify the Subscriber’s eligibility and qualifying transaction prior to the crediting of the corresponding Rewards Points.
The Bills Payment Convenience Fee Benefit shall not apply to Bills Payment transactions subject to a Service Fee (SF), which is paid by the partner biller, or such other billers or payment categories as may be designated by Cebuana Lhuillier from time to time, notwithstanding that such transactions may be available under the Bills Payment facility. Cebuana Lhuillier reserves the right to update, amend, or supplement the excluded list from time to time to reflect operational, regulatory, or business requirements. Cebuana Lhuillier shall have the sole discretion to determine the eligibility and classification of billers and transactions for purposes of this benefit.
Cancellation and Refund Policy
The Subscriber agrees that all subscriptions to the Service are final and non-cancellable. The Subscription Fee is non-refundable, whether in full or in part, regardless of the Subscriber’s actual use of the Subscription Benefits or voluntary termination of these Terms and Conditions. Exceptions to this policy shall only apply in cases where a refund is required by applicable laws, or regulations, or in instances of Cebuana Lhuillier’s proven fault or breach of these Terms and Conditions.
Cebuana Lhuillier reserves the right to assess requests for refund based on the facts presented, these Terms and Conditions and applicable laws or regulations.
Disclaimer of Warranty
The Service is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. Cebuana Lhuillier does not guarantee the accuracy, reliability, or uninterrupted availability of the Service or content. Cebuana Lhuillier disclaims all warranties, including those of merchantability, fitness for a particular purpose, and non-infringement, except where such disclaimers are not allowed under applicable law. Use of the Service is at the Subscriber’s sole risk.
Limitation of Liability
To the extent allowed by law, Cebuana Lhuillier and its officers, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages arising from the Subscriber’s use of the Service, even if advised of the possibility of such damages. If liability is found, it shall be limited to the total amount paid for the subscription. This limitation may not apply where prohibited by law.
Termination of Subscription
Cebuana Lhuillier reserves the right to terminate or suspend the Subscriber’s subscription at any time, without prior notice or liability, at its sole discretion, including but not limited to cases of fraud, misuse, or breach of these Terms and Conditions. If the Subscriber wishes to end the subscription, the Subscriber may do so by simply discontinuing use of the Service; however, no refunds will be issued for early termination. Provisions of these Terms and Conditions that by their nature should survive termination—such as those related to disclaimers, limitations of liability, and indemnity—shall remain in effect.
Governing Law
These Terms and Conditions shall be governed and construed in accordance with Philippine laws, which governing law applies to agreement without regard to any conflict of law principles.
Cebuana Lhuillier’s failure to enforce any right or provision of these Terms and Conditions shall not be considered a waiver of those rights. If any provision of these Terms and Conditions is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in full force and effect. These Terms and Conditions constitute the entire agreement between Cebuana Lhuillier and the Subscriber regarding the Service and supersede and replace any prior agreements relating to the Service.
Amendments to Terms
Cebuana Lhuillier, 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 Subscriber upon notice (personal or by publication, through posting on the company’s website, https://cebuanalhuillier.com/. If the Subscriber does not agree with the new/revised Terms and Conditions, the Subscriber must notify the Cebuana Lhuillier to terminate the subscription within sixty (60) days from receipt of the individual notice or sixty (60) days from issuance of public notice; provided, however, that the right to terminate shall not be available if the amendment, revision or modification does not apply to existing Subscribers. Failure to notify Cebuana Lhuillier within the prescribed period shall be construed as acceptance by the Subscriberof any such amendments, revisions or modifications.
Client Support
For any issues, concerns, clarifications, complaints or inquiries, the Subscriber may contact Cebuana Lhuillier through Cebuana CARES Hotlines via the following:
For privacy-related concerns, you may contact:
PRIVACY POLICY
PJ Lhuillier, Inc., the company behind Cebuana Lhuillier, is committed to respecting and protecting your data privacy rights as a data subject in accordance with RA 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations,related issuances of the National Privacy Commission (NPC) and other applicable laws of the Republic of the Philippines
By availing of this paid subscription, the Subscriber consents to the collection, use and processing of their personal data, in accordance with the Company’s Privacy Notice available at https://www.cebuanalhuillier.com/privacy-policy.
Why do we process your personal information (PI)?
We process PI for the following reasons:
Data Sharing
We may also share your PI with:
Such data sharing shall be done in a manner compliant with the Data Privacy Act of 2012. Your PI may also be processed electronically and/or manually.
What information do we process?
To process general inquiries or concerns about the products and services we offer:
To process your transactions covered by RA 9160, Anti-Money Laundering Law Act of 2001, as amended:
As part of due diligence, we may collect information about religious affiliation in the event the date of birth cannot be provided (due to religious beliefs) as this is required information under the law.
Security Measures
We employ a combination of organizational, contractual, physical, procedural and technical security measures to secure your PI that we process. Access to your PI is limited to authorized personnel only. We will retain your PI for a minimum of ten (10) years in order to comply with applicable laws and regulatory requirements, and to address any legitimate business, legal, or operational needs.
Access, Correction and Erasure/Blocking
You have the right to request a copy of your PI that we keep as well as request the correction of any inaccurate data.
You also have the right to request the suspension, withdrawal, blocking, removal, or destruction of your personal information from our systems if the data is unlawfully obtained, unauthorized purpose, or no longer necessary for the purpose. However, please note that we may retain certain personal data as required to comply with applicable laws and regulations set by other regulatory authorities.
Consent
You have the right to object or withhold consent to the processing of your PI. However, if you choose not to provide us with the required PI, we may be unable to provide you with the service requested or provide appropriate advice or service.
Limitation on Rights
The foregoing rights with respect to your PI shall not apply to the processing of personal data gathered for the purpose of investigations in relation to any criminal, administrative or tax liabilities that you may have, provided that we will process the same only to the minimum extent necessary to achieve the purpose of said investigations.
If you want to know more about RA 10173
Please visit the website of the National Privacy Commission (https://privacy.gov.ph)
Acceptance of Terms
By subscribing to and using the paid subscription service, you, the Subscriber, acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.
Original Effective Date: 01 October 2025 | Last Updated: 26 August 2026
