1. DEFINITION OF TERMS
As used herein, the following terms shall have the corresponding meaning:
"24k VIRTUAL CARD" - refers to the Membership Card issued by PJ Lhuillier, Inc.
(Cebuana Lhuillier) as part of its Rewards Card Program for its clients.
“24k ONLINE PORTAL” - refers to the web and mobile responsive portal
of Cebuana Lhuillier.
"CARD HOLDER" - refers to a person issued with a 24k Virtual Card.
"ISSUER"- P.J. Lhuillier, Inc. (Cebuana Lhuillier)
“SERVICES” - all the services provided by PJ Lhuillier, Inc. via 24k
Online Portal’s card holder, and "Service" means any one of them.
“REGISTER/REGISTRATION” - to create an account on the 24k Online Portal.
2. THE CEBUANA LHUILLIER 24k CARD ("24k CARD")
The 24k Virtual Card is the sole property of PJ Lhuillier Inc (Cebuana Lhuillier).
The privileges of the 24k Virtual Card may be revoked, terminated, withheld or suspended
by the issuer at any time and for whatever reason or cause without need of prior
notice to the Cardholder. The Cardholder agrees to hold the issuer free and harmless
from any claim for damages arising from such termination, withholding or suspension.
3. RESPONSIBILITY OF CARD HOLDER
The Cardholder shall be liable for all transactions made through the use of the
24k Virtual Card.
4. MEMBERSHIP
All Cebuana Lhuillier clients can apply for the 24k Virtual Card. Existing 24k Cardholders
have the option to also apply for the 24k Virtual Card.
5. TERMS OF USE
By using this website (“24k Online Portal”), you agree to be bound by
these Terms and Conditions of Use. We reserve the right to amend these terms and
conditions at any time. If you disagree with any of these Terms and Conditions of
Use, you must immediately discontinue your access to 24k Online Portal and your
use of its services. Continued use of 24k Online Portal will mean that you accept
these Terms and Conditions of Use, and you accept the likelihood of its amendment
from time to time.
6. APPLICABILITY OF TERMS AND CONDITIONS
The use of any Services and/or the 24k Online Portal is subject to these Terms and
Conditions of Use. 24k Online Portal can be accessed through a desktop, PC, or mobile
device using a web browser. User must register to utilize the 24k Online Portal.
24k Online Portal will be made available to card holders with no fee, unless otherwise
determined by the issuer.
The 24k Online Portal is completely customer self-service where card holder shall
enter/provide the 24k card number and preferred password. The issuer recommends
the use of a strong but easy to remember log in details.
24k Online Portal processes financial and non-financial transactions such as: View
and Transfer Points, Domestic and International Partner Search, Domestic Remittance
Tracking, Branch Locator, Buy e-Load Using Points, Appraisal Calculator, Online
Appointment, Buy Insurance Using Points, Change Password, and View Personal Information
We reserve the right to change, modify, substitute, suspend or remove without notice
any information or Services on the 24k Online Portal from time to time. Your access
to the 24k Online Portal and/or the Services may also be occasionally restricted
to allow for repairs, maintenance or introduction of new facilities and or services.
We will attempt to restore such access as soon as we reasonably can.
We reserve the right to block access and or edit or remove any material which in
our reasonable opinion may give rise to a breach of these Terms and Conditions of
Use.
Cardholder has full responsibility over the security of his/her PC, Mobile Device/s,
SIM card and confidentiality of his/her User ID and password/s and all transactions,
whether valid or fraudulent, authorized or unauthorized, made through said PC, Mobile
Device/s/SIM card and via 24k Online Portal, if such fraudulent or unauthorized
transaction was caused by or is a result of the User's fault or negligence. The
issuer encourages the cardholder to change password regularly, especially when account
details have been exposed.
It is cardholder's sole responsibility to change the password through 24k Online
Portal if its confidentially has been reasonably suspected to have been compromised
to avoid any unauthorized use of the cardholder's account. The issuer shall not
be liable for any unauthorized use / misuse of the 24k Online Portal due to theft
or loss of the PC, Mobile Device/SIM.
7. HOW TO EARN AND REDEEM REWARDS POINTS
There are four ways that the card holder can earn reward points:
1) Pawning Transactions (sangla, tubos, at tubo) - monthly interest and liquidated
damages paid by the pawner will earn a corresponding number of reward points.
2) Domestic Sending Money Remittance Transactions - remittance service fee paid
by the sender will earn a corresponding number of reward points.
3) International Remittance Transactions - every international sending transaction
will earn five (5) points and three (3) points for every international payout transaction.
4) ACP Gold Transactions - every Certificate of Cover (COC) purchased will earn
one (1) point.
- To redeem and use the reward points, a Card Holder should have a minimum of twenty
(20) stored points. Php1.00 is equivalent to 1 point
- If no error is reported by a Card Holder within 7 days from the last transaction,
Reward Points reflected on the receipt shall be deemed correct
- Fraud and abuse relating to earning and transfer of points in the rewards program
may result to forfeiture of accumulated points as well as the cancellation of a
Card Holder's 24k Card.
- Rewards Points will not be offered for cancelled transactions or any transactions
subsequently reversed or refunded in whole or in part.
- The issuer reserves the right to change the Rewards Points earning rate. The issuer
also reserves the right to restrict or limit the number of Rewards Points earned
on each transaction in connection with special program, facilities and promotional
activities.
8. PARTICIPATING PERSON
Only Card Holders of the 24k Card and 24k Virtual Card are eligible to participate
in the Rewards Program.
9. PRIVILEGES
- The cardholder will be entitled to discount on transaction fees and certain privileges
in selected merchants and partner establishments.
- The cardholder is also entitled to special service offerings and other exciting
freebies.
10. ACCOUNT REGISTRATION TIERS
The account registration is divided into 2 tiers. Each tier will unlock certain
access and services in the 24k Online Portal.
|
Tier
|
Details to be gathered
|
Stage
|
Allowed transactions
|
|
1
|
First Name
|
Registration
|
Appraisal Calculator
|
|
Middle Name
|
Domestic and International Partner Search
|
|
Last Name
|
|
Mobile Number
|
Renewal Redemption Calculator
|
|
Branch Locator
|
|
2
|
Present Address
|
Activation of points and other service and Financial Services
|
Earning of 24k Points
|
|
Email Address
|
Activation of 24k Virtual Cards
|
|
Date of Birth
|
Domestic Remittance Tracking
|
|
Place of Birth
|
Online Appointment
|
|
Gender
|
Buy e-load using points
|
|
Nationality
|
Buy Insurance using Points
|
|
Source of funds
|
Transfer of Points
|
|
ID Submission
|
Receiving of Points
|
|
- ID Type
|
Other financial use of points
|
|
- ID Number
|
|
- ID Photo
|
|
- Selfie with ID
|
11. EXPIRY OF REWARD POINTS
If a 24k Virtual Card is dormant for one (1) year, the stored Reward Points shall
be forfeited.
12. ACCREDITTED ESTABLISHMENT
The Issuer shall be honoured at all accredited merchants. However, the Issuer shall
not be liable to the Cardholder, if for any reason, the Merchant does not honor
the 24k Virtual Card. The Cardholder agrees to hold the Issuer free and harmless
from any and all claims for damages resulting from acceptance or non-acceptance
by an accredited merchant.
13. TERMINATION
In the event the Cardholder (i) fails to comply with any of the terms and conditions
governing the use of the 24k Virtual Card, or (ii) for any reason, the Cardholder
dies, the right to use the 24k Virtual Card shall forthwith be terminated, without
the necessity of demand, which the Cardholder hereby waives.
14. LIMITATION OF LIABILITY
In the event of any action which a Card Holder may file against the Issuer for any
cause whatsoever, the Card Holder agrees that the Issuer has no liability. If any,
it shall not exceed the amount of One Thousand Pesos (Php1, 000.00) or the damages
actually proven to have been suffered by the Card Holder, whichever is lesser.
15. PROMOS
The Card Holder hereby authorizes Issuer and its affiliates to offer participation
to promotional offers, advertisements, surveys or other similar programs by
communicating in any means of communication.
16. AMENDMENTS
Issuer may, with or without prior notice, at any time and for whatsoever reason
it may deem proper, amend, revise or modify the terms and conditions hereof, and
any such amendment shall bind the Card Holder.
17. NON-WAIVER OF RIGHTS
No failure or delay on the part of the Issuer in exercising any right or power hereunder
shall operate as a waiver thereof nor shall any partial or single exercise of any
such right or power preclude any other right or power there under. No waiver by
Issuer of any of its or powers herein shall be deemed to have been made unless expressed
in writing and signed by its duly authorized representative(s).
18. ASSIGNMENT/TRANSFER OF RIGHTS
All rights and interests of the Issuer under this Agreement may be assigned or transferred
by the Issuer without the consent of the Card Holder, his/her supplementary or surety(ies),
if any.
19. COMPLIANCE
The Cardholder agrees to fully comply and abide by the terms and conditions governing
the use of the card, laws, statuses and regulations and other access devices in
commercial transactions.
20. BINDING EFFECT
The terms and conditions provided herein, all bind the parties, their heirs, executors
and administrators, as well as their successors and assigns. The Cardholder confirms
to have read and understood the Terms and Conditions herein by agreeing on the 24K
Virtual Card.