Terms of Use

Effective date: April 27, 2022

PayMongo Payments Inc. 

Welcome to PayMongo Payments! Please read these Terms of Use (Terms) prior to completing the registration for a virtual account with PayMongo. The following Terms shall govern the terms under which you may access and use your virtual account on the PayMongo website and the services associated with it (together, “PayMongo Services.”) By registering to PayMongo or using your PayMongo virtual account, you accept and agree to be legally bound by these Terms.

Please also read our Privacy Policy and Acceptable Use Policy before you use any portion of the PayMongo Service. The Privacy Policy describes how your personal data is collected and processed when you use the PayMongo Service. The Acceptable Use Policy defines the set of rules that you should comply with when using your virtual account. If you do not understand or do not wish to be bound by the Terms and/or Privacy Policy, you should not access or use any portion of the PayMongo Service.

The Terms shall be effective, valid and binding from the time you agreed to it and will exist up to the time that it is terminated by you or us, save for those provisions that will remain effective after termination as stated in the Terms, laws or regulations.

PayMongo reserves the right to modify these Terms at any time without any advance notice. Any changes to these Terms will be effective immediately upon posting on this page, with an updated effective date. By accessing or using the PayMongo Service after any changes have been made, you signify your agreement on a prospective basis to the modified TOU and all the changes. Be sure to turn to this page periodically to ensure familiarity with most current version of the Terms.

Any version of these Terms in a language other than English is provided for convenience and you understand and agree that the English language version will control if there is any conflict.

Under these Terms, the terms “PayMongo”, “we”, “us”, and “our” refer to PayMongo Payments, Inc. together with its employees, directors, affiliates, successor and assigns. PayMongo Payments is duly registered with and licensed by the Bangko Sentral ng Pilipinas (BSP).

1. Basic Terms

1.1 If you are a business owner, you represent that you are at least eighteen (18) years of age or above.

1.2 If you are signing on behalf of a business entity, you also represent that you are duly authorized to do business and your employees, officers, representative and other agents accessing or using the PayMongo Service are duly authorized to access and use the PayMongo Service and to legally bind you to these Terms and all transactions conducted under your PayMongo account.

2. Registration for PayMongo Virtual Account

2.1 When you accept these Terms, you are setting up your PayMongo Virtual Account that is associated with your PayMongo Merchant Account. You will be asked to provide information such as your complete name, present and/or permanent address, date of birth, nationality, source of funds, photo of yourself and signature in accordance with the Know-Your-Customer (“KYC”) requirements of the BSP. We may verify your registration information through a third-party verification vendor, as we may deem necessary. In some cases, we may ask you to provide additional details or information that can aid in verifying your identity.

2.2 You agree to provide all necessary information and render all reasonable assistance and cooperation that we may require in order to complete the verification. The information you provide will be used to determine if you are eligible to begin and/or continue to use your PayMongo Virtual Account. We reserve the right to close, suspend or limit your access to your PayMongo Virtual Account in the event that we are unable to obtain or verify our information. All collection and use of your personal data by us is subject to the Privacy Policy of PayMongo. 

2.3 You are responsible for providing accurate registration information and for keeping your registration information up to date, or notifying us in the event of changes. In addition, as certain PayMongo Services may become available or be offered only on selective basis or promotional basis, supplementary information may be required from your end in order to enable the relevant PayMongo Services or open a PayMongo Virtual Account.

3. Definitions

Definitions appearing in these Terms shall have the meanings ascribed to them below.

PAYMONGO E-MONEY shall refer to a form of electronic money which allows customers who registered to PayMongo Service to easily and conveniently send and receive their payouts as well as transfer to other bank accounts or e-wallets.

“PayMongo Service” shall refer to the PayMongo Services available on the PayMongo website, where the PayMongo merchant can avail of the PayMongo Service or make use of the PayMongo Virtual Account.

“PayMongo Virtual Account” shall refer to the e-money instrument that stores Philippine Peso (Php) value which resides in the PayMongo system. It is an account that is linked to the user’s PayMongo Merchant account. Functionalities include, but are not limited to, receiving merchant payouts, transfer of funds, and balance inquiry.

“PayMongo Virtual Account Holder” shall refer to a business owner or registered business entity who registers for a PayMongo Virtual Account in order to receive his or her payouts from using PayMongo’s payment facilitation services.

“Know Your Customer” or “KYC” shall refer to the process of establishing the identity of a business owner or registered business entity applying for the opening of a PayMongo Virtual Account, as required by the BSP, also known as Customer Verification.

4. PayMongo Virtual Account

The PayMongo Virtual Account is a reloadable e-money instrument. It is not a deposit account, and not covered by the Philippine Deposit Insurance Corporation (PDIC). It does not earn interest. However, it is subject to the rules and regulations of the BSP, the Anti Money Laundering Act (AMLA), as amended and the Data Privacy Act of 2012 and its Implementing Rules and Regulations. The value loaded in your PayMongo Virtual Account may be used to transfer money to other bank or e-wallet accounts.

5. Transaction and Wallet Limit

Transaction and Virtual Account balance limits may be assigned or changed by PayMongo at its option pursuant to applicable laws, subject to fifteen (15) days prior notice to the PayMongo Customers.

6. Fees, Rates and Other Charges

The PayMongo Virtual Account Holder Customer agrees to pay other fees and charges related to his/ her transfers out of the PayMongo Virtual Account, as may be applicable. The said transfers shall be inclusive of all applicable Philippine taxes and shall be debited from the PayMongo Virtual Account or paid up front.

Charging of dormancy maintenance fees shall apply to PayMongo Virtual Accounts that have not been used for any monetary transaction for at least six (6) months from the last date of transaction.

7. Transaction History

The transaction history of the PayMongo Virtual Account Holder is accessible to the holder by logging into his or her PayMongo Merchant Dashboard, via the PayMongo website. The PayMongo Virtual Account Holder may also download and print the said transaction history from the same Dashboard.

8. Disputes and Erroneous Transactions

The entries in the PayMongo Virtual Account transaction history are presumed true and correct unless the PayMongo Virtual Account Holder notifies PayMongo Payments, Inc. 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 and the entries in the Account/ Transaction History on the Dashboard are considered conclusively true and correct.

Disputed transactions shall only be credited back to PayMongo Virtual Account Holder’s balance once the claim/ dispute has been properly processed, investigated, and proven to be in favor of the PayMongo Virtual Account Holder.

9. Limits on Liability

PayMongo makes no warranty, express or implied, regarding the PayMongo Service.

The PayMongo Service is offered on an “AS IS”, “AS AVAILABLE” basis without warranties of any kind, other than warranties that are incapable of exclusion, waiver or limitation under the laws applicable to this Agreement. Without limiting the generality of the foregoing, PayMongo makes no warranty: (1) as to the content, quality or accuracy of data or information provided by PayMongo hereunder or received or transmitted using the PayMongo Services; (2) that the PayMongo Services will be uninterrupted or error-free; or (4) that any particular result or information will be obtained.

PayMongo shall not be liable for any loss, cost, compensation, damage or liability to you or third party arising from, directly or indirectly, or as a result of any or all of the following:

1. Refusal of any bank, financial institution, and the like to allow or accept transfers out of the PayMongo Virtual Account;

2. PAYMONGO E-MONEY is honored by any bank, financial institution, or other e money provider; however, the transfer transaction is not authorized, for any reason whatsoever;

3. Any delay, interruption or termination of the PayMongo Virtual Account transaction whether caused by administrative error, technical, mechanical, electrical or electronic fault or difficulty or any other reason or circumstance beyond PayMongo’s control (including but not limited to acts of God, strike, labor disputes, fire, disturbance, action of government, atmospheric conditions, lightning, interference or damage by third parties or any change in legislation);

4. Unauthorized use of the PayMongo Virtual Account (including but not limited to account takeover by third persons, or unauthorized transfers by a person given access to the PayMongo dashboard by the business owner or registered business entity) or any loss, costs, damages or payable to any third party by the PayMongo Virtual Account Holder;

5. Any misrepresentation or fraud by or misconduct of any third party.

10. Limitation of Liability

In the event of any action that a PayMongo Virtual Account Holder may file against PayMongo Payments, Inc., the PayMongo Virtual Account Holder agrees that PayMongo’s liability shall not exceed the amount of the total Merchant Discount Rates paid by the PayMongo Merchant Account Holder to PayMongo during the last twelve (12) months from the occurrence of the event that caused the damage.

11. Fraudulent Transactions

PayMongo shall have the right to automatically suspend or block a PayMongo Virtual Account in the event that it has reason to believe that the same is being used for fraudulent or suspicious transactions or by an unauthorized person. PayMongo shall not have the obligation to inform the PayMongo Virtual Account Holder prior to suspending or blocking PayMongo Virtual Account pursuant to this Section. The PayMongo Virtual Account Holder acknowledges the authority of PayMongo to suspend or block the Virtual Account and accordingly, the PayMongo Virtual Account Holder shall hold PayMongo free and harmless against any and all consequences of such suspension or blocking, or any loss or damage which the PayMongo Virtual Account Holder may suffer as a result thereof.

Without giving any reason or notice, and without prejudice to the other provision hereof, PayMongo has the absolute discretion (a) to refuse to approve any Virtual Account transaction even if there is sufficient available balance; (b) to suspend, terminate or cancel the PayMongo Virtual Account Holder’s right to use the Virtual Account; (c) to increase or decrease the balance limit; (d) to introduce, amend, vary, restrict, terminate or withdraw the benefits, services, facilities and privileges with respect to or in connection with the PayMongo Virtual Account, whether specifically relating to a PayMongo Virtual Account Holder or generally to all PayMongo Virtual Account Holders.

12. Data Privacy

12.1 Data Collection

PayMongo shall keep all PayMongo Virtual Account Holder files in strictest confidence. By providing his/her information for the purpose of opening a Virtual Account, PayMongo Virtual Account Holder expressly consents to the processing of his/her supplied customer data, as may be applicable. Data belonging to the Virtual Account Holder are either Personal Information or Non-Personal Information:

a. Personal Information is any information from which the identity of an individual can be reasonably and directly ascertained, or when put together with other information would directly and certainly identify an individual. It also includes, but is not limited to, data that would help us verify:

  1. PayMongo Virtual Account Holder’s identity such as such as name, gender, date of birth, address, telephone/mobile number, email address, proof of identification, source of income, employment, and other data points whenever applicable;
  2. the location of PayMongo Virtual Account Holder’s device whether desktop, laptop, or mobile devices whenever the PayMongo Virtual Account Holder accesses the PayMongo website; and
  3. he navigation experience when accessing the PayMongo website to see activities done in the channels, the pages visited, and the sequence thereof.

12.2 Use of Virtual Account Holder Data

Without limiting the generality of the foregoing, the PayMongo Virtual Account Holder consents and authorizes PayMongo to store, process, disclose, exchange, and release the said information to its associates, affiliates, subsidiaries, officers, employees, agents, lawyers and other consultants, pre-paid/debit/credit bureaus or any such persons as PayMongo deems necessary, or as required by law, rule or regulation, including but not limited to:

  1. providing the PayMongo Virtual Account Holder with customer support;
  2. enhancing your customer experience and improve, develop and determine tailored products to meet the PayMongo Virtual Account Holder’s preferences and needs;
  3. communicating relevant products and/or advisories to the PayMongo Virtual Account Holder;
  4. showing you relevant ads on and off our services and measure the effectiveness and reach of ads and service;
  5. Abide by any safety, security, public service or legal requirements and processes; and
  6. processing information for statistical, analytical, and research purposes.
13. Data Sharing

You hereby consent to and authorize PayMongo, its subsidiaries and affiliates such as, but not limited to, PayMongo Philippines Inc., PayMongo Inc., and/or its third party partners contracted by PayMongo for the purpose of conducting its operations, including but not limited to fraud and risk management, sales and marketing activities, communications relating to their products and/or services, product and system development and innovation, customer experience management and improvement, and market research, to collect and process any and all information related thereto from whatever relevant source.

You hereby consent to and authorize the disclosure of and release by PayMongo Payments, Inc., PayMongo Philippines, Inc., PayMongo Inc. and its subsidiaries and affiliates, and PayMongo’s third party partners, of any and all information required by PayMongo Payments, Inc., PayMongo Philippines, Inc., PayMongo Inc.and/or its third party partners such as, but not limited to, the following [i] Data usage records; [ii] Customer relationship management records; [iii] Credit information; [iv] KYC data; [v] Registration data; and [vi] Transaction data.

The foregoing consents and authorizations shall continue for the duration of, and shall survive the termination of, this Agreement, or any other transactions, dealings, arrangements and accounts which you may have with, or avail from, PayMongo.

14. Venue of Litigation

Venue of all suits shall either be at Taguig City or at any location at the exclusive option of PayMongo.

15. Non-waiver of Rights

Failure, omission, or delay on the part of PayMongo to exercise its rights or remedies under these Terms and Conditions shall not operate as a waiver.

16. Separability Clause

Should any term or condition in this Agreement be rendered void, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining terms and conditions shall not be affected or impaired thereby.

17. Customer Complaints Handling Process

PayMongo is committed to maintaining the highest standards of financial consumer protection. Your requests, feedback and customer needs are our priority. If you have any concerns about a procedure or have encountered a problem with our service, send us a message through any of our customer success channels for assistance. All information disclosed shall be treated with utmost confidentiality and will be resolved in the most efficient and effective manner.

You can reach us through the following channels:

Unit 3310 High Street South Corporate Plaza Tower 2, 26th Street and 11th Avenue, Bonifacio Global City, Taguig, Philippines 1634 Tel. No. (02) 7971 9153

Email: support@paymongo.com
Facebook Page: https://www.facebook.com/paymongo

II. Acceptable Use Policy

The PayMongo Virtual Account Holder agrees to refrain from doing the following:

1.1. Gain or attempt to gain unauthorized access to any part or feature of the Services or to any other system or network connected to the Services. You also agree not to gather, harvest, or otherwise collect information about others using the PayMongo Services without their explicit informed consent; nor restrict, prevent or prohibit any other party from using the PayMongo Services, including but not limited to such actions which may tend to discourage others from using the PayMongo Services, such as stalking, flaming or the lashing out at other parties, spamming or the sending of unsolicited information, advertisement or content, flooding or the sending of repetitive message, trolling or the use of insulting or deliberately divisive information, material or content, other forms of annoyances, and the like;
1.2. Circumvent, disable, or otherwise interfere with security-related features of the PayMongo Services, including those that prevent or restrict use or copying of any content, material or information available on or through the PayMongo Services, as well as those that enforce limitations on the use of the PayMongo Services;
1.3. Probe, scan or test the vulnerability of the PayMongo Services or any network connected to it, and not to breach the security or authentication measures on the same. You agree not to reverse look-up, trace or seek to trace any information on any user of or visitor to the PayMongo website, or any other customer of PayMongo including any account maintained with the PayMongo Services not owned by you, to its source, or exploit the PayMongo Services or any information made available or offered by or through the PayMongo Services, in any way where the purpose is to reveal any information, including but not limited to personal identification, other than your own information;
1.4. Agree not to copy or download any material or content from or through the PayMongo Services unless such copying or downloading is explicitly allowed by a visible manifestation thereof such as a “download” button or a similar link ostensibly displayed. You further agree not to engage or attempt to engage in the use, copying, transmission, broadcast, display, distribution or sale of any of the contents, material or information available on or through the PayMongo Services, including user comments and the like, other than as expressly permitted herein, or as explicitly indicated in the PayMongo Services, including use thereof for commercial purposes;
1.5. Take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the PayMongo Services or its systems or networks, or any systems or networks connected to the PayMongo Services;
1.6. Use any device or routine to interfere or attempt to interfere with the proper working of the PayMongo Services or any transaction being conducted using the PayMongo Services, or with any other person’s use of the PayMongo Services. You agree that you will not engage in any activity that interferes with or disrupts the PayMongo Services or the servers and networks which are connected to the PayMongo Services;
1.7. Use the PayMongo Services for any purpose that is illegal, unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes on the rights of PayMongo or others. You further agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on any content, material or information, either in whole or in part, available on or through the Services, unless you have been specifically permitted to do so by PayMongo or by the owner of that content, material or information in a separate agreement.

2. Third Party Content & Services

2.1. The PayMongo Service contains content provided by third party services and resources. You acknowledge and agree that we are not responsible or liable for: the availability or accuracy, appropriateness, completeness or non-infringement of such Third- Party Services; or the content, products, or services available on or through such Third-Party Services. Unless specified by us, the availability of such Third-Party services does not imply any endorsement by us of such Third-Party services or the content, products, or services available therefrom.
2.2. You may not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the application and the services or in any Third-Party Services.
2.3. PayMongo makes no representation or warranties whatsoever about any service, content and / or any other resources provided by the Third Party.

3. Reserved Rights

PayMongo reserves, at our sole discretion but without obligation, the right to:
3.1. Deny access to and / or discontinue the PayMongo Services or any component thereof to anyone at any time, temporarily or permanently, without giving any reason and/or prior notice to you. You hereby irrevocably agree, affirm and warrant to hold PayMongo free from any liability, both under equity and the law, arising or that may arise out of any such denial of access to or the discontinuance of the PayMongo Services;
3.2. Collect, screen, review, flag, filter, modify, block, refuse or remove any and/or all information provided by any user, explicitly or implicitly to and through the PayMongo Services, including but not limited to hardware information, IP address, browser-type related information, cookies and the like. You hereby irrevocably agree, affirm and warrant to hold PayMongo free from any liability, both under equity and the law, arising or that may arise out of any such collection, screening, review, flagging, filtering, modification, blocking, refusal or removal of any and/or all information provided by any user to and through the PayMongo Services;
3.3. Enhance, improve, develop and introduce new features and functionalities to the PayMongo Services at any time and without prior notice. You hereby understand, agree, and affirm that any such enhancement, improvement, development, new feature and/or new functionality to the PayMongo Services shall form part of the PayMongo Services as defined herein and thus shall likewise be covered by these Terms and its subsequent revisions or amendments, as applicable;
3.4. Verify, check, cross-refer, validate, and ascertain the veracity and truthfulness of all information supplied by you by acquiring, accessing, retrieving, or otherwise acquiring similar or additional information supplied by you to other third-party service providers, including, but not limited to telecommunications providers, etc. You hereby expressly, unequivocally, and voluntarily allow PayMongo to request for and secure such information, and expressly, unequivocally, and voluntarily instruct such third-party providers to: (a) receive and process PayMongo’s request; (b) favorably act at all times on any such request by producing the information requested; and (c) when requested by PayMongo, provide the latter with certified digital or printed copies of the said information;
3.5. Send you or cause to send you service updates and/or messages, including SMS, notifications, email and/or any data message transmission, informing you of enhancements, improvements, developments, features, functionalities, products, promotions, offers, advertisement and/or any other information relative to the PayMongo Service. PayMongo makes no warranty of any kind, express or implied, for such service updates and/or messages, but you hereby agree to receive such service updates and/or messages and hold PayMongo free from any liability and/or claims for indemnification or damages that may arise therefrom;
3.6. Set limitations to and charge fees and applicable taxes for the use of the PayMongo Services, at any time and without prior notice. You further understand and agree that PayMongo reserves the right, at its sole discretion and under no obligation, to change the applicable fees, taxes and charges levied for the use of the Services, at any time and with prior written notice to you thirty (30) days prior to effective date of change in fees / charges /penalties;
3.7. To limit the provision, availability, quantity and quality of any feature, product or service to any person or to anyone within the same geographic area, demographic profile, or any other market, commercial, and/or trading segments. You likewise understand and agree that PayMongo reserves the right, at its sole discretion but without obligation, to administer and operate any and/or all of the PayMongo Services from any or various locations outside the Republic of the Philippines. You hereby understand, agree, and undertake sole responsibility for your continued access to or use of the PayMongo Services, as well as the results or consequences of such access and use, including the responsibility for compliance with applicable local laws and the sole liability for non-compliance or breach thereof.

PayMongo Payments Inc. 

Welcome to PayMongo Payments! Maaaring pakibasa ang sumusunod na Terms of Use (TOU) bago kumpletuhin ang pagbubukas ng inyong virtual account sa PayMongo. Ang mga sumusunod na TOU ang mga patakarang kailangang sundin sa pagbukas at paggamit ng inyong virtual account sa PayMongo website at ang mga serbisyong puwedeng gawin na kasunod nito (mula rito, tatawaging “PayMongo Services”). Sa pagbubukas at paggamit ng iyong PayMongo virtual account, tinatanggap mo at pumapayag kang sundin ang mga alituntuning nakapaloob sa TOU na ito.

Maaaring pakibasa rin muna ang aming Privacy Policy and Acceptable Use Policy bago mo gamitin ang ano mang bahagi ng PayMongo Service. Tinutukoy ng Privacy Policy kung paano namin kinokolekta at ginagamit ang inyong personal na data o impormasyon kapag ginamit mo ang PayMongo Service.

Inilalatag sa Acceptable Use Policy ang mga alituntunin na kailangan mong sundin sa iyong paggamit ng PayMongo Service. Kung hindi ka sangayon sa alin mang mga alituntuning ito sa paggamit, o di kaya’y ayaw mong sundin ang alin man dito, maaari mong itigil ang paggamit ng serbisyo.

Ang TOU na ito ay may bisa, valid, at binding sa iyo mula sa panahon na sumangayon ka dito sa pamamagitan ng pagbubukas ng inyong account, o di kaya’y sa patuloy na paggamit mo ng iyong PayMongo account, hanggang sa panahon na itigil mo ang paggamit dito, o di kaya’y i-terminate namin ito, maliban na lamang sa ibang kundisyon na kailangang manatili ayon sa batas, o sa mga regulasyon ng mga ahensiya ng gobyerno.

Inilalaan ng PayMongo ang karapatang baguhin o palitan ang TOU na ito sa ano mang oras na walang paunang abiso. Ano mang pagbabago sa TOU na ito ay effective agad kapag nai-post na sa website na ito, kasama ang kanyang bagong effective date. Kapag in-access mo o patuloy mong ginamit ang PayMongo Service pagkatapos maging epektibo ng mga pagbabago sa TOU, magiging patunay ito ng pagtanggap mo sa mga pagbabago sa TOU. Siguraduhin lamang na balikan ang pahinang ito para maging updated sa ano mang pagbabago sa TOU.

Ang pagsalin ng TOU sa Filipino at ibang dialekto ay para lamang sa convenience ng marami, at ang bersyon nito na nakalathala sa English ang masusunod pa rin kung sakaling magkaroon ng conflict ang mga naisasaad dito.

Sa ilalim ng TOU, ang mga katagang “PayMongo”, “kami”, “namin”, and “amin” ay ginagamit para tukuyin ang kumpanya ng PayMongo Payments, Inc. kasama ang mga empleyado, opisyal, mga affiliates, partners, at iba pa. Ang PayMongo Payments ay lisensiyado ng at sumusunod sa mga regulasyon ng Bangko Sentral ng Pilipinas (BSP).

1. Basic Terms

1.1 Kung ikaw ang may-ari ng negosyo, inilalahad mo na ikaw ay di bababa sa edad na 18 anyos;

1.2 Kung ikaw ay kumakatawan sa isang korporasyon, sole proprietorship, partnership o iba pang uri ng negosyo, pinapatotohanan mo na ikaw ay otorisado ng mga nagmamay-ari nito na magbukas ng account para sa negosyo, at ang mga taong bibigyan ng access sa PayMongo account ay siyang otorisado rin. Pinapatotohanan mo rin na ikaw ay may kapangyarihang buksan ang account na ito para sa iyong kumpanya o negosyo, at susunod ang huli sa mga alituntuning nakasaad dito.

2. Registration for PayMongo Virtual Account

2.1 Sa pagtanggap mo sa TOU, binubuksan mo ang PayMongo Virtual Account na naka-link sa iyong PayMongo Merchant Account. Kailangan mong i-provide ang kumpletong impormasyon tulad ng iyong buong pangalan, kasalukuyan o permanenteng address, date of birth, nationality, pinanggagalingan ng pondo, picture at lagda alinsunod sa mga requirements ng Know-Your-Customer (“KYC”) na proseso ng BSP. Ive-verify namin ang ibinigay mong impormasyon sa pamamagitan ng hiwalay na third-party verification vendor, kung kakailanganin. Maaaring humingi pa kami ng dagdag na impormasyon, detalye o dokumento upang matulungan mabuo ang proseso ng pagve-verify.

2.2 Pumapayag ang virtual account holder na ibigay ang kinakailangang dokumento o impormasyon upang matapos namin ang verification process. Ang impormasyon, detalye o dokumentong ibibigay mo ay gagamitin sa pagsuri ng iyong applikasyon para sa PayMongo Service, o para malaman kung pupuwede mo pang ituloy ang paggamit ng iyong PayMongo Virtual Account. Inilalaan ng PayMongo ang karapatang isara, suspindehin o limitahan ang paggamit ng iyong virtual account kung sakaling hindi namin  makuha ang impormasyong kinakailangan mula sa iyo. Lahat ng impormasyon, detalye  at dokumentong iyong ibibigay sa PayMongo ay gagamitin lamang namin ayon sa aming Privacy Policy.

2.3 Ang virtual account holder ang responsable para sa katotohanan ng lahat ng information na ibibigay mo para sa pagbubukas ng iyong account, at siguruhing updated ang lahat ng ito. Kung sakaling may malaking pagbabago sa pagmamay-ari ng negosyo, mga produktong ibinebenta or serbisyong inaalok, obligasyon mo ring i-update ang impormasyong ito sa PayMongo. May mga karagdagang serbisyo o feature ang PayMongo na maaari lamang gamitin ng virtual account holder na nakasalalay sa pagbibigay ng karagdagang impormasyon o dokumento.

3. Mga Kahulugan ng mga Termino

Ang mga sumusunod ay ang mga kahulugan ng mga termino or salitang madalas gamitin sa TOU:

PAYMONGO E-MONEY: isang klase ng electronic money na magagamit ng mga virtual account holder na rehistrado sa PayMongo Service upang ipadala o matanggap ang kanilang mga payouts, at mailipat ito sa bank account sa ibang bangko o iba pang e-wallets.

PayMongo Service: ang tawag sa kabuuan ng mga serbisyo na available sa website ng PayMongo, kung saan ang isang PayMongo Merchant ay puwedeng gamitin ang kanyang account para tumanggap ng bayad mula sa kanyang mga buyer, customer o kliyente, at kung saan puwedeng gamitin ang PayMongo Virtual Account.

PayMongo Virtual Account: ang tawag sa instrumento ng e-money na humahawak ng kaukulang halaga ng Philippine Peso (Php) sa loob ng PayMongo system. Nakadikit ang Virtual Account na ito sa aprubado at aktibong PayMongo Merchant account. Ilan sa mga bagay na iyong magagawa gamit ang isang PayMongo Virtual Account: Makatanggap ng payout, maglipat ng pondo, at balance inquiry.

PayMongo Virtual Account Holder ang tawag sa isang negosyo or may-ari ng negosyo na nagrehistro para sa pagbukas ng PayMongo Virtual Account upang matanggap niya rito ang kanyang mga payout mula sa paggamit ng online facilitation services ng PayMongo.

“Know Your Customer” or “KYC” ang prosesong iminandato ng Bangko Sentral ng Pilipinas upang makilala at matiyak ang pagkatao at negosyo ng isang nag-aapply para magbukas ng PayMongo Virtual Account.

4. PayMongo Virtual Account

Ang PayMongo Virtual Account ay isang reloadable na e-money instrument. Hindi ito deposit o savings account, at ang nilalaman nito ay hindi sakop ng Philippine Deposit Insurance Corporation (PDIC). Hindi rin ito maaaring kumita ng anong interes. Ang PayMongo Payments, Inc, bilang issuer ng e-money instrument, ay direktang responsable sa mga PayMongo Virtual Account holders para dito.

Gayunpaman, sakop ito ng mga regulasyon ng BSP, ng Anti-Money Laundering Act (AMLA) at ng mga sumusunod nitong pagamyenda, kasama ang Data Privacy Act ng 2012 at ang kaagapay na Implementing Rules and Regulations. Ang halaga o value na niload sa isang PayMongo Virtual Account ay maaaring gamitin upang mag-transfer o maglipat ng pera sa account sa ibang bangko o e-wallet account.

5. Transaction and Wallet Limit

Maaaring magpataw ng limitasyon sa halaga ng Transaction at balanse sa iyong PayMongo Virtual Account ayon sa mga batas at regulasyon pagkatapos magkaroon ng paunang pasabi o anunsiyo ang PayMongo sa mga customer na di iikli sa labinlimang (15) araw bago ang implementasyon ng nasabing limitasyon.

6. Fees, Rates and Other Charges

Pumapayag ang PayMongo Virtual Account Holder na bayaran ang ibang fees at charges para sa kanyang mga transfer ng pera palabas ng kanyang PayMongo Virtual Account. Kasama na ang mga kaukulang buwis o tax sa transfer fee, na siyang iaawas agad mula sa balanse ng inyong PayMongo Virtual Account.

Ang mga dormant o di nagagamit sa loob ng anim (6) na buwan na PayMongo Virtual Account ay mapapatawan ng dormancy maintenance fees, na sisimulang bilangin mula sa araw ng huling transaksyon nito.

7. Transaction History

Ang transaction history (ang pagpasok ng load at pag-transfer nito palabas) ng isang PayMongo Virtual Account Holder ay maaaring makita sa pamamagitan ng pag log-in sa inyong PayMongo Merchant Dashboard sa PayMongo Website. Maaari ring i-download at i-print ang transaction history mula rito.

8. Disputes and Erroneous Transactions

Ang mga entry sa inyong PayMongo Virtual Account transaction history ay ipinapalagay na totoo at tama, maliban lamang kung magpadala ng pormal na abiso ang PayMongo Virtual Account Holder sa PayMongo Payments, Inc. sa loob ng labinlimang (15) araw mula sa petsa ng sinasabing transaksyon. Kung walang dispute o pagtutol ang natanggap sa loob ng labinlimang (15) araw, ang mga transakyon at entry sa Account/ Transaction History sa Dashboard ay makatotohanan at otorisado ng PayMongo Virtual Account Holder.

Ang mga Disputed o tinutulang transaksyon ay makekredito lamang sa balanse ng isang PayMongo Virtual Account Holder kapag naproseso, naimbestigahan, at napatunayang tama.

9. Limits on Liability

Walang binibigay na garantiya ang PayMongo, hayag man o di hayag, ukol sa PayMongo Service; ito ay inaalok bilang “AS IS,” “AS AVAILABLE” na walang garantiya, maliban na lamang sa mga garantiya na nakamandato sa ilalim ng batas.

Hindi ginarantiya ng PayMongo ang mga sumusunod: (1) ang nilalaman, kalidad o katiyakan ng datos o impormasyon na ipinadala o natanggap gamit ang PayMongo Services; (2) na walang magiging interupsyon sa PayMongo Services o di kaya’y error free ito; or (4) na may partikular na resulta o impormasyon ang makakamit.

Walang pananagutan ang PayMongo para sa kahit anong kawalan, kumpensasyon, o pinsala sa iyo o sa kahit sinong maituturing na third party sa kadahilanan ng mga sumusunod:

1. Pagtanggi ng kahit anong bangko, o financial institution, and ng mga katulad na institusyon na tanggapin ang mga transfers mula sa isang PayMongo Virtual Account;

2. Sa sitwasyong tinanggap ang PAYMONGO E-MONEY ng kahit anong bangko, financial institution, o ibang e-money provider; ngunit lumabas na hindi otorisado ang transaksyon, sa kung ano mang dahilan;

3. Anumang pagkakaantala, interupsyon, o di pagtuloy ng transaksyon ng PayMongo Virtual Account maging resulta man ng administrative error,technical, mechanical, electrical o electronic fault or difficulty o ano pa mang dahilang wala sa kontrol ng PayMongo (kasama ngunit hindi limitado sa mga sumusunod: Acts of God, strike, labor disputes, sunog, riot, aksyon o utos pamahalaan, atmospheric conditions, lightning, interference o pinsala mula thirdparties o kahit anong pagbabago sa batas);

4. Hindi otorisadong paggamit ng PayMongo Virtual Account (kasama, ngunit hindi limitado sa sumusunod: “account takeover” or hindi otorisadong pagkontrol ng Virtual Account ng mga third persons, o di otorisadong transfers na ginawa ng isang taong binigyan ng access sa PayMongo dashboard ng may-ari ng negosyo, o kahit na anong kawalan, asunto, pinsala o halagang dapat bayaran sa isang third party ng PayMongo Virtual Account Holder;

5. Anumang maling paglalarawan o deklarasyon (misrepresentation) o panloloko (fraud) o maling pag-uugali (misconduct) na gawa ng kahit na sinong third party. 

10. Limitasyon ng Pananagutan (Limitation of Liability in case of action)

Sakaling magkaroon ng reklamo o asuntong isinampa ang PayMongo Virtual Account Holder laban sa PayMongo Payments, Inc, sumasangayon ang PayMongo Virtual Account Holder na ang pananagutan ng PayMongo ay hindi lalampas sa kabuuang halaga ng Merchant Discount Rates na binayaran ng PayMongo Merchant Account Holder sa PayMongo sa huling labindalawang (12) buwan bago mangyari ang insidenteng sinasabing nakapinsala.

11. Mapanlinlang (Fraudulent) na Transaksyon

Karapatan ng PayMongo na awtomatikong suspindehin o i-block ang isang PayMongo Virtual Account kung may dahilan itong maniwala na ito ay ginagamit para sa mga mapanlinlang (fraudulent) na transaksyon o ng isang hindi otorisadong tao. Walang obligasyon ang PayMongo na ipagbigay alam sa PayMongo Virtual Account Holder and suspensyon o blocking ng naturang PayMongo Virtual Account sa ilalim ng regulasyong ito. Kinikilala ng PayMongo Virtual Account Holder ang karapatan ng PayMongo na suspindihin o i-block ang Virtual Account, at tinatanggap nitong walang pananagutan ang PayMongo sa anumang kawalan o pinsalamg maaaring mangyari mula sa suspensiyon o blocking.

Sakaling magpasya ang PayMongo na gawin ang sumusunod, hindi kailangan magbigay ng dahilan o abiso ng PayMongo kapag: (a) tumanggi itong aprubahan ang isang transakyon kahit may sapat na available balance o laman ang PayMongo Virtual Account; (b) suspindihin, kanselahin o itigil ang paggamit ng PayMongo Virtual Account; (c )taasan o bawasan ang balance limit; (d) maglagay, magamyenda, palitan, magpalit o bawiin ang anumang benepisyo, serbisyo, pasilidad o pribilehiyo ukol o konektado sa PayMongo Virtual Account, kaugnay sa isang partikular na PayMongo Virtual Account Holder o sa lahat ng klase ng PayMongo Virtual Account Holder.

12. Data Privacy

12.1 Koleksyon ng Personal mong Datos at Impormasyon

Striktong sinusunod ng PayMongo ang lahat ng batas at alituntunin ukol sa tamang koleksyon, pagaalaga, at pagtatago ng lahat ng personal na datos at impormasyon na ibinigay sa amin ng aming mga PayMongo Virtual Account Holder. Sa pagbibigay o pagsusubmit ng iyong personal na detalye, impormasyon, at dokumento, pinapayagan mo ang PayMongo na iproseso ang inyong binigay na datos at impormasyon para sa mga gamit na nakasaad sa TOU.

Ang datos na pagmamayari ng Virtual Account Holder ay nakakategorya bilang Personal Information o Non-Personal Information:

a. Ang Personal Information ay kahit anong impormasyon kung saan direktang matutukoy ang pagkatao o pagkakakilanlan ng isang indibidwal; o impormasyon kung saan, kapag pinagsama-sama ay direktang matutukoy ang isang tao o indibidwal. Kasama rito ang mga detalye na tutulong sa aming tukuyin ang mga sumusunod:

  1. Impormasyon hinggil sa identity ng PayMongo Virtual Account Holder tulad ng buong pangalan, kasarian, petsa ng kapanganakan, address, telephone/mobile number, email address, proof of identification, source of income, employment, at iba pang datos kung naaayon;
  2. Ang lokasyon ng PayMongo Virtual Account Holder’s device (desktop PC, laptop, o cellphone) tuwing naglo-log in ang PayMongo Virtual Account Holder sa PayMongo website; at
  3. Paraan ng paggamit o “navigation experience” tuwing ginagamit ang PayMongo website o Dashboard, upang makita ang mga ginagawa dito, ang mga seksyon na binasa, at iba pa.

12.2 Paggamit ng Datos ng Virtual Account Holder (Use of Virtual Account Holder Data)

Walang intensiyong limitahan ang kabuuan ng sumusunod, pumapayag at binibigyang pahintulot ng PayMongo Virtual Account Holder ang PayMongo na itago, iproseso, ibigay, at i-release ang kanyang impormasyon sa mga associates, affiliates, subsidiaries, opisyal, empleyado, ahente, abogado at iba pang consultants, pre-paid/debit/credit bureaus o iba pang tao na, sa paningin ng PayMongo ay kailangan makaalam, o di kaya’y nakasaad sa batas, alituntunin o regulasyon sa mga sumusunod na sitwasyon:

  1. Pagbibigay ng Customer Support o Service sa PayMongo Virtual Account Holder;
  2. Pagandahin ang inyong customer experience sa pamamagitan ng mga pag aayos, pag-develop at pagtukoy ng mga produkto o feature na tutugon sa mga pangangailangan o request ng mga PayMongo Virtual Account Holder
  3. Pag-email ng mga update o advisory tungkol sa mga bagong produkto, feature o serbisyo sa mga PayMongo Virtual Account Holder;
  4. Pagpapakita ng mga nauugnay na advertisement sa aming mga website o sa iba pang website upang masukat ang bisa at lawak ng aming mga advertisment at serbisyo:
  5. Pagsunod sa kahit anong alituntunin ukol sa seguridad, serbisyo publiko, o legal na rekisitos at proseso; at
  6. Pagproseso ng impormasyon para sa aming pagsasaliksik, pagaanalisa, at iba pang uri ng pag-aaral para mapaganda ang aming serbisyo at produkto.
13. Pagbabahagi ng Datos (Data Sharing)

Pinapahintulutan mo ang PayMongo, ang mga sangay, affiliate tulad ng, ngunit hindi limitado sa, PayMongo Philippines Inc., PayMongo Inc., mga third party partners na kinontrata ng PayMongo para gawin ang kanilang operations, katulad ng fraud at risk management, sales at marketing, promotion ng kanilang mga produkto o serbisyo, product at system development at innovation, customer experience management at improvement, market research, at pagkolekta at pagproseso ng impormasyon kaugnay nito.

Pinahihintulutan mo ang paghahayag (disclosure) at pagbabahagi (sharing) ng PayMongo Payments, Inc., PayMongo Philippines, Inc., PayMongo Inc. at ng mga sangay at ibang bahagi nito, kasama ang mga third party partners, ng kahit anong impormasyon ang kailangan ng PayMongo Payments, Inc., PayMongo Philippines, Inc., PayMongo Inc.and/or its third party partners tulad ng: [i] Rekord ng Data usage; [ii] Rekord ng Customer relationship management; [iii] Credit information; [iv] datos mula sa KYC data; [v] datos tungkol sa iyong pagrehistro; at [vi] datos ng transaksyon.

Ang mga pahintulot na binigay dito ay may bisa sa kabuuan ng kasunduang ito, at may mga bahaging maaaring may bisa pa kahit makansela na ang kasunduan.

14. Venue ng Paglilitis (Venue of Litigation)

Ang venue ng lahat ng paglilitis na maaaring lumabas mula sa TOU ay pupuwede lamang sa Taguig City o kung saan pa mang hurisdiksyon sa loob ng Pilipinas, sa eksklusibong pagtukoy ng PayMongo.

15. Non-waiver of Rights

Anumang pagkukulang, pagantala, o pagkaligta ng PayMongo ukol sa mga karapatan nito sa ilalim ng TOU ay hindi maituturing na waiver ng aming karapatan.

16. Separability Clause

Kung sakaling may bahagi o parte ng TOU na ideklarang walang bisa, ilegal, o hindi maipapatupad dahil sa batas, hindi maaapektuhan ang ibang bahagi na walang kinalaman o hindi nasasakupan ng nasabing bahagi.

17. Customer Complaints Handling Process

Sumasangayon ang PayMongo sa pagpapatupad ng mataas na standard ng financial consumer protection para sa aming mga Virtual Account Holder. Priority namin ang inyong mga reklamo, komento, at mga suhestiyon kung papaano pa namin mapapaganda ang aming serbisyo para sa inyo.

Kung sakaling mayroon kang concern o suhestiyon na gustong mong idulog, o di kaya’y kailangan ng tulong tungkol sa iyong account, maaaring magpadala lamang ng mensahe sa aming mga customer success channels. Ang impormasyon na iyong ibibigay ay strictly confidential at nangangako kaming susubukan ang aming makakaya upang matulungan kang maresolba ang isyu.

Maari kaming makontak sa mga sumusunod na channels:

Unit 3310 High Street South Corporate Plaza Tower 2, 26th Street and 11th Avenue, Bonifacio Global City, Taguig, Philippines 1634 Tel. No. (02) 7971 9153

Email: support@paymongo.com
Facebook Page: https://www.facebook.com/paymongo

II. Acceptable Use Policy

Bilang PayMongo Virtual Account Holder, naiintidihan mong bawal gawin ang mga sumusunod:

1.1. Gain or attempt to gain unauthorized access to any part or feature of the Services or to any other system or network connected to the Services. You also agree not to gather, harvest, or otherwise collect information about others using the PayMongo Services without their explicit informed consent; nor restrict, prevent or prohibit any other party from using the PayMongo Services, including but not limited to such actions which may tend to discourage others from using the PayMongo Services, such as stalking, flaming or the lashing out at other parties, spamming or the sending of unsolicited information, advertisement or content, flooding or the sending of repetitive message, trolling or the use of insulting or deliberately divisive information, material or content, other forms of annoyances, and the like;
1.2. Dayain, i-disable, or makialam sa mga security-related features ng PayMongo Services, lalo na ang mga security feature na iniligay para pigilin ang mga nangongopya o nagde-data mine ng kahit anong content, materyal o impormasyong available sa PayMongo Services.
1.3. Subukin o tangkaing i-testing kung mayroong kahinaan ang PayMongo Services o ang mga network o system na konektado rito, at hindi labagin ang mga security o authentication measures na aming inilitag para sa proteksyon ng lahat. Naiintindihan mo na bawal gawin ang reverse look-up, i-trace o tangkaing i-trace ang anumang impormasyon sa kahit sinong user o bisita sa PayMongo Website, o kahit sinong customer ng PayMongo, kasama na rito ang mga mayroong account sa PayMongo Services na hindi mo pagmamay-ari. Bawal ring samantalahin ng isang PayMongo Account Virtual Account holder ang kanyang access sa PayMongo Services upang kumuha ng impormasyon tungkol sa ibang gumagamit ng website o ng PayMongo Services.
1.4. Pumapayag kang hindi kopyahin o idownload ang kahit anong content o materyal mula o sa pamamagitan ng PayMongo Service kung saan ito ay pinagbabawal, maliban na lamang kung may kasama ito sa mga features ng PayMongo Service, na makikita kapag may “download” button o kaparehong function nito.

Hindi rin maaaring subuking kopyahin, gamitin, i-broadcast, i-stream, o ibenta ang anumang contents, materyal o impormasyong makikita sa website o sa pamamagitan ng PayMongo Services, kasama ang user comments at mga katulad nito, maliban na lamang kung mayroong direktang pahintulot ng PayMongo.
1.5. Gumawa ng hakbang na magiging dahilan ng hindi pangkaraniwang pagabuso o paggamit sa infrastructure ng PayMongo Services, o sa mga system o network na konektado rito; 
1.6. Gumamit ng device or pamamaraan na hahadlang o susubuking humadlang sa tamang pagtakbo ng PayMongo Services o ng kahit anong transaksyong isinasagawa dito. Ipinagbabawal rin ang anumang kilos na puwedeng humadlang sa maayos na paggamit ng ibang customer ng PayMongo sa mga Services nito, kabilang na ang pagsabotahe sa mga servers at networks na konektado sa PayMongo Services;
1.7. Gamitin ang PayMongo Services para sa mga gawain na ilegal, labag sa batas o mariing pinagbabawal sa ilalim ng TOU, o di kaya’y ang panghihikayat sa ibang inidibdwal o grupo upang sila ang gumawa ng ilegal na hakbang na maaaring makaapekto sa ibang customer ng PayMongo.

Ipinagbabawal rin ang pag-modify, pagpaparenta, pagbenta, pag distribute o ang paglikha ng derivative work base sa content, materyal o impormasyon, bahagi man o ang kabuuan, na available sa iyo dahil sa PayMongo Services, maliban na lamang kung ikaw ay binigyan ng direktang pahintulot ng PayMongo sa pamamagitan ng malinaw na kasulatan.

2. Third Party Content & Services

2.1. Gumagamit ang PayMongo Service ng mga resources at content mula sa mga Third Party. Naiintidihan mong hindi kami responsable o wala kaming pananagutan o garantiya sa mga serbisyo o features na ito. Hindi rin naming direktang ineendorso ang kalidad o availability ng kanilang serbisyo, maliban na lamang kung kami ay mayroong direktang pahayag o garantiya ukol dito.
2.2. Bawal na tanggalin, palitan, takpan ang kahit anong bagay na mayroong copyright, trademark, service mark o ibang proprietary rights notices na makikita sa aming website o dashboard, lalo na kung ito ay pagmamay-ari namin at ng aming mga Third-Party Providers.
2.3. Walang binibigay na garantiya ang PayMongo tungkol sa mga serbisyo na ibinibigay ng mga Third Party.

3. Nakalaang karapatan (Reserved Rights)

Inilaaan ng PayMongo ang mga sumusunod na karapatan, sa sarili nitong diskresyon, ang mga sumusunod:
3.1. Ang pagtigil sa access o ang pagputol ng PayMongo Services o ang bahagi nito para sa isang Virtual Account Holder na walang paunang abiso, at hindi kailangang magbigay ng dahilan para dito. Pumapayag kang walang pananagutan ang PayMongo sa iyo kung sakaling magkaroon ng pinsala mula sa pagtigil o pagputol ng PayMongo Service;
3.2. Kolektahin, basahin, i-review, i-flag, baguhin, i-block, hindi payagan o tanggalin ang impormasyong ibinigay ng isang user sa PayMongo Service, katulad ng ngunit hindi limitado sa mga sumusunod: hardware information, IP address, browser-type related information, cookies at iba pa. Pumapayag kang walang pananagutan ang PayMongo sa iyo kung sakaling magkaroon ng pinsala mula sa nasabing pagkolekta, pagbasa, pag-modify, pagreview, pag-flag, pagblock, at iba pa ng impormasyong ibinigay ng user sa paggamit ng PayMongo Service.
3.3. Pagandahin, i-improve, i-develop at gumawa ng bagong features at functionalities sa PayMongo Services sa kahit anong panahon at walang paunang abiso. Pumapayag ka na ang mga improvement, bagong feature o function ay magiging parte na ng PayMongo Service at masasakop rin ng TOU ang paggamit mo nito.
3.4. I-verify, i-check, i-cross-refer, i-validate, at siguruhin ang katotohanan ng impormasyong ibinigay mo sa pamamagitan ng pag-access ng karagdagang impormasyon na ibinigay mo sa ibang Third-Party Service Providers, kasama na rito ang mga telecommunications providers. Malinaw at hayag ang iyong pagpayag na aming kunin ang sinasabing impormasyon mula sa mga Third-Party Service Providers, at hayaan silang tanggapin at iproseso ang request ng PayMongo.
3.5. Padalhan ka ng advisories o mga updates sa pamamagitan ng text message, email, notifications sa dashboard, o tawag sa telepono tungkol sa mga bagong produkto, serbisyo, features, promotions, offers, advertisements at iba pang impormasyon tungkol sa PayMongo Services.
3.6. Mag-set ng limitasyon sa pag-charge ng mga fees at applicable taxes para sa paggamit ng PayMongo Services, sa anumang panahon na walang paunang abiso. Tinatanggap mo rin na inirereserba ng PayMongo ang karapatang palitaan ang mga charges, fees, at taxes dito at any time, ngunit mayroong paunang abiso ng isang buwan o tatlumpung (30) araw bago maging epektibo ang mga pagbabagong ito.
3.7. Maaaring limitahan ng PayMongo ang access o availability ng isang bahagi ng PayMongo Services sa isang geographic area, demographic profile, industriya at iba pang klasipikasyon na nararapat sa sarili nitong diskresyon. Tinatanggap mo rin na may mga pagkakataong maaaring may bahagi ng serbisyong available sa website o dashboard na maaaring nagmumula sa ibang lokasyon sa labas ng Pilipinas.

Bilang responsableng Virtual Account Holder, naiintidihan mo na ang responsibilidad sa maayos na paggamit ng iyong Virtual Account ay nasa iyong kamay, at responsable ka sa patuloy mong pag-access at paggamit ng PayMongo Service, at para sa maayos na pagsunod mo sa mga batas at regulasyon na naaayon dito, at ikaw lamang ang may pananagutan kung sakaling may gawin kang bagay na lalabag sa mga nasabing batas, regulasyon, at alituntunin.