January '21 Purchase Financing: SPF

[4W PF11 and 2W PF3] Congratulations! Bilang isa sa aming top

performing partner, ikaw ay napili para makapag-avail ng GrabFinance Purchase Financing Program! Kumpletuhin at
siguraduhing tama ang lahat ng information na ilalagay.

Verification Code *

4wa51pfjan213120165qk
Automatically generated code.

Your Purchase (A51) - 4W *

Samsung Galaxy A51 (Php13,990)

Lo an D e tails A51
GRAB EXCLUSIVE
PROMO
PHP 13,990.00
Interest Rate - 0% PHP 0.00
Pro ce s s in g
PH P 419.70
Fe e - 3%
T o tal AM O U N T
PH P 14,409.70
PAYAB LE
D u ratio n 60 d a ys (3 mo n ths )
D aily
PH P 240.16
D e d u ctio n
M o n d a y - Fri d a y
Fre q u e n cy
O nly
Warran ty 1 ye a r wa rra n ty

Full Name (First, Middle, Last) *

Joseph Neves Lubrica

First Middle Last

Mobile Number *

09493545688
Sa format na ito: 09xxxxxxxxx
January '21 Purchase Financing: SPF
[4W PF11 and 2W PF3] Congratulations! Bilang isa sa aming top
performing partner, ikaw ay napili para makapag-avail ng GrabFinance Purchase Financing Program! Kumpletuhin at
siguraduhing tama ang lahat ng information na ilalagay.

Preferred Delivery Address (Metro Manila and Rizal Area ONLY) *

no. 93 K-2nd Street

Street Number, Street

Kamuning
Barangay

Quezon City
City

Province *

Metro Manila
Siguraduhin tama at kumpleto ang impormasyon na ilalagay upang madeliver sa tamang address ang item.

Full Name (First, Middle, Last) *

Joseph Neves Lubrica

First Middle Last

Mobile Number na registered sa Grab App *

09493545688
Sa format na ito: 09xxxxxxxxx
January '21 Purchase Financing: SPF
[4W PF11 and 2W PF3] Congratulations! Bilang isa sa aming top
performing partner, ikaw ay napili para makapag-avail ng GrabFinance Purchase Financing Program! Kumpletuhin at
siguraduhing tama ang lahat ng information na ilalagay.

Email Address na registered sa Grab App *

joseph.lubrica@gmail.com
Pakilagay ang iyong Grab registered Gmail.

Government ID Number (Ex: Driver's License, UMID, Passport etc.) *

N0200441331
Format: XXX-XX-XXXXXX

Government ID PHOTO (FRONT only)

Drivers_License_-_Joseph_Lubrica.J
PG
 January '21 Purchase Financing: SPF
[4W PF11 and 2W PF3] Congratulations! Bilang isa sa aming top
performing partner, ikaw ay napili para makapag-avail ng GrabFinance Purchase Financing Program! Kumpletuhin at
siguraduhing tama ang lahat ng information na ilalagay.

Terms and Conditions *

PAYLAT ER R ET AIL LO AN AG R EEM EN T

T H IS AG R EEM EN T i s ma d e e ffe c ti ve fro m the d a te s e t o u t i n S e c ti o n 1 o f S c he d u l e 1 (the “ D ate o f th is

Ag re e m e n t” ) he re to a n d ma d e b e twe e n :

(1) The p a rty who o p ts to p a rti c i p a te i n thi s Ag re e me n t i n c l u d i n g i ts te rms a s s e l e c te d a n d a g re e d to

vi a the Lo a n a p p l i c a ti o n fo rm s e n t b y the Le n d e r to the Bo rro we r fo r the p u rp o s e s o f thi s
Ag re e me n t(the " B o rro we r" ); a n d

(2) Grab Fin an cial S e rvice s Ph ilip p in e s In c., a c o rp o ra ti o n d u l y o rg a n i z e d a n d e xi s ti n g u n d e r

Phi l i p p i n e l a w, wi th c o mp a n y re g i s tra ti o n n o . C S 201905977, ha vi n g i ts p ri n c i p a l o ffi c e a t Wilco n IT
H u b 12F, 2251 C h in o R o ce s Ave , M akati, 1233 M e tro M an ila (the " Le n d e r" ).

IT IS AG R EED a s fo l l o ws :

T h e Lo an

1.1 Prin cip al Am o u n t / Lo an Am o u n t

T he Borrower has applied via PayLater for a loan to finance their transaction (the “Transaction”) for goods and/or services
(“Goods/Serv ices”) as chosen by the Borrower on the Loan application form and approved by the Lender, and the Lender hereby
makes available to the Borrower a loan in a Principal Amount as set out in Section 6 of Schedule 1 (the "Loan").

1.2 D is b u rs e m e n t

(a ) The Bo rro we r he re b y i rre vo c a b l y a u tho ri z e s the Le n d e r to d i s b u rs e the Lo a n a mo u n t d i re c tl y

to the me rc ha n t s e l l i n g the Go o d s /S e rvi c e s (the “ M e rch an t” ), who s e d e ta i l s ha ve b e e n
s e t o u t i n the Lo a n a p p l i c a ti o n fo rm.

(b ) The Lo a n s ha l l b e d i s b u rs e d to the M e rc ha n t u p o n c o n fi rma ti o n o f the Tra n s a c ti o n a n d

a p p ro va l o f the Tra n s a c ti o n a n d the Lo a n a p p l i c a ti o n b y the Le n d e r.

Pu rp o s e

The Bo rro we r s ha l l a p p l y a l l a mo u n ts b o rro we d b y i t u n d e r the Lo a n to wa rd s the Tra n s a c ti o n wi th the

M e rc ha n t o n l y. The Bo rro we r s ha l l n o t a p p l y fo r a Lo a n tha t e xc e e d s the a mo u n t s ta te d i n the
Tra n s a c ti o n .

T ran s actio n

Ag re e m e n t D ate

Thi s Ag re e me n t s ha l l b e ma d e e ffe c ti ve fro m the d a te o f the s a l e s i n vo i c e o r re c e i p t fo r the

Tra n s a c ti o n , a s s e t o u t i n S e c ti o n 1 S c he d u l e 1.

G o o d s an d S e rvice s

The Le n d e r s ha l l n o t b e l i a b l e fo r the c o n d i ti o n o r q u a l i ty o f the Go o d s /S e rvi c e s u n d e r the

Tra n s a c ti o n , a n d the Le n d e r s ha l l n o t e n te rta i n d i s p u te s b y the Bo rro we r fo r c l a i ms o f
u n s a ti s fa c to ry g o o d s o r s e rvi c e s .

S h o rtfall

In the e ve n t the Lo a n a mo u n t g ra n te d u n d e r thi s Ag re e me n t i s i n s u ffi c i e n t to wa rd s fu l fi l l i n g the to ta l p u rc ha

s e p ri c e o f the G o o d s /S e rvi c e s (the “ Pu rch as e Price ” ), the Bo rro we r s ha l l p a y fo r the s ho rtfa l l (the “ S h o rtfall”
) b e twe e n the Pu rc ha s e Pri c e a n d the Lo a n a mo u n t d i re c tl y to the M e rc ha n t, vi a G ra b Pa y o r a n y o the r p a yme
n t fo rms a c c e p te d b y the M e rc ha n t s u c h a s c a s h o r c a rd .

The Le n d e r s ha l l n o t b e l i a b l e fo r a n y S ho rtfa l l a mo u n t p a i d d i re c tl y b y the Bo rro we r to the M e rc ha n t.

D e live ry

The Le n d e r s ha l l n o t b e l i a b l e fo r the d e l i ve ry (i f a p p l i c a b l e ) o f the G o o d s /S e rvi c e s u n d e r the Tra n s a c ti o n t

o the Bo rro we r, whi c h s ha l l b e c a rri e d o u t b y the M e rc ha n t i n a c c o rd a n c e wi th the M e rc ha n t’s s ta n d a rd d e l i ve
ry p o l i c i e s .

Exch an g e s , R e tu rn s an d R e fu n d s

The Le n d e r s ha l l n o t b e l i a b l e i n a n y wa y fo r a n y e xc ha n g e s o r re tu rn s o f the G o o d s /S e rvi c e s u n d e r the

Tra n s a c ti o n , whi c h s ha l l b e p ro c e s s e d b y the Bo rro we r a n d the M e rc ha n t i n a c c o rd a n c e wi th the
M e rc ha n t’s o wn e xc ha n g e a n d re tu rn p o l i c i e s . In the e ve n t the Bo rro we r wi s he s to re q u e s t fo r a
re fu n d o f the Tra n s a c ti o n , the re q u e s t s ha l l b e p ro c e s s e d b y the M e rc ha n t i n a c c o rd a n c e wi th
the M e rc ha n t’s o wn re fu n d p o l i c i e s a n d the fo l l o wi n g re fu n d p o l i c i e s o f the Le n d e r:

The Bo rro we r s ha l l o n l y ma k e re q u e s ts fo r fu l l , a n d n o t p a rti a l , re fu n d s o f the Tra n s a c ti o n .

Al l re fu n d re q u e s ts s ha l l b e ma d e wi thi n thi rty (30) d a ys fro m the d a te o f the Tra n s a c ti o n .

In the e ve n t the M e rc ha n t a g re e s to a fu l l re fu n d o f the Pu rc ha s e Pri c e u n d e r the Tra n s a c ti o n , a n d the Pa rti e

s ha ve b e e n n o ti fi e d o f the s a me :
 If the Lo a n a mo u n t ha s a l re a d y b e e n d i s b u rs e d to the M e rc ha n t i n a c c o rd a n c e wi th C l a u s e 1.2 a b o ve , Pa
rti e s a g re e tha t thi s Ag re e me n t he re i n s ha l l b e te rmi n a te d a n d the fu l l Lo a n a mo u n t s ha l l b e re mi tte d b a
c k to the Le n d e r b y the M e rc ha n t d i re c tl y, wi tho u t a n y a c c ru e d fi n a n c e c ha rg e o n the a mo u n t re p a i d o r p r
e p a i d a n d wi tho u t p re mi u m o r p e n a l ty. The Le n d e r s ha l l re c o rd thi s re mi tta n c e a s a fu l l p re p a yme n t o f th
e Lo a n b y the Bo rro we r a n d c o mmu n i c a te thi s to the Bo rro we r i n wri ti n g . An y re p a yme n ts ma d e b y the Bo rr
o we r s ha l l b e re fu n d e d to the Bo rro we r b y the Le n d e r.;

If the Lo a n a mo u n t ha s n o t b e e n d i s b u rs e d to the M e rc ha n t a t the ti me the fu l l re fu n d i s a p p ro ve d b y a l l

p a rti e s , thi s Ag re e me n t s ha l l b e te rmi n a te d b y the Le n d e r wi th n o fu rthe r re c o u rs e to the Bo rro we r o r the
M e rc ha n t. An y Pro c e s s i n g Fe e p a i d b y the Bo rro we r to the Le n d e r s ha l l n o t b e re fu n d e d to the Bo rro we r;

S u b j e c t to C l a u s e 3.5(c ) a b o ve , i n the e ve n t o f a fu l l re fu n d o f the Pu rc ha s e Pri c e whe re the Bo rro we r ha s p a i

d the S ho rtfa l l a mo u n t d i re c tl y to the M e rc ha n t, the Bo rro we r s ha l l re q u e s t fo r a re tu rn o f the S ho rtfa l l a mo u n
t d i re c tl y fro m the M e rc ha n t wi th n o fu rthe r re c o u rs e to the Le n d e r.

R e p aym e n t

The Bo rro we r s ha l l re p a y the Lo a n to the Le n d e r o n the R e p a yme n t D a te [s ] s p e c i fi e d i n S e c ti o n

8 o f S c he d u l e 1, o ve r the re p a yme n t p e ri o d (“ T e n u re ” ) a s s p e c i fi e d i n S e c ti o n 9 o f S c he d u l e 1,
o r o n a n y o the r d a te to b e mu tu a l l y a g re e d b y the Le n d e r a n d the Bo rro we r i n wri ti n g .

Pre p aym e n t an d C an ce llatio n

C lick here to re ad th e fu ll T e rm s & C o n d itio n s

C lick here to re ad th e fu ll Lo an Ag re e m e n t​
I accept the Terms and Conditions.

Data Privacy *
T he Company is required to comply with all applicable laws, regulations, notices and guidelines issued by the relevant government and
regulatory authority, including Bangko Sentral ng Pilipinas (BSP) Circular No. 649, the Philippine Anti-Money Laundering Act of 2001, as
amended, and the T errorism Financing Prevention and Suppression Act of 2012.

Pursuant to such applicable laws, regulations, notices and guidelines, users of the GrabPay Wallet may be required to provide to the
Company such data to allow the Company to establish and verify their identity (together with, in the case of corporate account, the identity of
the beneficial owners, directors or individuals with executive authority, and individuals authorized to operate the account) both at the time of
opening the GrabPay Wallet account, at periodic intervals after opening the account, and on ongoing basis.

You hereby acknowledge and agree that the Company may collect such data on request, and use, disclose, share and process such data
provided for the purposes of establishing your identity and implementing an ongoing monitoring program to ensure the adherence of the
Company and the user to the applicable laws, regulations, notices and guidelines, together with sharing such data internally with its affiliates
and with third-party outsourcees (both in the Philippines and overseas), as well as in relation to transfers and reporting of such data and your
transactions to BSP, and such other government or regulatory authority as the Company may deem appropriate or as may be required under
any applicable laws, regulations, notices and guidelines. You hereby acknowledge and agree that the data collected shall be stored for as
long as reasonably necessary to comply with the requirements of the BSP, and such other government or regulatory authority as the Company
may deem appropriate or as may be required under any applicable laws, regulations, notices and guidelines.

You agree that you will cooperate in relation to any anti-money laundering and countering terrorism financing screening that is required and to
assist the Company in complying with any applicable laws, regulations, notices and guidelines in place. If you have any difficulties in
relation to your completion of the process to establish and verify your identity, please contact GrabPay at the telephone or email address
contained in Section 16.

You consent to the collection, use, processing and disclosure of your personal data to the following partners of the Company that may
include but are not limited to GrabPay, credit bureau partners, Globe Telecom, Inc., and Smart Communications, Inc. Your personal
information such as but not limited to financial information from the Company's partners may be shared back to the Company for the following
purposes:

(a) for the verification of the entered information in compliance with the regulations of Bangko Sentral ng Pilipinas and/or Securities &
Exchange Commission Philippines.

(b) to process your application and assess your eligibility for loans and financing and for the enablement of your GrabPay wallet, including but
not limited to conducting all necessary background checks that may include credit scoring and investigation, data analytics

(c) in the event that the application is approved, to administer the program; and

(d) where reasonable, in accordance with Grab's Privacy Policy found on https://www.grab.com/ph/terms-policies/privacy-policy/

Your personal data will remain in our care until the end of this process.
I C o n s e n t to D a ta S ha ri n g & Pri va c y Po l i c y.