CEBUANA LHUILLIER 24K VIRTUAL CARD
TERMS AND CONDITIONS

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. 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.

16. 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).

17. 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.

18. 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.

19. 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.