TERMS OF USE
Last Updated: 25 May 2026
Welcome to MTR CredTrust, OPC ("Company," "we," "us," or "our"). These Terms of Use govern your access to and use of our website located at www.mtrcredtrust.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use the Site.
Nature of Services
- Information Only: This Site provides information regarding our third-party debt collection services.
- No Legal Advice: Content on this Site does not constitute legal or financial advice.
- Third-Party Operations: We operate as an independent contractor for our clients.
Permitted Use
- Legal Compliance: You must use this Site in compliance with all applicable Philippine laws.
- Age Restriction: You must be at least 18 years old to use this Site.
- Authorized Access: You may only access public areas or sections specifically authorized for your use.
Prohibited Conduct
You agree not to engage in any of the following prohibited activities:
- Data Scraping: Extracting data using automated bots, spiders, or scrapers.
- System Interference: Introducing viruses, trojans, worms, or any malicious code.
- Unauthorized Probing: Testing the vulnerability of our network or breaching security measures.
- Cybercrime: Any actions that violate the Cybercrime Prevention Act of 2012 (Republic Act No. 10175).
Intellectual Property Rights
- Ownership: All text, graphics, logos, and code are the property of the Company.
- Restrictions: You may not copy, modify, distribute, or sell any Site content without prior written consent.
- Trademarks: Our brand names and logos are protected trademarks and cannot be used without permission.
Privacy and Data Protection
- Data Privacy Act: We handle personal data in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173).
- Privacy Policy: Please review our [Link to Privacy Policy] to understand how we collect, use, and safeguard your information.
Disclaimer of Warranties
- "As Is" Basis: The Site is provided without any warranties, express or implied.
- Accuracy: We strive for accuracy but do not guarantee that the content is error-free or completely up-to-date.
- Availability: We do not guarantee uninterrupted access to the Site.
Limitation of Liability
- Damages Cap: To the maximum extent permitted by Philippine law, the Company is not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site.
- Third-Party Links: We are not responsible for the content or safety of external websites linked on our Site.
Governing Law and Jurisdiction
- Governing Law: These Terms are governed by the laws of the Republic of the Philippines.
- Dispute Resolution: Any legal actions or proceedings arising from these Terms shall be filed exclusively in the competent courts of Quezon City, Philippines.
Changes to These Terms
- Modifications: We reserve the right to modify these Terms at any time.
- Notification: Changes become effective immediately upon being posted on the Site. Your continued use of the Site signifies acceptance of the revised Terms.
Contact Information
If you have any questions about these Terms of Use, please contact us at:
- Company Name: MTR CredTrust Outsourcing and Innovations OPC
- Address: 10F, Felina Corporate Plaza, 5 Eastwood Ave, Bagumbayan, Quezon City 1110
- Email: inquiry@mtrcredtrust.com
- Phone: +63 205 554 2237