Terms of Use
Last updated: January 2026
By accessing or using Loan National ID ("this site," "we," "us"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this site.
Informational Purpose Only
Content on this site is provided for general informational and educational purposes about PhilSys National ID and Philippine loan apps. It does not constitute financial, legal, or professional advice, and should not be relied upon as a substitute for independent verification with the relevant government agency, regulator, or lender, or for professional financial or legal advice tailored to your specific situation.
No Lending Services
This site does not process loan applications, extend credit, act as a lender, broker, or agent for any lender, or collect National ID numbers or copies of government ID from visitors. All loan applications must be made directly through the respective lender's official app or website, and all lending decisions are made solely by that lender under its own terms.
Accuracy of Information
We make reasonable efforts to keep information on this site accurate and current, using the research and verification standards described in our Editorial Policy. However, lender policies, interest rates, loan ceilings, and applicable regulations change frequently, and we do not guarantee that all information is complete, current, or error-free at all times. Always verify details directly with the relevant lender or government agency before acting on them, and treat any specific figures on this site as a starting reference point rather than a final answer.
Acceptable Use
You agree to use this site only for lawful purposes. You may not use this site to attempt unauthorized access to our systems, to scrape or republish substantial portions of our content without permission, to transmit malicious code, or to use the site in any way that could damage, disable, overburden, or impair its functioning for other users. You also agree not to use this site to impersonate Loan National ID, any lender named on this site, or any government agency in a way that could mislead others.
Intellectual Property
The text, structure, and original graphics on this site are the property of Loan National ID unless otherwise noted, and are protected by applicable copyright law. You may share links to our pages and quote brief excerpts with proper attribution for non-commercial purposes. Reproducing substantial portions of our content elsewhere without permission is not permitted. Third-party logos, trademarks, and brand names referenced on this site (for example, names of banks or lending apps) belong to their respective owners and are used here for identification and informational purposes only, not to imply endorsement or partnership.
No Affiliation
This site is not affiliated with, endorsed by, or connected to the Philippine Statistics Authority (PSA), the PhilSys program, the Securities and Exchange Commission (SEC), the Bangko Sentral ng Pilipinas (BSP), the National Privacy Commission (NPC), or any lender, bank, or app named on this site. References to these entities and their programs are for informational and comparison purposes only.
Third-Party Links
This site contains links to external websites and applications, including lender apps, government resources, and regulatory bodies. We are not responsible for the content, accuracy, availability, or privacy and security practices of these third-party sites. Following a link from this site does not constitute an endorsement of that destination, and any transaction or account you create through a linked site is governed entirely by that site's own terms and privacy policy, which we encourage you to read before proceeding.
Limitation of Liability
To the fullest extent permitted by applicable law, Loan National ID, its author, and any contributors are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or reliance on, information published on this site, including decisions related to loan applications, ID submission, or interactions with any third-party lender. This site is provided "as is" without warranties of any kind, express or implied.
Indemnification
You agree to indemnify and hold harmless Loan National ID and its author from any claims, damages, or expenses arising from your violation of these Terms of Use or your misuse of this site.
Governing Law
These Terms of Use are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law principles. Any disputes arising from your use of this site will be subject to the exclusive jurisdiction of the appropriate courts of the Philippines.
Severability
If any provision of these Terms of Use is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
Age Requirement
This site is intended for use by individuals who are at least 18 years old, or the age of majority in their jurisdiction, consistent with the minimum age typically required by Philippine lenders to enter into a loan agreement. By using this site, you represent that you meet this requirement.
Entire Agreement
These Terms of Use, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Loan National ID regarding your use of this site, superseding any prior agreements or understandings.
Changes to These Terms
We may update these terms from time to time to reflect changes in our practices, our content, or applicable law. The "Last updated" date above reflects the most recent revision. Continued use of this site after changes are posted constitutes acceptance of the revised terms.
Contact
Questions about these terms: admin@loannationalid.com