{"id":126851,"date":"2026-10-16T21:17:00","date_gmt":"2026-10-16T13:17:00","guid":{"rendered":"https:\/\/www.grab.com\/ph\/?post_type=policy&p=126851"},"modified":"2026-10-16T21:19:11","modified_gmt":"2026-10-16T13:19:11","slug":"driver-cash-loan-terms-and-conditions","status":"publish","type":"policy","link":"https:\/\/www.grab.com\/ph\/terms-policies\/driver-cash-loan-terms-and-conditions\/","title":{"rendered":"Driver Cash Loan Terms and Conditions"},"content":{"rendered":"\t\t
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These Cash Loan Terms and Conditions (\u201cT&Cs\u201d) comprise the legal agreement between You (the Borrower) and Grab Financial Services Philippines, Inc. (\u201cGFSP\u201d, Us, We, Our\/s) should You apply for and be accepted for a Cash Loan with Us. Please read carefully these T&Cs, the Application Form, and once approved for the Loan, the Disclosure Statement, the Promissory Note\/s, the Amortization Schedule, and all the documents We give You. Together, they make up Your Loan contract and include the information We must provide You. The contract will start on the day we release Your Loan. These T&Cs is governed by the rules and regulations and all the applicable laws in the Philippines. By applying for a Cash Loan, You confirm to have read, understood, and agree to be bound by these T&Cs.<\/span><\/p>

By applying for and availing of Our Cash Loan, You agree to be bound by the Terms and Policies of Grab as shown in<\/span> https:\/\/www.grab.com\/ph\/terms-policies\/<\/span><\/a> (\u201cGeneral T&Cs\u201d). In case of conflict or inconsistency between the General T&Cs and this T&C, the terms of this T&C shall prevail.\u00a0<\/span><\/p>

  1. \u00a0 \u00a0 The Cash Loan<\/span><\/li><\/ol>

    Grab Financial Services Philippines, Inc.\u2019s Cash Loan (the \u201cCash Loan\u201c) is a multi-purpose loan offered to qualified driver-partners. The loanable amount is dependent on the result of the internal credit risk assessments that We\u2019ve conducted before offering the loan.<\/span><\/p>

    Final and complete details about your Cash Loan can be found in the Disclosure Statement we sent to you after the Cash Loan amount is disbursed.<\/span><\/p>

    1. \u00a0 \u00a0 Processing of Application and Availment of Cash Loan<\/span><\/li><\/ol>

      2.1\u00a0 \u00a0 You confirm that you have applied for the Cash Loan through the Grab App at your own discretion.<\/span><\/p>

      2.2\u00a0 \u00a0 You warrant that all information provided in your application is valid, true, and correct.<\/span><\/p>

      2.3\u00a0 \u00a0 You agree that incomplete or inaccurate information is a sufficient reason for Us to take legal action, reject your application and have no obligation to disclose the reasons for rejection. We have the sole discretion to approve only a portion of the requested loan amount.<\/span><\/p>

      2.4 \u00a0 You agree to promptly inform Us of any material changes to your information or documents.<\/span><\/p>

      2.5\u00a0 \u00a0 You acknowledge that We reserve the right to approve or reject your application and have no obligation to disclose the reasons for rejection. We have the sole discretion to approve only a portion of the requested loan amount.<\/span><\/p>

      2.6\u00a0 \u00a0 You understand that your approved loan amount depends on your credit standing and is subject to our credit underwriting policy.<\/span><\/p>

      2.7\u00a0 \u00a0 You agree to undergo an affordability assessment, considering your income and other factors, to ensure you can reasonably afford the loan. We may request for additional documentation like pay slips or tax returns and reserves the right to verify your income through third-party sources. The maximum loan amount will be based on your ability to repay, in accordance with relevant laws and regulations.<\/span><\/p>

      1. \u00a0 Loanable Amount<\/span><\/li><\/ol>

        You may, subject to Our approval, avail the minimum amount up to the maximum amount under which We have communicated to you via in-app messages, email, or SMS after We have conducted an affordability assessment using data We have collected in your Grab account.<\/span><\/p>

        You Cash Loan amount will be disbursed to your Grabpay Wallet or preferred disbursal method you have indicated in your application process, whichever is applicable.<\/span><\/p>

        1. \u00a0 Repayment<\/span><\/li><\/ol>

          4.1 \u00a0 You shall repay the Cash Loan to Us on the Repayment Date(s) specified in the Payment Schedule as shared to you in-app or via email upon loan disbursal, or on any other date to be mutually agreed.<\/span><\/p>

          4.2 \u00a0 You agree to pay all applicable interest, fees, and other charges as stated in the Disclosure Statement. These charges are subject to change over time based on existing laws and regulations.<\/span><\/p>

          4.3\u00a0 \u00a0 Notices of Payment are sent via in-app notifications and\/or SMS, or can be accessed in the Grab App, to inform you of the Total Amount Due and its Due Date. You are still obligated to pay the Monthly Installment even if you do not receive a Notice of Payment.<\/span><\/p>

          4.4 \u00a0 You must pay the Monthly Payment Amount on or before the Due Date every month until the Total Loan Amount is completely paid. The Monthly Payment Amount can be found in the Amortization Schedule shared with you in-app, email or SMS after the Loan Amount is disbursed.<\/span><\/p>

          4.5 \u00a0 If you fail to pay on the Due Date, your account will be considered past due. You may be liable for a Late Penalty Fee on the overdue principal amount per day, in addition to other fees and interest. You may refer to the Disclosure Statement for the amount of Late Penalty Fee (if applicable).<\/span><\/p>

          4.6 \u00a0 We have the right to automatically deduct the Total Amount Due or any of the Monthly Payment until all outstanding obligations are fully settled.<\/span><\/p>

          4.7\u00a0 \u00a0 Any payments you make will be applied in the following order: (i) penalties; (ii) interest; and (iii) principal.<\/span><\/p>

          4.8\u00a0 \u00a0 You may repay the total outstanding balance (which is the total amount you owe Us that shall constitute the remaining Cash Loan amount, the total interest payable, and other applicable charges in relation to your loan availment, such as the documentary stamp tax and service fee (if any), or a portion of it, early at any time before its Maturity Date (or the specific date by which the full outstanding balance of the loan, including principal and all accrued interest, must be completely repaid by you), subject to the payment of all accrued interest charges, penalties, or other amounts due. In case of overpayment, the excess amount will be applied as prepayment for the outstanding principal. Any payment in excess of the total outstanding balance will be refunded to your Grabpay Wallet.<\/span><\/p>

          1. \u00a0 \u00a0 Cooling-Off and Prepayment<\/span><\/li><\/ol>

            5.1\u00a0 \u00a0 You have three (3) business days as cooling-off period to cancel the loan without penalties. This period starts from the date the loan amount is disbursed to your Grabpay Wallet. To cancel, you must send an email to grabph.loan@grabtaxi.com. You must promptly return any disbursed funds without deductions, or the cancellation will be null and void.<\/span><\/p>

            5.2\u00a0 \u00a0 If, at any time, it is or will become unlawful for Us to perform any of Our obligations under these T&Cs or to fund or maintain the Cash Loan.<\/span><\/p>

            (a)\u00a0 \u00a0 We shall promptly notify You upon becoming aware of that event; and<\/span><\/p>

            (b) \u00a0 \u00a0 You must repay the Cash Loan on the date We specified in the notice delivered to You (being no earlier than the last day of any applicable grace period permitted by law).<\/span><\/p>

            5.3\u00a0 \u00a0 You may prepay the Cash Loan, in whole or in part, at any time before the Due Date, subject to applicable fees and charges, and the following conditions:<\/span><\/p>

            (a)\u00a0 \u00a0 You must provide written notice or electronic mail to Us should you decide to prepay your Cash Loan Amount specifying the amount of the prepayment and the date on which you desire to make prepayment. The final terms of this prepayment shall be explicitly agreed between both parties before prepayment.<\/span><\/p>

            (b)\u00a0 \u00a0 The full prepayment amount shall be equal to the outstanding principal balance of loan plus any accrued and unaccrued interest. After which, the unaccrued interest and\/or overpayments shall be rebated.<\/span><\/p>

            (c)\u00a0 \u00a0 We reserve the right to accept or reject any prepayment in Our sole discretion based on legitimate or reasonable grounds. In the event of rejection, You will be notified promptly, and these T&Cs will remain unchanged.<\/span><\/p>

            1. \u00a0 \u00a0 Taxes and Other Charges<\/span><\/li><\/ol>

              6.1\u00a0 \u00a0 You will be charged with Processing Fee in accordance with the percentage rate shown in the Disclosure Statement. The calculation of the Processing Fee will be as follows:<\/span><\/p>

              [(Total Cash Loan amount\/Period for Repayment) x % Processing Fee Rate] x Period for Repayment<\/span><\/p>

              Illustration:<\/span><\/p>

              Total Cash Loan Amount = P10,000<\/span><\/p>

              Period for Repayment = 3 months<\/span><\/p>

              % Processing Fee = 1%<\/span><\/p>

              P10,000\/3 months = P3,333.33<\/span><\/p>

              1%x3,333.33=P33.33<\/span><\/p>

              P33.33\u00d73=P99.99<\/span><\/p>

              Processing Fee chargeable every month is P99.99.<\/span><\/p>

              6.2\u00a0 \u00a0 As applicable, if You fail to pay the Cash Loan on the Repayment Date, you agree to pay a Late Penalty Fee on all outstanding loans from and including the date of such failure to pay to the date of actual payment at the rates specified in Disclosure Statement.<\/span><\/p>

              6.3\u00a0 \u00a0 Your Loan Amount will be subjected to stamp duty, registration, notarial and other similar taxes payable in respect of the Cash Loan. Should you be obliged to shoulder the taxes, costs, and expenses, you are required to indemnify Us against any cost, loss or liability We incur in relation to any stamp duty, registration, notarial or other similar taxes paid or payable in respect of the Cash Loan within ten (10) business days of notice or demand.<\/span><\/p>

              You agree that any and all taxes which may be due and payable on account of or with respect to Your Cash Loan, as well any processing or other fees charged by Us, shall be borne by You and will be for Your sole account. You agree to shoulder any and all fees charged by Us to which You have instructed Us to transfer the proceeds of the Cash Loan\/s You avail in connection with the disbursement of such loan\/s availed through electronic transfer of funds, if applicable. In the event that You pay any amount due under the Cash Loan by way of a check and such check is returned or dishonored by the drawee bank, You shall pay Us a Returned Check Fee in an amount communicated to You. You further agree to pay such other fees and charges in connection with the Cash Loan\/s You availed that may be imposed by us at Our option and communicated to You in advance. You agree that the amount of the said fees may be revised from time to time, as We deem necessary and as communicated to You in advance.<\/span><\/p>

              1. \u00a0 \u00a0 Representations, Warranties, Covenants<\/span><\/li><\/ol>

                You represent and warrant to Us that:<\/span><\/p>

                (a) \u00a0 You are of legal age, of sound mind, and have no legal or criminal impediments to enter into this T&Cs;<\/span><\/p>

                (b)\u00a0 \u00a0 You confirm that your other loans and credit obligations (if any) are not delinquent as of the Loan Booking Date;<\/span><\/p>

                (c)\u00a0 \u00a0 All documents and information you have provided are current, authentic, and accurate;<\/span><\/p>

                (d) \u00a0 You agree that the loan will be used exclusively for the purpose you stated in your application.<\/span><\/p>

                (e)\u00a0 \u00a0 You are responsible for keeping your PIN and Password secure;<\/span><\/p>

                (f) \u00a0 \u00a0 The use of your user ID, PIN, one-time passwords (OTP), and other account credentials is considered your irrevocable authorization for Us to carry out transactions that You initiate. You are solely responsible for any financial losses resulting from fraudulent or negligent activity by your agents or representatives using your account credentials;<\/span><\/p>

                (g) \u00a0 \u00a0 In case of a lost or stolen device, SIM, or account fraud, you must immediately report it to our customer support hotline http:\/\/help.grab.com\/passenger\/en-ph\/115005277227. You remain liable for all transactions made through your account before the loss or theft is reported;<\/span><\/p>

                (h) These T&Cs, the General T&Cs of Grab, and other relevant documents and instruments mentioned, when executed, shall be valid and binding upon you ad enforceable in accordance with the respective terms and conditions hereof.<\/span><\/p>

                1. \u00a0 \u00a0 Covenants<\/span><\/li><\/ol>

                  8.1\u00a0 \u00a0 As long as any part of the loan remains unpaid, you agree to:<\/span><\/p>

                  (a)\u00a0 \u00a0 Punctually pay all amounts due and perform all obligations to prevent your account from being in default;<\/span><\/p>

                  (b)\u00a0 \u00a0 Provide any documents or information that government regulators or We may require;<\/span><\/p>

                  (c)\u00a0 \u00a0 Immediately update your account in the Grab App if any of your information changes;<\/span><\/p>

                  (d)\u00a0 \u00a0 Sign and delivery any documents requested by Us to give full effect to these T&Cs or to comply with internal policies.<\/span><\/p>

                  8.2\u00a0 Compliance with Driver Terms and Conditions<\/span><\/p>

                  The Borrower shall and hereby undertakes to continue to observe, perform and be bound by all whatsoever conditions, covenants, liabilities and stipulations under the driver terms and conditions as listed in https:\/\/www.grab.com\/ph\/terms\/driver\/ (the \u201cDriver Terms and Conditions\u201d).<\/span><\/p>

                  8.3. Pari Passu Ranking<\/span><\/p>

                  The Borrower shall and hereby undertakes to continue to observe, perform and be bound by all whatsoever conditions, covenants, liabilities and stipulations under the driver terms and conditions as listed in https:\/\/www.grab.com\/ph\/terms\/driver\/ (the \u201cDriver Terms and Conditions\u201d).<\/span><\/p>

                  8.4 Set-off<\/span><\/p>

                  The Lender may set off any matured obligation due from the Borrower under this Agreement against any matured obligation owed by the Lender to the Borrower, regardless of the place of payment, booking branch or currency of either obligation.<\/span><\/p>

                  8.5. Ring Fencing Mechanism<\/span><\/p>

                  The Borrower agrees that the Lender may specifically earmark, in either the GPay Wallet, Grab driver application and the Moveit driver application its driver ledger account, for the repayment of the loan. In view of the foregoing, the Parties shall do the following:<\/span><\/p>

                  1. Lender shall have the right to monitor, verify, and hold the balance and transactions within the GPay wallet and the Grab or Moveit ledger accounts, whichever is applicable;<\/span><\/li>
                  2. Borrower shall not transfer funds from either their GPay wallet or Grab or Moveit ledger accounts, if the same shall result to non-repayment of the whole amount; and<\/span><\/li>
                  3. Borrower authorizes Lender to initiate automatic withdrawals or transfers from either their GPay wallet or Grab or Moveit ledger accounts to satisfy the periodic Loan repayment obligations, including principal and interest.<\/span><\/li><\/ol>
                    1. \u00a0 \u00a0 Personal Data<\/span><\/li><\/ol>

                      By availing of the Grab Cash Loan and using Our services, you agree that We, Our affiliates, and Our partners may collect, hold, and process your personal information as outlined in Our Data Privacy Notice available at<\/span> https:\/\/www.grab.com\/ph\/terms-policies\/privacy-notice\/<\/span><\/a>.<\/span><\/p>

                      1. \u00a0 Collection<\/span><\/li><\/ol>

                        10.1 \u00a0 We may, at its sole discretion, appoint and authorize agents to make reminder calls or send messages via various channels such as but not limited to SMS, email, and messaging apps for pre-due loans, or to collect any and all sums owed to Us from you.<\/span><\/p>

                        10.2 \u00a0 We will notify you in writing at least seven (7) days before endorsing your account to a collection agency.<\/span><\/p>

                        10.3 \u00a0 If We hire an attorney or collection agency, you will be responsible for all attorney\u2019s and agency fees incurred in collecting the Total Amount Due.<\/span><\/p>

                        10.4 \u00a0 We may earmark funds in the Grabpay Wallet for loan repayment. We have the right to monitor and hold balances in the Grabpay Wallet. You are not to transfer funds from the Grabpay Wallet if it results in non-repayment. You authorize Us to initiate automatic withdrawals from your Grabpay wallet and from your enrolled payment method to satisfy loan repayment obligations, including penalties, principal, and interest.<\/span><\/p>

                        1. Events of Default<\/span><\/li><\/ol>

                          11.1\u00a0 \u00a0 An Event of Default occurs if any of the following happens:<\/span><\/p>

                          (a) \u00a0 \u00a0 You fail to make a full payment on the Total Amount Due for consecutive months.<\/span><\/p>

                          (b) \u00a0 \u00a0 You fail to perform any of your obligations or violate any provision of these T&Cs.<\/span><\/p>

                          (c)\u00a0 \u00a0 \u00a0 You provide false or inaccurate information, or commit a fraudulent activity;<\/span><\/p>

                          (d)\u00a0 \u00a0 \u00a0 You fail to update your account with material information;<\/span><\/p>

                          (e)\u00a0 \u00a0 \u00a0 Upon Our reasonable assessment, your statement or action constitute an anticipatory refusal of your material obligations under this T&Cs;<\/span><\/p>

                          (f)\u00a0 \u00a0 \u00a0 You fail to provide any documents or information requested by Us;<\/span><\/p>

                          (g) \u00a0 \u00a0 You become incapacitated or die;<\/span><\/p>

                          (h) \u00a0 \u00a0 The T&Cs are no longer a legal, valid, or binding obligation due to a change in law or regulation;<\/span><\/p>

                          (i)\u00a0 \u00a0 \u00a0 Any other circumstance arises that gives Us reason to believe you may not be able to fulfill your obligations.<\/span><\/p>

                          1. \u00a0 Consequences of Default<\/span><\/li><\/ol>

                            12.1 \u00a0 If an Event of Default occurs, We can, at its sole discretion, and without prior notice or demand, take the following actions:<\/span><\/p>

                            (a)\u00a0 \u00a0 We can impose a collection of interest, penalties, and other fees. These charges are cumulative and will be added to the Total Amount Due;<\/span><\/p>

                            (b)\u00a0 \u00a0 We can declare the entire loan, including all outstanding balances, fees and penalties, to be immediately due and payable;<\/span><\/p>

                            (c)\u00a0 \u00a0 This includes locating you and conducting visits to your home or office. We may also endorse the collection of your outstanding balances to a collection agency;<\/span><\/p>

                            (d)\u00a0 \u00a0 Limit or suspend your Grab Account, and access to Grab services (like GrabCar, GrabFood, GrabExpress, and GrabPay), promotion, deals, and campaigns if you fail to pay back a Cash Loan on time. We\u2019ll decide this based on our reasonable judgment, and we won\u2019t be liable to you for doing so;<\/span><\/p>

                            (e)\u00a0 \u00a0 We can, without notice, deduct your obligations (including monthly installments, fees, and taxes) from your nominated account or any other accounts\/payment methods you hold with Us;<\/span><\/p>

                            (f) \u00a0 \u00a0 Upon payment default, We can contact you using the contact details and other methods you provided. This includes using reasonable skip tracing methods (which may include reaching out to nominated contacts whenever applicable, filed visits, etc.) to locate you if you are uncontactable;<\/span><\/p>

                            (g)\u00a0 \u00a0 We can report your default toa credit bureau, which may negatively affect your credit rating;<\/span><\/p>

                            (h)\u00a0 \u00a0 We have the right to take legal action against you;<\/span><\/p>

                            (i) \u00a0 \u00a0 We may terminate, suspend, or revoke your right to use any of your account\/s and\/or other credit facilities with Us.<\/span><\/p>

                            1. \u00a0 Non-Waiver of Rights<\/span><\/li><\/ol>

                              (a)\u00a0 \u00a0 Our acceptance of a late payment or a payment after legal action has begun will not be considered an extension of the payment deadline or a change to the terms of your agreement. It will not negatively affect Our right to take action against you.<\/span><\/p>

                              (b) Any failure or delay by Us in exercising its rights or remedies under these terms and conditions will not be considered a waiver of those rights. Any waiver is only valid if it is in writing and delivered to you.<\/span><\/p>

                              1. \u00a0 Security and Enforcement<\/span><\/li><\/ol>

                                14.1 \u00a0 In consideration of the Loan, the Borrower hereby absolutely and irrevocably grants a first ranking assignment and a first ranking fixed charge over all the present and future rights, title and interest in and to his\/her GPay Wallet or the Grab\/Moveit ledger account including all amounts from time to time and at any time standing to the credit of the GPay Wallet or the Grab\/Moveit ledger account whether deposited in or credited to the said GPay Wallet or the Grab\/Moveit ledger account or otherwise (\u201cAssigned Property\u201d) to the Lender as security for:<\/span><\/p>

                                (a) the Loan any Finance Charge accrued on the Loan; and<\/span><\/p>

                                (b) the complete and timely payments of the Loan and any applicable Finance Charge on the respective Repayment Dates in accordance with Section 8 of Schedule 1;(collectively, \u201cSecured Obligations\u201d).<\/span><\/p>

                                14.2. Continuing security<\/span><\/p>

                                The Borrower hereby agrees and declares that the assignment and charge under Clause 13.1 is expressly intended to be and shall be a continuing security for the Secured Obligations and shall continue to be held by the Lender until all the outstanding Secured Obligations have been settled fully notwithstanding the Borrower may at any time or from time to time cease to be indebted to the Lender for any period or periods and notwithstanding a bankruptcy whether voluntary or compulsory, to the extent permissible by Philippine Law.<\/span><\/p>

                                14.3 Notice of assignment<\/span><\/p>

                                (a) The Borrower hereby irrevocably appoints the Lender or such other person or persons as the Lender may designate as its nominee, agent and in the name of the Borrower to execute under hand, on behalf of the Borrower and deliver or cause to be executed under hand on behalf of the Borrower and delivered to GPay PH Inc. Notice(s) of Assignment in respect of the Assigned Property in the form set out in the relevant schedule (\u201c NOA for Assigned Property>\u201d).<\/span><\/p>

                                (b) Such NOA for Assigned Property or document executed by such nominee or agent shall have effect as if the NOA for Assigned Property or document is executed by the Borrower.<\/span><\/p>

                                (b) The authority granted to the Lender or such other person under this clause shall remain in force until revoked and the Lender or such other person is hereby empowered and authorised to give full effect to each document in such manner and at such time and times as it deems fit with full power to do and execute the NOA for Assigned Property on behalf of the Borrower.<\/span><\/p>

                                14.4 Enforcement of security<\/span><\/p>

                                If the Borrower fails to pay any amount due and payable under this Agreement, or if any Event of Default occurs and notwithstanding anything contained herein to the contrary, the Lender shall be entitled forthwith to:<\/span><\/p>

                                (a)\u2003\u2003instruct the Lender to block any withdrawals by the Borrower from any credit balance standing to the GPay Wallet or the Grab or Moveit ledger accounts until the outstanding payments under the Agreement have been made to the Lender; and<\/span><\/p>

                                (b)\u2003 \u2003 to pay over to the Lender any credit balance standing to the GPay Wallet or the Grab or Moveit ledger accounts towards satisfaction of the shortfall, or take such action (whether on its own accord or through its agent(s)) as may be appropriate against the Lender, including action to sue and institute by way<\/span><\/p>

                                of civil suit for the recovery of the outstanding Loan and applicable Finance Charge either before, after or concurrent with the action to enforce the security towards satisfaction of the Secured Obligations. Nothing in this section shall affect the Parties’ rights and obligations arising under this Agreement.<\/span><\/p>

                                14.5. Release of security<\/span><\/p>

                                Notwithstanding any other provision under this Agreement, the security created pursuant to this Clause 14 shall not be released until the Loan and any applicable Finance Charge has been paid and discharged in full.<\/span><\/p>

                                1. \u00a0 General Provisions<\/span><\/li><\/ol>

                                  15.1 \u00a0 You shall ensure that Your obligations under the Cash Loan will rank at all times at least pari passu in right of priority and payment with the claims of all of Your other unsecured and unsubordinated creditors, except for obligations mandatorily preferred by law.<\/span><\/p>

                                  15.2\u00a0 \u00a0 These T&Cs shall inure to the benefit of and be binding upon the parties hereto and the respective successors and assigns, except that You may not, without prior written consent from Us, assign or transfer any of its rights or obligations hereunder and We may at any time assign all or part of its rights and benefits under these T&Cs and\/or the Cash Loan may grant participation in its rights and obligations in whole or in part upon such terms and conditions as We may think fit.<\/span><\/p>

                                  15.3\u00a0 \u00a0 We reserve the right to change product features, fees, interest rates, and other applicable charges with reasonable notice.<\/span><\/p>

                                  15.4 \u00a0 Notices will be sent via available channels like in-app notifications, SMS, email or registered mail.<\/span><\/p>

                                  15.5\u00a0 \u00a0 The terms and conditions are governed by and construed in accordance with Philippine laws. Any actions related to the agreement must be brought exclusively to the appropriate courts of Pasig City, Philippines.<\/span><\/p>

                                  15.6\u00a0 \u00a0 If any provision becomes illegal, valid, or unenforceable, the legality, validity, and enforceability of the remaining provisions will not be affected<\/span><\/p>

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