Edm Cash LOAN AGREEMENT

Welcome to Edm Cash! This Agreement is a legally binding agreement between you (hereinafter referred to as "Borrower" or "you") and the Edm Cash platform (operated by PRIME GLOBAL FINANCE CORPORATION, hereinafter referred to as "we", "us", or "Edm Cash"). By downloading, registering, logging into, using the Edm Cash mobile application, or submitting a loan application, you acknowledge that you have read, understood, and agree to be bound by all terms of this Agreement.

If you do not agree to any part of this Agreement, you must immediately stop using the App and related services.

I. Lending Service Provider Information

Lending Entity: PRIME GLOBAL FINANCE CORPORATION
SEC Registration Number: A199610344
Lending License Number: 185
Registered Address: 6th Floor, MC Square Bldg., No. 735 Mindanao Ave., QUEZON CITY, SECOND DISTRICT, NATIONAL CAPITAL REGION (NCR)

Edm Cash is the official online lending platform of PRIME GLOBAL FINANCE CORPORATION. The company holds a lending license issued by the Securities and Exchange Commission (SEC) of the Republic of the Philippines. All business activities strictly comply with applicable Philippine laws and regulations.

II. Core Loan Product Features

Loan Amount: The loan amount ranges from PHP 2,000 to PHP 50,000 per transaction.
Loan Term: The minimum term is 91 days and the maximum term is 180 days.
Annual Percentage Rate (APR): The APR ranges from 8% to 20%. The final interest rate will be determined based on your credit assessment and will be clearly stated in your loan contract.

Early Repayment: You may prepay the full outstanding balance at any time without any prepayment penalty or fee.

III. Loan Cost Illustrations (For Reference Only)

The following examples help you understand the logic of loan cost calculation. Actual interest rates and repayment schedules shall be governed by the individual loan contract you sign.

Example 1: Loan of PHP 5,000 for 91 days at 15% APR results in total interest of approximately PHP 187. Total repayment amount upon maturity: PHP 5,187.

Example 2: Loan of PHP 15,000 for 120 days at 20% APR results in total interest of approximately PHP 986. Total repayment amount upon maturity: PHP 15,986.

IV. Borrower Eligibility Requirements

Before applying for a loan, please confirm that you meet all of the following conditions:

You are a citizen or legal permanent resident of the Republic of the Philippines.

You are between 20 and 65 years of age (inclusive) as of the application date.

You hold a valid government-issued ID of the Philippines (e.g., UMID, Driver's License, Passport, National ID).

You have a Philippine bank account or a verified e-wallet (GCash, PayMaya, etc.) under your own name.

You are able to provide true, complete, and up-to-date personal information.

V. Application, Approval and Disbursement

5.1 Application Steps

Download the Edm Cash App from an official app store.

Fill in your identity information, contact details, and income information as prompted.

Upload photos of your government-issued ID and complete facial liveness verification.

Read and agree to this Agreement and the Privacy Policy, then submit your loan application.

5.2 Approval and Disbursement

We will assess your creditworthiness through an automated system combined with manual review.

If approved, the loan amount will be transferred directly to the bank account or e-wallet you designated.

Under normal circumstances, disbursement occurs within 5 to 30 minutes after approval (bank or third-party payment channel delays may affect processing time).

VI. Repayment Rules

6.1 Repayment Methods

You may make repayments through any of the following channels:

Direct payment within the Edm Cash App (supports GCash, PayMaya, etc.)

Bank transfer to Edm Cash's official collection account

Over-the-counter at partner payment centers (e.g., 7-Eleven, Bayad Center, SM Bills Payment counters)

6.2 Repayment Due Date

Your specific repayment due date(s) and amount(s) will be shown on the "My Loans" page within the App.

You must complete the full payment by the end of the due date.

6.3 Early Repayment

You may fully prepay your loan at any time without any penalty.

When you prepay, interest will be calculated only up to the actual date of repayment.

6.4 Late Payment Handling

If you fail to pay the full amount on or before the due date:

Late payment penalties will be automatically calculated on a daily basis, within the limits permitted by law.

Your late payment record may affect your future credit applications.

If you anticipate difficulty in making a payment, please contact us as early as possible via customer support email (support@edmitweb.com). We will make reasonable efforts to provide appropriate repayment assistance options.

VII. Borrower's Undertakings

You hereby solemnly undertake to Edm Cash that:

All information you provide (including identity, contact, financial, etc.) is true, accurate, and free from any falsehood or omission.

The loan proceeds will be used solely for lawful personal or household consumption, and will never be used for gambling, high-risk investments, repayment of illegal debts, or any other unlawful or improper purposes.

You will keep your account credentials, password, and SMS verification codes confidential, not disclose them to any third party, and will be responsible for all actions taken under your account.

If there are any material changes to your contact details, bank account, income status, etc., you will promptly update them within the App or notify customer service.

VIII. Default

Any of the following events constitutes a default:

You provide false, forged, or fraudulent identity or document information, or impersonate another person.

You fail to pay the full amount due on the agreed repayment date and the delay exceeds 15 days.

You are declared bankrupt by a court or become incapacitated.

You breach any other material term of this Agreement.

Upon the occurrence of a default, we have the right to declare the entire loan immediately due and payable, requiring you to settle all outstanding principal and interest in one lump sum.

IX. Amendment and Termination

9.1 Amendment

We may amend this Agreement from time to time due to changes in laws and regulations or business adjustments. The updated version will be posted within the App. If you continue to use Edm Cash services, you will be deemed to have accepted the revised Agreement.

9.2 Termination

You may apply to delete your account and terminate this Agreement at any time through the "Account Settings" in the App, provided that you have no outstanding loans under your name. After your loan is fully settled, your account will be deleted and your personal information will be handled in accordance with the Privacy Policy.

X. Contact Us

If you have any questions about this Agreement or need repayment assistance, please contact us through the following channel:

Customer Support Email: support@edmitweb.com

Please keep a copy of this Agreement for your records. By using Edm Cash, you confirm that you have read, understood, and agree to this Loan Agreement and our Privacy Policy.