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.
"ACCOUNT" – refers to the 24k membership and/or 24k Online Portal account.
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 Card Holder. The Card Holder 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 Card Holder shall be liable for all transactions made through the use of the
24k Virtual Card.
4. MEMBERSHIP
All Cebuana Lhuillier clients and existing 24k Card Holders can get the 24k Virtual
Card by registering to the 24k Online Portal
5. TERMS OF USE
By using this website ("24k Online Portal"), the Card Holder agrees to be bound by
these Terms and Conditions of Use. The Issuer reserve the right to amend these terms
and conditions at any time. If the Card Holder disagree with any of these Terms and
Conditions of Use, the Card Holder must immediately discontinue the access to 24k
Online Portal and use of its services. Continued use of 24k Online Portal will mean
that the Card Holder accepts these Terms and Conditions of Use, and the Card Holder
accepts 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 withno 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, Appraisal Calculator, Online Appointment, Buy eLoad Using
Points, Buy Insurance Using Points, Get Coupons Using Points, Change Password, Change
eServices PIN and View Personal Information.
The Card Holder can use points in availing the Services. All Services ask confirmation
before completion. After confirmation and 24k point/s has been deducted, the transaction
is complete. Points used for redemption of Services are non-refundable.
The Issuer reserves the right to change, modify, substitute, suspend or remove without
notice any information or Services on the 24k Online Portal from time to time. The Card
Holder’s 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. The Issuer will attempt to restore such access as soon as the Issuer reasonably
can.
The Issuer reserves 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.
The Card Holder 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 Card Holder’s fault or negligence. The Issuer
encourages the Card Holder to change password regularly, especially when account details
have been exposed.
It is the Card Holder'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 Card Holder'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
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24K POINTS EARNINGS TABLE
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TRANSACTION
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24k VIRTUAL CARD
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24k GOLD VIRTUAL CARD
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CEBUANA BRANCH TRANSACTIONS
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Pawning (New or Renewal)
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1 point for every PHP 30 transaction fee paid
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1 point for every PHP 25 transaction fee paid
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International Payout
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3 points for every transaction, through any partner, regardless of amount
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International Sending
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5 points for every transaction through Moneygram and Western Union, regardless of amount
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Domestic Remittance Sending
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1 point for every PHP 30 transaction fee paid
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1 point for every PHP 25 transaction fee paid
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Domestic Remittance Payout
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1 point for every transaction, regardless of amount
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ProtectMAX Insurance Buying
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1 point for every PHP 30 premium fee paid
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1 point for every PHP 25 premium fee paid
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Opening of a New MicroSavings Account
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2 points for every new MicroSavings Account opened
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IN-APP TRANSACTIONS
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eCebuana
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1 point for every applicable trasaction in eCebuana app, regardless of amount
but minimum of PHP 500 per transaction.
Applicable eCebuana transactions:
Bills Pay, DomRem, Eload, Instapay, and On-us Fund Transfer
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24K POINTS REDEMPTION TABLE
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PRODUCTS AND SERVICES
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VIA CEBUANA BRANCH
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VIA 24k ONLINE PORTAL
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CEBUANA LHUILLIER PRODUCTS AND SERVICES
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Pawning (New & Renewal)
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Transaction Fees
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n/a
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International Remittance (Sending & Payout)
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Transaction Fees
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n/a
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Domestic Remittance (Sending & Payout)
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Transaction Fees
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n/a
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Insurance - Premium Fees
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ProtectMAX
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Personal Accident PRIME & Personal Accident PLUS
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Microsavings Account
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Card Availment
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n/a
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E-load Smart, Sun & Globe
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Regular Load 20, 30, 50, and 100
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Regular Load 20, 30, 50, and 100
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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 Card Holder will be entitled to discount on transaction fees and certain
privileges in selected merchants and partner establishments.
- The Card Holder is also entitled to special service offerings and other exciting
freebies.
10. EXPIRY OF REWARD POINTS
If a 24k Virtual Card is dormant for one (1) year, the stored Reward Points shall
be forfeited.
11. ACCREDITTED ESTABLISHMENT
The Issuer shall be honored at all accredited merchants. However, the Issuer shall not
be liable to the Card Holder, if for any reason, the Merchant does not honor the 24k
Virtual Card. The Card Holder 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.
12. ACCOUNT AND/OR MEMBERSHIP TERMINATION
In the event the Card Holder(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 Card Holder dies,
the right to use the 24k Virtual Card shall forthwith be terminated, without the
necessity of demand, which the Card Holder hereby waives.
The Issuer may, at its discretion, with or without notice, and without assuming any
liability to the Card Holder or third parties, terminate the Card Holder’s account,
cancel any transactions associated with the Card Holder’s account, temporarily or
permanently withhold points, and/or take any other actions that the Issuer deems
necessary. These measures may be implemented upon reasonable assessment that there has
been, (a) violation of these Terms and Conditions; (b) illegal, fraudulent, harassing,
defamatory, threatening, or abusive behavior; (c) creating multiple user accounts; and
(d) coupon/promotion abuse; This clause is not exclusive of other remedies that may be
available to the Issuer under existing Philippine laws.
13. PROHIBITIONS
The Card Holder must not misuse the 24k Online Portal and any of its services. The Card
Holder shall not use any automated systems or software to extract data from this platform
for any purpose. The Card Holder shall not commit or encourage a criminal offence, transmit
or distribute a virus including but not limited to Trojan horse, worm, logic bomb or post
any other material on the platform which is malicious, technologically harmful, in breach
of confidence or in any way offensive or obscene; hack into; corrupt data; cause annoyance
to other users; commit fraud, infringe upon the rights of any other person’s proprietary
rights; send any unsolicited advertising or promotional material; or attempt to affect the
performance or functionality of any computer facilities of or accessed throughout the
platform. In the event such breach occurs, the Issuer will report the breach to the relevant
law enforcement authorities and appropriate legal action will be taken.
All unredeemed rewards points including rewards points pending credit into the account of
the Card Holder shall immediately become invalid, and shall be forfeited upon the occurrence
of fraud and abuse relating to the earning of rewards points in the rewards program or
redemption of rewards items, as reasonably determined by the Issuer.
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 Card Holder 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 Card Holder confirms to have read
and understood the Terms and Conditions herein by agreeing on the 24K Virtual Card.