Cebuana Lhuillier Pawnshop

Cebuana Lhuillier Pawnshop (formerly known as Agencia Cebuana) commonly known as Cebuana, is a Philippine-based pawnshop and the flagship brand of PJ Lhuillier Group of Companies. Jean Henri Lhuillier is the current President and CEO of Cebuana.

Cebuana Lhuillier is a non-banking financial institution offering services such as pawn-broking, money remittance, insurance, bills payment, remit-to-account, corporate payout, collections, and e-loading. It is headquartered in Makati.

ABOUT US

Cebuana Lhuillier is the leading microfinancial services provider in the Philippines. Established in 1953 under Agencia Cebuana and later adopting its trade name Cebuana Lhuillier in 1987, this distinguished Filipino company has been dedicated to fulfilling its vision of empowering Filipinos through accessible financial services. Cebuana Lhuillier’s core offerings encompass a wide range of essential financial solutions, including pawning, microinsurance, banking services, loans, customized business-to-business solutions, and money transfer services such as domestic remittance, cash in cash out, bills payment, eload, remit to account, and digital to cash, instapay services. With almost 3,500 branches nationwide, Cebuana Lhuillier continues to be true to its core mission of breaking barriers in finance through effective financial inclusion offerings.

OUR MANIFESTO

Who are we? We are a Filipino company with a dream of empowering Filipinos through financial services, anytime and anywhere, from city to seaside, from every far-flung corner of a 7,000-island nation.

Who are we? We are the connection, the link that binds families, the bridge between islands, the bond uniting the people.

Who are we? We are Cebuana Lhuillier, a company born at the heart of the Philippines. Founded in Cebu in 1953, beginning with a single branch and a single-minded goal to empower disadvantaged Filipinos everywhere through financial inclusion and mobility. From our humble beginnings, we transformed ourselves into an expansive network with thousands of branches nationwide, thousands of domestic partner doors, and millions of partner doors all over the world. Today, we not only span the country, but multiple industries. And through our proprietary technology and impressive reach, we help millions of customers near and far so no one will ever be left behind.

Who are we? We are your most trusted financial partner, and we believe that every Filipino should have access to financial services. We are here to provide immediate and reliable bridge financing to help you achieve a better tomorrow, to let you send and receive financial care to your loved ones from here or abroad, to empower you with an affordable means to protect yourself and your family, to give everyone an opportunity to start their journey towards financial wellness through savings, to provide access to affordable investments, to make life more rewarding for everyone, and to share relevant services for your every need.

We work hard every day to serve all walks of life through our TechBrick advantage that provides cutting-edge solutions for all our customers wherever they may be. We are continuously revolutionizing the microfinance services industry through multiple apps that provide a more convenient and accessible array of microfinancial services to respond to the changing needs and lifestyles of our customers. With the customer as our priority, our TechBrick strategy creates a seamless transition between multiple online platforms and our expansive branch network, allowing us to assist our customers with their financial needs whenever, wherever.

Above all, we are a company with a heart, uplifting the lives of Filipinos so they can catch up with the rest. We help give the youth the education they deserve, we provide an avenue for people to excel, and we are always willing to extend a helping hand when our fellow Filipinos need it the most. Because that is who we are—we are entrepreneurs and innovators, we are game-changers, all because the Filipino deserves better. Through financial inclusion, we are here to improve the lives of Filipinos everywhere. We are Cebuana Lhuillier.

History

Cebuana Lhuillier Pawnshop began with four pawnshop outlets in Metro Manila in the mid-1980s.

In 1968, Philippe Jones Lhuillier, Henry Lhuillier's son, opened the first Lhuillier pawnshop at Libertad Street in Pasay under the trade name Agencia Cebuana.

It traces its roots to Cebu, where then-French Consul to the Philippines, Henry Lhuillier established his first chain of Agencias in 1935. Throughout the 70's and 80's, Philippe Jones Lhuillier opened more agencies in Metro Manila.

The company pursued further nationwide expansion in 1987 and adopted the trade name, “Cebuana Lhuillier.”

In 1998, Philippe Jones Lhuillier was appointed the Philippine Ambassador to Italy. Philippe Jones Lhuillier's son, Jean Henri Lhuillier, took the helm and became Cebuana Lhuillier Pawnshop's president and chief executive officer in the same year.

Jean Henri Lhuillier introduced Cebuana Lhuillier Pawnshop's auxiliary services remittance, insurance, bills payment, money changer, e-load, remit-to-account, corporate payout, and collections service.

It also became the first pawnshop and money remittance company to offer a membership rewards program for its clients in 2010. In the following year, Cebuana Lhuillier branches hit the 1,500 mark. In 2014, the firm started to reach out to potential customers in areas with limited access through its Cebuana Lhuillier On Wheels.

TERMS AND CONDITIONS

Introduction

Welcome to Cebuana Llhuillier (“Company”, “we”, “our”, “us”)!

These Terms of Service (“Terms”, “Terms of Service”) govern your use of our website located at cebuana.com (together or individually “Service”) operated by Cebuana Llhuillier.

Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages.

Your agreement with us includes these Terms and our Privacy Policy (“Agreements”). You acknowledge that you have read and understood Agreements, and agree to be bound of them.

If you do not agree with (or cannot comply with) Agreements, then you may not use the Service, but please let us know by emailing at support@cebuana.com so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service.

Communications

By using our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing at support@cebuana.com.

Purchases

If you wish to purchase any product or service made available through Service (“Purchase”), you may be asked to supply certain information relevant to your Purchase including but not limited to, your credit or debit card number, the expiration date of your card, your billing address, and your shipping information.

You represent and warrant that: (i) you have the legal right to use any card(s) or other payment method(s) in connection with any Purchase; and that (ii) the information you supply to us is true, correct and complete.

We may employ the use of third party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.

We reserve the right to refuse or cancel your order at any time for reasons including but not limited to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.

We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.

Contests, Sweepstakes and Promotions

Any contests, sweepstakes or other promotions (collectively, “Promotions”) made available through Service may be governed by rules that are separate from these Terms of Service. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms of Service, Promotion rules will apply.

 Refunds

We issue refunds for Contracts within 30 days of the original purchase of the Contract.

Content

Content found on or through this Service are the property of Cebuana Llhuillier or used with permission. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us.

Prohibited Uses

You may use Service only for lawful purposes and in accordance with Terms. You agree not to use Service:

0.1. In any way that violates any applicable national or international law or regulation.

0.2. For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.

0.3. To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation.

0.4. To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity.

0.5. In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.

0.6. To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of Service, or which, as determined by us, may harm or offend Company or users of Service or expose them to liability.

Additionally, you agree not to:

0.1. Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party’s use of Service, including their ability to engage in real time activities through Service.

0.2. Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.

0.3. Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.

0.4. Use any device, software, or routine that interferes with the proper working of Service.

0.5. Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.

0.6. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.

0.7. Attack Service via a denial-of-service attack or a distributed denial-of-service attack.

0.8. Take any action that may damage or falsify Company rating.

0.9. Otherwise attempt to interfere with the proper working of Service.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

No Use By Minors

Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using Service, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms. If you are not at least eighteen (18) years old, you are prohibited from both the access and usage of Service.

Intellectual Property

Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Cebuana Llhuillier and its licensors. Service is protected by copyright, trademark, and other laws of and foreign countries. Our trademarks may not be used in connection with any product or service without the prior written consent of Cebuana Llhuillier.

Copyright Policy

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on Service infringes on the copyright or other intellectual property rights (“Infringement”) of any person or entity.

If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to support@cebuana.com, with the subject line: “Copyright Infringement” and include in your claim a detailed description of the alleged Infringement as detailed below, under “DMCA Notice and Procedure for Copyright Infringement Claims”

You may be held accountable for damages (including costs and attorneys’ fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through Service on your copyright.

DMCA Notice and Procedure for Copyright Infringement Claims

You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

0.1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright’s interest;

0.2. a description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work;

0.3. identification of the URL or other specific location on Service where the material that you claim is infringing is located;

0.4. your address, telephone number, and email address;

0.5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

0.6. a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

You can contact our Copyright Agent via email at support@cebuana.com.

Error Reporting and Feedback

You may provide us either directly at support@cebuana.com or via third party sites and tools with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service (“Feedback”). You acknowledge and agree that: (i) you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback; (ii) Company may have development ideas similar to the Feedback; (iii) Feedback does not contain confidential information or proprietary information from you or any third party; and (iv) Company is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Company and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose.

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Cebuana Llhuillier.

Cebuana Llhuillier has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

For example, the outlined Terms of Use have been created using PolicyMaker.io, a free web application for generating high-quality legal documents. PolicyMaker’s Terms and Conditions generator is an easy-to-use free tool for creating an excellent standard Terms of Service template for a website, blog, e-commerce store or app.

YOU ACKNOWLEDGE AND AGREE THAT COMPANY SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD PARTY WEB SITES OR SERVICES.

WE STRONGLY ADVISE YOU TO READ THE TERMS OF SERVICE AND PRIVACY POLICIES OF ANY THIRD PARTY WEB SITES OR SERVICES THAT YOU VISIT.

 Disclaimer Of Warranty

THESE SERVICES ARE PROVIDED BY COMPANY ON AN “AS IS” AND “AS AVAILABLE” BASIS. COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THEIR SERVICES, OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED THEREIN. YOU EXPRESSLY AGREE THAT YOUR USE OF THESE SERVICES, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED FROM US IS AT YOUR SOLE RISK.

NEITHER COMPANY NOR ANY PERSON ASSOCIATED WITH COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES. WITHOUT LIMITING THE FOREGOING, NEITHER COMPANY NOR ANYONE ASSOCIATED WITH COMPANY REPRESENTS OR WARRANTS THAT THE SERVICES, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation Of Liability

EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD US AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF COMPANY HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF COMPANY, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Termination

We may terminate or suspend your account and bar access to Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.

If you wish to terminate your account, you may simply discontinue using Service.

All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

 Governing Law

These Terms shall be governed and construed in accordance with the laws of Philippines, which governing law applies to agreement without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.

Changes To Service

We reserve the right to withdraw or amend our Service, and any service or material we provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of Service, or the entire Service, to users, including registered users.

 Amendments To Terms

We may amend Terms at any time by posting the amended terms on this site. It is your responsibility to review these Terms periodically.

Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Service.

Waiver And Severability

No waiver by Company of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Company to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.

Acknowledgement

BY USING SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.

PRIVACY POLICY

PJ Lhuillier, Inc., the company behind Cebuana Lhuillier, is committed to respecting and protecting your data privacy rights as a data subject in accordance with RA 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations and other applicable laws of the Republic of the Philippines.

Why do we process your personal information (PI)?

We process PI for the following reasons:

Process your transaction(s) whenever you avail of our products and services;

Address your inquiries, concerns or complaints;

Comply with laws and regulations governing our products and services (i.e. AMLA, CIC, etc); and

Inform you about our new product/services offerings and promotions (“direct marketing”).

 Data Sharing

We may also share your PI with:

Our accredited third party personal information processors such as contractors, vendors, financial and legal consultants.

 Our affiliate companies (for commercial purposes, including direct marketing or profiling)

Such data sharing shall be done in a manner compliant with the Data Privacy Act of 2012. Your PI may also be processed electronically and/or manually.

 What information do we process?

To process general inquiries or concerns about the products and services we offer:

Your Full Name

Your E-mail Address

Contact numbers

To process your transactions covered by RA 9160, Anti-Money Laundering Law Act of 2001, as amended:

Name

Present address

Date and place of birth

Nature of work, name of employer or nature of self-employment/business

Contact details

Specimen signature

Source of funds

Permanent address

Nationality

Identification Cards

Name, present address, date and place of birth, nature of work and source of funds of beneficial owner or beneficiary, whenever applicable

When the customer or authorized representative is a foreign national, passport or Alien Certificate of Registration issued by the Bureau of Immigration

As part of due diligence, we may collect information about religious affiliation in the event the date of birth cannot be provided (due to religious beliefs) as this is required information under the law.

If reasonably necessary, we may also process your sensitive personal information such as credit card details.

Security Measures

We employ a combination of organizational, contractual, physical, procedural and technical security measures to secure your PI that we process. Only authorized personnel shall have access to your PI. We will retain your PI related to transactions for a minimum of ten (10) years to comply with applicable laws. On the other hand, PI collected from inquiries, complaints/concerns or during events will be retained for two (2) years.

 Access, Correction and Erasure/Blocking

You have the right to request for a copy of your PI that we keep as well as request for the correction of any inaccurate data.

You likewise have the right to suspend, withdraw or order the blocking, removal or destruction of your PI from our system.

 Consent

You have the right to object or withhold consent to the processing of your PI. However, if you choose not to provide us with the required PI, we may be unable to provide you with the service requested or provide appropriate advice or service.

Limitation on Rights

The foregoing rights with respect to your PI shall not apply to the processing of personal data gathered for the purpose of investigations in relation to any criminal, administrative or tax liabilities that you may have, provided that we will process the same only to the minimum extent necessary to achieve the purpose of said investigations.

 How to contact us

Feedback, queries and transaction concerns on our products and services: cebuanacares@pjlhuillier.com

Data Privacy-related queries and concerns: infoprivacy@pjlhuillier.com

 I want to know more about RA 10173

Please visit the website of the National Privacy Commission (https://privacy.gov.ph)

Please send your feedback, comments, requests for technical support by email: support@cebuana.com.