Terms of Use

Welcome to Spenmo. These Terms of Use (“Terms”) are offered to you by SPENMO FINANCIAL TECHNOLOGY CORPORATION and its affiliates (“Spenmo”) and govern your use as a visitor to https://spenmo.ph and/or other websites (including the Spenmo mobile application, any social media sites, mobile webpages, and application store pages) managed by Spenmo that reference the Terms (the “Spenmo Sites”). Please read these Terms carefully. By using, accessing and/or visiting the Spenmo Sites, you accept and agree to these Terms. If you do not accept and agree to the Terms, you should immediately stop using, accessing and/or visiting the Spenmo Sites.

Please also carefully read Spenmo’s Privacy Policy. By agreeing to these Terms, you also agree to and accept our Privacy Policy.


These Terms shall be effective, valid and binding from the time you agreed to it and will exist up to the time that it is terminated by you or us, save for those provisions that will remain effective after termination as stated in these Terms, laws and regulations.


We may revise these Terms at any time by amending this page. You are expected to check this page from time to time to take notice of any changes Spenmo has made, as they are binding on you. Some of the provisions contained in these Terms may also be superseded by provisions or notices published elsewhere on the Spenmo Sites. Your continued access and/or use of the Spenmo Sites following any amendments to these terms will constitute your acceptance of those changes.

Access and Use of the Spenmo Sites

You may access and use the Spenmo Sites only for lawful purposes. You agree that you will not use the Spenmo Sites:

  • in any way that breaches any applicable law, regulation, issuances or code of practice;
  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  • for the purpose of harming or attempting to harm minors in any way;
  • to send, knowing receive, upload, download, use or re-use any material which: is defamatory, obscene, hateful, discriminatory or inflammatory;
  • promotes violence, discrimination or illegal activity; or
  • infringes any intellectual property rights, right of confidentiality or right to privacy.
  • to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);
  • to generate and/or cause congestion to our network traffic in excess of reasonable and normal usage;
  • to cause any disruption, interference, interruption or degradation in our network and/or the Spenmo Sites; or
  • to knowingly transmit any data, send or upload any material that contains any viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other technologically harmful programs, data or code.

Intellectual Property Rights

The content available on the Spenmo Sites may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of Spenmo. You may not, without the prior written consent of Spenmo, insert a hyperlink to the Spenmo Sites (or any part thereof) on any other platform or “mirror” or frame any content available on the Spenmo Sites on any other server or platform.

All trademarks, service marks and logos used on the Spenmo Sites are the property of Spenmo and/or the respective third party proprietors identified on the Spenmo Sites. No licence or right is granted and your access to the Spenmo Sites and/or use of the services available thereon should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademarks, service marks or logos appearing on the Spenmo Sites without the prior written consent of Spenmo or the relevant third party proprietor thereof.

Use of Personal Data

Whenever you submit information about yourself via the Spenmo Sites, you unambiguously consent to the collection, use, and disclosure of that information in accordance with Spenmo’s Privacy Policy.


Your use of the Spenmo Sites and all content thereon is and shall be at your sole risk. The Spenmo Sites and all contents thereon are provided “as is” and without express or implied warranty of any kind. To the maximum extent permitted by law, Spenmo and their respective officers, directors, employees and agents disclaim all warranties, express or implied, with respect to the Spenmo Sites, all contents thereon, and support services, including but not limited to all implied warranties of merchantability, fitness for a particular purpose, non-infringement and title. Spenmo makes no warranty as to the accuracy or completeness of the contents of the Spenmo Sites or of sites linked to the Spenmo Sites, and does not endorse or assume responsibility for any product or service advertised by a third party through the Spenmo Sites or any hyperlinked websites. Spenmo assumes no liability or responsibility for any bugs, viruses, or other malware that may be transmitted to or through the Spenmo Sites, for any errors, mistakes or inaccuracies in content, or for any loss or damage incurred that results from the use of any content made available in any way through the Spenmo Sites.

Governing Law and Jurisdiction

You agree that the laws of the Philippines, without regard to principles of conflict of laws, shall govern both these Terms and any dispute that might arise between you and Spenmo in relation to your use of the Spenmo Sites and these Terms.

You also agree that any disputes shall be referred to and resolved to arbitration in accordance with Republic Act No. 9285 or the Alternative Dispute Resolution Act of 2004 for the time being in force, which rules are deemed to be incorporated by reference in this clause. The seat of any arbitration proceeding will be in the City of Cebu, Philippines. The language of the arbitration shall be English.

Entire Agreement

These Terms and other legal notices published by Spenmo on the Spenmo Sites applicable to an activity you engage in shall constitute the entire agreement between you and Spenmo concerning the Spenmo Sites.


In the event that any of the provisions of these Terms shall be deemed invalid, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any of the remaining provisions of these Terms, which shall continue in full force and effect.

No Waiver

No waiver shall be deemed a further or continuing waiver, and Spenmo’s failure to assert any right under these Terms shall not constitute a waiver of such right. You agree that any cause of action arising out of or relating to the Spenmo Sites must commence within one (1) year after the cause of action arises, and otherwise is permanently barred.


You may not assign or transfer these Terms, but Spenmo may assign these Terms without restriction.


You agree to indemnify, defend and hold Spenmo, its affiliates, officers, directors, employees and agents harmless from and against any loss, cost, damages, liability and expense arising out of or relating to your use of the Spenmo Sites and/or any action by you which violates any law, regulation or rights of a third party.

Links to Third Party Websites

The Spenmo Sites may contain links to third-party websites. You acknowledge and agree that Spenmo does not control such websites and is not responsible for their contents or policies, and that the links are provided for convenience and do not represent an endorsement by Spenmo of the third-party websites. If you access such websites via the links, you do so at your own risk.


Without prior notice, Spenmo may terminate your access to the Spenmo Sites and/or your user account if you violate or breach these Terms or for any other reason, including Spenmo’s discontinuance of the Spenmo Sites.

Manage your business payments better today.

No annual fees
No setup fees
No maintaining balance
Schedule a Demo

Our awesome features