1. About these terms
These terms are an agreement between you and [Registered Company Name] covering your use of this website and, where it applies, the iCOST Pay platform. By using the site, you accept them.
2. The website and the platform are different things
This website is for information. Access to the iCOST Pay platform requires a signed service agreement with us. If anything in these terms conflicts with that agreement, the service agreement takes priority.
3. Who may use the service
iCOST Pay is for business use. By using it you confirm that you are at least 18 years old and authorised to act for the company you represent.
4. Your account
Keep your login details confidential. You are responsible for what is done through your account and your approvals. Tell us immediately at [contact email] if you suspect unauthorised access.
5. Instructions and approvals
We act on payment instructions that have been properly submitted and approved in the platform. Check payee names, account numbers, and amounts before releasing a batch — once a transfer has been sent to a bank or e-wallet, we cannot guarantee it can be recalled.
6. What you are responsible for
- The accuracy of the payroll, payee, and contribution data you upload.
- Having sufficient funds available before a release.
- Your own tax, labour, and government contribution obligations as an employer.
- Using the service only for lawful purposes.
7. Acceptable use
You may not use iCOST Pay for fraud, money laundering, or any unlawful purpose, and you may not attempt to disrupt, overload, gain unauthorised access to, or reverse-engineer the service.
8. Fees
Fees, billing cycle, and any transaction charges are set out in your service agreement or written quotation. [Confirm fees and billing terms]
9. Banks, e-wallets, and government portals
Disbursements and remittances depend on third parties. Their cut-off times, maintenance windows, and outages can affect when a payment or contribution is actually credited.
10. Availability
We aim to keep the service running continuously, but maintenance and unplanned interruptions happen. We will give advance notice of planned downtime where we reasonably can.
11. Our content and brand
The iCOST Pay name, logo, website, and platform are ours. Please don't copy, republish, or reuse them without our written permission.
12. Liability
This website is provided as is. Nothing in these terms removes liability that cannot be excluded under Philippine law. Otherwise, our liability in connection with the service is as set out in your service agreement. [Confirm liability cap with counsel]
13. Suspension
We may suspend or limit access where we reasonably suspect fraud or unlawful use, where the law requires it, or where fees remain unpaid.
14. Governing law
These terms are governed by the laws of the Republic of the Philippines. Any dispute will be brought before the courts of [City], to the exclusion of other venues.
15. Changes
We may update these terms. We will change the date at the top, and continued use of the service means you accept the updated version.
16. How to reach us
Email: [contact email] · Phone: [contact number]
Address: [Registered Address]
Note for iCOST Pay: this is a plain-language starting draft, not legal advice. Fill in every highlighted blank and have a Philippine lawyer review it before launch — clauses 5, 8, and 12 (payment finality, fees, and liability) are the ones that matter most for a business that moves client money, and they should match your actual service agreement.