Terms of Service

1Use of Service

1.1 Acceptance of Terms

By accessing or using the Service, a Member is deemed to have agreed to these Terms and the Company's related policies. Where any amendment to the Terms materially affects the manner in which personal information is processed, the Company shall obtain separate explicit consent from the Member in accordance with applicable law. Continued use of the Service shall constitute acceptance of general changes to the Terms of Use; however, this shall not apply to changes in the scope of personal information processing.

1.2 License and Trademark Rights

The Company grants each Member a non-exclusive, non-transferable, revocable, and royalty-free license to use the Service solely for the Member's personal, non-commercial purposes. Such license is personal to the Member and may not be assigned, leased, or otherwise transferred to any third party. The name “KokoMarket,” its logo, and all related marks constitute the Company's trademarks or service marks, and may not be used, reproduced, distributed, or modified without the prior written consent of the Company.

2Personal Information Collection and Consent

The Company collects and processes personal information in accordance with the following categories, purposes, legal bases, retention periods, and third-party sharing arrangements:

• Third-party sharing is conducted only to the minimum extent necessary for service delivery.
• For KYC processing and receipt of marketing communications, KokoMarket shall obtain separate explicit consent at the time of data collection. Consent to such purposes is not a prerequisite for access to the Company's core services.
• The results of the Legitimate Interest Assessment (LIA) conducted for processing activities relying on legitimate interest as a legal basis are available in [Privacy Policy, Article 10]. In accordance with the 2026 NPC Accountability Guidelines, the LIA for each legitimate interest processing activity is documented and retained internally. Upon request by the NPC or a data subject, the Company shall make the relevant LIA available for review through the DPO at privacy@kokomarket.ph.
• For details on the method and procedure of personal data deletion, please refer to [Privacy Policy, Article 4].

3Account Creation and Management

3.1 Account Creation

To facilitate reliable communication among Members and the proper operation of the Service, the Company enables Members to create accounts upon submission of required information, including email address (username), password, date of birth, and nickname. Each Member may, as a general rule, create and operate only one (1) account per registered mobile number.

3.2 Identity Verification (KYC)

The Company may implement an electronic Know Your Customer (KYC) verification process to maintain a safe transaction environment. Members shall complete identity verification using government-issued identification documents or other means accepted by the Company. Nationality information confirmed through this process may only be modified in the following limited circumstances: (i) a clerical or administrative error is confirmed upon review by the Company; (ii) a lawful court order or government directive requires modification; or (iii) the Member provides a new, valid government-issued identification document evidencing a change in legal nationality. Modification requests shall be submitted to privacy@kokomarket.ph and processed within thirty (30) days.

3.3 Restrictions on Account Creation

The Company may refuse account creation or restrict access to the Service in any of the following circumstances:

• an attempt to register using another person's information or identity
• an attempt to create multiple accounts under a single mobile number
• failure to provide required information or submission of false information at the time of registration
• an attempt to re-register by a person who has previously been subject to access restrictions due to violations of the Company's operating policies or applicable law
• identification of a mobile number as posing a risk to safe transactions through an external fraud screening system
• registration by an individual under the age of eighteen (18) using a falsified age.
• an attempt to re-register using the same mobile number or email address within seven (7) days of the Member's own voluntary withdrawal.
• an attempt to re-register using the same mobile number or email address by a person whose membership has been permanently terminated by administrator action due to a violation of the Company's Operating Policy.

3.4 Account Management

A Member's account may only be used by that Member personally and may not be assigned, leased, shared, or transferred to any third party. Members may update their profile photo and nickname within the parameters established by the Company. In the event of a change in mobile number, the Member must complete verification of the new number through [Profile > My information] or [Customer Support].

4User Obligations and Prohibited Conduct

To maintain a safe environment for all Members, the Company may restrict access to the Service or terminate a Member's account upon confirmation of any of the following conduct:

4.1 Unauthorized Access and Unlawful Data Collection

Accessing the Service through unauthorized means, disrupting the Company's operations, or collecting, using, or disclosing other Members' information without authorization.

4.2 Prohibited Content

Posting obscene material, copyright-infringing content, content contrary to public order and morals, or any content in violation of applicable law or the Company's operating policies.

4.3 Unauthorized Commercial Use

Using the Service for commercial promotional, advertising, or solicitation activities without the Company's prior approval. Exceptions include:

• posts by merchants approved under the Company's separately operated “Business Account” program
• activities within separately operated services officially provided by the Company, such as job listings or real estate rental services
• posts submitted in connection with events or promotions separately announced by the Company.

4.4 Infringement of Technical Assets

Unauthorized copying, modification, or distribution of the Company's software, or extraction of source code, or any other act infringing upon the Company's technical assets.

4.5 Compliance Obligation

Members shall comply with applicable law, these Terms, and all other Company policies and [Operating Policy, Article 7 (Prohibited Conduct) and Article 8 (Criminal and Harmful Conduct)]. Confirmed violations may result in content removal, restriction of specific features, suspension of the account for a fixed term (3, 7, or 30 days), or permanent account termination, depending on the nature and severity of the violation. Specific sanction standards and procedures are governed by [Operating Policy, Article 12].

5Protection of Personal Information

5.1 Scope of Use of Personal Information. The Company shall use Members' personal information only to the extent necessary for the provision of the Service and only for purposes for which the Member has provided consent or which are permitted by applicable law.

5.2 Privacy Policy. Specific matters relating to the collection, use, retention, protection, and management of personal information by the Company are governed by the [Privacy Policy, Articles 3 through 7].

6Protection of User Data and Databases

6.1 Copyright in User-Generated Content

Copyright in content (text, photos, etc.) posted by a Member on the Service shall vest in that Member.

6.2 Company's Database Rights

Rights to the overall structure, screens, arrangement of data, and compilations constituting the Service's database shall vest in the Company, as assets created through the Company's substantial investment and effort.

6.3 Prohibited Acts

Without the Company's prior written consent, Members shall not: (1) collect, reproduce, or analyze information from the Service in bulk using automated tools (scripts, crawlers, data scrapers, etc.); (2) use content, images, or data from the Service without authorization for the development, training, or enhancement of machine learning or generative AI models; or (3) support, facilitate, or provide information to any third party for the purpose of conducting the foregoing activities.

6.4 Remedial Action and Legal Rights

The Company may restrict access to the Service or suspend a Member's account upon confirmation of any violation under Section 6.3. The Company may also exercise its rights under applicable law, including Republic Act No. 8293 (Intellectual Property Code of the Philippines) and Republic Act No. 10173 (Data Privacy Act of 2012), to protect its databases and user information, and may cooperate with law enforcement authorities as necessary.

7Rights of Data Subjects

(Republic Act No. 10173, Section 16) Each Member, as a data subject with respect to personal information processed by the Company, holds the following rights:

• Right to be Informed: The right to be notified of the purpose of data collection, scope of processing, and recipients of data, prior to or at the time of collection.
• Right to Access: The right to request a copy of personal information held by the Company and information on how it is processed. The Company shall respond within thirty (30) days of the request.
• Right to Rectification: The right to request correction of inaccurate, incomplete, or outdated personal information. The Company shall take necessary action within thirty (30) days of a valid request.
• Right to Erasure or Blocking: The right to request deletion or blocking of personal information where there is a lawful basis, such as unlawful processing, fulfillment of the processing purpose, or withdrawal of consent — except where retention is required by applicable law.
• Right to Object: The right to object to processing of personal information based on direct marketing, profiling, or legitimate interest, on reasonable grounds.
• Right to Data Portability: The right to receive personal information in a structured, commonly used, and machine-readable format and to have it transferred to another service provider, to the extent technically feasible.
• Right to File a Complaint: The right to lodge a complaint with the National Privacy Commission (NPC, complaints@privacy.gov.ph) where a Member believes their rights have been violated.
• Right to Damages: The right to seek compensation in accordance with applicable law for damages arising from inaccurate, incomplete, outdated, false, unlawfully obtained, or unauthorized use of personal information.

Rights may be exercised by contacting privacy@kokomarket.ph. The Company shall not discriminate against a Member solely on the basis of the Member's exercise of such rights.

8Personal Data Breach Notification Policy

8.1 Notification to the NPC

In accordance with NPC Circular No. 16-03, the Company shall notify the National Privacy Commission (NPC) within seventy-two (72) hours of becoming aware of a personal data breach, where such breach (a) involves sensitive personal information as defined under Section 3(l) of the DPA, or (b) affects one hundred (100) or more individuals, regardless of whether actual harm has occurred.

8.2 Notification to Data Subjects

Where a breach is likely to result in serious harm to data subjects — including identity theft, financial loss, physical harm, or reputational damage — the Company shall notify affected Members without undue delay via registered email, in-app notification, or push notification. Such notification shall include:

• The nature of the breach and categories of data affected
• Potential consequences of the breach
• Measures taken or proposed to be taken by the Company
• The contact details of the Data Protection Officer (DPO).

8.3 Records and Reporting

The Company shall maintain records of all breach incidents, their impact, and remedial actions, and shall submit a full investigation report to the NPC within five (5) calendar days of the initial notification.

8.4 Non-Admission of Liability

This notification obligation applies regardless of whether the breach originates from the Company, a third-party service provider, or an unauthorized third party. The act of notification shall not be construed as an admission of legal liability.

9Copyright and Management of User Content

9.1 Ownership of User Content

Copyright in all content (text, photos, images, comments, etc.) posted by a Member on the Service shall vest in that Member.

9.2 License for Service Operation

Members grant the Company a license to use their posted content within the following scope for purposes of operating, displaying, and improving the Service. This shall not constitute a transfer of copyright:

• Exposure in in-app search results, content listings, and community feeds
• Display in advertising, event, or announcement areas within the Service
• Use for development of new services, technical research, and improvement of personalized features.

9.3 Deletion Settings

Members may delete their posted content at any time using the in-app delete function. A content privacy (hide) feature is planned for introduction in a future update.

9.4 Use Requiring Separate Consent

Where the Company wishes to use a Member's content beyond the scope described in Section 9.2, including use in external media, the Company shall obtain the Member's prior consent via email or in-app message.

9.5 Content Processing Procedures

The Company complies with applicable law, including the Intellectual Property Code and the Cybercrime Prevention Act of the Philippines, and applies the following procedures to user content:

• Standard Processing: Content suspected of policy violations shall be temporarily hidden and the Member notified of the reason. The Member may provide a rebuttal within seventy-two (72) hours of notification, and the Company shall communicate its decision on restoration or deletion within three (3) business days of reviewing the rebuttal.
• Emergency Processing: The Company may immediately delete content, without prior notice, in the following circumstances, and shall notify the reason within twenty-four (24) hours of deletion: (i) Child Sexual Abuse Material (CSAM) or child sexual exploitation content; (ii) explicit incitement to violence or terrorism-related content; (iii) content facilitating an ongoing fraudulent transaction; or (iv) as required pursuant to a lawful request from law enforcement authorities.

9.6 Review of Content and Communications

The Company may review relevant content or communications only in the following circumstances:

• Upon an explicit report by a Member
• Pursuant to a lawful court order from law enforcement authorities
• Where clear fraud or an unlawful transaction is suspected

Review proceedings shall be recorded and managed in accordance with the Privacy Policy.

10Content Moderation and Rights Protection

10.1 Action on Rights-Infringing Content

Where content posted by a Member infringes the rights of a third party or violates applicable Philippine law, the Company may temporarily hide or delete such content upon a legitimate request from the rights holder.

10.2 Company-Initiated Action

The Company may restrict exposure to or delete the following categories of content in accordance with the Operating Policy, even in the absence of a request

• Content posing a clear risk of rights infringement or defamation
• Content in violation of the Operating Policy, including obscene material, discriminatory or hate speech, fraud facilitation, and exposure of another person's personal information
• Content that has been repeatedly reported by multiple Members.

10.3 Notification and Right of Rebuttal

Where the Company takes action on content, it shall notify the relevant Member of the reason via in-app notification, chat, or other appropriate means. Members may submit a rebuttal or supporting evidence through [Profile > Customer Support > Email & Response] or by emailing CS@kokomarket.ph. Where serious harm is anticipated due to repeated policy violations, notice may be provided after the action has been taken.

10.4 Limited Review for Dispute Prevention

The Company may review content and communications to the minimum extent necessary for fraud prevention, dispute resolution, and maintenance of order. The grounds and scope of such review shall be managed in accordance with applicable law and the Privacy Policy.

10.5 Disclaimer Regarding User-Generated Content

KokoMarket is an intermediary platform service provider and is neither the author, editor, nor publisher of content submitted by Members. The Company does not pre-screen, verify, approve, or warrant the accuracy, completeness, or legality of Member-posted content. As an internet intermediary, the Company shall not be held liable for damages arising from such content, provided that: (a) the Company did not have actual prior knowledge of the unlawful nature of the content posted by the Member; and (b) the Company took prompt action to remove or disable access to the content upon becoming aware of its unlawful nature, as required under Section 30 of Republic Act No. 10175. Members who believe that content on the Service infringes their intellectual property rights may submit a written notice to privacy@kokomarket.ph including:

• Identification of the copyrighted work alleged to have been infringed
• Identification of the material alleged to be infringing
• Contact information of the rights holder
• A good-faith statement that the use has not been authorized by the rights holder.

11Notices and Announcements to Members

11.1 Service-Related Notices

The Company may provide Members with information necessary for use of the Service, public notices, event notifications, and other useful information via in-app announcements, SMS, push notifications, and other means. Data charges may apply depending on the Member's communications environment.

11.2 Personalized Information

Based on a Member's usage history or activity interests, the Company may provide information about products or services offered by other Members.

11.3 Consent and Withdrawal for Personalized Information

The Company shall provide personalized product and service information based on activity interests only upon the Member's prior consent. Members may withdraw such consent at any time through [Home > Notification Icon > Edit > General > Marketing agreement > off].

12User Reputation System

The Company may operate a user behavior-based reputation scoring system (hereinafter “Sweetness Rating”) to foster a sound transaction culture. The Sweetness Rating is calculated by comprehensively reflecting factors including transaction fulfillment, inter-user reviews, and compliance with the Operating Policy. Sweetness Rating scores may decline upon violation of the Operating Policy, and certain features may be restricted depending on the score range. Members may request a review of their Sweetness Rating calculation results through the Customer Support Center, and the Company shall communicate its decision within seven (7) business days. Specific calculation criteria and feature restriction thresholds for Sweetness Rating are set forth in the Operating Policy and shall be announced with at least seven (7) days' advance notice prior to any change.

13Location-Based Services and Personal Location Data

The Company may operate location-based services to provide Members with personalized features. These services are based on location data collected from the Member's device, and the Company may thereby provide the following: determination of eligibility for local community membership; functions for posting and viewing location-based content; and provision of location-based lifestyle information and promotional information. Location-based services are provided free of charge, and location data may be confirmed through data collected by the Company or a licensed location information service provider. The Company may analyze aggregated or de-identified location usage data for service quality improvement and development of new features.

The Company shall obtain explicit consent in accordance with the Philippine Data Privacy Act of 2012 when using or providing a Member's personal location data to a third party. Location-based services are intended for adults aged eighteen (18) and older; personal location data of minors shall not be collected. The Member's exact GPS coordinates shall not be disclosed to other Members. The Company collects location data through GPS, Wi-Fi positioning, IP address-based estimation, and Bluetooth/beacon signals, using only the minimum level of accuracy necessary for each service purpose.

The Data Protection Officer (DPO) responsible for location data protection is:

• Name: Seong Suho
• Email: privacy@kokomarket.ph

In the event of a dispute related to location data, Members may avail themselves of the dispute resolution mechanisms of the National Privacy Commission (NPC).

14Safe Transaction Guidelines

The Company recommends the following practices to facilitate safe in-person transactions between Members:

• Conduct transactions in public places with security personnel, such as shopping malls, police stations, or subway station entrances.
• Do not rely solely on location data provided by the Company; directly confirm the transaction location with the other party via chat.
• In the event of any physical harm, theft, assault, or other offline incident during a transaction, immediately contact the Philippine National Police (PNP) at 911.
• The liability disclaimer set forth in [Location-Based Services Terms of Use, Article 12] may apply to damages arising from transaction location confusion due to location data errors.

The Safe Transaction Guidelines set forth in this Article are recommendations for the safety of users. The Company shall not be held liable for any damages arising from failure to follow these guidelines. However, the Company assumes an obligation to provide appropriate guidance within the app to ensure that Members are aware of and can adhere to these guidelines.

15Withdrawal and Refusal of Consent to Location Data Collection

Members may withdraw or refuse consent to location data collection at any time without prejudice, through any of the following means:

• Device Settings: Revoke location access permissions for KokoMarket in the device's application permission settings (iOS: Settings > Privacy & Security > Location Services > KokoMarket / Android: Settings > Apps > KokoMarket > Permissions > Location)
• Written Request: Submit a written withdrawal request to the DPO at the contact information provided in Article 13.

The Company shall take necessary action within forty-eight (48) hours of receipt of a written withdrawal request submitted under means (2) above. For withdrawal via device settings under means (1), the Company shall cease real-time location data collection immediately upon the change in permission.

Upon withdrawal of consent, the following shall apply:

• The Company shall immediately cease real-time location data collection and delete retained personal location data without undue delay, except where retention is required by applicable law.
• Certain location-dependent services — such as neighborhood verification and browsing nearby listings — may become unavailable.
• Non-location-based services shall not be affected by the withdrawal of location consent.
• The withdrawal of consent shall not affect the lawfulness of any location data processing conducted prior to the withdrawal.

For detailed procedures regarding consent withdrawal and the rights of data subjects with respect to personal location data, please refer to the Location-Based Services Terms of Use, Articles 4 and 9.

16Dispute Resolution

16.1 Operation of the Dispute Resolution Center

Where a dispute arises between Members in connection with the use of the Service, the Company shall provide good-faith mediation support through the Customer Support channel to facilitate an amicable resolution. Such support is informal and non-binding in nature, and does not constitute arbitration under Republic Act No. 9285 (Alternative Dispute Resolution Act). Any proposed resolution shall have effect only upon the agreement of both parties. Specific procedures and standards are governed by the [Operating Policy, Article 13 (Appeals and Request for Review)].

16.2 Dispute Resolution Procedures

• Members may submit a request for dispute resolution support by contacting the Customer Support Center via [Profile > Customer Support > Email & Response] or by emailing CS@kokomarket.ph.
• The Company shall designate a case officer within three (3) business days of receiving the request and notify both parties.
• Mediation proceedings shall be conducted confidentially, and any proposed resolution shall have effect only upon the agreement of both parties.
• In the event that mediation is not achieved, Members may seek recourse from the Department of Trade and Industry (DTI) or a court of competent jurisdiction.

16.3 Cooperation with Law Enforcement

The Company may preserve or produce data pursuant to a court order or a lawful request from law enforcement authorities, in accordance with Section 15 of Republic Act No. 10175. Unless prohibited by law, the Company shall notify the Member of such action.

17Suspension of Service

The Company may temporarily suspend all or part of the Service for equipment inspection, maintenance, technical improvement, or other operational reasons. In the case of a scheduled suspension, the Company shall provide advance notice through the service interface or other appropriate means. Where advance notice is not practicable due to an emergency failure or unavoidable circumstances, the Company shall notify Members of the reason and remedial action without undue delay following the suspension.

18Member Withdrawal and Data Processing

Members may terminate their service agreement at any time through the [Delete My Account] button located at the bottom of the Profile page, and the Company shall process such termination in accordance with applicable law. However, where a transaction is in progress or a dispute remains unresolved, the Company may temporarily defer processing of the withdrawal to protect Members and facilitate dispute resolution, and shall notify the Member in writing of the reason and expected processing timeframe.

Upon completion of withdrawal, the Company shall delete the Member's personal information, except for information required to be retained pursuant to applicable law. Comments, shared posts, and other content formed through interactions with other Members may persist for the continuity of the Service, and Members may delete or set such content to private prior to withdrawal.

Re-registration Restrictions Following Withdrawal: Where a Member voluntarily withdraws from the Service, re-registration using the same mobile number or email address is not permitted for a period of seven (7) days from the date of withdrawal. Where a Member's account has been permanently terminated by administrator action, re-registration using the same mobile number or email address is permanently prohibited. Detailed standards and procedures governing re-registration restrictions are set forth in [Operating Policy, Article 12].

Withdrawal While Subject to Account Suspension: Where a Member requests withdrawal while their account is subject to temporary or permanent suspension, the Company shall process such withdrawal in accordance with applicable law and the Operating Policy. However, where a transaction is in progress or a dispute remains unresolved, the Company may temporarily defer processing of the withdrawal until the relevant matter is concluded, and shall notify the Member in writing of the reason and expected processing timeframe. Even where withdrawal is completed while an account is under suspension, the Member's personal information shall be retained for the applicable periods prescribed by [Privacy Policy, Article 4] and applicable law.

19Service Fees and Paid Services

19.1 Basic Service

The Company provides core service features free of charge.

19.2 Introduction of Paid Services

The Company may in the future introduce paid features or fee-based services for certain functions or services. In such case, the Company shall announce in advance the applicable fees, payment methods, refund policy, and other relevant terms through the service interface.

19.3 Payment and Refunds

Upon introduction of paid services, the Company shall separately establish and announce a payment and refund policy compliant with applicable law. Prior to the introduction of paid services, payment and refunds arising from direct transactions between Members shall be governed by the agreement between the transacting parties.

20Efforts to Ensure Safe Transactions and Limitation of Liability

20.1 Principle of Direct Transactions Between Members

Transactions of goods, gifting, and other exchanges conducted through the Service are direct transactions based on the autonomous will of the Members, and the Company acts solely as an intermediary platform provider and is not a party to any such transaction. However, the Company shall be liable for damages caused by its own fault (including KYC system errors or platform defects) to the extent prescribed by Republic Act No. 7394 and applicable law.

20.2 Accuracy of Information and Verification Responsibility

The Company does not warrant the real-time accuracy of posted content. The Company shall not be liable for damages arising from a Member's failure to properly verify the counterparty, except where attributable to the Company.

20.3 Limitations with Respect to Disputes and Damages

The Company shall take reasonable measures within the scope defined by these Terms and the Operating Policy to prevent fraud, no-shows, and other trust-undermining conduct. However, the Company shall not be liable, absent gross negligence or intentional misconduct, for: (1) damages arising from a Member's provision of false information; (2) damages arising from a Member's failure to follow the Company's Safe Transaction Guidelines; (3) product defects or non-performance arising from transactions agreed upon between Members; or (4) fraudulent acts by third parties that the Company could not reasonably have foreseen or prevented.

The Company shall fulfill its obligations as a platform provider within the scope prescribed by Republic Act No. 7394.

20.4 Limitations of Identity Verification

The KYC process is a means of verifying a Member's identity only, and does not constitute a warranty of such Member's creditworthiness, capacity to fulfill transactions, or character generally.

20.5 Operational Limitations

The Company shall make reasonable efforts to provide stable services, but shall not be liable for service interruptions or data loss caused by force majeure events, communication failures, device errors, or other circumstances beyond the Company's reasonable control.

21Geographic Scope and Access from Outside the Philippines

The Service is designed for use within the Republic of the Philippines, and its content and features are tailored for local Philippine communities.

Where a Member accesses the Service from outside the Philippines, such access is entirely at the Member's own risk and discretion. The Company does not warrant that the Service complies with the laws or regulations of any jurisdiction outside the Philippines, and Members must comply with the local laws applicable in their place of access.

The Company shall not be liable for access from jurisdictions where additional legal obligations not contemplated by these Terms may arise, or where the use of the Service is restricted or prohibited. The Company may restrict or terminate access from outside the Philippines without prior notice.

Philippine law applies to these Terms and the Service, and access from outside the Philippines shall not be construed as imposing additional obligations on the Company under any foreign law.

22Damages and Limitation of Liability

22.1 Company's Liability

Where a Member suffers damages as a result of the Company's intentional misconduct or negligence, the Company shall compensate for such damages in accordance with applicable law.

22.2 Limitation of Liability

Except as otherwise prescribed by applicable law, the Company shall not be liable for damages arising from:

• Causes attributable to the Member
• Unauthorized third-party server access or use
• Damages caused by malicious programs or viruses distributed by third parties
• Defamation or other damages arising from disputes between Members or between a Member and a third party
• Data loss or corruption attributable to the nature of telecommunications services or the internet environment
• Indirect, special, or consequential damages to the extent permitted by applicable law.

23Amendment of Terms

The Company may amend these Terms in response to changes in applicable law, service policy, or operational necessity. Where the Terms are amended, the Company shall provide notice at least seven (7) days prior to the effective date — or at least thirty (30) days prior in the case of changes adverse to or materially affecting Members — via the service interface or in-app message.

Where a Member does not expressly object during the notice period and continues to use the Service, the Member shall be deemed to have accepted the amended Terms with respect to non-personal-information-related conditions of use. However, separate explicit consent shall be obtained for:

• Material changes to the scope of personal data collection, use, or disclosure
• Introduction of new paid services or fees
• Changes that materially restrict Members' rights.

Where the Company introduces a new service (such as payment, job listings, or real estate rental), explicit consent to the applicable separate terms shall be obtained, and a Member's refusal of such separate terms shall not affect the Member's use of existing services.

24Customer Support, Governing Law, and Jurisdiction

24.1 Customer Support and Notification Channels

Members with inquiries or feedback regarding use of the Service may contact the Company via [Profile > Customer Support > Email & Response]. General company notices shall be made through in-app announcements, and matters requiring individual notice shall be communicated via push notification, chat, or other appropriate means.

24.2 Severability and Non-Waiver

These Terms constitute the agreement between the Company and each Member and do not confer direct rights upon any third party. If any provision of these Terms is found to be invalid or unenforceable under applicable law or by a court ruling, the remaining provisions shall remain in full force and effect. The Company's failure to immediately exercise any right under these Terms shall not be construed as a waiver of such right.

24.3 Governing Law and Jurisdiction

These Terms and all matters relating to use of the Service are governed by Philippine law, including Republic Act No. 10173 (Data Privacy Act of 2012), Republic Act No. 7394 (Consumer Act of the Philippines), Republic Act No. 10175 (Cybercrime Prevention Act), and Republic Act No. 8293 (Intellectual Property Code). Where a Member initiates legal action arising out of or in connection with these Terms, such action may be filed before the competent courts of the Member's place of residence or Mandaluyong City, at the Member's election. Where the Company initiates legal action, such action shall be filed before the competent courts of Mandaluyong City.