These Terms and Conditions govern your use of our website and services. By accessing or using our site and services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

1. Scope of Services

Estra Financial Consultancy Service, operating under the trade name ‘Estra Finance’ provides mortgage brokerage services to individuals and businesses seeking home loans. Our services include:

• Assisting with home loan applications
• Offering general mortgage advice and recommendations
• Facilitating communication between you and lending institutions
• Providing updates on the status of your mortgage application

Our services are provided based on the information you supply and the requirements of the lending institutions. We aim to offer guidance, but final decisions regarding mortgage approval rest with the lending institutions.

2. Limitations of Services

Estra Finance does not guarantee the approval of any mortgage application. We strive to offer our clients the best chances of approval by providing advice and predictions. Our advice and recommendations are based on the information you provide, and we cannot be held responsible for any incorrect or incomplete information submitted. The final approval decision is at the discretion of the lending institution.

Moreover, while Estra Finance strives to provide accurate and up-to-date information, we are unable to guarantee the accuracy of predicted information subject to change, such as interest rates (determined by Bangko Sentral Pilipinas) or fees (determined by lending institutions). We endeavour to ensure our information is correct at the time of posting, however this information is subject to change throughout the home loan application process. 

Additionally, our services are subject to the laws and regulations of the Philippines. We do not provide legal or financial advice, and you should consult with your own legal or financial advisors as necessary.

In no event shall Estra Finance be held responsible for any direct or indirect consequences of the advice provided through its services or website content. By proceeding to engage with Estra Finance’s services and website, it is understood that the user takes responsibility for the decisions made and the results of these decisions. 

3. Site Content

The content on our website, including text, images, graphics, and other material, is for informational purposes only. While we endeavor to keep this content accurate and up-to-date, we make no warranties or representations regarding its accuracy, completeness, or reliability.

Estra Finance reserves the right to modify or remove any content from the site at any time without notice. The use of any content on this site is at your own risk, and Estra Finance will not be liable for any losses or damages arising from its use.

4. Handling Your Account

To access certain services on our website, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Estra Finance reserves the right to terminate or suspend your account at any time if we believe you have violated these Terms and Conditions or any applicable laws.

5. General Use of the Site

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the site by any third party. You are prohibited from:

• Engaging in any activity that disrupts or interferes with the site or the servers and networks connected to it.
• Attempting to gain unauthorized access to any portion of the site, other accounts, or any computer systems or networks connected to the site.
• Using the site to transmit any harmful or malicious software, viruses, or other disruptive materials.

6. General Provisions

• Governing Law: These Terms and Conditions are governed by and construed in accordance with the laws of the Philippines. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts of the Philippines.
• Severability: If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect.
• Entire Agreement: These Terms and Conditions constitute the entire agreement between you and Estra Finance regarding the use of our website and services and supersede any prior agreements or understandings.
• Amendments: Estra Finance may revise these Terms and Conditions at any time by updating this page. Your continued use of the website and services after any such changes constitutes your acceptance of the new Terms and Conditions.

7. Disclaimers

• No Warranty: Estra Finance provides its website and services “as is” and without any warranty or condition, express, implied, or statutory. We do not guarantee that the website will be available, secure, or free of errors, nor do we guarantee the accuracy, reliability, or completeness of the information provided.
• Limitation of Liability: In no event shall Estra Finance be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of, or inability to access or use, the website or services.
• Third-Party Links: Our website may contain links to third-party websites. These links are provided for your convenience only, and Estra Finance is not responsible for the content, privacy policies, or practices of any third-party websites.

9. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us at: ge******@**************om.ph

ESTRA FINANCIAL CONSULTANCY SERVICE 
Unit 5A, 5F Hollywood Square Building, 33 West Avenue, Brngy. Nayong Kanluran, Quezon City, Philippines