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SeaMoney Credit - Terms and Conditions

Effective: December 2, 2024

1. Introduction

1.1 Welcome to SeaMoney Credit by SeaMoney (Credit) Finance Philippines, Inc. doing business under SPayLater and SLoans. Please read these Terms and Conditions carefully before using the Services (as defined below), so that you are aware of your rights and obligations with respect to the Services.

1.2 These Terms and Conditions describe the terms and conditions applicable to your use of the Services on the Platform and constitute an agreement that creates a legally binding relationship between you and us. You acknowledge and accept that these Terms and Conditions also constitute an integral part of the Service Documents.

1.3 By using the Services, you agree to be legally bound to these Terms and Conditions. You represent and warrant to have read, understood and accepted these Terms and Conditions and that you will only use the Services for your own benefit (as the beneficial owner of your Account with us), or that of the corporation, partnership, or sole proprietorship that you duly represent, and not for the benefit of any other person or entity. If you do not agree to these Terms and Conditions or if you are not the beneficial owner or the Authorized Representative (as defined below) in using the Services, you must cease your use of the Services.

1.4 In using the Services, you acknowledge and agree that you are bound by the additional terms and conditions as provided under the relevant Loan Facility Agreement (including any other document referred to in the Loan Facility Agreement, such as additional terms and conditions provided by a Lender other than SeaMoney), which will be deemed incorporated herein by reference and made available to you by the relevant Lender prior to, or at the time of, their provision of the relevant Credit Facility to you. In the event of any conflict or inconsistency between the provisions of these Terms and Conditions and the provisions of the Loan Facility Agreement, the provisions of the latter will prevail.

1.5 You acknowledge and agree that activation of any Credit Facility on the Platform and the reflection of an Available Credit Limit does not automatically grant you a Credit Facility and such activation and limit only reflect that you can apply for a Credit Facility to a certain amount and that we will process such application. For the avoidance of doubt, your application for a Credit Facility shall still be subject to the approval and grant of the Lender and or Facility Manager, as may be applicable.

2. Definitions

2.1 Except as expressly provided otherwise herein, the terms defined herein will have the following meaning:

“Account” means the Borrower’s account on the Platform that Borrower uses to transact the Services.

“Authorized Representative” means a person authorized by the Borrower to perform any acts for and on behalf of the Borrower (including without limitation the signing, execution, or delivery of any agreements or documents) in connection with the Credit Facility, as documented via a duly notarized Secretary’s Certificate or Partners’ Resolution, as may be applicable.

“Borrower” or “you” means any natural person, legal entity or business entity identified in the Platform as applying for or has applied for a Credit Facility via the Services.

“Content” means the entire content of Platform and the Services, in whole or in parts thereof, including but not limited to any information, design, images, sound, music, videos, writings, databases, photos, software, tariffs, fees, graphics, articles, any other information and any selection and arrangement thereof.

“Credit Facility” means the financing facility granted by the Lender through to the Borrower in the form of loans (including but not limited to SLoans and SPayLater) in the Platform or other means, with terms and conditions as may be stipulated here and in the applicable Loan Facility Agreement, if any. Any references to “Loan Facility” shall mean references to “Credit Facility”, and vice versa.

“Force Majeure” means any events beyond our control, including but not limited to natural disasters, fire, flood, war, riot, the action of the government and all events which by the exercise of reasonable efforts by us are unavoidable or insurmountable.

“Lender” means SeaMoney or any other individual, legal entity or business entity that provides a Credit Facility to a Borrower (including any of such Lender’s successors and/or assignees) via the Services under a Loan Facility Agreement.

“Loan Facility Agreement” means an agreement entered or to be entered into between you and SeaMoney or any other Lender for the provision of a Credit Facility via the Services, which may be with the facilitation, cooperation and assistance of a Facility Manager (as defined in the relevant Loan Facility Agreement), together with any of its schedules and documents relating to the Loan Facility Agreement (including, but not limited to any permitted adjustment, amendment and assignment therein), all of which shall constitute an integral part thereof.  Any references to “Loan Facility Agreement” shall mean references to “Credit Facility Agreement”, or any other document evidencing the debt that you incur payable to the Lender, and vice versa.

“Services” means the products and services that we provide relating to the Credit Facility. For the avoidance of doubt, a reference to “service” or “Services” in these Terms and Conditions includes (but is not limited to) providing, and/or facilitating the provision of, credit, lending or deferred payment services to Borrowers, as well as the repayment thereof.

“Service Documents” mean any document, including but not limited to the Loan Facility Agreement, these Terms and Conditions and the Terms and Conditions of the specific Lender that granted your Credit Facility, our relevant privacy policies, Frequently Asked Questions (FAQ) relating to the Services, and any other policies and/or documents we may make available from time to time to you.

“Service Partner” means the authorized third-party service provider of SeaMoney, Lender, and/or Shopee, respectively, who assist in making the Services available to you, or in enforcing any right or remedy or fulfilling any obligation of SeaMoney, Lender and/or Shopee under relevant laws and the Service Documents.

“Shopee” means Shopee Philippines, Inc.

“Platform” means the e-commerce platform operated by Shopee, available at https://shopee.ph/, which may be accessible via desktop website, mobile website and/or iOS and Android-based applications, and any other online or offline platform through which the Services (in whole or in part) may be made available to you.

“We”, “Us” or “SeaMoney” means SeaMoney (Credit) Finance Philippines, Inc. doing business under the name “SPayLater” and “SLoans”.

3. Your Use of Services

3.1 You must use the Services for the sole and limited purpose of applying for a Credit Facility, obtaining a Credit Facility from a Lender as agreed in the Loan Facility Agreement, paying amounts due under the Loan Facility Agreement and other purposes permitted by the prevailing laws and regulations, these Terms and Conditions and the Service Documents.  

3.2 You agree that we, the Lender, Shopee, and/or any Service Partner may contact you in relation to your use of the Services, the Credit Facility and/or the Service Documents, including but not limited to any marketing, application, order checkout, disbursement, billing, repayment, overdue, collection, and/or account control-related matters.

3.3 You acknowledge and agree that we may allocate your Credit Facility to any Lender at our sole and absolute discretion. We shall provide you additional details regarding your Credit Facility as and when requested.

3.4 You acknowledge and agree that, where we are not the Lender under a Loan Facility Agreement, we act only as Facility Manager to provide the Credit Facility, through our facilitation, cooperation and assistance with the Lender. In such instance, by using the Services, you agree to the following: (a) you irrevocably appoint us as Facility Manager with the functions, rights and authorities under the applicable Loan Facility Agreement; and (b) you may be charged by us with fees for our Facility Manager services, which is separate from the amounts due to the Lender under the Credit Facility.

3.5 Without prejudice to any other requirement in relation to the Services and the Loan Facility Agreement, to use the Services, you must first register as a user on the Platform and provide all requested information on the registration page of the Platform.

3.6 As part of our provision of the Services, you acknowledge and accept that we, Shopee, the Lender and/or a Service Partner are entitled to conduct credit scoring, customer due diligence and/or any other checks on your eligibility as a prospective or current Borrower, and your ability to satisfy relevant payment obligations of the Credit Facility (collectively, “Customer Due Diligence”). You acknowledge and agree that we and the other Lenders are entitled to disclose information about you, the Credit Facility and the Loan Facility Agreement (including, but not limited to, personal data and customer information) as may be permitted under Service Documents or by applicable laws and regulations.

3.7 As part of our Customer Due Diligence process (as outlined under clause 3.6 above) and to the extent permitted under relevant laws, you acknowledge and accept that the Lender and/or any Service Partner may contact you or other relevant institutions, companies and/or individuals in the course of (without limitation) verifying your identity, assessing your creditworthiness and confirming any other information as may be deemed relevant at the sole discretion of the Lender and/or its Service Partner. You also acknowledge and agree that your listed secondary contacts may also be contacted to secure your alternate contact details if we do not receive any response from you through the contact details that you provided. You hereby irrevocably consent to the above and authorize the Lender and/or Service Partner to undertake the foregoing.

3.8 Access to your Credit Facility is strictly subject at all times to the Lender and/or its Service Partner satisfactorily conducting and completing their credit scoring assessment and other Customer Due Diligence measures (at their sole discretion) as outlined under this clause 3. The Lender’s decision in relation to the foregoing is absolute, final, and binding. In the event the relevant Lender opts not to grant you a Credit Facility, you acknowledge and accept that the Lender will have no obligation to provide any details or reasons whatsoever for any such decision.

3.9 The maximum loan amount under your Credit Facility will be as determined by the Lender at its sole and absolute discretion. You hereby acknowledge and agree that the determination of the amount of the Credit Facility to be granted to you will be at the sole discretion of the Lender and is absolute, final and binding.

3.10 The applicable interest rate or (as the case may be) installment fee in relation to your Credit Facility is set forth under the Loan Facility Agreement. For the provision of the Credit Facility and your use of the Services, you will be charged with a processing fee, late fees for delayed or missed payments, and other fees as may be specified under the Loan Facility Agreement.

3.11 In the event of partial payment, the amount repaid will be applied to applicable stamp taxes, if any, and thereafter in the following order:

(a)   firstly, in payment of late fees (if any);

(b)   secondly, in payment of interest or (as the case may be) installment fees;

(c)   thirdly, in payment of other fees (if any); and

(d)   then, in repayment of the principal amount.

You acknowledge and agree that in the event that the calculation of the fees will result in decimal values, the Lender will round up such fees.

3.12

(a) We will disburse the loan proceeds of your Credit Facility to your nominated account, including but not limited to sales, bank, electronic wallet, or other types of accounts. Once disbursed, the loan amount and any applicable interest, fees, and charges shall be final, and you shall be obligated to repay the same in accordance with the terms of your Loan Facility Agreement. 

(b) You will repay the Credit Facility according to the schedule of payment in the applicable Loan Facility Agreement, or as communicated to you through the Platform. You may choose from among the payment methods that the Lender, Shopee, and/or SeaMoney may make available to you. For your convenience, where such functionality is available for a payment method, you may also authorize us to automatically charge/deduct your outstanding balance (in whole or in part) from your preferred payment method on a recurring basis, which shall continue indefinitely until you revoke such authorization.

(c) Any failed, delayed, or incomplete payment may cause you to incur additional fees, which may be charged with or without prior notice to you.   

(d) Some payment methods may impose fees to facilitate your transaction, and it is your responsibility to read and accept the terms of your preferred payment method before proceeding with your transaction. We shall not be responsible to you for any losses or charges that you incur in relation to your chosen payment method.

3.13 We and/or the Lender will notify you of any changes to the Terms and Conditions and other terms or fees applicable to the Credit Facility or the Services. We and/or the Lender will also provide you with information relating to the Credit Facility in accordance with the prevailing laws and regulations.

3.14 You hereby grant an irrevocable authorization to us, the Lender and/or any Service Partner to do the following:

(a)   To collect, process, use, forward and/or provide any information, data and/or documents that you submit, or that we receive or obtain about you, for the operation of the Services and the back-end systems that support it;

(b)   To receive, forward, use, process or deliver all information relating to the Credit Facility to the Lender, Service Partner, or relevant government agency or legal authority; and/or

(c)   To take any and all actions required to use the Services pursuant to the Service Documents.

4. Borrower Risks

4.1 The Loan Facility Agreement under which a Credit Facility is provided is a contract between the Lender and the Borrower (and SeaMoney, if we are acting as Facility Manager and not Lender). You acknowledge and accept that any and all risks associated with such agreements will be borne by you as the Borrower, including (without limitation) risks associated with repayment default.

4.2 To the extent permitted under law, you acknowledge and accept that SeaMoney, the Lender, Shopee, and/or the affiliates or Service Partners of any of the foregoing may access, obtain, store, manage and/or use your personal data on or in any objects, electronic devices (including smartphones or cell phones), hardware and/or software, electronic documents, applications or electronic systems belonging to or controlled by you, for the purposes disclosed to you in the relevant Privacy Policy.

4.3 You acknowledge and accept that it is your responsibility to take into consideration interest rate, processing fee, facilitation fee, installment fee, late fee, and other fees relating to the Credit Facility based on your ability to repay the relevant Credit Facility.

5. Borrower’s Representations and Warranties

5.1  You hereby represent and warrant the following:

5.1.1 (if you are an individual acting as the Borrower yourself, or as the Authorized Representative of Borrower) - you are (i) a citizen of the Republic of the Philippines, or holding a visa with a validity of at least six (6) months as of the date of the activation of the Credit Facility and (ii) you have the requisite legal capacity to enter into the Loan Facility Agreement and fulfill the obligations of the Borrower therein;

5.1.2 (if the Borrower is a corporate entity):

(a)   the Borrower is a corporate entity duly organized and validly existing under the laws of the Republic of the Philippines and have all requisite power, authority and legal right to own its properties and assets and to carry on its business as it is now being conducted under the laws of the Republic of the Philippines;

(b)   all necessary consents, approvals and authorizations required in connection with the execution, delivery and performance by the Borrower and all other relevant documents to be delivered for the Credit Facility or for the validity or enforceability thereof, have been obtained and are in full force and effect and true copies thereof have been delivered to the Lender prior to the date of disbursement of the Credit Facility; and

(c)   the Borrower will promptly notify the Lender in writing of (a) any change in mandate of any Authorized Representative (b) any change or variation in the specimen signatures of any Authorized Representative or (c) any change in the list of Authorized Representative, in each case, by delivering to the Lender a notarized document in the form prescribed by the Lender. The Lender shall be entitled to rely upon the identity and authority of each Authorized Representative identified by the Borrower in any such document until it has received written notice of any change or amendment to the contrary in the manner set out in this article or as otherwise specified by the Lender.

5.1.3 You have the competence under relevant law to agree to these Terms and Conditions and perform any obligations pursuant to it, and have obtained all necessary licenses and approvals (as applicable) as may be required under relevant law to use the Services;

5.1.4

(a)   All facts, data, information, documents and explanations that you provide to us are true and accurate, and any and all documents furnished to us in any other form whatsoever are true and accurate copies of the original thereof;

(b)   In cases where there are inconsistencies or discrepancies between the personal information you have provided during the Know Your Customer (“KYC”) or customer due diligence (“CDD”) process and the details presented in the submitted proof of identity or other supporting documents, we reserve the right to review, verify, and amend your KYC information as deemed necessary to correct such inconsistencies. This process may involve updating personal details, including but not limited to, your name, date of birth, address, and identification number to ensure compliance with regulatory requirements and accuracy of records. You will be notified of any changes made to your KYC information, and you may be required to provide additional documents, if necessary. If you disagree with any changes made or believe there has been an error, you may contact us for further support:

(c)   We reserve the right to conduct transaction monitoring and/or CDD as often as may be required by applicable law or company policy. You agree that the data processing consent that you provide upon Account opening shall be effective and valid for such subsequent transaction monitoring and due diligence activities, for as long as you have an Account with us.

5.1.5 No event of default has occurred under any other agreement to which you are a party (either resulting from being bound by the Loan Facility Agreement or other reasons whatsoever);

5.1.6 Your use of the Services do not breach any laws, regulations, order, decree of any court or administrative body applicable to you, or agreement and/or document binding on you, and you are not the subject of any dispute which might reasonably be expected to invalidate any agreement which may have a materially adverse effect on the performance of your obligations under the Loan Facility Agreement, your financial condition or business; or otherwise impair your ability to carry out your obligations in the use of the Services.

5.1.7 You have no outstanding liabilities which would materially impair the fulfillment of your obligations to the Lender or the exercise of any rights by the Lender under the Loan Facility Agreement;

5.1.8 You will not, directly and/or indirectly and without limitation, take part in the activities of terrorism networks, criminal organizations, money laundering syndicates, human trafficking syndicates, narcotics cartels and illegal drugs, illegal weapons, and/or smuggling organizations or similar organizations.

5.1.9

(a)   You agree that we have the authority to temporarily hold funds that are subject of a disputed transaction for up to thirty (30) calendar days, unless otherwise allowed to be extended by applicable regulation or by order of a court of competent jurisdiction. 

(b)   To resolve a disputed transaction, you agree that we may initiate a coordinated verification process, which may include you, other financial institution/s, and/or relevant government agencies.  In line with this, you accept that the provisions of Republic Act No. 1405 or the “Banking Secrecy Law” as amended; Republic Act No. 6426, or the Foreign Currency Deposit Act of the Philippines", as amended; Republic Act No. 8367, or the "Revised Non-Stock Savings and Loan Association Act of 1997; and Republic Act No. 10173, or the "Data Privacy Act of 2012" shall not apply during the coordinated verification process for such disputed Transaction.

(c)   For purposes of this clause, a transaction shall be deemed disputed if, based on our own policy or based on information received from other sources, we have reasonable ground to believe that the transaction appears to be unusual, without clear economic purpose, from an unidentifiable or illegal source or unlawful activity, or facilitated through social engineering schemes.

6. Data Protection and Confidentiality

6.1 The protection and confidentiality of your personal data is important to us. To better protect your rights, you are required to read and agree to the Privacy Policy of Shopee and SeaMoney, and also the privacy policies and notices of the Lender. By using the Services, you hereby agree to the sharing of your personal data to us and the other Lenders and use of your personal data in accordance with our and the other Lenders’ privacy policies and notices.

6.2 You hereby agree that we, our affiliates, the Lender, and/or any other third parties cooperating with us or any other Lender may collect, store, process, disclose, access, review and/or otherwise use your personal data in the provision of the Services to you, whether obtained from you or through any other sources (to the extent permitted under relevant laws and regulations and in accordance with our and the Lender’s privacy policies and notices).

6.3 To deliver the full functionality of the Platform and Services, Shopee, SeaMoney, the Lender or any Service Partner may use cookies to identify your device. The cookies used will record the section and duration of your visit to the Platform. You may decline the use of such cookies by configuring your web browser. Declining the use of such cookies may, however, impact your ability to access the Platform, the Services, the Credit Facility and/or Loan Facility Agreement.

7. Intellectual Property Rights

7.1 All copyrights, patents, trademarks and other intellectual property rights on the Platform (“Intellectual Property Rights”) are the property of Shopee, SeaMoney, the Lender or (if applicable) any third parties identified on such platform.

7.2 You will not use any Intellectual Property Rights without the written consent of the relevant owner thereof.

7.3 Your use of the Platform will not be deemed as a granting of license or right to use any Intellectual Property Rights without the prior written consent of the relevant owner thereof.

7.4 By using the Platform and the Services, you agree to comply with all prevailing laws and regulations relating to Intellectual Property Rights.

8. Limitation of Liability

8.1 You acknowledge and agree to the following:

8.1.1 Whenever SeaMoney is not the Lender under a Loan Facility Agreement, we act only to deliver the Services, through our facilitation, cooperation and assistance as a Facility Manager, as provided in the relevant Loan Facility Agreement.

8.1.2 Neither we nor Shopee will be held responsible for the fulfillment of your obligations to any third parties relating to your use of the Services. You agree to release and hold us harmless from any claims, losses or damages with respect to any and all risks, indemnity, costs, penalties and/or interests resulting from or relating to your use of the Services.

8.1.3 We may modify, change, repair, carry out maintenance, delay and/or terminate all or any parts of Platform, the Services, and Content without prior notice to you and at our sole discretion;

8.1.4 You are solely responsible for your access to the Platform, including protecting and maintaining the confidentiality of your password, PIN and/or any other security code provided to you, and to take any necessary actions to protect such data. You agree to release and hold us harmless from any losses or damages you may suffer as a result of your failure or negligence in protecting such data.

9. Indemnity

9.1 Without prejudice to any provisions of the Service Documents, you agree to release SeaMoney, the Lender, and Shopee, and the relevant Service Partner and affiliate of each of the foregoing, from any liability resulting from or relating to the following:

9.1.1 Any failure, delay or unavailability of access to the Platform, the Services and/or Content for any reasons whatsoever, including but not limited to any damage to system networks, servers, viruses or any other destructive devices, maintenance works;

9.1.2 Any changes, replacements, updates, terminations, deletions, modifications and/or maintenance to Platform, the Services and Content;

9.1.3 Any adverse effects that you may experience from accessing the Platform and using the Services, including, but not limited to any loss of profits, business interruption and/or business opportunities;

9.1.4 Any delay or failure to fulfill any obligations due to a Force Majeure event.

9.2 We do not guarantee the content, security, functionality, or availability of Platforms which are not operated by SeaMoney or Shopee.

10. Waiver

None of our rights (either as Facility Manager or Lender) will be deemed to have been waived, except in writing and signed by us or our proxy. Our failure to exercise any rights granted by these Terms and Conditions will not constitute a waiver of such rights or deprive us the right at any or subsequent time.

11. Prohibited Uses

In using the Platform and the Services, you agree that you will not:

11.1 Use the Platform or the Services for any purposes or in any way which breaches the Service Documents and any applicable laws and regulations;

11.2 Impersonate or provide an incorrect identity, either about yourself or your relationship with a third party, provide any other false, incorrect or inaccurate information or documents;

11.3 Use any information and/or data that you may receive relating to the Services for any purposes other than those specified in the Service Documents;

11.4 Upload or in any way distribute any material and data containing viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or computer code, files or other malicious programs designed to interrupt, affect, damage or limit the functionality of any computer software or hardware or telecommunications equipment, including without limitation the Platform;

11.5 Post any personal information of any third parties without their consent on the Platform, including but not limited to address, telephone number, email address, identity number, social security number and/or credit card number;

11.6 Unlawfully access or hack any part of the Platform, or otherwise block, disrupt, disable, overload or interfere with the performance or proper viewing of the Platform;

11.7 Create a link from your platform to the Platform in any way whatsoever without the prior written consent of Shopee;

11.8 Upload, promote or send in any way through the Platform any material or things that are prohibited by any relevant prevailing laws and regulations;

11.9 Use the Platform and/or the Services for purposes other than their intended use, such as but not limited to engaging in fraudulent or manipulated transactions; performing social engineering schemes; buying, selling, renting, or lending your Account or your privileges and access to the Platform and/or the Services, or committing any other act (or permitting another person or entity to commit such act) that may constitute a violation of the Anti-Financial Account Scamming Law, its implementing rules, and related regulations. 

12. Changes to the Terms and Conditions

12.1 You agree that we and/or Shopee may amend these Terms and Conditions at our sole discretion at any time without any liability to you. Any and all amendments to these Terms and Conditions will be notified to you through the Platform and will take effect immediately after such amendment is made available on the Platform.

12.2 By continuing your use of the Platform and the Services, you understand and agree that you are bound by these Terms and Conditions as may be amended from time to time.

13. Termination of Services

13.1 If we, the Lender, and/or Shopee believe that you have breached or acted inconsistently against these Terms and Conditions, including (without limitation) the provisions of the Service Documents or any applicable laws and regulations, you understand and agree that we, the Lender, and/or Shopee will have full authority to take any of the following actions, at our sole discretion:

13.1.1 At any time, with or without prior notice to you, terminate, deactivate or close your access to the Services and Platform (or any part thereof);

13.1.2 To issue a warning to you and/or to impose applicable charges on your Account;

13.1.3 To take any legal action against you for any and all losses, expenses, or damages (including, but not limited to reasonable legal and administrative costs) caused by any such breach; and/or

13.1.4 To file a lawsuit against you.

13.2 Termination referred to in clause 13.1 above will not relieve or delay any obligations for the use of the Services or release you from making payment whatsoever (including but not limited to any reasonable legal and administrative costs) that you are required to pay due to your breach of any terms governing your use of the Platform and the Services.

14. Severability

If any one or more provisions of these Terms and Conditions will be held invalid, illegal or unenforceable in any way whatsoever under prevailing laws and regulations, such invalidity, illegality, unenforceability will not affect the validity, legality, and unenforceability of the remaining provisions hereof.

15. Governing Law and Dispute Settlement

15.1 These Terms and Conditions and the performance hereof will be governed by the laws of the Republic of the Philippines and construed in accordance with such laws.

15.2 In the event of any dispute, controversy, claim, or difference of any kind whatsoever arising between you and SeaMoney in connection with these Terms and Conditions, including the breach, termination, or validity of these Terms and Conditions, or in connection with the determination of any matters which are subject to objective determination pursuant to these Terms and Conditions (“Dispute”), each of you and SeaMoney shall attempt, for a period of thirty (30) days after the receipt by either you or SeaMoney of a notice from the other party of the existence of a Dispute (the “Dispute Notice”), to settle such Dispute in the first instance by mutual discussions between you and SeaMoney. If the Dispute cannot be settled by mutual discussions within the thirty (30) day period, you and SeaMoney hereby agree that the exclusive venue for any Dispute arising from or ­­­relating to these Terms and Conditions shall lie within the exclusive jurisdiction of the courts of Mandaluyong City.

16. Contact Us

If you have any questions or concerns about these Terms and Conditions or any issues raised in these Terms and Conditions, please contact us through the in-app chat:

To chat, go to the Me tab > Chat with Shopee > start chatting.

You may also contact us through different channels found in the Help Center.

LEGAL NOTICES: Please send all legal notices to legal.ph@seamoney.com and attention it to the “General Counsel”.

Corporate:

SeaMoney (Credit) Finance Philippines, Inc., doing business under SPayLater and SLoans, SEC Reg. No.: CS202005382 / Certificate of Authority No.: 1279

SeaMoney (Credit) Finance Philippines, Inc. is regulated by the Securities and Exchange Commission. Contact SEC through cgfd_flcd@se­c.gov.ph or 8818-5990.