Responsible Lending Policy

a) Income verification: We assess the borrower's declared monthly income and employment status;

b) Existing obligations: We consider any existing debts or financial commitments;

c) Debt-to-income ratio: We ensure the total monthly repayment does not exceed a reasonable percentage of the borrower's income;

d) Borrowing history: We review the borrower's repayment track record with EastCash;

e) Loan purpose: We consider whether the loan amount is appropriate for the stated purpose.

a) The total loan amount;

b) The interest rate (expressed as a percentage per period);

c) All applicable fees and charges (service fee, processing fee);

d) The net disbursement amount (amount actually received by the borrower);

e) The total repayment amount;

f) The repayment schedule and due dates;

g) Late payment penalties and their calculation method;

h) The Annual Percentage Rate (APR) for comparison purposes.

a) Maximum loan amount: PHP 20,000 to prevent over-indebtedness;

b) One active loan at a time: Borrowers may only have one outstanding loan to prevent debt stacking;

c) Cooling-off period: A reasonable waiting period between loan applications;

d) Graduated credit limits: New borrowers start with lower limits that increase based on positive repayment history;

e) Maximum interest rate: Our interest rates comply with SEC-mandated caps for lending companies.

a) We will only contact the borrower through legitimate communication channels;

b) We will not use abusive, threatening, or harassing language;

c) We will not contact the borrower's family, friends, or employer without prior consent;

d) Collection calls are limited to reasonable hours (8:00 AM to 9:00 PM PHT);

e) We will provide clear information about the outstanding amount and available options;

f) We offer restructuring options for borrowers experiencing genuine financial difficulty.

a) Receive clear and complete information about loan terms before accepting;

b) Receive a copy of your loan agreement;

c) Prepay your loan at any time without additional penalties;

d) Request a detailed statement of your account;

e) File a complaint if you believe you have been treated unfairly;

f) Access your personal data and request corrections;

g) Be treated with dignity and respect at all times.