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We believe in providing fair, transparent, and sustainable financial solutions to our customers while protecting them from over-indebtedness."}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Before You Borrow"}],["$","p",null,{"className":"mb-4","children":"Please consider the following before applying for a loan:"}],["$","ul",null,{"className":"list-disc pl-6 mb-6","children":[["$","li",null,{"children":"Only borrow what you can afford to repay"}],["$","li",null,{"children":"Ensure you have a stable source of income"}],["$","li",null,{"children":"Consider the total cost of borrowing, including interest and fees"}],["$","li",null,{"children":"Have a clear plan for repayment"}],["$","li",null,{"children":"Consider alternatives such as savings or family support"}],["$","li",null,{"children":"Understand that loans should be used for emergency needs only"}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Loan Assessment"}],["$","p",null,{"className":"mb-4","children":"We conduct thorough assessments to ensure loans are suitable:"}],["$","ul",null,{"className":"list-disc pl-6 mb-6","children":[["$","li",null,{"children":"Income verification to assess repayment capacity"}],["$","li",null,{"children":"Credit history review to understand borrowing behavior"}],["$","li",null,{"children":"Affordability checks to prevent over-borrowing"}],["$","li",null,{"children":"Identity verification for fraud prevention"}],["$","li",null,{"children":"Consideration of existing financial obligations"}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Transparent Pricing"}],["$","div",null,{"className":"bg-yellow-50 border-l-4 border-yellow-400 p-4 mb-6","children":[["$","h3",null,{"className":"font-semibold mb-2","children":"Example Loan Calculation:"}],["$","p",null,{"className":"text-sm","children":["Loan Amount: ₱10,000",["$","br",null,{}],"Term: 61 days",["$","br",null,{}],"Interest: 0% for first 7 days, then 1.99% daily",["$","br",null,{}],"Total Repayment: ₱21,446",["$","br",null,{}],"Total Cost of Credit: ₱11,446"]}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Customer Protection"}],["$","ul",null,{"className":"list-disc pl-6 mb-6","children":[["$","li",null,{"children":"Clear and transparent loan terms and conditions"}],["$","li",null,{"children":"No hidden fees or charges"}],["$","li",null,{"children":"Cooling-off period for reconsideration"}],["$","li",null,{"children":"Fair debt collection practices"}],["$","li",null,{"children":"Customer support for financial difficulties"}],["$","li",null,{"children":"Complaint resolution procedures"}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"If You're Having Difficulty"}],["$","p",null,{"className":"mb-4","children":"If you're experiencing financial difficulties, please contact us immediately:"}],["$","ul",null,{"className":"list-disc pl-6 mb-6","children":[["$","li",null,{"children":"We may be able to arrange alternative repayment plans"}],["$","li",null,{"children":"We can provide information about debt counseling services"}],["$","li",null,{"children":"We will work with you to find a suitable solution"}],["$","li",null,{"children":"Early communication helps prevent further complications"}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Debt Collection Practices"}],["$","p",null,{"className":"mb-4","children":"Our debt collection practices are fair and respectful:"}],["$","ul",null,{"className":"list-disc pl-6 mb-6","children":[["$","li",null,{"children":"We will communicate with you in a professional manner"}],["$","li",null,{"children":"We respect your privacy and dignity"}],["$","li",null,{"children":"We follow all applicable laws and regulations"}],["$","li",null,{"children":"We do not use harassment or intimidation"}],["$","li",null,{"children":"We provide clear information about your debt"}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Financial Education"}],["$","p",null,{"className":"mb-6","children":"We encourage financial literacy and responsible borrowing. Consider these tips:"}],["$","ul",null,{"className":"list-disc pl-6 mb-6","children":[["$","li",null,{"children":"Create and maintain a personal budget"}],["$","li",null,{"children":"Build an emergency fund for unexpected expenses"}],["$","li",null,{"children":"Understand the difference between needs and wants"}],["$","li",null,{"children":"Shop around for the best financial products"}],["$","li",null,{"children":"Seek professional financial advice when needed"}]]}],["$","h2",null,{"className":"text-2xl font-semibold text-gray-800 mb-4","children":"Regulatory Compliance"}],["$","p",null,{"className":"mb-6","children":"Cash Express Philippines is regulated by the Securities and Exchange Commission and adheres to all applicable laws including the Lending Company Regulation Act and the Data Privacy Act."}],["$","div",null,{"className":"bg-red-50 border-l-4 border-red-400 p-4 mb-6","children":[["$","h3",null,{"className":"font-semibold mb-2 text-red-800","children":"Important Warning:"}],["$","p",null,{"className":"text-sm text-red-700","children":"Borrowing money costs money. 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