Terms of Use

Acceptance of these terms

By using Pag-IBIG Fund Guide (this website), you agree to these Terms of Use. If you don't agree with them, the appropriate step is to stop using the site — there's no account or sign-up here, so use itself is what these terms govern.

What this site is

Pag-IBIG Fund Guide is an independent, unofficial resource providing educational content, planning tools, and calculators related to the Home Development Mutual Fund (Pag-IBIG Fund). It is not the Home Development Mutual Fund, not affiliated with or endorsed by it, and cannot process contributions, withdrawals, loan applications, or any official Pag-IBIG transaction. See the Disclaimer for full detail on what the planners and calculators are — and aren't — meant to be used for.

No warranty on accuracy

Content, figures, and calculator outputs on this site are provided "as is," without warranty of any kind, express or implied. While real effort goes into sourcing and verifying the numbers used here (see the Editorial Policy for how that works), Pag-IBIG Fund's own rules, rates, and circulars can change at any time, and this site's content can lag behind those changes. Nothing here should be treated as a substitute for confirming current terms directly with Pag-IBIG Fund.

Not financial, legal, or tax advice

Nothing on this site constitutes financial, legal, or tax advice. Planners and calculators model illustrative scenarios based on the inputs you provide and assumptions this site documents — they don't account for your complete personal financial situation. Decisions about contributions, loans, or withdrawals are yours to make, ideally after confirming specifics with Pag-IBIG Fund directly and, where appropriate, a qualified financial or legal professional.

Acceptable use

You agree not to:

• Use this site for any unlawful purpose, or in a way that could damage, disable, or impair it
• Attempt to gain unauthorized access to any part of the site, its infrastructure, or data
• Scrape, copy, or republish substantial portions of this site's content without permission
• Misrepresent this site as an official Pag-IBIG Fund channel, or use its content to impersonate one

Intellectual property

The text, design, and original content on this site are owned by Pag-IBIG Fund Guide, except where explicitly attributed to another source. Pag-IBIG, HDMF, and related names/marks belong to the Home Development Mutual Fund and are referenced here only descriptively — their use doesn't imply any affiliation or endorsement.

Changes to these terms

These terms may be updated as the site evolves. Material changes will update the "Last updated" date above. Continued use of the site after a change means you accept the revised terms.

Limitation of liability

To the fullest extent permitted by law, Pag-IBIG Fund Guide and its operator are not liable for any loss or damage arising from your use of this site, including decisions made based on its planners, calculators, or content. Use of this site is at your own discretion and risk.

Governing law

These terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law principles.

Questions

Questions about these terms can be sent through the Contact page.