GCash Pera Outlet Terms and Conditions

By applying to be a GCash Pera Outlet (GPO), you accept and agree to be legally bound by the following terms and conditions (T&Cs):

These Terms and Conditions (T&Cs) shall be effective, valid and binding from the time you agreed to it, and will exist up to the time that it is terminated by you or us, save for those provisions that will remain effective after termination as stated in these T&Cs, laws or regulations. GCash reserves the right to modify these T&Cs at any time without any advance notice. Any changes to these T&Cs will be effective immediately upon posting on this page, with an updated effective date. By accessing or using the GCash Service after any changes have been made, you signify your agreement on a prospective basis to the modified T&Cs and all the changes. Be sure to turn to this page periodically to ensure familiarity with most current versions of the T&Cs.

Please also read the Privacy Notice of GCash before using any or a portion of the GCash Service. The Privacy Notice describes the purpose and manner of collection, processing, and sharing of your personal data when using the GCash Service. If you do not understand or do not wish to be bound by these T&Cs and the Privacy Notice you cannot access or use any portion of the GCash Service. Further, you acknowledge that you have fully understood and agree to be governed by the rules and regulations of the GCash Service you are availing yourself of.

Under these T&Cs, the terms "GCash" "we", "us", and "our" refer to G-Xchange Inc. together with its employees, directors, affiliates, successor and assigns. GCash is duly registered with and licensed by the Bangko Sentral ng Pilipinas (BSP).

1. BASIC TERMS

1. By accepting these T&Cs, you represent that you are at least 18 years old, and that you are registering for GCash Pera Outlet account

2. As a registered business entity, you represent that you are duly authorized to do business and your employees, officers, representatives and other agents accessing or using the GCash Service are duly authorized to access and use the GCash Service and to legally bind you to these T&Cs and all transactions conducted under your mobile number and Mobile Personal Identification Number (MPIN).

3. Once approved as a GPO, you warrant that you shall adhere, at all times, to all applicable laws and regulations, including laws and regulations enforced by the Bangko Sentral ng Pilipinas and the Anti-Money Laundering Council, among others.  

2. DEFINITION OF TERMS

1. GCash Service - The term refers to the range of financial and non-financial services provided by GCash, including but not limited to mobile wallet functionalities, fund transfers, bill payments, purchasing of goods and services, and access to promotional offers. These services are accessible via the GCash mobile application and its associated platforms such as the GPO app.

2. GPOs – The term refers to the general trade customers, such as sari-sari store owners, targeted by the platform, which enables them to offer digital services through the GPO app.

3. GPO App and/or GPO Platform - The term refers to the mobile application specifically designed for GCash Pera Outlet (GPO) transactions and interactions. It includes all features, functionalities, and interfaces provided to users for managing their GPO transactions, and accessing GPO services.

4. GPO Services - The term encompasses all financial and transactional services provided through the GPO App. This includes services such as cash-in and cash-out transactions, bill payments, buy load, and any other financial services offered through the GPO App to facilitate customers’ needs.

5. GPO Wallet - The term "GPO Wallet" refers to the virtual wallet feature within the GPO App that holds the user's funds, allowing them to perform various financial transactions. This digital wallet can be used for cashing in, cashing out, making payments, and other financial operations as provided by the GPO Services.

6. GPO Account History - The term refers to the record of all transactions and activities associated with a user's GPO Wallet. This includes details of deposits, withdrawals, payments, and any other interactions that impact the balance or status of the GPO Wallet.

7. GPO Transaction History - The term refers to the detailed log of all financial transactions executed through the GPO App. This includes individual records of transactions such as cash-ins, cash-outs, bills payments, and any other financial operations performed by the user within the GPO app.

8. My Kita - The term refers to a specific part of the GPO app located at the bottom of the screen after logging in. This section displays the kita or earnings for each transaction. By clicking on this menu, users can filter by date and type of transaction or search for a particular transaction.

3. APPLICATION FOR GCASH PERA OUTLET

1. You agree to provide all necessary information and render all reasonable assistance and cooperation that we may require in order to complete your verification as a GPO. The information you provide will be used to determine if you are eligible to begin and/or continue to use your GPO App and/or GPO Services. All collection and use of your personal data by us are subject to the Privacy Notice of GCash.

2. You agree that if you are granted access to the GPO Platform without submitting the necessary business document(s), you will only be granted a 14-day period to comply with the said requirements. Otherwise, GCash reserves the right to suspend your GPO until you completely submit all of the necessary business document(s).

3. Depending on the specific GPO Service you will use, you agree that we may verify your registration information with the help of a third-party verification vendor, if necessary.

4. GCASH PERA OUTLET FEATURES, SERVICES AND OPERATIONS

1. Upon onboarding, a GPO Wallet will be created for you, independent from any personal user wallet that you may currently have with GCash, without any initial wallet limit. GCash, however, reserves the right to subsequently impose limits on your GPO Wallet if, upon its assessment, such is warranted by circumstances.

2. GCash will provide you with GPO merchandise and onboarding kit, which will include an instruction manual, stickers, and earnings cheat sheet. You agree to display all merchandise provided by GCash through its official partners, and prevent any form of vandalism to the best of your ability.

3. You will be granted access to the GPO Platform to access the following GCash Services, which you should make available to the customers during store hours unless there is a system downtime:
   1. Pa-Cash In 
   2. Pay Bills
   3. Pa-Cash Out 
   4. Send Load
   5. Fund-In

4. GCash may deactivate these GCash Services at any given time and for any duration

5. You are allowed to impose additional charges to a customer for all these GCash Services. GCash, however, will not be liable for any charges that is beyond GCash's Suggested Retail Price, which is found in the onboarding kit.

5. YOUR OBLIGATIONS AS A GPO

1. Follow the Law. Make sure you follow all laws and regulations related to money transfers and remittances at your business location. 

2. Process and Honor GCash Services. Always process and honor GCash Services as outlined in this Agreement, unless there are circumstances completely out of your control that you couldn't have anticipated or resolved.

3. KYM/KYB. Ensure all your agents are verified through KNOW YOUR MERCHANT (KYM) or KNOW YOUR BRANCH (KYB) checks before you allow them access to the GCash Services.  

4. Update GCash on New Hires. Let GCash know about any new employees or franchisees so GXI can arrange training within two (2) weeks of their hiring or shop opening.

5. Monitor Transactions. Keep track of all transactions and your agent network. Report any suspicious transactions or doubts about legitimacy to GCash within two (2) business days. 

6. Terminate Abusive Agents. If GXI identifies any abusive agents, stop all dealings with them within twenty-four (24) hours of GCash’s request. If you don’t, GCash may deactivate or suspend your access to GCash Services.

7. Support Investigations. Help with any investigations into fraud or abuse by providing GCash with necessary information and details about any suspected fraud, fraudulent agents ,unauthorized or fraudulent activities.

8. Share Information. Obtain consent from your agents to share their personal information with GCash if needed for investigations. GCash will keep this information confidential and only use it for investigating suspicious transactions.

9. Keep Records. Save all hard-copy and electronic records of remittance transactions, KYM, and KYB information for ten (10) years. Provide GCash access to these records when requested, and cooperate with any BSP or court requests for access.

10. Maintain Standards. Apply the same standards required by this Agreement to your agents and branches. Ensure they maintain good business practices and controls to protect both your and GCash’s interests.  

6. COMMISSION, FEES AND OTHER FINANCIAL MATTERS
   
   

1. Commission Fees. Your commission earnings for providing GCash services are as follows:
   • For Pa-Cash In transactions, you will earn 1% of the transaction amount.
   • For the Pa-Cash Out transactions,  you will earn 2% of the transaction amount.
   • For the Pay Bills transactions,  you will earn an average of ₱3.00 per transaction. Earnings may vary per biller.
     
     
2. Commission Payout and Verification. Your commission fee shall be paid out to your GPO Wallet on a real-time basis, after every transaction made. You can verify this by checking either the transaction history of the GPO Platform or the “My Kita” menu in the GPO App. GCash reserves the right to adjust or reverse the commission paid out to your GPO Wallet with respect to transactions that it has verified to be unsuccessful or fraudulent.
   
   
3. Distributor Fees. Distributors may offer a fund-in service to your GPO Wallet for which they may charge a fee of 0.5% of the funded amount. The Distributor will clearly disclose the fee before the transaction, and will be responsible for the collection and management of this fee. You retain the right to choose this service or to use the Dagdag Pondo fund-in service, which currently remains free. 

4. Changes to Commission Schedule. GCash may change the commission schedule but will communicate any fee and/or commission changes to you in advance and, if applicable, how to accept and make those changes effective. GXI will communicate via the usual channel of communication any change to commission rates within thirty (30) calendar days prior to implementation.

5. Acceptance or Rejection of Changes. Subject to applicable law, you accept the new fee and commission rates by continuing to conduct GPO Services after the change takes effect. If you do not agree with a price change, you have the right to reject the change by deactivating your GPO account prior to the price change going into effect.

7. FRAUD AND FRAUDULENT TRANSACTIONS

1. You are expected and required to use all necessary efforts to prevent the occurrence of fraud and fraudulent or unauthorized activities while processing transactions using GPO Platform.

2. You agree that you will not receive a commission fee for any transaction caused by fraudulent or unauthorized activities. You also agree that if GCash has already paid you your commission fee prior to being aware of the occurrence of fraudulent or unauthorized activities in your processing of such transactions corresponding to such commission fee, GCash shall consider such payment as “Excess Payment”, which it shall deduct or set-off from your future commission fee. 

3. In case of paragraph (2) above, GCash will inform you of the fact that it has considered your commission fee as “Excess Payment” and the amount of “Excess Payment” as soon as practical. If you would like to dispute the fact or the amount of “Excess Payment”, you must immediately notify GCash of your intent to dispute in order for GCash to initiate an investigation. GCash’s findings in its investigation will be final and conclusive.         

4. In addition to adjustment or reversal of paid commission fee or “Excess Payment”, GCash, upon notice, may also disconnect or block your access to the GPO Services. 

5. If GCash determines during its investigation that the fraudulent or unauthorized activities was not caused by your or any of your authorized representatives’ wrongful act omission, you shall work together with GCash to resolve the issue. 

6. If, however, GCash determines during its investigation that you or any of your authorized representatives committed fraud or participated in the commission of fraudulent or unauthorized activities, GCash, in addition to disconnecting your access to the GPO Services under paragraph (4) above, can do any or a combination of the following:

1. Full recovery or reimbursement from you of all the direct costs incurred by GCash because of the fraud, fraudulent or unauthorized activities that you or any of your authorized representatives committed or participated in; and 
2. Blacklist you or any of your authorized representatives committed, or participated in the commission of, fraud, fraudulent or unauthorized activities. 

8. INDEMNIFICATION: LIMITS OF LIABILITY

1. GCash is not liable for any indirect or consequential loss that you may incur. 

2. GCash is not liable for any misrepresentation, fraud, fault, or misconduct that you or any of your authorized representatives have committed. You shall be liable to GCash for the damages and losses that GCash will incur because of: (a) your failure or delay in performing your obligations as a GPO under this T&Cs; and (b) breach of your warranties and representations under this T&Cs.

3. You acknowledge that the GCash Service or the GPO App may not be operational all the time and may be interrupted by causes beyond GCash’s control. GCash, thus, shall not be held liable for causes not attributable to its fault or negligence, including Force Majeure.

9. SENDING OF ACCOUNT / TRANSACTION HISTORY STATEMENT

Upon the GCash Pera Outlet's request, GCash shall send a copy of the GCash Pera Outlet Account/Transaction History statement either via mail, fax or email, as may be applicable. The mere act of sending the Account Transaction History statement in the mode and to the address you indicated is conclusive presumption that you have received the same. GCash and its employees, agents, or representatives shall be held free and harmless from any and all liability should the Account / Transaction History statement be read by any person other than the GCash Pera Outlet. Neither can you thereafter raise the defence that you failed to receive the Account / Transaction History statement. In all instances, GCash Pera Outlet may inquire about the Account Transaction History statement by contacting the GCash Hotline. GCash may charge a fixed amount for Account / Transaction History Statement fee per request

10. DISPUTES AND ERRONEOUS TRANSACTIONS. The entries in the Account/ Transaction History statement are presumed true and correct unless GCash Pera Outlet notifies GCash in writing of any disputes thereon within fifteen (15) days from the date of transaction. If no dispute is reported within the said period, all transactions and the entries in the Account/ Transaction History statement are considered conclusively true and correct. Disputed transactions shall only be credited back to GCash Pera Outlet's Wallet once the claim/ dispute has been properly processed. investigated, and proven to be in favor of the GCash Pera Outlet. On the other hand, there shall be no reversals for transactions made through key-word based commands and erroneous transactions made by the GCash Pera Outlet.
11. DEACTIVATION AND REACTIVATION OF GCASH PERA OUTLET ACCOUNT

1. You may choose to deactivate your GCash Pera Outlet account either by contacting GCash directly or doing so via the GCash Pera Outlet Profile. Once addressed, the deactivation will take effect immediately.

2. Any existing balance in the GPO wallet will be disbursed to the account holder and further instructions will be given via email.

3. You may reactivate your GPO account at any given time thereafter, given compliance with the reactivation process. 

4. GPO wallets that are dormant or have had no monetary activity for more than six (6) months, or have zero balances, will be automatically closed/terminated.

12. PURELY CONTRACTUAL RELATIONSHIP. You and GCash are independent contractors. There is no relationship of agency, partnership, joint venture, franchise, or employment created between you and GCash. 
13. OWNERSHIP OF INTELLECTUAL PROPERTY. GCash reserves all rights relating to its intellectual property.
14. CONFIDENTIALITY

1. You agree to treat any non-public information of GCash, its agents, employees, and representatives, its operations, and the terms and conditions herein, as Confidential Information. During the term of this agreement, and thereafter, you shall hold all Confidential Information in strict confidence and shall not, directly or indirectly, use, disclose, appropriate, copy or communicate the same to any other Party without the written consent of GCash. Any and all information authorized to be disclosed shall be limited only to what has actually been specified by GCash in its written consent.  

2. Without the prior written consent of GCash, you shall not disclose to any person (except to your advisors and consultants) the fact that discussions or negotiations are taking place concerning the Project or the existence of this agreement/T&Cs, unless such disclosure is required by law and such disclosure is made after prior consultation with GCash.

3. You shall not issue any public announcement or otherwise concerning the Project without the approval of GCash, except as may be required by law.

15. DATA PRIVACY. To know more about how we collect, process, share, and protect your personal data when using the GCash Services, please read our Privacy Notice.
16. MERCHANT LOANS

As part of the GCash Services, you acknowledge and agree upon your acceptance of these Terms and Conditions that your personal data, and financial information may be shared to and processed by Fuse Lending, Inc., the lending affiliate of GCash, for loan eligibility assessment, data analytics, and marketing and communications.

Your information will be used by Fuse Lending, Inc.  in accordance with our privacy policy and solely for the purposes stated herein.

17. FORCE MAJEURE

1. "Force Majeure" means any event which includes all of the following: 
   1. could not have been foreseen or which were inevitable and beyond the control of the party invoking it, without any accompanying fault or negligence on the part of such party; 
   2. prevents or materially affects the ability of the invoking party to comply with any of its obligations under this Agreement; and 
   3. includes, but is not limited to, acts of God, laws, acts of war or conditions arising out of or attributable to war (whether declared or undeclared), riots, acts of terrorism, insurrection or rebellion, fire, explosions, earthquake, super typhoon, massive flooding, volcanic eruption, global or local disruption of access to the Internet, widespread or massive power outages, criminal activity, telecommunications service interruptions, unauthorized access Or by theft, alteration, loss or to destruction of PF's applications, data, programs, information, network or systems through accident, fraudulent means or any other method by Merchant's users and third parties, or any other analogous event.

2. GCash or the GPO may not claim the benefit of Force Majeure if the event claimed as Force Majeure occurs as a direct result of the affected party's own action(s) or inaction, or the action(s) or inaction of its affiliates, sub-contractors, or other persons under its control.

3. Despite our efforts to ensure the security of our system, you acknowledge the possibility that all electronic data transfers may potentially be susceptible to interception by others. We cannot guarantee that data transfers on the GCash Pera Outlet App or emails transmitted to and from us will not be monitored or read by others.

18. SEPARABILITY CLAUSE. If the court finds any provision of this T&Cs invalid or unenforceable, such court decision shall not affect the remainder of this T&Cs.  
19. GOVERNING LAW ; DISPUTE RESOLUTION. The laws of the Republic of the Philippines will govern this T&Cs and any matters arising from it. Any dispute arising out of or relating to this T&Cs shall be brought before the proper courts of Taguig City, Metro Manila, to the exclusion of all other courts.