Terms & Conditions

1 Acceptance of Terms

By creating an account and using Argonar System ("Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Service.

2 Description of Service

Argonar System is a comprehensive loan management system designed for cooperatives, lending companies, and microfinance institutions in the Philippines. Our platform enables organizations to:

• Manage borrower information, profiles, and loan applications
• Track loan disbursements, amortization schedules, and payment collections
• Process and record payments with automated penalty calculations
• Generate detailed reports, analytics, and collection sheets
• Manage organizational users with role-based access control
• Handle cooperative-specific features like share capital and savings
• Provide borrower portal access for self-service account viewing

3 Account Registration

To use the Service, you must:

• Provide accurate, current, and complete registration information
• Be duly authorized to represent your organization
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized access or security breach
• Be at least 18 years old or the legal age of majority in your jurisdiction

You are responsible for all activities that occur under your account.

4 Subscription Plans & Payments

Our Service offers various subscription plans with different features and limits:

• Free Plan: Limited features for trial and small operations
• Paid Plans: Starter, Basic, and Professional tiers with increased limits
• Subscription fees are billed annually unless otherwise specified
• Plan upgrades take effect immediately; downgrades at the end of billing cycle
• Refunds are handled on a case-by-case basis
• Failure to pay may result in service suspension or downgrade to Free plan

5 User Responsibilities

As a user of the Service, you agree to:

• Use the Service only for lawful purposes and in compliance with Philippine laws
• Comply with all applicable lending regulations, including BSP circulars if applicable
• Maintain accurate and complete records of all financial transactions
• Protect the confidentiality and privacy of borrower information
• Not share account credentials with unauthorized persons
• Not attempt to reverse engineer, hack, or disrupt the Service
• Not use the Service for fraudulent, predatory, or illegal lending activities

6 Data Privacy

Your use of the Service is also governed by our Privacy Policy, which complies with the Data Privacy Act of 2012 (R.A. 10173). By using the Service, you consent to the collection, processing, and use of information as described in the Privacy Policy.

You are responsible for ensuring that your collection and processing of borrower data through our Service complies with applicable data protection laws.

7 Intellectual Property

The Service, including all content, features, functionality, software, and design elements, is owned by Argonar Software OPC and is protected by copyright, trademark, and other intellectual property laws of the Philippines and international treaties.

You may not copy, modify, distribute, sell, or lease any part of the Service without our explicit written permission.

8 Limitation of Liability

Argonar Software OPC shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, business opportunities, or goodwill
• Service interruptions due to factors beyond our reasonable control
• Actions taken based on information or calculations in the Service
• Third-party claims arising from your use of the Service
• Your lending decisions or borrower defaults

9 Service Availability

We strive to maintain 99.9% Service availability but do not guarantee uninterrupted access. We may temporarily suspend the Service for:

• Scheduled maintenance and system updates
• Emergency security patches
• Infrastructure upgrades
• Circumstances beyond our reasonable control

We will provide advance notice of scheduled maintenance when possible.

10 Termination

We reserve the right to suspend or terminate your account for:

• Violation of these Terms and Conditions
• Non-payment of subscription fees after grace period
• Fraudulent, abusive, or illegal activities
• Actions that harm other users or the Service
• Extended period of inactivity (accounts may be archived)

Upon termination, you may request export of your data within 30 days. After this period, your data may be permanently deleted.

11 Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the modified Terms.

12 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising from these Terms or your use of the Service shall be resolved through:

1. Good faith negotiation between the parties
2. Mediation under the Philippine Mediation Center
3. Arbitration or litigation in the courts of competent jurisdiction in the Philippines

Contact Us

For questions about these Terms and Conditions, please contact: