These Terms of Use ("Terms of Use") are provided on behalf of Vidalia Lending Corp. and its affiliates ("Vidalia", "we", "us", "our"). By using www.vidalia.com.ph, including any sub-domain thereof (the "Site"), you signify that you have read, understand and agree to be bound by these Terms of Use, regardless of whether you are a registered member of the Service. Please read them very carefully. If you do not wish to be bound by these terms of use, you should not access or use the Site. In addition to these Terms of Use, you may enter into other agreements with us, Vidalia Lending Corp. that will govern your use of the products and services offered on the Site. If there is any contradiction between these Terms of Use and another agreement you enter into that applies applicable to a product or service offered on the Site, then the other agreement will take precedence as it applies to the product or service.


Your privacy is very important to us. Our Privacy Policy explains how we treat your personal information and protect your privacy when you use our Site. We will not share or sell any of your information with any third party, which is incorporated by reference into these Terms of Use. By being in this site, you are agreeing that the following personal information (hereinafter referred to as "Personal Information"):

  • Your full name, birth date and/or age, permanent and temporary residential address, details of government-issued ID, employment information, contact number/s, email address, bank account details, credit card and/or financial account information, financial history, transaction history, and purchase history,

  • other information such as but not limited to records of your visits and the data you submit when using the Site from which your identity may not be obvious or apparent or which may not reasonably and directly identify you,

  • information from third parties including information obtained, upon your authorization such as "Employment Information" from your employers and "Transaction and Credit Information" which includes transaction, financial and credit history stored by third parties,

  • data traffic and information usage elicited from your visits to https://vidalia.com.ph/.

  • information acquired from you (from you personally, or on your behalf from other third parties or sources), during your registration on our Site or amidst your application to any of our Site's products and services. These data shall be collected, used, processed, secured, kept, stored, and protected by Vidalia Lending Corp. following the Privacy Policy and these terms and conditions,

Your Personal Information may be collected or gathered through different sources such as cookies, flash cookies, login credentials, employee information from your employer, data gathered from your service providers, data gathered from third party credit bureaus and credit consolidators,

Vidalia Lending Corp. may use your Personal Information or other internet usage data as the Company may require in connection with the conduct of the Company's business, such as, but not limited to: (a) identify and determine you as a user of the Site; (b) communicate with you in relation to your registered account/s or requested information; (c) process the registration of account/s as part of the screening of the investors, borrowers, and loan applications; (d) user profiling; and (e) maintain internal records.

Your Personal Information will be kept and maintained by Vidalia Lending Corp. for such period necessary for legal and administrative purposes, and during the duration of your activities, and transactions concerning the services and products availed and utilized in https://vidalia.com.ph. This information will be discarded in a protected and secure manner that would avoid further processing, unlawful access or exposure to any third party or damage your interest. On the condition that the company may maintain copies of your Personal Information in the company's archives for determining its continuing obligations under this Agreement or according to its bona fide record retention or data back-up policies, access to which shall be restricted on a need-to-know basis, as may be demanded under applicable laws and regulations.

Electronic Communication

When you visit vidalia.com.ph or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically, satisfy any legal requirement that such communications be in writing to the extent permissible by law. You agree that we may send emails to you to advise you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.

Registrations and Applications

You may be presented with the opportunity to register, apply for a loan or register to be a loan investor through the Site. When you register, become a loan investor, or apply for a loan, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to cancel your registration, reject any application you have submitted, terminate any agreement we have with you and restrict your future use of the Site and our products and services. We reserve the right to reject any registration and/or decline any application for a loan.

Before registering or using https://vidalia.com.ph, it is significantly important for you to know that our services can only be administered and provided if you recognize and agree to communicate and present your appropriate employment, financial, and transactional information. These data may be acquired by Vidalia Lending Corp., on your behalf, from all relevant sources or third parties such as government agencies, service providers, etc. under your authorization and instruction.

Your Content and Information Sharing

By providing information or content on the Site, you expressly agree to all of the following:

  • You grant us a non-exclusive, transferable, sub-licensable, royalty-free, world license to use any information or content that you provide in connection with your use of the Site and our services, subject to the privacy provisions described in our Privacy Policy. We have the right to review, delete, reformat, excerpt, or translate any of your information or content.

  • You are solely responsible for the content and information you make available through or in connection with our products and services. The Company will not be held legally responsible for any use or misuse of your personal data by others with or without your consent.

  • You are responsible for keeping all ownership rights to the content (personal information) you have uploaded on the Site.

All the information and content posted on the Site or privately transmitted through the Site or via other means in connection with our services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omissions in any information or content posted by a user.

Account Responsibility

As a User, you are solely and completely responsible for keeping the privacy of your login information or User Credentials which includes your username, password, account name, and any other authentication and validation information you created or submitted to the Site ("Unique User Credentials"). Through the creation and maintenance of your account, you agree to respect and honor all activities executed and obligations pledged using your account.

You accept and verify that any use of your Unique User Credentials shall at all times assumed to be accessed by you, and if ever by a third party, with your consent and authority. All activities or any transactions using your Unique User Credentials shall be valid. At the same time, transactions created and committed are irrevocable and executed by you.

If there's any indication of illegal access to your account or any breach of its security, you are required to notify the Company of the relevant circumstances thereof as soon as possible.

Accountability for Account Misuse

Vidalia Lending Corp. will not be legally responsible for any loss that you may experience as a result of a third party's use of your account or password, either with or without your consent. As a User, you, on the other hand, can be held legally responsible for any disappearance or damage or loss experienced by the Company concerning or arising from a third party's use of the User's account or password.

Account Security

While Vidalia Lending Corp. has provided enough precautions as necessary under the Data Privacy Act of 2012, the Company does not grant any assurance or warranty concerning the same. Through this, you acknowledge that you submit and provide your Personal Information at your own risk.

Restrictions on Use

You agree to abide by all applicable laws and regulations in your use of the Site and our products and services. Also, you agree that you will not do any of the following:

  • post or otherwise make available content or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else's rights or is protected by any copyright or trademark, or otherwise violates the law;

  • post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable, or which restricts or inhibits any other person from using or enjoying the Site, or which may expose us or our users to any harm or liability of any type

  • post or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, or any other form of solicitation;

  • use the information or content on our Site to send unwanted messages to any other user;

  • impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity;

  • post or otherwise make publicly available on the Site any personal or financial information of any third party;

  • solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes;

  • use the Site or our products and services in any manner that could damage, disable, overburden or impair the Site;

  • harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use of automated scripts; or

  • post or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Contracts and Authorization

Your usage and involvement in the products and services on the Site can be based on your acceptance of certain contracts and authorizations. By officially indicating your agreement and permissions in that matter, you accept and agree to pledge and commit to terms and conditions thereof. Thus, such contracts and authorizations shall be considered validly and willingly performed by you. Upon request, Vidalia Lending Corp. may provide you electronic copies of such documents.

Changes and Modifications

We reserve the right to temporarily or permanently modify or discontinue the Site, or any portion of the Site, for any reason, without notice to you. We may also change the Terms of Use from time to time without notice to you. Please review these Terms of Use now and then because your continued access or use of the Site after any modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

If and only if any provision of these Terms of Service is considered by any capable authority to be nulled or invalid, the significant or relevant provision shall be altered to grant it to be imposed in accordance with the purpose of the original text to the fullest extent authorized by relevant law. The validity, efficacy, and enforceability of the remaining provisions of these Terms of Service shall not be influenced or affected.


Vidalia Lending Corp. may cancel or terminate your access to or ability to use the Site immediately, without initial notice or liability, for any reason or no reason, which includes breach of these Terms of Service.

Termination of your access to and use of the Site shall not relieve you of any obligations arising before termination or limit any legal responsibility that you otherwise may have to the Company or any third party.

Liability Limitation

The Company, Vidalia Lending Corp., its administrators, officers, representatives, agents, or any employees, shall not be accountable to you for loss, damage or casualty of any type which you may experience as a consequence of being a member or part of the Site. There is only such exception if the loss, damage or casualty result from our breach of these Terms of Service or was brought by total negligence, intentional default or misrepresentation by the Company or employees. The Company shall also not be held accountable for any breach of these Terms of Service resulting from occurrences outside our reasonable control.

Intellectual Property Rights

Vidalia Lending Corp. owned and authorized the design, trademarks, service marks, and logos of the Site ("Marks"), subject to copyright and other intellectual property rights under the laws of the Philippines, foreign laws and international conventions. You shall not utilize, use, copy, duplicate or distribute any of the Marks that can be found on the Site except otherwise with permission.


  • You accept and agree that all information, documents or notices can be forwarded to you electronically, through your e-mail address, or physically, through your postal mail provided upon registration. Consequently, you also recognize and approve that it is your lone obligation to update and inform the Company with your current e-mail address and postal address. Furthermore, Vidalia Lending Corp. shall not be accountable for any claim of loss or damage due to failure to receive notices.

  • These Terms of Use are administered by and interpreted in line with the Philippine law. All matters, demands or conflicts resulting from or concerning these Terms of Service, must be proposed to the exclusive jurisdiction of the courts of the City of Mandaluyong.


We are not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to non-Vidalia web sites are provided solely as pointers to information on topics that may be useful to our users. Since third party web sites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.


I certify that I read and understood, at the same time, agree to the foregoing Terms of Use. By approving with your Terms of Use and Privacy Policy I convey my explicit permission in compliant with the Data Privacy Act of 2012 or Republic Act No. 10173, and its Implementing Rules and Regulations (proclaimed last August 24, 2016) together with other relevant confidentiality and data privacy laws of the Philippines. I accept and approve to hold the Company, Vidalia Lending Corp., its officers, directors, stockholders, and employees, free and blameless from any and all liabilities, inconvenience, damages, actions, claims, and disputes in regards with the utilization, processing or usage of Personal Information in accordance to my compliance or approval under these Terms of Service.

Copyright © 2008-2019 Vidalia Lending Corp.
All Rights Reserved.
Vidalia Lending Corp. is regulated by Securities and Exchange Commission (SEC) with License No. CS200813771 and COA No. 279 issued October 2008. Incorporated with registered office at Unit 601 Summit One Tower #530 Shaw Boulevard Mandaluyong City, 1552 Metro Manila Philippines