Terms and Conditions
Thank you for your interest in our products and services (“Services”). These Services are provided by and/or through MaybankZone.com, Kaasenso.com, or any other domain / website / app which are digital assets owned and/or operated by IDEA LAB Information Technology Solutions, in partnership with several third party entities including business partners (i.e. financial institutions, banks, insurance companies, etc.), affiliates (i.e. marketing partners like blogs, digital publishers, Net3preneurs Inc., and individuals), and other service providers and suppliers (from hereon, Maybankzone.com, Kaasenso.com, IDEA LAB, all IDEA LAB owned/operated digital assets, and all partners and affiliates will be collectively referred to as "MaybankZone" or "IDEA LAB").
By using our Services, you are agreeing to these terms.
Since our range of Services is continuously changing and growing, additional terms or product requirements may apply. These additional terms, if any, automatically become part of your agreement with us if you use our Services.
Using our Services
You agree to never misuse or abuse our Services. For example, you will not interfere with our Services or try to access them using methods other than what the site, our user interface, the normal usage / work flow, and the instructions that we provide. You will use our Services only for legitimate purposes and only as permitted by law. We reserve the right to immediately suspend or stop providing you our Services if you fail to comply with our terms or policies or if we suspect a potential breach or misconduct committed by you.
Using our Services does not grant you any ownership of intellectual property rights of our Services or of the content our sites contain. Using any information or content from our Services requires you to obtain explicit permission from its owner/s and/or should be otherwise permitted by law. Our terms do not give you the right to use any branding or logos used in our Services.
Our Services may display some content that are not MaybankZone’s or IDEA LAB’s. These content or information are and remains the sole responsibility of the entity that provided them and/or makes them available. Given the volume and growth of content in the site, we cannot and do not commit to reviewing all the content provided by third party companies and individuals in the site. Nevertheless, should we find (or if we are informed of such by users like you) any content that we consider or deem as illegal, questionable, inappropriate, misleading, or violates our policies or the law, we may immediately remove or refuse to display them without prior notice.
We may send you service announcements, notifications, recommended offers, and other information related to our Services using various channels including email, messaging, SMS, calls, and others. You may opt out of these channels or communications.
Your MaybankZone/IDEA LAB Account
A MaybankZone/IDEA LAB Account is required for many of our Services. You can register to open your own MaybankZone/IDEA LAB Account, or your MaybankZone/IDEA LAB Account may be assigned to you by a third party or administrator (i.e. your employer or association). Depending on your type of account, different terms may apply.
It is your responsibility to protect your MaybankZone/IDEA LAB Account, password, and your login credentials at all times. You are fully responsible for any and all activities and transactions that happens on or through your MaybankZone/IDEA LAB Account.
Privacy and Copyright Protection
Following the process set out by the law, we are strict in investigating alleged copyright infringement and we immediately terminate accounts of repeat infringers. In case of any copyright violation, please notify us immediately so that we can address and/or investigate accordingly.
Your Content in our Services
You retain ownership of any intellectual property rights that you may already hold in any content that you may have uploaded, submitted, sent or received using our Services.
When you upload, submit, send, or receive information or content to or through our Services, you give MaybankZone/IDEA LAB (and our partners, affiliates, agents, suppliers, and everyone we work with) a worldwide license to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This license continues even if you stop using our Services (for example, for all application forms and data you have already submitted to MaybankZone/IDEA LAB sites). Some Services may offer you ways to access and remove content that has been provided to that Service. You need to make sure you have the necessary rights to grant us this license for any content that you submit to our Services.
If you have a MaybankZone/IDEA LAB Account, we may display your Profile name, photo, details, and actions you take on MaybankZone/IDEA LAB or on third-party applications connected to your MaybankZone/IDEA LAB Account in our Services, including displaying in reports and other commercial contexts.
About Software in our Services
For Services that require or include downloadable software or content, the software / content may be updated automatically on your device once a new version or feature or content is available.
MaybankZone/IDEA LAB gives you a personal, worldwide, non-transferable, non-assignable and non-exclusive license to use the software provided to you by MaybankZone/IDEA LAB as part of the Services. This license is for the sole purpose of allowing you to use the Services as provided by MaybankZone/IDEA LAB, in the manner permitted by these terms. You may not copy, modify, distribute, sell, lend, share, or lease any part of our Services or included software, nor may you reverse engineer or attempt to extract the source code of our software.
Modifying and Terminating our Services
By using our Services, you explicitly agree, accept, and acknowledge that we may add or remove functionalities or features or we may suspend or stop Service/s entirely without prior notice. You can stop using our Services at any time and likewise, MaybankZone/IDEA LAB may also stop providing Services to you, or add or create new limits to our Services at any time. If we discontinue a Service, where reasonably possible, we may give you a little advance notice and a chance to get information out of that Service.
Our Warranties, Disclaimers, and Liabilities
We provide our Services and associated software AS IS AND WITH ALL FAULTS and you agree that in no event shall MaybankZone and IDEA LAB, its owners, officers, employees, and affiliates be liable, whether in contract or tort (including negligence) for any damages in excess of the amount you directly paid us for the use of the Services (if any).
To the extent permitted by law, the total liability of MaybankZone/IDEA LAB, and its partners, owners, affiliates, stakeholders, suppliers and distributors, for any claims under these terms, including for any implied warranties, is limited to the amount you directly paid us to use the Services.
Further, MaybankZone/IDEA LAB (including its owners, officers, affiliates, partners, stakeholders) shall not be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages of any kind, or loss of revenue or profits, loss of business, loss of information or data, or any and all financial losses arising out of or in connection with the ability or inability to use any and all of our Services, to the full extent these damages may be disclaimed by law.
To the extent permitted by law, we exclude all warranties. MaybankZone/IDEA LAB explicitly disclaims any other warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose or compliance with laws or government rules or regulations applicable to the Services, the content within the Services, the specific functions of the Services, or the Service's reliability, availability, or ability to meet your needs.
All users of our Services, including individuals or businesses, explicitly agree to hold harmless and indemnify MaybankZone/IDEA LAB and its affiliates, officers, agents, stakeholders, and employees from any claim, suit or action arising from or related to the use of the Services or violation of these terms, including any liability or expense arising from claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees.
About these Terms
We may modify these Terms from time to time. You, as a user, agree to regularly and consistently read and review the Terms of the Services. We will post notices of updates or changes to these Terms on this page. Changes become effective immediately but will not apply retroactively. If you continue to use the Services after the new Terms have already become effective, then that would automatically indicate your explicit approval and acceptance to be bound by the new Terms. If in case you do not agree to the modified terms for our Services, you should immediately discontinue your use of our Services.
No agency, partnership, joint venture, or employee-employer relationship is intended or created by these Terms. All rights granted to you are expressly defined by these Terms.
Should you fail to comply with any of these terms, our inability or failure to enforce any right or seek to remedy any breach or take action right away will not be construed as a waiver of such rights nor shall our actual waiver in one or more instances be construed as constituting a continuing waiver or as a waiver of any other breach.
If any provision of these Terms is held invalid or unenforceable, the remainder of these Terms and Policy shall remain in full force and effect. Where possible, the invalid or unenforceable provision shall be interpreted in such manner as to be effective and valid under applicable law.
Applicable Laws and Jurisdiction
By using our Services, you explicitly agree to attempt to resolve any claims or disputes by negotiation between us. If we are unable to resolve the dispute by negotiation, MaybankZone/IDEA LAB shall initiate mediation and/or binding arbitration in a forum set by MaybankZone/IDEA LAB. The prevailing party shall be entitled to recover its attorneys’ fees and costs in any dispute resolved by binding arbitration or litigation.
All claims or disputes arising out of or relating to these terms or the Services will be mediated or litigated exclusively in the courts of Makati City, Metro Manila, Philippines, and you and MaybankZone/IDEA LAB consent to personal jurisdiction in those courts.
These Terms and all rules and Policies regarding the use of the Services shall be governed exclusively by the law of the Republic of the Philippines. If you reside in a country that will not allow Philippine law to apply to your disputes or will not permit you to consent to the jurisdiction and venue of the courts being Makati City, Philippines, then you may not use these Services and you should stop using the Services immediately.
If you decide to use or continue to use the Services, then you explicitly agree that the laws of the Philippines will solely apply to any disputes arising out of or relating to these terms or the Services.
For information about how to contact MaybankZone/IDEA LAB, please visit our contact page.