PHILTECH BUSINESS – POLICIES, TERMS & CONDITIONS AND AGREEMENTS

By AVAILING the PHILTECH FRANCHISE NEGOSYO PACKAGE, it is clearly understood that you voluntarily availed our negosyo package offered and you agree to abide by the company policies, terms, conditions, and agreements governing PHILTECH Business Group’s negosyo packages, as well as the terms of use of this website.

APPLICATION AND REGISTRATION
Interested individual, or company or organization will apply & register in PHILTECH Online System Registration Form to avail the NEGOSYO PACKAGE. As part of our company policy and due diligence, the full process must be completed. Additionally, you must submit & upload valid ID for KYC (Know Your Customer) to unlock the full functions of your Business Dashboard.

You agree to provide accurate, current, and complete information about yourself as prompted by the Online Registration Form (“Registration Data”). Upon registration as a franchisee, you will be asked to pay for the NEGOSYO PACKAGE you choose. You will be asked to read carefully and understand the “TERMS & CONDITIONS” and “PRIVACY POLICY” during registration.

If registration is completed, you will receive an email notifications containing your log-in details of your PHILTECH BUSINESS Dashboard. You are aware that you are solely responsible for maintaining the confidentiality of your username and password, and for all activities that occur under your business account. Notify us immediately for any unauthorized access or illegal use or security breaches.

Whenever you log-in your dashboard, you will receive an email notification containing the OTP (One-Time PASSWORD).  DO NOT SHARE your OTP with anyone. PHILTECH STAFF will never ask your OTP. 

 

“GRANT OF FRANCHISE” Means PHILTECH, INC. granted the license and rights to the Franchisee to operate the “Busineses or The Services” under the name of PHILTECH BUSINESS GROUP, and authorize to use the Company Name, Trade Name, Logo, Branding and Services for business purposes only.

 

LEGAL RESPONSIBILITIES
PHILTECH, INC.  allows the Franchisee to use our trade name PHILTECH BUSINESS GROUP or “PHILTECH”, our official logo and services for business purposes only. There are no provisions in this contract and agreement that Franchisee owns the systems and they are not stock-holder nor share holder of the company.

By using all the services included such as but not limited to; XpressTRAVELS, XpressLoad, XtressTV, ATM WITHDRAWAL Services and other platforms included, you hereby aware the legal responsibilities  and acknowledged that the systems are regulated by service providers, Thus, only legal transactions are allowed, any fraudulent activity will result in the immediate deactivation of your business account without prior notice.

 

KYC Requirements:
To fully unlock your PHILTECH Business Dashboard,  submit the following:
1. One (1) valid primary Government ID.
2. Selfie Picture with your Valid ID.

For ATM Withdrawal Business Requirements (Both ATM GO & ENCASH)

  1. Business Permit (Mayor or Barangay)
  2. DTI registration for sole proprietors, or SEC registration for corporations/partnerships
  3. Picture of your store/shop
  4.  Any Bank Account for Settlement (Must be clear copy)
  5. Sign MOA and Terms & Conditions

ATM GO DEVICE Franchisee will apply online. The application form can be found inside the Franchisee dashboard and submit all the requirements.  This ATM GO Device is FREE  &  an additional value-added services to PHILTECH Business Package. The approval or disapproval may vary depending in the location and requirements submitted. If the Management approved or disapproved, PHILTECH will notify the franchisee via email.

Franchisee (Distributor or Merchant) is aware and hereby acknowledged that RCBC ATM GO Device is a FREE TO USE ONLY (Borrow only) to provide additional value-added-services to PHILTECH Business Package. Thus, ownership of the device is belong to RCBC and not the franchisee.

Franchisee may be granted or approved  the USE OF ATM GO but subject to the Terms and Conditions set by both PHILTECH and RCBC.  PHILTECH may change the policy including the CF shares if the providers change also their policy and convenience fee, or commercial rates.

ENCASH DEVICE is included in the ENCASH MERCHANT PACKAGE. However the Device offers 6Months warranty only. (For more information, contact our Sales Officer)

 

NON-REFUNDABLE PAYMENT POLICY
Franchisee is aware and acknowledged that payments to PHILTECH BUSINESS FRANCHISE Package is NON-REFUNDABLE. This policy is non negotiable, if you do not agree this policy, please do not continue.

 

REPRESENTATION & MARKETING  Franchisee is allowed to use our company name “PHILTECH or PHILTECH BUSINESS GROUP” to post and market in any social media platforms to promote the business. However, any misrepresentation, false advertising, or act of scamming , or any actions that may damage the reputation of PHILTECH or its providers will result in the automatic deactivation of your business account. All concerns should be addressed to higher management for immediate resolution.

 

TERM & PERIOD OF CONTRACT The Business agreement is valid for one (1) year from the date of activation, and maybe renewed thereafter upon request of any parties. Although the concept of the business is a long-term model, it is understood that some of the services included such as ATM Device need to submit yearly latest business permits and also renew the agreements thereof.

 

BUSINESS TERRITORY
The Franchisee is fully aware that there is no-territorial exclusivity in PHILTECH BUSINESS since anybody can apply online and directly to our website. However, we provide exclusive support to our ELITE PLUS DISTRIBUTORS to endorse the application of merchants who applied directly in our office but address is located in the Municipality under the ELITE PLUS DISTRIBUTOR. This support is exclusively for ELITE Plus but limited to Merchants Package only.

Please be informed also that ATM WITHDRAWALS BUSINESS will follow the standard distance policy of at least 500 to 1,000 meters away from each merchants.

 

DISTRIBUTOR & MERCHANT BENEFITS & DORMANCY
Distributor & Merchant account earns so many and various  benefits including commissions and unique PASSIVE INCOME. However, you must sell or refer at least (1) one NEGOSYO PACKAGE within 12 months from activation for your account to consider active, failure to do so will place your dashboard in DORMANT STATUS, requiring additional steps to reactivate.

 

PRODUCT OPERATIONAL TRAINING
PHILTECH, INC. provides FREE product, operational and technical trainings for registered franchisee or their authorized representatives. These trainings cover the dashboard navigation, product knowledge, device operational standards, fraud detection and marketing.

 

MARKETING SUPPORT
PHILTECH, INC. offers FREE marketing materials such as tarpaulins, signage, and digital content to support franchise partners. However, posting unapproved marketing content on social media is prohibited.

 

CONFIDENTIALITY
Franchise partners (Distributors/Merchants) must maintain strict confidentiality of all business-related information and trade secrets. Disclosing such information to third parties is punishable by law.

 

BUSINESS AGREEMENT
The above policies and agreements form the complete and binding contract between PHILTECH, INC. (First Party) and the Franchisee (Second Party), who voluntarily availed PHILTECH NEGOSYO PACKAGE.

This Digital Contract is considered done upon payment of the NEGOSYO PACKAGE.

Your Business Potential with Our Proven Strategies

At PHILTECH Business Group, we believe in unlocking the full potential of your business through innovative and proven strategies. Our comprehensive suite of services—ranging from digital solutions to ATM withdrawals, Wi-Fi zones, travel bookings, and entertainment offerings—are designed to meet the demands of today’s competitive market. By partnering with us, you gain access to time-tested strategies that drive growth, increase customer satisfaction, and improve profitability.

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