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User Terms & Conditions

Important - Please read these Terms and Conditions before using the Service and Application (as defined below). By continuing to use the Service, you agree to these Terms and Conditions and you agree that these Terms and Conditions shall be legally binding upon you until the Service is terminated and as long as you are using the  Application.


The pronouns “we” and “us” and its variations shall refer to Paywatch Philippines Finance Corporation while the pronouns “you” and its variations shall refer to you, as the subject of these Terms and Conditions.


The Service is made available by Paywatch Philippines Finance Corporation (“Paywatch”) in accordance with the laws of the Republic of the Philippines and subject to the terms and conditions stated herein (“Terms and Conditions”) and in the separate agreements between Paywatch and your employer to make this Service available to you. By availing of the Service, you acknowledge, confirm and undertake that you have read and fully understood all terms and conditions of these Terms and Conditions, and any future amendments, revision, additions or variations that Paywatch may introduce from time to time, and that you fully agree to the Terms and Conditions and you agree that the Terms and Conditions shall be legally binding upon you until the Service is terminated.


Similarly, by using the Paywatch mobile application (“Application”) provided to you by Paywatch, and downloading, installing or using any associated software supplied by Paywatch (“Software”), you hereby acknowledge, agree and undertake to be bound by these Terms and Conditions and any future amendments, revision, additions or variations that Paywatch may introduce from time to time and you agree to be bound by these Terms and Conditions as long as you are using the Application.


If you do not agree to the Terms and Conditions, please discontinue the usage of the Service and Application immediately.

Registration Information and Account
  1. In order to access information, products, services, and features offered through the Service, you are required to register for and create an account (“Account”) through Paywatch’s Platform (“Platform”). Upon activation of your account, you will be able to login in to see your registration information and have access to a ledger of payment transactions.

  2. You will also be required to create a 6-digit PIN and provide the necessary registration information. You bear the sole responsibility to maintain the confidentiality of your 6-digit PIN and for all usage or activity on your account, including the use of your account by any person using your 6-digit PIN.

  3. In order to register for and activate an Account, you must provide us with all information that we may reasonably request in order to verify your identity. In providing us with this information, you agree to:

    • provide true, accurate, current and complete information about yourself as prompted by the Service’s enrollment process or other areas of the Service,

    • continuously maintain and promptly update such information to keep it true, accurate, current and complete.

  4. You further agree that we, or a third party authorized by us, may access the information you provide us in order to verify your identity and/or carry out further due diligence on you at any time, including, but not limited to, Know Your Client checks, criminal background checks, and credit rating checks.

  5. Paywatch is under no obligation, whether express or implied, to verify the accuracy and authenticity of any information provided by you. We will not be liable or responsible in the event it is discovered that your information has been falsified, entered wrongly, is incomplete or out-of-date. We have the right to suspend or terminate your Account and refuse any and all current or future use of the Platform and/or Service (or any portion thereof) without notice to you if you provide us with any information that is untrue, inaccurate, not current or incomplete or if we have reasonable grounds to believe that you have provided any information that is untrue, inaccurate, not updated or incomplete. Our right to suspend your Account shall be in addition to our other remedies under applicable laws and the contracts for your availment of the Services. Similarly, our failure to exercise our right to suspend your Account shall, in no case, be construed as a waiver of any remedies available to us under applicable laws and contract.

  6. If you believe or suspect that (a) your login ID or 6 digit PIN have been lost or stolen; (b) a device that you use to access the Platform has been lost or stolen; or (c) someone else has accessed your Account, you are responsible to retrieve and secure your Account through the Platform and inform us immediately, through the Platform or by sending an email to


Connection to Social Media
  1.  If you choose to register an Account through your social media accounts, you acknowledge and agree to abide by the relevant terms and conditions of each respective social media website you utilize to register your Account. The terms and conditions for the social media websites may be found on each respective social media website.

  2. You agree to grant us access to certain information from your social media account as we deem necessary to verify your identity and register your Account. You may control the amount of information that is accessible to us by adjusting your privacy settings on your social media account. 

  3. Paywatch is not affiliated with any social media platform. The social media platform you use will only provide Paywatch the information necessary to allow you to register an Account, and Paywatch has no control over the processing of your personal information through the social media platorm. By registering an Account through your social media account, you hereby release Paywatch from any claim, damage, or liability caused by or in connection with your use of the social media platform.

Use of Paywatch
  1. If you register for and activate a Paywatch Account, you will be able to utilize the Application to track your working hours automatically or through the check in / check out function, to view your accumulated earnings, and to make an earned wages withdrawal request.  Any working hours or work tracking system (check in / check out functions, earnings functions and others) are services provided by Paywatch as a convenience and are mere estimates by Paywatch. It does not reflect your actual earnings or serve as a calculation of your payroll from any of your employment.  Any disputes about work hours or amount of work performed or earnings provided should be referred to your employer directly. By accessing this function, you hereby release Paywatch from any claim, damage, or liability caused by or in connection with any discrepancy in your working hours.

Employment binding
  1. As part of the employment binding process, your employer may be required to disclose certain information to us. By accepting these Terms and Conditions, you hereby provide consent to and authorize your employer, or any of its affiliates, to share information relevant for the registration and account creation process, and for Paywatch to be able to calculate your earned wages, such as copy of your ID/proof of identity, payroll data, salary information, duration of employment, attendance records, contact information, among others.

  2. If applicable, you will also be asked to provide us with additional information related to your current employment.

  3. Your usage of the Service is subject to the approval of your employer.

Check in process


  1. Your employer may require you to use the check in/check out functionality on the Application. You may be required to check in – at the start of a session and check out – at the end of the day to clock out, in order to track your earnings on the Application. When you access or use our Services, we automatically collect information about you, including:

    • Device Information: We collect information about the mobile device you use to access our Services, including the hardware model, operating system and version, unique device identifiers and mobile network information.

    • Location Information: We collect information about the location of your device each time you access or use our mobile applications or other location aware software connected to our services or otherwise consent to the collection of this information.​

  2. If your employer  does not require check in and check out function, your earnings will be accumulated automatically and displayed in the app on the following day.

EWA Service


  1. The EWA Service (“Service”) is provided to you by Paywatch.

  2. For the purposes of these Terms and Conditions, the term “Earned Wages” shall refer to the wages or salary which have already been earned by you for your services already rendered but which is only payable on payday. This Service allows you to withdraw your Earned Wages before payday (“Earned Wages Withdrawal”).  

  3. Each time you make a request for Earned Wages Withdrawal through the EWA Service (“Earned Wages Withdrawal Request”), we will charge you a transaction fee or subscription fee, which fees may be waived by Paywatch at its sole discretion. Our transaction fee or subscription fee may vary over time and will be deducted from your Earned Wages upfront during the Earned Wages Withdrawal Request.

  4. You understand that the amount of Earned Wages Withdrawal made, and the transaction fee(s) applicable to the said Earned Wages Withdrawal pursuant to this Terms and Conditions, in a given period (“Settlement Amount”) shall be settled by your employer to Paywatch or such third-party entity funding the Earned Wages Withdrawal, and that you may be required by your employer to settle said amount to it, such as through salary deduction.

  5. Paywatch reserves the right to accept or reject your Earned Wages Withdrawal Request at its sole discretion. Paywatch will not accept an Earned Wages Withdrawal Request if:

    • you make it within any blackout or suspended periods imposed at the sole discretion of Paywatchbefore the relevant payday for the applicable Earned Wages;

    • the amount you have requested for is more than the limits imposed at Paywatch’s sole discretion, including any monthly, daily, per withdrawal maximual withdrawal amount and any percentage limits to the proportion of Earned Wages you can access on the Application; or

    • your employer has reached the maximum cap for withdrawal amount for the calendar month. The maximum cap for employer’s withdrawals  shall be determined from time to time by Paywatch at its sole discretion without prior notice to you.

      You agree not to hold Paywatch liable for any damages, injury, or costs in case your Earned Wages Withdrawal Request is rejected for any of the above reasons.

  6. By default, your Earned Wages Withdrawal will be deposited to your payroll account with your employer. In special instances subject to the approval of Paywatch, you may designate an current or savings account or e-wallet maintained by you, under your name, with a financial institution in the Philippines in the name of the user. The details of the designated account other than your payroll account shall be notified to the Company through a request for designating another account.



Repayment & Other Services


  1. If you have submitted an Earned Wages Withdrawal Request and received the Earned Wages Withdrawal, you understand and accept that the Employer may deduct from your wages or salary the Earned Wages Withdrawal plus fees due to Paywatch and other deductions for Other Services and fees for such Other Services (“Other Deductions”) you have agreed to enroll in on the Application.

  2. Paywatch and/or its partners and/or third party service providers may offer other services and products to you on the Application (“Other Services”), which you may enroll at your discretion.  Subject to the terms and conditions of the Other Services, the payment for the Other Services may be deducted from your salary in accordance with clause 7.1 and agree and consent to such deductions.  

  3. We have a legal obligation to verify your identity and may ask you to provide information and/or documents to confirm that you made an Earned Wages Withdrawal Request. You agree to provide accurate and complete information to Paywatch and inform Paywatch immediately of any changes in any particulars of your Personal Information/Data. You also give us permission to make reasonable inquiries with your employer and third-parties, for the same reasons. These inquiries may include (a) asking for your taxpayer identification number; and/or (b) verifying the information you give us using third-party databases and other sources. You also consent to your employer providing this information as reasonably requested by us for the purpose of these inquiries. If you are unable to provide the supporting information and/or documents for the purpose of verification of your identity, we may suspend or terminate your use of the Platform. You hereby acknowledge that your name, e-mail address and mobile number and such other personal information may be made available by Paywatch to another third party for verification or other lawful purposes.

  4. You shall only be entitled to register for one (1) Account, and are required to register your Account on your personal device. For avoidance of doubt, each mobile number and email address can only be used for one (1) Account.

  5. You shall not register the Account with false information. If Paywatch discovers that you are impersonating another individual or another legal entity, Paywatch may immediately terminate the Account and report such fraudulent activity to the relevant authorities.

  6. You shall, at all times be solely responsible to keep confidential and safeguard your Account details. You shall not disclose your login credentials and/or security credentials to any person. If you input the wrong credentials, it may result in suspension of access to your Application, or an immediate deletion of your Account. To reactivate your access to the Application, you can reactivate via the “Forgot Your Pin” button. You shall be solely responsible and liable for any use and misuse of your Account and all activities that occur under your Account.

  7. The Account is not transferable nor assignable to any third party and shall be exclusively used by you. The Account cannot be pledged or used in any manner by you as any form of security instrument for any purpose whatsoever.

  8. By registering for the Account, you authorize Paywatch to rely and act upon all communications and instructions given by you. The transactions carried out are not always simultaneous with any instructions given at any time. Although the Account and/or Service is accessible outside any Working Days, certain instructions may only be processed on a Working Day.

  9. You may view your transaction history up to the previous ninety (90) days by logging into the Application. You are advised to regularly log in to the Application to review your transaction history and to make sure that there have not been any unauthorized transactions. Upon receipt of your written request, Paywatch may at its absolute discretion provide you with physical statements of accounts, records and details of your transactions, dated not more than three (3) months from the request date.

  10. Notwithstanding clauses contained in these Terms and Conditions, Paywatch may reject any of your instructions relating to the use of the Service or any transaction and terminate your Account immediately, if:-

    • The Service is in breach of any of the terms and conditions herein mentioned; or

    • Paywatch suspects the instructions may be fraudulently issued or determines that the use of the Service poses a direct or indirect risk to the Application.

  11. If your mobile device does not support the relevant technology, you may not be able to use the Service (or any part thereof) or access the Paywatch’s website or any part thereof.

  12. You shall not be entitled to receive any interest or other profits in anyway whatsoever in relation to the Service.


Fees and charges


  1. In order to access our Services, there will be a subscription or transaction fee involved. Such fees, together with the amount of Earned Wage Withdrawal, shall be settled by your employer to Paywatch or such third-party entity funding the Earned Wages Withdrawal, and that you may be required by your employer to settle said amount to it, such as through salary deduction.


User Eligibility


  1. The Service is available to all eligible users who are employees employed by participating employers under Paywatch’s panel on the Platform.

  2. Paywatch has the right to suspend or terminate your Account or reject your Earned Wages Withdrawal Request if your employer is in breach of the terms and conditions of its participation in the Service such as if your employer fails to pay Paywatch the Earned Wages Withdrawals of its employees and the fees and charges for its participation in the Service within such period agreed upon.


Your Responsibility


  1. When using the Service, you: -

    • accept that you will not be able to make your first withdrawal, until your registration details have been approved by your employer;

    • allow your employer to make every applicable deduction from your wages or salary;

    • give your employer permission to share your employment and other personal data with us, if and to the extent that it is necessary or desirable to do so to enable (1) us to provide the Service to you; and/or (2) us and/or your employer to perform our respective obligations under these Terms or the Contract. This data includes (i) your name; (ii) your employee or staff identification number; (iii) your contact information; (iv) your current and updated gross and net pay entitlements; (v) your bank account information; (vi) the start and end dates of employment; (vii) your hours worked; and (viii) any fact or matter that will or might bring your employment to an end, such as the giving of notice to terminate your employment contract; and

    • give us your permission to use, process, and store the information you and your employer give to us, for the purpose of providing the Platform and related services, including providing your employer with real-time information and analytics about your usage of the Service.

  2. You shall: -

    • ensure that you shall download or have downloaded the Application from either the Google Play Store, the Apple App Store, or Huawei AppGallery. You shall not download the Application from any other sources. You shall be fully responsible for any losses or damages you may suffer in anyway whatsoever should you breach the terms of this clause;

    • ensure that you do not use the Application on any illegally modified devices such as jailbroken devices, rooted devices or any devices that have been altered in any way whatsoever. In the event you utilize such a device, Paywatch shall not be liable in anyway whatsoever for any and all losses or damages which you may suffer including but not limited to any financial and/or information loss;

    • ensure the compatibility of your mobile device with Paywatch’s Mobile Payment Application (once available). In the event that any changes or upgrades are introduced to the mobile payment system, you shall ensure the continued compatibility of your mobile device and be responsible for all equipment and other mobile applications necessary to use the Service. You shall be fully responsible for the integrity of all information and data transmitted, disclosed and/or obtained through the use of the Service or broadcasted by you or any other persons using your mobile device;

    • inform your employer immediately if there are any changes to your registration information, your employment details, details of your earned wages or your bank account information. If you do not do this, this may delay the processing of or result in a rejection of your Earned Wages Withdrawal Requests, pay day payments, Net Salary payments and any other outstanding payments. We are not responsible for any errors, transaction fees or other issues that might arise, or for any losses you might suffer if any of your information changes and you fail to notify your employer immediately;

    • take all reasonable steps to prevent fraudulent, improper or illegal use of your Account and/or the Service and theft or loss of your mobile device and immediately notify upon the discovery of such fraud, improper or illegal use, theft, loss, or any other occurrence of unlawful acts. You shall, if instructed by Paywatch, lodge a police report on the same and give Paywatch a certified true copy of such report.

  3. You shall not: -

    • use the Service for any purpose against public interest, public order or national harmony or for any unlawful purposes including but not limited to vice, gambling or other criminal purposes whatsoever or transmit any content which is offensive on moral, religious, communal or political grounds, or is abusive, defamatory or of an indecent, obscene or menacing character or in any other manner which may result in complaints, claims, disputes, penalties or liabilities to Paywatch; and

    • hack into, access, tamper, breach or circumvent any authentication or security of any host, network or account of Paywatch or its provider’s computer systems or interfere with service to any user, host or network, including, without limitation, sending a virus.

  4. You acknowledge that the Service is, and shall remain, at all times, the property of Paywatch and you shall: -

    • exercise all due care and diligence in the usage and maintenance of the Account and Service; and

    • not tamper or allow anyone to tamper with the mobile device, your Account and/or the Service.




  1. Clause 3 herein shall be read together with the Paywatch Group Privacy Policy which can be found on Paywatch’s website at In the event of any inconsistencies, any interpretation or construction of this Clause and the Paywatch Group Privacy Policy shall be read together to make the best commercial sense.

  2. You agree that by registering for the Account, you consent for your Personal Information/Data to be used and/or disclosed in accordance with the Data Privacy Act of 2012 (“Data Privacy Act”).

  3. For the purposes of this Agreement, “Personal Data” means information about you, from which you are identifiable, including but not limited to your name, identification card number, birth certificate number, passport number, nationality, address, telephone number, credit or debit card details, race, gender, date of birth, email address, any information about you which you have provided to us in registration forms, application forms or any other similar forms and/or any information about you that has been or may be collected, stored, used and processed by us.

  4. The Personal Information/Data provided by you may be held in a database and Paywatch may use, store, analyze, and transfer and / or exchange such information with all such persons as may be considered necessary. Paywatch may use, disclose to third parties and process your Personal Information/Data provided by you to Paywatch for the following purposes: -

    • processing your application and providing you with the services / products of Paywatch, as well as services and products by other external providers provided through Paywatch;

    • enabling communication;

    • managing your relationship and Account with Paywatch;

    • attending to all administrative purposes and any other ancillary matters related to the provision of services related to Paywatch; and

    • sending you marketing, advertising and promotional information about other products/services that Paywatch and its affiliates, related corporations and third party services providers/agents may be offering or which Paywatch believes may be of interest or benefit to you. Additionally, our related, affiliated, and/or associated companies, our merchants, and strategic partners may contact you about products, services and offers, which we believe may be of interest or benefit to you. You have the right to opt out from receiving marketing messages. If you wish to opt out from receiving marketing messages, please inform us at

  5. Paywatch may monitor and record all transactions and communications that may take place between Paywatch and you for Paywatch’s business purposes (including but not limited to quality control and training, preventing unauthorised use of Paywatch’s telecommunication systems, ensuring effective systems operation and prevention and detection of crime).

  6. In addition to the classes of users as stated herein, Paywatch may additionally disclose your Personal Information to the following classes:

    • affiliated companies with Paywatch;

    • Persons/Organizations required under law or where disclosure is necessary for the purposes of compliance with applicable laws or in response to relevant authorities requests;

    • Government agencies, statutory authorities, enforcement agencies under law; and

    • Paywatch’s contractors, service/product providers, consultants, auditors, accountants, solicitors, and advisors.

  7. The Personal Information/Data requested by Paywatch are mandatory which you must provide and agree to the processing of such Personal Information/Data. Should you decide not to provide any or all of the Personal Information/Data, Paywatch will not be able to proceed with the provision of the Services.

  8. Subject to the provisions of the Data Privacy Act, you shall have the right to access your Personal Information/Data by requesting for a copy of your Personal Information/Data and request to rectify or update your Personal Information/Data. You have the right to opt out from giving your consent for your Personal Information/Data to be used and/or disclosed by Paywatch in the manner stated under this Clause 7 and under the Data Privacy Act. If you wish to opt out, please inform us at



Termination & Suspension 


  1. You can de-activate or terminate your Paywatch Account at any time by writing in to However, the de-activation will not affect any surviving obligations  and accrued liabilities to Paywatch or your employer in connection with your use of the Service and the Application. 

  2. Paywatch shall also be entitled to immediately suspend or terminate your use of the Service (or any part thereof, including any benefits under the Service) and your access to the Account, with or without any notice to you, upon the happening of any of the following events:-

    • Paywatch being notified by your employer, or otherwise having reason to believe, that you have been dismissed from service by, or have otherwise resigned from, your employer;

    • if in the opinion of Paywatch, there is dishonesty, suspected fraud, illegality, criminality or misrepresentation in the conduct of your Account or your use of the Services;

    • if you are in breach or Paywatch has reasonable grounds to believe that you have breached any of the provisions of these Terms and Conditions, the terms and conditions of the Paywatch Card and/or any applicable terms and conditions of any new services as may be provided by Paywatch from time to time, or have engaged in any conduct prejudicial to Paywatch or if in the opinion of Paywatch, your acts are prejudicial to Paywatch’s interests; 

    • if you are in breach of any acts, statutes, laws, by-laws, rules and / or regulations imposed by any party, regulatory body or government agency; 

    • if you have submitted false documents or have declared false information during your application for the Service;

    • if you have acted in bad faith or with malicious intent;

    • if your name is listed under any regulatory watchlist (including but not limited to any listing related to terrorism and terrorism financing under the Anti-Money Laundering Act of 2001 and The Terrorism Financing Prevention and Suppression Act of 2012; and/or

    • if you fail to provide any additional information which Paywatch may request from you from time to time. 




  1. In the event the Account and/or Service has been suspended and you request for reactivation of the same, Paywatch may, at its absolute discretion, reactivate the Account.


Adjustment Due to Error

  1. If you discover any error or discrepancy in your Account, you must contact within thirty (30) days from the date of the disputed transaction, failing which, you shall be deemed to have accepted the accuracy of your transaction. If it is revealed in the course of Paywatch’s investigation that the disputed transaction was indeed made in error, Paywatch will do the necessary adjustment within thirty (30 days) from your complaint.




  1. This Service is provided on an “as is” and “as available” basis. Paywatch disclaims all liability and makes no express or implied representation or warranties of any kind in relation to the Service including but not limited to the: -

    • availability, accessibility, timeliness and uninterrupted use of the Service; and

    • sequence, accuracy, completeness, timeliness or the security of any data, information provided to you as part of the Service.

  2. Paywatch will use reasonable endeavours to ensure that the Service is secured and cannot be accessed by unauthorised third parties.

  3. You shall be solely responsible for any and all consequences of use or misuse of your Account, login credentials, and/or security credentials. You shall be responsible for all losses and payments (including the amount of any transaction carried out without your authority) due to your negligence or where you have acted fraudulently. For the purposes of this clause negligence shall be deemed to include failure to observe any of your security duties referred to in these Terms and Conditions.

  4. However, you will not be liable for any losses caused by system glitches, technical error or other operational issues encountered at Paywatch, merchants or other relevant parties involved in the provision of this Service.

  5. Paywatch shall not be liable or responsible to you and / or to any other third party(s) for any costs, loss, or damages (whether direct or indirect), or for loss of revenue, loss of profits or any consequential loss whatsoever as a result of your usage of the Service including but not limited to:-

    • your Account being hacked and/or theft of your login credentials and/or security credentials; and

    • any resulting disputes between you and any of Paywatch’s merchants or service providers over any aspect thereof, including, but not limited to, issues relating to quality, merchantability, fitness for use, quantity, or delivery; and

    • resulting from the purchase or investment in any financial products or other products, which shall include the principal sum of such purchase or investment of financial products.



  1. By agreeing to the Terms and Conditions upon using the Service, you agree that you shall defend, indemnify and hold Paywatch, its licensors and each such party’s parent organizations, subsidiaries, affiliates, officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs and/or regulatory action) arising out of or in connection with:

    • your use of the Service, Software and/or Application in your dealings with the third-party merchants, transportation providers, third party providers, partners, advertisers and/or sponsors;

    • your violation or breach of any of the Terms and Conditions or any applicable law or regulation, whether or not referenced herein;

    • your violation of any rights of any third party;

    • your misuse of the Service, Software and/or Application.

Governing Law


  1. These Terms and Conditions are governed by and construed in accordance with the laws of Philippines, and you hereby submit to the exclusive jurisdiction of the Philippine courts.


Amendment and Modification of Terms and Conditions


  1. Paywatch may modify these Terms and Conditions from time to time. If we do, we will (a) notify you and your employer; and (b) make the new Terms and Conditions available to you at least 21 days before the changes take effect. You will be bound by the new terms, if you use the Service after the changes take effect. If you do not want to be bound by the new terms, you must advise your employer and inform us of your intentions to close your Account before the 21 days period expires. You are advised to visit the Paywatch’s website from time to time to keep updated of the latest variation to these Terms and Conditions (if any).

  2. The fees and charges imposed by Paywatch pursuant to the Terms and Conditions may change from time to time. Paywatch shall notify you of any changes to the fees and charges imposed by Paywatch giving no less than twenty-one (21) days’ prior to the effective date of the said changes to the fees and charges.



Intellectual Property Rights

  1. All trademarks and other intellectual property rights used in relation to the Services belong to Paywatch.

  2. You acknowledge and agree that all trademarks and other intellectual property rights relating to the Services or any part thereof, whether presented to you by Paywatch, advertisers or any third party are protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws and all Paywatch’s rights therein are expressly reserved.




  1. This Agreement as constituted by the Terms and Conditions as modified from time to time may not be assigned by you without the prior written approval of Paywatch but may be assigned without your consent by Paywatch. Any purported assignment by you in violation of this section shall be void.


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