Terms and Conditions

Last Updated: July 23, 2026

These Terms and Conditions (the “Terms”) govern purchases from and use of PinoyLoads.com, My PinoyLoads, and related services. The service is operated by Evgeny Zhuravkin, doing business as PinoyLoads.com, an Individual Entrepreneur registered under the laws of Georgia (country), Identification Number 322737384 (“PinoyLoads,” “we,” “us,” or “our”).

By placing an order or using the service, you agree to these Terms. Please read them before submitting an order. If you do not agree, do not place an order or use My PinoyLoads. Nothing in these Terms excludes or limits a right or remedy that cannot lawfully be excluded or limited.

1. Who May Use the Service

You must be at least 18 years old and legally capable of entering into a contract, or use the service with the involvement and permission of a parent or legal guardian. You must provide accurate information and use a payment method that you are authorised to use.

You may purchase a top-up for yourself or for another person. If you provide another person’s mobile number or service account number, you confirm that you are entitled to use that information for the requested top-up and that your order is lawful.

2. The PinoyLoads Service

PinoyLoads enables customers to purchase prepaid mobile load, telecommunications promos, and other digital products for supported Philippine networks and services. Products, denominations, network coverage, prices, and availability may change. The exact product, destination, price, currency, and material conditions displayed during checkout form part of your order.

Delivery depends on the recipient number or account, the selected network, telecommunications systems, payment confirmation, security checks, and the availability of the relevant provider. A product shown on the website may become temporarily unavailable before processing is completed. If we cannot supply an accepted order, we will take reasonable steps to retry, offer an appropriate solution, or issue a refund.

References to Smart, Globe, DITO, PayPal, or another third party identify the relevant network, payment provider, or service provider. Their names and trademarks belong to their respective owners. Unless expressly stated, these Terms do not create an agency, partnership, or endorsement relationship.

3. Ordering and Contract Formation

3.1 Review the order

Before paying, you must review the recipient number or account identifier, network, product, denomination, email address, total price, and currency. The number entered by you is the delivery destination. PinoyLoads cannot determine with certainty whether that number belongs to the person you intend to top up.

3.2 Obligation to pay

The checkout action is clearly associated with an obligation to pay. By confirming payment, you submit a binding offer to purchase the displayed product and authorise the applicable charge.

3.3 Acknowledgement and acceptance

An automated order acknowledgement confirms that we received your request; it does not necessarily mean that the order has been accepted or delivered. We may carry out payment, availability, technical, and fraud checks. The contract for an order is formed when we accept it for processing after payment and required checks, or when the product is delivered, whichever occurs first.

We may decline an order before acceptance if payment is not authorised, required information is missing, the product is unavailable, the order cannot be processed safely, the order violates these Terms, or we reasonably suspect fraud, abuse, or an error in price or product information. If money has been captured for an order that we decline, we will void or refund the payment, subject to payment-provider processing times.

3.4 Electronic records

Order confirmations, delivery notices, refund notices, and these Terms may be provided electronically, including by email and through My PinoyLoads. You should retain relevant confirmations for your records.

4. Prices and Payment

The total amount and currency payable are displayed before you submit the order. Unless stated otherwise, the displayed total includes the PinoyLoads charge for the selected product. Your bank, card issuer, PayPal, or another payment intermediary may apply currency-conversion charges, cross-border fees, or other charges under its own terms; those third-party charges are not controlled by PinoyLoads.

Payments are processed by PayPal and the payment methods it makes available. PayPal may conduct its own verification and may accept or decline a transaction under its terms. We do not directly collect or store a full payment-card number or card security code.

If an obvious pricing or product-description error is discovered before delivery, we may cancel the affected order and refund the amount paid, or contact you and ask whether you wish to proceed on the corrected terms. We will not increase the price of an already accepted order without your agreement.

5. Delivery

Top-ups and digital products are normally submitted for delivery promptly after payment and security approval. Any delivery time shown on the website or in a message is an estimate unless we expressly guarantee a particular time.

An order may pass through several statuses while it is processed. An order is treated as delivered when the relevant provider, network, gateway, or our processing system confirms that the top-up or digital product was successfully applied or supplied. A delay in the recipient’s handset displaying a balance, message, or promo does not necessarily mean that delivery failed.

If an order remains pending or appears not to have arrived, contact us with the order reference. We may ask you to check the recipient number, balance, provider messages, device, or network account and may investigate with the provider. Please do not immediately place an identical second order unless you are willing to receive and pay for both orders.

6. Your Responsibilities

You are responsible for:

• providing a complete and accurate recipient number or service account identifier;
• selecting the correct telecommunications network, product, promo, and denomination;
• checking that the recipient account is active, eligible, and able to receive the selected product;
• providing an email address you can access and checking order communications;
• keeping My PinoyLoads access links, email access, and session information secure;
• responding within a reasonable time if information is requested to verify or resolve an order; and
• using the service lawfully and not attempting to evade limits, security checks, or provider rules.

Telecommunications networks may impose their own eligibility conditions, expiry periods, fair-use policies, registration requirements, account limits, and promo rules. You should confirm that the recipient can use the selected product before ordering.

7. Cancellations, Withdrawal, and Refunds

7.1 Immediate performance and withdrawal

Because the service is designed for rapid delivery, you request immediate performance when you place an order using the corresponding checkout acknowledgement. Where applicable law provides a withdrawal period for a distance contract, that right may be lost after the service has been fully performed or digital content has been supplied if you expressly consented to immediate performance and acknowledged the resulting loss of the right, as required by law.

If a withdrawal right still applies and has not been lost, you may exercise it by sending a clear statement to support@pinoyloads.com. Mandatory consumer rights always prevail over any inconsistent part of these Terms.

7.2 Before processing

If you contact us before an order has been transmitted or otherwise committed for delivery, we will try to stop it. Cancellation cannot be guaranteed because processing may begin immediately and may become irreversible within seconds.

7.3 Incorrect destination or product selected by the customer

Once a top-up has been successfully delivered to the number or account you entered, it generally cannot be reversed, transferred, or recovered. If the destination is a valid but unintended number, or if you selected the wrong network, product, promo, or denomination, a refund will normally not be available after successful delivery because the value has already been supplied as instructed. This does not limit a remedy required by law or a remedy for an error caused by PinoyLoads.

7.4 Failed, unavailable, duplicate, or incorrect delivery

If we cannot deliver the purchased product, if PinoyLoads causes an unauthorised duplicate delivery, or if a different product is delivered because of our error, we will investigate and provide an appropriate remedy. Depending on the circumstances, this may be a retry, correction, replacement, partial refund, or full refund. We may wait for final confirmation from the payment or telecommunications provider where the transaction status is uncertain.

7.5 Refund method and timing

Approved refunds are normally sent to the original payment method. The time for a refund to appear depends on PayPal, the card issuer, and other financial intermediaries. We may request information reasonably necessary to locate the transaction, verify the requester, prevent fraud, or comply with law.

7.6 Model withdrawal notice

If a statutory right of withdrawal applies and has not been lost, you may copy and email the following notice to support@pinoyloads.com:

8. Fraud Prevention and Verification

We use internal controls and third-party fraud-prevention services, including MaxMind, to protect customers, payment systems, telecommunications providers, and PinoyLoads. Checks may consider transaction consistency, payment signals, IP-based location, order frequency, device or browser signals, prior fraud indicators, and similar security information.

We may delay, limit, review, decline, cancel, void, or refund an order where reasonably necessary to investigate suspected fraud, unauthorised payment, abuse, technical anomalies, sanctions risk, or a violation of these Terms. We may ask for limited additional information. We will not ask you to send a full payment-card number, card security code, or account password by ordinary email.

If you believe an automated or substantially automated security decision was incorrect, contact support and ask for human review. We may withhold details that would enable fraud, compromise security, or expose another person’s data, to the extent permitted by law.

9. My PinoyLoads

My PinoyLoads is an email-based secure-access feature that may display recent orders, recent recipient numbers, delivery information, and optional recipient labels associated with a sender’s email address. It is provided for convenience and is not a bank statement, telecommunications account record, or guarantee that a previous product remains available.

You must not forward, publish, or share a My PinoyLoads access link or permit unauthorised access to your email account. Notify us promptly if you believe an access link or session has been compromised. We may expire or revoke links and sessions for security reasons.

Recipient labels are visible within the associated My PinoyLoads profile. Do not place passwords, payment details, government identification numbers, health information, or other unnecessary sensitive information in a label.

10. Customer Support and Order Issues

For an order question, contact support@pinoyloads.com and include the order reference and a concise description of the issue. Do not include full card details, passwords, or unrelated personal information.

Order statuses and operational comments shown in My PinoyLoads are intended to explain current processing information. They may be updated when new information is received from a provider. Support may need a reasonable period to confirm an uncertain network, payment, refund, or delivery result.

Nothing in these Terms prevents you from exercising a lawful payment-dispute or consumer right. However, contacting us first may allow a delivery or refund issue to be resolved more quickly and helps prevent duplicate refunds or unnecessary payment disputes.

11. Third-Party Services

The service relies on PayPal, Smart Communications, Globe Telecom, DITO Telecommunity, hosting providers, fraud-prevention services, and other technical or service providers. Their outages, maintenance, rules, processing times, and eligibility decisions may affect an order.

We are not responsible for a third party’s separate website, account, device, network coverage, or service outside the PinoyLoads transaction. This clause does not remove any responsibility that applicable law places on PinoyLoads for supplying the product you purchased.

12. Acceptable Use

You must not:

• use stolen, unauthorised, or fraudulently obtained payment information;
• misrepresent your identity or authority to place an order;
• use the service for fraud, money laundering, sanctions evasion, harassment, or another unlawful purpose;
• use automated tools to overload, scrape, probe, reverse engineer, or interfere with the website or its security;
• circumvent purchase limits, access controls, verification, or fraud-prevention measures;
• introduce malicious code or attempt unauthorised access to data, accounts, or systems; or
• resell or commercially exploit the service in a way that violates law, provider rules, or a restriction clearly disclosed before purchase.

We may restrict access or cancel affected orders where reasonably necessary to stop prohibited conduct. Serious suspected misconduct may be reported to payment providers, service providers, or competent authorities where lawful.

13. Intellectual Property

The PinoyLoads website, original text, design, software, databases, graphics, and PinoyLoads branding are owned by or licensed to us and are protected by applicable intellectual-property law. You may use the website for personal, lawful transactions. You may not copy, modify, distribute, sell, license, or exploit protected material except with permission or as allowed by law.

Third-party trademarks, product names, and logos remain the property of their respective owners and are used to identify compatible networks, payment methods, or services.

14. Service Standards and Availability

We will provide the service with reasonable care and skill and will honour mandatory legal requirements concerning conformity, delivery, and consumer remedies. We take reasonable steps to keep product information accurate and the service available.

We do not promise uninterrupted access or that every network and product will always be available. Planned maintenance, provider outages, internet failures, security incidents, or events outside our reasonable control may temporarily affect the website or delivery. We will use reasonable efforts to minimise disruption and resolve affected accepted orders.

15. Liability

Nothing in these Terms excludes or limits liability for fraud or fraudulent misrepresentation, intentional misconduct, gross negligence where it cannot lawfully be limited, death or personal injury caused by negligence where applicable, breach of mandatory consumer rights, or any other liability that law does not permit us to exclude or limit.

Subject to the paragraph above, PinoyLoads is responsible for losses that are a reasonably foreseeable result of our breach of these Terms or failure to use reasonable care and skill. We are not responsible for loss caused by inaccurate order information supplied by you, an unauthorised payment method supplied by you, recipient-device or account conditions, or a third-party service outside the transaction we agreed to supply.

For consumer orders, we are not responsible for business losses, including lost profit, revenue, opportunity, goodwill, or business interruption. If you use the service primarily for business or resale purposes, our aggregate liability arising from an affected order will, to the maximum extent permitted by law, not exceed the amount you paid to PinoyLoads for that order. This cap does not apply to liability that cannot lawfully be capped.

16. Events Outside Reasonable Control

We are not liable for delay or failure caused by an event outside our reasonable control, such as a telecommunications outage, payment-network failure, internet or hosting disruption, natural disaster, war, civil disturbance, government action, widespread cyberattack, labour disruption, or provider system failure. This does not excuse obligations that arose before the event or prevent a refund or other remedy where an accepted order ultimately cannot be supplied and applicable law requires one.

17. Privacy

Our Privacy Policy explains how we collect, use, retain, share, and protect personal data, including sender emails, recipient numbers, order history, My PinoyLoads labels, payment information received from PayPal, fraud signals, support messages, and traffic-source information. It also explains applicable retention periods and privacy rights.

18. Complaints, Governing Law, and Disputes

If you have a complaint, please contact support@pinoyloads.com. We will review the matter in good faith and may ask for information needed to identify the order and investigate it.

These Terms and contracts made through PinoyLoads are governed by the laws of Georgia (country), without regard to rules that would apply another law solely because of a conflict-of-laws analysis. If you are a consumer, this choice does not deprive you of mandatory protections that apply under the law of the country where you habitually reside.

Subject to any mandatory consumer right to bring or defend a claim in another competent forum, the courts of Georgia (country) have jurisdiction over disputes connected with these Terms or the service. We do not require a consumer to litigate exclusively in Tbilisi where applicable law gives that consumer the right to use another competent court or dispute-resolution body.

19. Changes to These Terms

We may update these Terms to reflect changes in the service, providers, law, security requirements, or business operations. The updated version will be posted with a new “Last Updated” date. Material changes apply to future orders from their effective date and do not retroactively change the agreed terms of a completed order unless required by law or expressly agreed with you.

If a change materially affects an ongoing feature such as My PinoyLoads, we may provide additional notice where reasonably appropriate. Continued use after the effective date means the updated Terms govern that later use, but it does not waive rights relating to an earlier order.

20. General Provisions

If a provision of these Terms is held invalid or unenforceable, it will be limited or removed only to the extent necessary, and the remaining provisions will continue to apply. A delay in enforcing a right is not a waiver of that right.

You may not transfer your rights or obligations under an order to another person if doing so would affect delivery, payment, security, or legal compliance without our consent. We may transfer the operation of the service or our rights and obligations as part of a legitimate business reorganisation or transfer, provided that doing so does not reduce mandatory consumer protections.

These Terms, the order information displayed and confirmed at checkout, and any policy expressly incorporated into them constitute the agreement relating to the relevant order. If specific product conditions shown before payment conflict with a general provision of these Terms, the specific disclosed condition governs that product, subject to mandatory law.

21. Contact Information