GCash Jr. Terms and Conditions

Welcome to GCash Junior!

GCash Junior is an electronic wallet specially designed for minors (“Minor”) to help them develop good money habits. Subject to the GCash App Terms and Conditions, which are incorporated in these terms by reference as if set out in full herein, and these GCash Junior Terms and Conditions (these “Terms”), GCash Junior allows a fully verified Minor to access non-age-restricted GCash products and services, such as pay bills, buy load, pay QR, offline cash in, online payments, send money, cash out, send to bank, online bank cash-in, international remittance, GLife, including products of affiliates of GCash. GCash may add to, or modify, the range of products and services accessible to the Minor.

Please read these Terms prior to completing the registration for a GCash Junior account. The parent, legal guardian, or the person exercising parental authority over the Minor (“Guardian”) shall provide consent to the opening of the Minor’s GCash Junior account. The Guardian will be primarily responsible for the Minor’s account and wallet and must ensure that the Minor understands these Terms and the use of GCash products and services.

In these Terms, “GXI”, “GCash”, “we”, “us”, and “our” refer to G-Xchange, Inc., including its directors, officers, employees, affiliates, representatives, partners, successors and assigns. “Customer”, “User”, “you”, and “your” refer to the Minor and the parent, guardian, or other person exercising parental authority over the Minor who allows, authorizes, and who has given consent to the registration and use by the Minor of GCash Junior. “GCash Group” refers to (i) G-Xchange, Inc., (ii) Fuse Lending, Inc., (iii) Globe Fintech Innovations, Inc., (iii) their affiliates and subsidiaries, (iv) their business partners, service providers, and other third-party partners contracted by it for the purpose of conducting its business operations, and (v) their respective, officers, employees, agents, and representatives.

These Terms shall govern how you may access and use GCash Junior and all other associated services (collectively, “GCash Services”). By registering for GCash Junior, you accept and agree to be legally bound by these Terms.

Please read the Privacy Notice of GCash before using any or a portion of the GCash Services. The Privacy Notice describes the purpose and manner of collection, processing, and sharing of your personal data when using the GCash Services.

These Terms shall be effective, valid, and binding from the time of your registration and will remain in force until terminated by you or us, except for provisions that survive and remain effective after termination, as stated in these Terms, or pursuant to law or regulation, or when their nature and sense necessarily require survival after termination.

REQUIREMENTS

If the consent and submission of requirements are provided by persons other than the parent of the Minor, GXI will require the following documents as proof of relationship with or parental authority over the Minor:

• If consent is given by a legal guardian or in the absence of the latter, the Minor’s actual custodian: a letter of guardianship issued by court or a notarized affidavit of guardianship, and barangay certificate of residency of the Minor and the actual custodian.
• If consent is given by a grandparent: PSA birth certificate of the parent, death certificate of parents (in case of death of parents), or notarized affidavit (in case of absence of parents).
• If consent is given by the sibling at least 21 years of age: PSA birth certificate of sibling, death certificate of parents (in case of death of parents), or notarized affidavit (in case of absence of parents and grandparents).

If the consent and submission of requirements are provided by persons other than the parent of the Minor, GXI will require the following documents as proof of relationship with or parental authority over the Minor:

• If consent is given by a legal guardian or in the absence of the latter, the Minor’s actual custodian: a letter of guardianship issued by court or a notarized affidavit of guardianship, and barangay certificate of residency of the Minor and the actual custodian.
• If consent is given by a grandparent: PSA birth certificate of the parent, death certificate of parents (in case of death of parents), or notarized affidavit (in case of absence of parents).
• If consent is given by the sibling at least 21 years of age: PSA birth certificate of sibling, death certificate of parents (in case of death of parents), or notarized affidavit (in case of absence of parents and grandparents).

REGISTRATION AND VERIFICATION PROCESS

• You undertake to complete the GCash Junior registration and verification process and submit the documentary requirements specified above in support of your GCash Junior registration (“Supporting Documents”). You certify that the data and information you have provided during the GCash Junior registration are true and correct as of the date of submission. You also certify, represent, and warrant the authenticity of the Supporting Documents.
• The information you provide will be used to determine if you are eligible to use any of the GCash Services. You acknowledge and agree that if there is any misinformation, misrepresentation, or failure to disclose required information in your GCash Junior registration, GCash reserves the right to reject your GCash Junior registration or deactivate your access to GCash Junior and GCash Services. This action is taken without prejudice to any potential civil or criminal proceedings that may be initiated against you for misrepresentation or misinformation.
• You represent and warrant that the provided information and documents are true, correct, and complete in all material respects. You authorize GCash to conduct verification to establish the accuracy, completeness, and authenticity of the information and Supporting Documents you have submitted to GCash. We will process your personal data in accordance with the requirements of the Data Privacy Act of 2012, its implementing rules and regulations, and the issuances of the National Privacy Commission (NPC). To learn more about how we process your personal information and protect your privacy, please read the Privacy Notice of GCash.
• You agree that GCash may send you short messaging services (SMS), mobile, email, or app alerts and messages for the purpose of confirming your GCash Junior registration, verifying other information in connection with such registration, or for other related purposes. GCash may opt to complete such verification through phone calls should it be deemed necessary. GCash reserves the right to reject your GCash Junior registration or deactivate your access to GCash Junior and/or GCash Services should you fail to reply to these messages that require your confirmation within the prescribed period specified in the message.
• You shall release and hold GCash free and harmless from any claims, demands, or liabilities of any kind or nature in connection with, or arising from the registration and verification process or disclosure of your information in connection with such registration unless such claims, demands, or liabilities are due to fault solely attributable to GCash.

THE PARENT / GUARDIAN / OTHER PERSON EXERCISING PARENTAL AUTHORITY

• The GCash Junior account shall be in the name of the Minor and shall be linked to the GCash account of the parent or Guardian. In opening a GCash Junior account, you declare that the GCash Junior account is being held for the benefit and use of the Minor named in the registration. The parent or Guardian hereby acknowledges and agrees that they are the lawful owner of the GCash Junior account, and its utilization is solely on behalf of and for the exclusive benefit of the Minor. The parent or Guardian shall be responsible for monitoring all actions performed on the GCash Junior account. All actions performed and services provided within the GCash Junior account are presumed to be carried out with your explicit consent.
• You understand and give your full consent to the linking of your personal GCash account and the Minor’s GCash Junior account. You acknowledge that GCash may manage the transactions between the two accounts.
• You agree that, upon reaching the age of majority (i.e., 18 years old), the Minor shall have full control and accountability of his GCash account and will be given access to all GCash services. In this case, the linking of your parent's or Guardian's personal GCash account and the Minor’s GCash Junior account shall automatically cease and the Minor shall be bound by the GCash App Terms and Conditions if the Minor continues accessing and using the GCash App after the unlinking.
• You acknowledge that the minor’s GCash account shall be automatically deactivated in the event the parent’s/Guardian’s GCash account will be deactivated or terminated for whatever reason.
• You affirm that you hold parental authority over the Minor and expressly grant permission, authorization, and consent for the Minor to establish a GCash Junior account. Additionally, you consent to the linkage of your GCash account with the Minor's GCash Junior account. It is agreed that notwithstanding parental or Guardian consent, the parent or Guardian who has given consent to the registration and use by the Minor of GCash Junior shall remain to be the GCash account or GCash owner of the GCash Junior account and shall be bound by these Terms.
• You are authorized to receive account details and information from GCash and any information related to the Minor’s account. Any change in the GCash Junior account details shall be subject to your approval.
• You shall be liable for all acts or omissions of the Minor, connected with, or arising out of, the opening, ownership, or use of the GCash Junior account. Any harm or damage inflicted by the Minor during the use of the GCash Junior Account, whether directly or indirectly, leading to injury to GCash or any third party, is your sole responsibility. You will be primarily and jointly responsible for any damages resulting from the actions or omissions of the Minor while using the GCash Junior account. This includes damages and liabilities arising from fraudulent activities associated with the use of the GCash Junior account.
• You warrant that you have read and explained these Terms to the Minor, and that the latter understands the same.
• If it is determined that your use of the GCash Junior account and GCash services is deemed suspicious, fraudulent, or in violation of laws, or if it is found to abet in criminal or unlawful activities, GCash retains the right to deactivate your access to GCash Junior and GCash Services. This measure is taken without prejudice to any potential civil or criminal proceedings that may be initiated against you.
• You agree to defend, indemnify, and hold GCash and all other persons acting on its behalf, free and harmless from any liability whatsoever arising from the use by the minor of the GCash Junior account, and any and all liability whatsoever that may arise from the foregoing.

DATA PRIVACY CONSENT

To know more about how we collect, process, share, and protect your personal data when using GCash Services, please read our Privacy Notice.

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COMPLIANCE

You undertake to comply with all applicable provisions of (i) AMLA Laws consisting of Republic Act No. 9160 or the Anti-Money Laundering Act, Bangko Sentral ng Pilipinas (BSP) Circular No. 706, Series of 2011 or the Updated Anti-Money Laundering Rules and Regulations, and the BSP Circular No. 950-17 or the Amendments to Part Eight or the Anti-Money Laundering Regulations of the Manual of Regulations for Banks and Manual of Regulations for Non-Bank Financial Institutions; (ii) Republic Act No. 10168 or The Terrorism Financing Prevention and Suppression Act of 2012; (iii) Republic Act No. 11479 or the Anti-Terrorism Act of 2020; (v) Batas Pambansa Blg. 881 or the Omnibus Election Code of the Philippines; (vi) Act No. 3815 or The Revised Penal Code of the Philippines; and (vii) their respective amendments and implementing guidelines, rules, and regulations. GCash reserves its rights and remedies under these Terms and applicable laws for any violation of these laws.

You shall comply with all the laws applying to Minors, including Republic Act No. 11930 otherwise known as Anti-Online Sexual Abuse or Exploitation of Children (OSAEC) and Anti-Child Sexual Abuse or Exploitation Materials (CSAEM) Act as well as  Republic Act No. 7610 otherwise known as the Special Protection of children Against Child Abuse, Exploitation and Discrimination Act.

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CUSTOMER COMPLAINTS HANDLING PROCESS

If you have any concerns on the use of GCash Junior, visit the GCash Help Center and use the Help Feature (Live Chat) or submit a ticket.  You may also call our hotline 2882. All information disclosed shall be treated with the utmost confidentiality and will be resolved in the most efficient and effective manner. 

GCash reserves the right to conduct verification and due diligence procedures to ensure that the parent or Guardian is promptly notified of any concerns raised by the Minor. GCash is committed to providing transparent communication regarding the resolution process for these concerns, ensuring that the Minor as well as the parent or Guardian are informed about the measures taken and the subsequent resolution of the concerns.

GCash maintains full cooperation with the BSP in Financial Consumer Protection. You may coordinate with BSP’s Financial Consumer Protection Department at (632) 8708.7087 or (632) 8708.7088). You may also email BSP at consumeraffairs@bsp.gov.ph.

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USER UNDERTAKING

By registering to GCash Junior, you hereby certify and confirm that you have read, understood, and agreed in full to these Terms and have fully understood and agreed to be governed by the provisions thereof, as well as the rules and regulations of Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, and the Bureau of Internal Revenue with respect to taxes imposed on your transactions relative to your use of the GCash App. You also hereby affirm the features, requirements, risks, and benefits of the GCash Services. You further declare that you have fully understood and agree to be governed by the rules and regulations of each of the GCash products and services you are availing. You also acknowledge that these Terms were made available to you upon registration and GCash’s website.

You further undertake to promptly notify GCash should there be a change in the relationship with the Minor such as guardianship or parental authority over the Minor has ceased for whatever reason. In the latter case, you agree that GXI, at its sole discretion, may subject the Minor’s account to another verification process.

Unless loss or damage is solely attributable to GCash’s sole gross negligence, GCash shall not be liable for any loss or damage sustained by you or any other person by reason of your use of GCash Junior or relative to your transactions using the GCash App, the risk for all are assumed by you. By registering, you authorize GCash to disclose information necessary for the execution of your GCash transaction and you agree that GCash shall not be liable for any loss or damage that you may sustain or incur arising from, or in connection, with the disclosure of any such information. You authorize GCash to collect/debit from your wallet any and all applicable fees and charges relative to the processing and implementation of this transaction.