Information About the Agreement

Welcome to XEMCO!  We invite you to use our website and the XEMCO services.

Please note that the usage of our website and services is subject to your agreement with these Terms of Service.  This document describes in detail your rights and our rights relating to the provision of the service (as defined below).  Please review the Terms carefully before using this website.  Please also refer to our Privacy Policy.

Rules for User

XEMCO website users may upload and submit their forms with their personal information to avail of the XEMCO services.  This website requires the user to login using their XEMCO credentials to access the products and services that XEMCO offers, which are, but not limited to, loan application, membership updates and others, that XEMCO provides through this website.  Any other concerns, issues and inquiries should be coursed through the contact information provided in the website.

Legal Terms

Disclaimer:  XEMCO makes every effort to keep the information of this website accurate and complete. We disclaim any warranty or representation, expressed or implied, about the information’s (or this website’s) accuracy, completeness, or inappropriateness for a particular purpose. The XEMCO Board of Directors, manager, employees, and suppliers, are not responsible or liable for any claim, loss, damage, or expenses, resulting from the use of the information provided in the website. By using this website, you assume full responsibility for using the materials and information at this website.

XEMO does not guarantee that information in this website are appropriate or available for use in locations outside the Republic of the Philippines, and accessing this website from territories where its contents are illegal or unlawful, is prohibited.  If you choose to access this site from locations outside the Republic of the Philippines, you do so on your own initiative and are responsible for compliance with local laws.