Terms of Service

Welcome to Proxima ("Platform", "we", "us", or "our"), operated by Proxima Technologies, with principal operations in the Philippines. By accessing or using proxima.com.ph, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Platform.

These Terms govern your use of the Platform's products: Proxima Service (a marketplace connecting Customers with local Service Providers) and Proxima Cashflow (a personal finance tracker). Roles include Customer, Service Provider, and Cashflow User. Collectively referred to as "Users."

1. Nature of the Platform

Proxima operates two products under a single account:

• Proxima Service — a marketplace platform that connects Customers with independent Service Providers. Service Providers are independent contractors, not employees, agents, or partners of Proxima. Proxima does not guarantee the quality, safety, legality, or accuracy of services or Provider credentials.
• Proxima Cashflow — a personal finance tracker that lets Users record bills, income, transfers, recurring expenses, accounts, and categories. Proxima Cashflow is an information-management tool — it is not a bank, payment processor, financial advisor, or accounting firm. All entries are manual; we do not connect to your banks, e-wallets, or credit cards.

2. Eligibility

To use the Platform, you must:

• Be at least 18 years of age or the legal age of majority in your jurisdiction;
• Have the legal capacity to enter into binding contracts;
• Not be prohibited from using the Platform under applicable Philippine law or other applicable laws;
• Provide accurate, current, and complete information during registration.

By registering, you represent and warrant that all information you provide is truthful, accurate, and complete, and that you will maintain the accuracy of such information.

3. Account Registration and Security

You must register an account to access most features of the Platform. You are responsible for:

• Maintaining the confidentiality of your login credentials;
• All activities that occur under your account;
• Notifying us immediately at [email protected] of any unauthorized use of your account.

You may not share your account with others or create multiple accounts. Proxima reserves the right to suspend or terminate accounts that violate these Terms.

4. Booking and Payment

4.1 Booking Process

Customers may request a booking with a Service Provider through the Platform. A booking is not confirmed until the Provider accepts the request and the Customer pays the Platform Fee.

4.2 Platform Fee

Proxima charges a Platform Fee to Customers to facilitate and secure bookings. This fee is non-refundable except in the circumstances described in Section 5. The Platform Fee is displayed before payment is processed.

4.3 Service Payment

Payment for the actual service rendered is made directly between the Customer and Service Provider, using the payment method agreed upon at booking (e.g., cash, GCash, bank transfer). Proxima is not a party to the service payment transaction.

4.4 Payment Processing

Platform Fee payments are processed securely through PayMongo, a third-party payment processor licensed by the Bangko Sentral ng Pilipinas (BSP). By making a payment, you also agree to PayMongo's terms of service. Proxima does not store your full card or bank account details.

4.5 Payment Window

Once a Provider accepts a booking, the Customer must pay the Platform Fee within 4 hours. Failure to pay within this window will result in automatic cancellation of the booking.

5. Cancellations and Refunds

5.1 Customer Cancellations

Customers may cancel a confirmed booking subject to the Provider's cancellation policy. Refunds of the Platform Fee are issued to the Customer's Proxima Wallet and are subject to the following:

• If cancelled before the Provider begins service: Platform Fee is refunded to Wallet.
• If cancelled after service has begun: No refund of the Platform Fee.

5.2 Provider Cancellations

If a Provider cancels a confirmed booking, the Customer will receive a full refund of the Platform Fee to their Proxima Wallet.

5.3 Provider Suspension

If a Provider's account is suspended by Proxima after a booking is confirmed, the Platform Fee will be automatically refunded to the Customer's Proxima Wallet.

5.4 Wallet Funds

Proxima Wallet credits may be used to pay future Platform Fees. Wallet balances are non-transferable and non-cashable except where required by applicable law.

6. Service Provider Obligations

Service Providers agree to:

• Provide accurate, truthful, and complete information about their services, qualifications, and identity;
• Hold all licenses, permits, or certifications required by Philippine law to perform the services offered;
• Perform services in a professional, timely, and workmanlike manner;
• Maintain appropriate liability insurance where applicable;
• Not solicit Customers to transact outside the Platform to circumvent fees;
• Comply with all applicable laws, including but not limited to tax obligations under the National Internal Revenue Code.

Proxima reserves the right to verify Provider credentials and to remove listings at any time without prior notice.

7. Prohibited Conduct

Users must not:

• Use the Platform for any unlawful purpose or in violation of these Terms;
• Post false, misleading, or fraudulent information;
• Harass, threaten, or abuse other Users;
• Circumvent Proxima's fee structure by arranging transactions off-platform;
• Attempt to manipulate reviews or ratings;
• Use automated scripts, bots, or scraping tools on the Platform;
• Impersonate another person or entity;
• Upload malicious code or engage in any activity that disrupts the Platform.

Violations may result in immediate suspension or termination of your account and, where applicable, referral to law enforcement authorities.

7A. Proxima Cashflow — Specific Terms

The following terms apply to your use of Proxima Cashflow:

7A.1 Information Tool, Not Financial Advice

Proxima Cashflow is provided for personal record-keeping and reminders only. It does not constitute financial, accounting, tax, investment, or legal advice. You are solely responsible for any decisions you make based on the data you enter or view.

7A.2 No Bank Connection

Proxima Cashflow does not connect to, sync with, or read data from any bank, e-wallet (including GCash and Maya), credit card, or financial institution. All entries — transactions, balances, and account information — are manually entered by you. We make no warranty as to their accuracy or completeness.

7A.3 Reminders

Proxima Cashflow can send you reminders about upcoming entries via in-app notifications and email. Reminder delivery is best-effort and may be delayed or fail due to service interruptions, email provider issues, or your settings. Proxima is not liable for missed payments, late fees, or other consequences arising from undelivered or delayed reminders. You remain responsible for paying your bills on time.

7A.4 Account Balances

Account balances shown in Proxima Cashflow are computed from the transactions you mark as paid. They are estimates based on user-entered data and do not reflect actual balances at any bank or financial institution. Always verify with your real provider before making decisions.

7A.5 Data Loss

While we maintain reasonable backup procedures, Proxima makes no warranty against data loss. We recommend you maintain your own records for any financial information you consider critical.

7A.6 No Money Movement

Proxima Cashflow does not move money. Marking an entry as "paid" within the app changes the record only — it does not initiate any actual payment, transfer, or transaction with any third party.

7A.7 Pricing

Proxima Cashflow is currently free to use. We reserve the right to introduce paid tiers in the future with reasonable notice; existing data will remain accessible.

8. Reviews and Ratings

Users may leave reviews and ratings after a completed booking. Reviews must be honest, accurate, and based on first-hand experience. Proxima reserves the right to remove reviews that violate these Terms or our community guidelines, including reviews that are defamatory, abusive, or fraudulent.

Proxima does not endorse any review and is not responsible for the accuracy of User-submitted content.

9. Intellectual Property

All content on the Platform, including but not limited to text, graphics, logos, icons, images, and software, is the property of Proxima or its content suppliers and is protected under Philippine intellectual property laws and international treaties.

You are granted a limited, non-exclusive, non-transferable license to access and use the Platform solely for its intended purpose. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

10. Disclaimers and Limitation of Liability

10.1 Platform "As Is"

The Platform is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. Proxima does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or harmful components.

10.2 No Liability for Service Quality

Proxima is not liable for the quality, safety, or outcome of any service performed by a Service Provider. Any disputes regarding the service itself are between the Customer and the Provider.

10.3 Limitation of Liability

To the fullest extent permitted by law, Proxima's total liability to any User for any claim arising out of or related to these Terms or the Platform shall not exceed the amount of Platform Fees paid by the User in the six (6) months preceding the claim.

10.4 Indemnification

You agree to indemnify, defend, and hold harmless Proxima and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of the Platform, your violation of these Terms, or your violation of any rights of another party.

11. Privacy

Your use of the Platform is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection, use, and disclosure of your personal data as described in our Privacy Policy, in compliance with Republic Act No. 10173 (Data Privacy Act of 2012).

12. Termination

Proxima reserves the right to suspend or terminate your account and access to the Platform at any time, with or without cause and without prior notice, including if we reasonably believe you have violated these Terms.

Upon termination, your right to use the Platform ceases immediately. Wallet balances remaining at termination for cause are forfeited. Termination does not limit Proxima's right to pursue other remedies.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising from or related to these Terms shall first be submitted to good-faith mediation. If unresolved within thirty (30) days, disputes shall be submitted to the exclusive jurisdiction of the appropriate courts of the Republic of the Philippines.

14. Changes to These Terms

Proxima reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Continued use of the Platform after changes take effect constitutes your acceptance of the revised Terms.

15. Contact Us

If you have questions about these Terms, please contact us: