Terms of Service

1. Agreement to Terms

Welcome to resp.ph ("Platform," "Service," "we," "us," or "our"). By accessing or using our platform, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and resp.ph. By creating an account, you represent that you are at least 18 years old and have the legal capacity to enter into this agreement.

2. Platform Description

resp.ph is a marketplace that connects learners with accredited real estate education providers in the Philippines. Our services include but are not limited to:

• For Learners: Browse and register for PRC-accredited seminars, board exam review classes, and university programs
• For Providers: List educational programs, manage registrations, and reach qualified learners
• Platform Features: User accounts, course search and filtering, booking system, payment processing, reviews and ratings, CPD tracking

resp.ph acts as an intermediary platform and is not responsible for the actual delivery of educational services, which remains the sole responsibility of the educational providers.

3. User Accounts

3.1 Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Maintain the security and confidentiality of your login credentials
• Immediately notify us of any unauthorized use

3.2 Account Types

• Learner Account: For individuals seeking educational opportunities
• Provider Account: For PRC-accredited institutions, review centers, and universities
• Corporate Account: For companies managing employee education

3.3 Account Verification

Provider accounts require verification of:

• PRC accreditation status and number
• Business registration documents
• Authorized representative identification
• Other documents as required by platform policy

4. User Conduct and Responsibilities

4.1 Prohibited Activities

You agree not to:

• Violate any laws, regulations, or third-party rights
• Provide false, misleading, or fraudulent information
• Impersonate any person or entity
• Upload viruses, malware, or harmful code
• Scrape, data mine, or use automated systems to access the Platform
• Interfere with or disrupt the Platform's operation
• Create multiple accounts to circumvent restrictions
• Engage in fraudulent booking or registration activities
• Post fake reviews or manipulate ratings
• Harass, threaten, or harm other users
• Use the Platform for unauthorized commercial purposes

4.2 Content Guidelines

User-generated content (reviews, comments, messages) must not contain:

• Defamatory, obscene, or offensive material
• Personal attacks or discriminatory language
• Spam or unauthorized advertising
• Confidential or proprietary information
• Content that infringes intellectual property rights

5. Educational Provider Terms

5.1 Provider Obligations

Educational providers agree to:

• Maintain valid PRC accreditation throughout their use of the Platform
• Provide accurate, complete, and up-to-date course information
• Honor all bookings made through the Platform
• Deliver educational services as advertised
• Issue proper receipts and certificates to learners
• Respond to learner inquiries within 48 hours
• Maintain professional standards and ethical conduct
• Comply with all applicable education regulations

5.2 Listing Standards

Course listings must include:

• Accurate course title and description
• Valid CPD units (if applicable)
• Complete schedule and venue information
• Clear pricing with no hidden fees
• Instructor qualifications
• Cancellation and refund policies

5.3 Provider Fees

Providers may be subject to:

• Platform listing fees
• Transaction fees (percentage of bookings)
• Featured listing fees (optional)
• Payment processing fees

Fee structure will be clearly communicated during provider onboarding.

6. Bookings and Payments

6.1 Booking Process

• Bookings are subject to availability and provider confirmation
• resp.ph facilitates but does not guarantee booking acceptance
• Booking confirmations will be sent via email and SMS
• Learners must attend sessions to receive CPD credits

6.2 Payment Terms

• Payments are processed through secure third-party providers
• Accepted methods: Credit/debit cards, GCash, PayMaya, bank transfer
• Prices are in Philippine Pesos (PHP) unless otherwise stated
• All fees are inclusive of applicable taxes

6.3 Refunds and Cancellations

• Refund policies are set by individual providers
• resp.ph's role is limited to facilitating refund requests
• Platform fees may be non-refundable
• Force majeure events may affect refund eligibility

7. Intellectual Property Rights

7.1 Platform Content

All content on resp.ph, including but not limited to text, graphics, logos, images, audio, video, and software, is the property of resp.ph or its licensors and is protected by Philippine and international intellectual property laws.

7.2 User Content License

By posting content on the Platform, you grant resp.ph a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to:

• Use, reproduce, modify, and display the content
• Distribute the content across our Platform
• Use the content for marketing and promotional purposes

7.3 Provider Content

Providers retain ownership of their educational materials but grant resp.ph the right to display course information for platform operations.

8. Privacy and Data Protection

Your use of the Platform is subject to our Privacy Policy, which complies with the Philippine Data Privacy Act of 2012. By using our Service, you consent to:

• Collection and processing of personal information as described in our Privacy Policy
• Sharing of necessary information with educational providers for bookings
• Use of cookies and tracking technologies
• Receiving service-related communications

9. Disclaimers and Limitations of Liability

9.1 Service Disclaimers

resp.ph provides the Platform on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties, express or implied, including but not limited to:

• The accuracy, reliability, or completeness of provider listings
• The quality of educational services provided by third parties
• The Platform's uninterrupted or error-free operation
• The suitability of courses for your specific needs

9.2 No Professional Advice

Information on resp.ph does not constitute professional, legal, or educational advice. Course completion does not guarantee professional licensure or employment.

9.3 Limitation of Liability

To the maximum extent permitted by law, resp.ph shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or opportunities.

10. Indemnification

You agree to indemnify, defend, and hold harmless resp.ph, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use or misuse of the Platform
• Your violation of these Terms
• Your violation of any third-party rights
• Content you post on the Platform

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict of law provisions.

11.2 Arbitration

Any disputes arising from these Terms shall be resolved through binding arbitration under the rules of the Philippine Dispute Resolution Center, Inc. (PDRCI).

11.3 Jurisdiction

For disputes not subject to arbitration, you consent to the exclusive jurisdiction of the courts of Makati City, Philippines.

12. Termination

You may terminate your account at any time through account settings or by contacting support. Termination does not affect existing bookings or outstanding obligations.

resp.ph reserves the right to suspend or terminate accounts that violate these Terms, with or without notice, at our sole discretion.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or platform announcement at least 30 days before taking effect.

Continued use of the Platform after changes constitutes acceptance of the modified Terms.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and resp.ph regarding the use of our Platform.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

15. Contact Information

For questions about these Terms of Service, please contact us: