Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and MP2 Savings Calculator ("we," "us," "our," or the "Website"), operated by Mark Santos, an independent Philippine personal finance researcher.

By accessing, browsing, or using any part of mp2savingscalculator.net — including using our calculator tools, reading our articles, or accessing any content — you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy and Disclaimer, which are incorporated herein by reference.

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old. If you are using this Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

MP2 Savings Calculator provides free, publicly accessible online tools and educational content related to the Pag-IBIG Modified Pag-IBIG II (MP2) savings program of the Philippines. Our services currently include:

• MP2 Maturity Calculator — Estimate your MP2 savings payout based on contribution amount, frequency, and investment period
• MP2 Dividend History Reference — Verified historical Pag-IBIG MP2 dividend rates from 2010 to the present
• MP2 Contribution Planner — Tools to model different savings scenarios and contribution strategies
• MP2 Comparison Tools — Compare MP2 returns against other savings benchmarks
• Educational Articles and Guides — Written explanations of MP2 program rules, eligibility, withdrawal procedures, and related topics

We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of services.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this Website for your personal, non-commercial informational purposes, subject to these Terms.

The following activities are strictly prohibited on or in connection with this Website. You agree not to:

• Use the Website for any unlawful purpose or in violation of any local, national, or international law or regulation
• Attempt to gain unauthorized access to any part of the Website, its servers, or any connected systems
• Interfere with or disrupt the integrity, performance, or security of the Website or its servers
• Transmit any malware, viruses, worms, Trojans, or other malicious code through or to the Website
• Use automated bots, scrapers, spiders, or similar tools to extract data from the Website without our prior written consent
• Attempt to reverse-engineer, decompile, or extract the source code or underlying logic of our calculator tools
• Impersonate any person or entity, including our staff, Pag-IBIG Fund representatives, or other users
• Reproduce, duplicate, copy, sell, resell, or exploit any part of the Website or its content for commercial purposes without our express written permission
• Use our content to create competing services or derivative works without authorization
• Attempt to circumvent, disable, or interfere with any security-related features of the Website
• Engage in any conduct that could damage, disable, or impair the Website or servers or networks connected to the Website
• Collect or harvest personal data from other users of this Website

All content, features, and functionality on this Website are owned by MP2 Savings Calculator (Mark Santos) and are protected by Philippine and international intellectual property laws.

What Is NOT Our Intellectual Property

We do not claim ownership over:

• Pag-IBIG Fund's official dividend rates, which are public information published by HDMF
• Republic Act 9679 and other Philippine laws, which are public domain government documents
• The Pag-IBIG Fund name, logo, and related trademarks, which are property of HDMF
• Third-party news articles and reports that we cite as sources

Fair Use & Linking

You may link to our Website from your blog, website, or social media without prior permission. However, framing our content within your own website without permission is not allowed. If you wish to reproduce more than a short excerpt of our content, please contact us for written permission first.

This Website and all of its content and tools are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the Website will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties that any information or results provided by the Website are accurate, complete, reliable, current, or error-free

Specifically regarding our calculator and content:

• Calculator outputs are projections, not guarantees. Actual MP2 dividend payouts are determined solely by Pag-IBIG Fund based on your official contribution history and the dividend rates it sets annually.
• This Website does not constitute financial, legal, tax, or investment advice. For personalized advice, consult a qualified professional licensed in the Philippines.
• We are not affiliated with Pag-IBIG Fund or any Philippine government agency, bank, or financial institution.
• Past dividend rates do not guarantee future rates. MP2 dividend rates are set annually by Pag-IBIG Fund and may increase or decrease.

Please review our full Disclaimer page for complete details on these limitations.

To the maximum extent permitted by applicable Philippine law and international law, in no event shall MP2 Savings Calculator, its founder, authors, contributors, employees, or agents be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, savings, revenue, data, goodwill, or business opportunities
• Any financial loss resulting from reliance on our calculator outputs or educational content
• Any damages resulting from unauthorized access to or alteration of your transmissions or data
• Any damages resulting from the conduct of any third party on the Website
• Any damages resulting from interruption, suspension, or termination of the Website

Some jurisdictions do not allow the exclusion or limitation of certain types of damages. If you reside in such a jurisdiction, the above limitations may apply to the maximum extent permitted by law in your jurisdiction.

This Website participates in the Google AdSense advertising program operated by Google LLC. By using this Website, you acknowledge and agree to the following regarding advertising:

Presence of Advertisements

Google AdSense may display advertisements on various pages of this Website. These ads are automatically selected and served by Google based on your browsing history and the content of the pages you visit. We do not manually select which ads appear on our site.

No Endorsement of Advertisers

The display of any advertisement on this Website does not constitute our recommendation, endorsement, or promotion of the advertised product, service, brand, or company. You should independently evaluate any advertised product or service before making any purchase or financial decision.

Google's Role

Google, as a third-party vendor, uses cookies (including the DoubleClick cookie) to serve personalized ads. Google's collection and use of data in connection with advertising is governed by Google's Privacy Policy. You can opt out of personalized advertising at Google's Ads Settings.

Editorial Independence

Our Website may contain hyperlinks to third-party websites, resources, and services. These links are provided solely for your reference and convenience. We do not control these third-party websites and are not responsible for their content, accuracy, privacy policies, or practices.

Specifically:

• Links to pagibigfund.gov.ph and other government websites are for your reference — these sites operate independently and may change their content at any time
• Links to Philippine news publications are provided as source citations — we do not control or endorse the editorial views of those publications
• Links to Google's privacy and advertising management tools are included to comply with Google AdSense program requirements

Clicking on third-party links will take you away from our Website. We encourage you to review the terms and privacy policies of any external site you visit. Including a link to a third-party site does not imply our endorsement of that site or its operators.

Your privacy is important to us. Our collection, use, and handling of any personal information we may receive in connection with your use of this Website is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using this Website, you consent to the data practices described in our Privacy Policy, including the use of cookies by us and by third-party services such as Google Analytics and Google AdSense.

We reserve the right to restrict, suspend, or permanently terminate your access to this Website at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms and Conditions
• Conduct that we determine, in our sole discretion, is harmful to the Website, other users, or third parties
• Requests by law enforcement, government agencies, or court orders
• Unexpected technical or security issues
• Extended periods of inactivity (for any registered accounts or forms, if applicable)

Upon termination, your right to access and use this Website ceases immediately. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We also reserve the right to modify, suspend, or permanently discontinue the Website or any part of it at any time without notice or liability to you.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of this Website, the parties agree to first attempt to resolve the dispute informally by contacting us at our Contact page.

If informal resolution is not possible, any dispute shall be submitted to the exclusive jurisdiction of the appropriate courts of the Philippines. You consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

International Users

This Website is operated from the Philippines and is intended primarily for Philippine citizens, residents, and OFWs. If you access this Website from outside the Philippines, you do so at your own risk and are responsible for compliance with local laws applicable in your country. We make no representation that the content or services are appropriate or available in other jurisdictions.

We reserve the right to revise and update these Terms at any time at our sole discretion. All changes are effective immediately when posted on this page, and the "Last Updated" date at the top of this page will be updated accordingly.

Your continued use of the Website following the posting of revised Terms means you accept and agree to the changes. We encourage you to review this page periodically so you are aware of any changes.

For significant changes, we may provide a notice on our homepage or other prominent location on the Website. However, we are not obligated to provide advance notice of any changes.

The current version of these Terms is always available at: mp2savingscalculator.net/terms-and-conditions/

If you have any questions, concerns, or requests regarding these Terms and Conditions, please do not hesitate to reach out to us. We will respond to all genuine inquiries within 30 business days.

• Website: mp2savingscalculator.net
• Contact Form: mp2savingscalculator.net/contact-us/
• Operator: Mark Santos, Independent Researcher — Philippines