Understand first.
Decide second.

1. Service operator

Pera Vista is operated by Empire Peak Finance Investors Inc., SEC registration number CS201919894, with registered address at 309-11 Ronquillo St 203 Z 29, Santa Cruz, Manila, 1003 Metro Manila, Manila, Philippines.

2. Eligibility and application

Applicants must satisfy the eligibility requirements shown in the app and be legally capable of entering a credit agreement in the Philippines. Submission does not guarantee approval. We may verify submitted information, request supporting documents, conduct identity, fraud, and affordability checks, and approve, decline, or limit an application as permitted by law.

You are responsible for ensuring that all information you submit is complete, accurate, current, and your own.

3. Your loan offer

Before acceptance, the app will present the terms applicable to your offer, including the approved principal, net disbursement amount, interest or finance charge, service and other fees, applicable taxes, repayment schedule, due date, total repayment, late-payment consequences, and official payment channels.

Loan amounts, terms, rates, fees, and penalties vary according to the product and eligibility review. The values displayed in your final disclosure statement and loan agreement apply to your loan. Review them carefully before accepting.

4. Acceptance and disbursement

A loan becomes binding only after you review and validly accept the final disclosure statement and loan agreement and all required verification is complete. Available disbursement channels and expected timing will appear in the app. Verification, partner availability, banking schedules, or technical issues may affect disbursement timing.

5. Borrower responsibilities

• Provide complete, accurate, and current information.
• Review the offer, disclosure statement, and agreement before acceptance.
• Borrow only an amount you reasonably expect to repay.
• Keep your device, password, PIN, and OTP secure.
• Pay on time through official channels shown in the app or your agreement and retain receipts.
• Contact support promptly about errors, suspected fraud, payment difficulty, or disputes.

6. Repayment and late payment

You must repay according to the schedule in your accepted loan agreement. The app or agreement will show official payment channels, processing times, and applicable channel charges. You should allow enough processing time for a payment to be credited by its due date.

Any late charge, collection step, or account consequence will follow the accepted agreement and applicable Philippine law. Contact support as early as possible if you expect difficulty making a payment.

7. Safe and fair conduct

Never send payment to a personal bank or wallet account and never disclose an OTP, password, or PIN to a caller or chat contact. Use only repayment channels displayed in the Pera Vista app or your loan agreement.

Collection activity must be lawful, respectful, and consistent with applicable borrower-protection and privacy requirements. Report suspected fraud, impersonation, harassment, or improper collection conduct using the support channels below.

8. Account restrictions and service changes

We may restrict or suspend account access when reasonably necessary for security, suspected fraud, legal compliance, account misuse, or service maintenance. Any material change affecting an existing loan will be handled according to its accepted agreement and applicable law.

9. Support, complaints, and disputes

Email: support@peravista.top
Phone: 0938 740 5909
Postal address: 309-11 Ronquillo St 203 Z 29, Santa Cruz, Manila, 1003 Metro Manila, Manila, Philippines

When contacting us, provide enough information to identify your account and explain the issue, but never send your password, PIN, or OTP. We will review complaints and provide updates through an official support channel. Nothing in these terms limits any right or remedy that cannot lawfully be excluded.

10. Governing law and updates

These terms and the Pera Vista service are governed by applicable laws of the Republic of the Philippines. If any provision is held invalid or unenforceable, the remaining provisions continue to apply to the extent permitted by law.

We may update these general terms to reflect service or legal changes. The current version will be published on this website with its effective date. Changes to an existing loan remain subject to its accepted agreement and applicable law.