FingerTechDotCom

Memorandum of Agreement

By buying our products you must pay the amount of the downpayment to PATRICK DON RAUMEL P. CAYACO and wait for unit to arrive within 3-5 days. You must also certify and agreed to pay the loan in installment – the amount agreed on,in a span of months that is suitable for you.
You must hereby understand and agreed to the following:
1. All Sales are final. The entrepreneurs do not tolerate change of items, if the item is not found to be defective within the corresponding replacement period.
1.1 Each consumer is given 2 days grace period to throughly check the unit for malfunction or defective issues.
1.2 Last minute changes in item specifications will not be accepted once product has already been sold.
1.3 All items are guaranteed brand new and the entrepreneur gives a five-day change item assurance if found otherwise.
2. There will be an additional P15.00 penalty for each day after the due date has passed.
3. In circumstances that the client will not be able to pay the monthly payment with the penalty in two consecutive months, the penalty will stop counting and the entrepreneur will give the client one (1) week extension to pay. After a week that the client will not be able to pay the entrepreneur is authorized to get the unit from the client.
3.1 If the unit is not in a very good condition (e.g. has damages and scratches). The client will be obliged to pay for the remaining balances including the penalty; unless the client has paid all the the balances, the entrepreneur won’t release the unit.
4. That the co-debtor/guarantor of the client will be held liable for the unpaid loan in cases where the client will be missing and have not paid the loan or the remaining balance of the loan.
5. That we have a “NO RETURN, NO EXCHANGE POLICY”.
6. That my ATM will be set as collateral, and it will be given to Patrick Don Raumel Cayaco with the password.
6.1.1 That they will be collecting charges on that ATM on or before my due date with my permission.



If you have any questions, please feel free to ask. :)