SINAVEX Earn Terms and Conditions

1 Acceptance

By creating an account, accessing SINAVEX Earn, or participating in any activity on the platform, you agree to be bound by these Terms and you acknowledge that you have read the SINAVEX Earn Privacy Notice, which explains how we handle personal information.

If you do not agree with these Terms, please do not create an account or use SINAVEX Earn.

The separate consent you give during registration regarding the use of your submitted information for research, analytics, product improvement and machine-learning purposes is recorded independently of your acceptance of these Terms, together with the version of each document you accepted.

2 Eligibility

To use SINAVEX Earn, you must:

• be at least 18 years old;
• have the legal capacity to enter into a binding agreement; and
• provide registration and profile information that is true, accurate and complete, and keep it up to date.

Each individual may hold only one SINAVEX Earn account unless we have expressly authorised otherwise in writing. Accounts are personal and may not be sold, transferred, shared or operated on behalf of another person.

We may apply reasonable verification requirements, such as mobile number verification, to confirm eligibility, protect users and prevent abuse.

3 Account activation

Registering does not guarantee that your account will be activated. New accounts may remain Pending while we review profile information, eligibility, risk factors or other account requirements.

Account reviews may be assisted by automated systems, including artificial-intelligence tools that check the consistency of non-identifying profile information. Automated review may approve an account that meets our requirements; it does not reject accounts, and any account that is not approved automatically is reviewed by our team.

While an account is Pending, it cannot participate in reward-bearing activities or request withdrawals. Pending users may still complete their profile, view their account status, review these Terms and the Privacy Notice, manage basic account security and sign out.

Where reasonably necessary, we may approve, reject, suspend or restrict an account, or request further information or verification before or after activation.

4 Participation and originality

Every response you submit must be written by you, the account holder, and must reflect your own genuine experience, knowledge, reasoning or opinion.

AI-generated answers are prohibited. You must not submit responses produced wholly or substantially by artificial-intelligence tools, text generators or other automated means and present them as your own. Violations may result in loss of rewards, reversal of rewards already credited, review, restriction, suspension or termination of your account.

You must not submit:

• AI-generated answers presented as your own;
• automatically generated content, or responses created through bots, scripts or unauthorised automation;
• copied or plagiarised material, including content taken from websites, publications or other users;
• spam, nonsense, filler or deliberately padded text;
• fraudulent, fabricated or knowingly false information;
• material intended to manipulate, influence or bypass evaluation or scoring, including instructions directed at an evaluation system;
• duplicate answers, whether repeated from your own earlier submissions or from any other source; or
• content that is unlawful, abusive, hateful, sexually explicit, or that infringes the rights of others.

Depending on the nature and seriousness of a violation, we may apply one or more of the following: a zero reward, reversal of a reward, review of your account, restriction of features, suspension, or termination.

We do not treat the output of an automated detection tool, on its own, as conclusive proof of a violation. Decisions with significant consequences for your account are based on the available evidence and may involve human review.

5 Questions and availability

SINAVEX does not guarantee any particular number of questions, assignments or earning opportunities. Availability depends on factors such as eligibility, platform capacity, service availability, monthly limits and operational decisions.

Questions may be personalised using appropriate, non-sensitive profile attributes, such as a broad age range, province, industry, skills, interests or technology familiarity. Questions are not designed to request passwords, financial account details, government identifiers, exact home addresses or sensitive personal information, and you should not include such information in your responses.

You may skip a question without penalty, subject to platform limits (currently 5 skips per day). Skipped questions do not earn rewards.

6 Automated evaluation

Responses may be analysed and scored using automated systems, including machine-learning and artificial-intelligence systems. Evaluation may consider relevance, usefulness, depth, specificity, clarity, originality and other legitimate quality indicators. The length of a response does not by itself determine its evaluation.

SINAVEX may assign a zero reward to responses that are irrelevant, fraudulent, copied, manipulated, duplicated or otherwise ineligible. A response that is completely unrelated to the question receives no reward.

Automated systems can make mistakes. Where a review process is available, eligible users may request a review of an evaluation within 7 days after it is issued. A review may uphold the original evaluation or result in an adjustment recorded in the platform’s records.

7 Rewards

Rewards are calculated by SINAVEX’s systems and are subject to:

• the quality evaluation of each response;
• the maximum reward per answer (currently ₱20.00);
• the monthly earning limit (currently ₱200.00 per calendar month, Philippine time);
• fraud and risk checks; and
• your account remaining eligible and active.

Most responses do not receive the maximum reward. The maximum is generally reserved for exceptional, comprehensive and high-effort responses. When the monthly limit is reached, no further rewards are issued until the next monthly period.

Reward rates, maximums and limits may be changed prospectively. Rewards that were legitimately accrued will not be removed merely because a future rate or limit changes, except where a reward was issued because of fraud, abuse, duplicate processing, technical error or a violation of these Terms.

Earning opportunities and reward amounts are not guaranteed. SINAVEX Earn is not a source of guaranteed income.

8 SINAVEX Earn Wallet

The SINAVEX Earn Wallet and the balances displayed in your account represent an internal accounting record of eligible rewards you have earned on the platform, including amounts reserved for withdrawals and amounts already paid out.

The SINAVEX Earn Wallet is not a bank account, deposit account, electronic-money account, investment product, interest-bearing account or peer-to-peer wallet. Balances do not earn interest.

You cannot deposit money into the Wallet, transfer balances to other users, receive balances from other users, or use the Wallet to purchase goods or services. The only ways balances change are the crediting of qualifying rewards, withdrawals of eligible available amounts, and documented corrections or adjustments described in these Terms.

9 Withdrawals

You may request a withdrawal of your available balance, subject to:

• the minimum withdrawal amount (currently ₱200.00);
• sufficient available balance;
• your account being active and not under a restriction or risk hold;
• security reviews, including a temporary security hold after certain account changes such as a password, email, mobile number or payout-account change (currently 24 hours);
• a valid destination account at a supported bank or e-wallet;
• the availability of payment providers; and
• any applicable daily or other limits.

When you request a withdrawal, the requested amount is reserved from your available balance and cannot be used for another withdrawal. If a withdrawal definitively fails and will not be retried, the reserved amount is returned to your available balance through a documented ledger entry. A withdrawal is shown as completed only after the payment provider confirms completion.

Withdrawal requests may be reviewed with the assistance of automated systems, including artificial-intelligence tools that consider a summary of account activity. Automated review may approve a withdrawal that meets our requirements; it does not reject, cancel or reverse withdrawals, and any withdrawal that is not approved automatically is reviewed by our team.

Transfers are processed through third-party financial institutions and payment providers, whose processing times and requirements are outside SINAVEX’s control.

You are responsible for providing accurate destination information, including the account holder name and account number. Subject to applicable law, SINAVEX is not responsible for delay or loss caused solely by incorrect destination information you submit.

If a fee is ever charged to you for a withdrawal, the fee and the resulting net amount will be clearly disclosed before you confirm the request.

10 Fraud, holds and reversals

SINAVEX may hold, withhold or reverse rewards, or hold withdrawals, where reasonably supported by evidence of:

• fraud or attempted fraud;
• duplicate credits or duplicate processing;
• use of automation, bots or AI-generated responses;
• account compromise or unauthorised access;
• abuse of the platform, including multiple or shared accounts;
• technical processing errors; or
• other violations of these Terms.

Financial corrections are never made by deleting or silently editing past records. Every adjustment is made through a new, documented ledger entry recording the amount, reason and time.

11 Taxes

You are responsible for determining and meeting any tax, declaration or reporting obligations that may apply to rewards you receive, except where SINAVEX is legally required to withhold or report amounts. SINAVEX does not provide tax advice, and nothing on the platform should be relied upon as a statement of how tax laws apply to your circumstances. Where appropriate, please consult a qualified tax adviser.

12 Data and machine learning

SINAVEX INFORMATION TECHNOLOGY SOLUTIONS collects and processes information provided through SINAVEX Earn for the purposes described in the Privacy Notice.

Subject to applicable law and to your documented consent where consent is required, the information and responses you submit may be used for:

• operating the platform;
• research, analytics and statistical analysis;
• service improvement and product development;
• the development, training, testing and evaluation of machine-learning and artificial-intelligence systems; and
• quality assurance.

Any use of personally identifiable information follows the Privacy Notice and applicable Philippine privacy law, including the Data Privacy Act of 2012 and its implementing rules and regulations.

13 Your content and licence

You retain whatever rights you lawfully hold in the original content you submit. SINAVEX does not claim ownership of your content or of information it does not lawfully own.

By submitting a response, you grant SINAVEX INFORMATION TECHNOLOGY SOLUTIONS a non-exclusive, worldwide, royalty-free, perpetual and sub-licensable (to service providers acting on its behalf) licence to store, reproduce, process, analyse, transform, aggregate, de-identify and otherwise use that response for the platform, research, analytics, product-development and machine-learning purposes described in these Terms and the Privacy Notice, subject to applicable privacy law and the Privacy Notice.

You confirm that you have the right to submit your content and that it does not infringe the rights of any other person.

14 Account security

You are responsible for keeping your password and one-time codes confidential and for activity that occurs through your account. Use a strong, unique password, and never share verification codes with anyone. SINAVEX will never ask for your password or one-time codes through chat, calls or email.

Please notify us promptly if you suspect unauthorised access to your account. You can review and end active sessions from the Security page of your account.

SINAVEX may temporarily restrict an account, require a password change, or pause withdrawals where reasonably necessary to protect you or the platform.

15 Suspension and termination

SINAVEX may suspend or terminate an account for material violations of these Terms, fraud, abuse, security threats, or where required by law. Where appropriate and legally permitted, we will inform you of the action taken.

Where appropriate and legally permitted, SINAVEX retains an auditable record of legitimate balances, adjustments and disputes relating to suspended or terminated accounts. You may also request closure of your account through the Privacy Center in your profile; certain financial, security and legal records are retained as described in the Privacy Notice.

16 No employment relationship

Answering questions or otherwise participating in SINAVEX Earn does not create an employment, agency, partnership or joint-venture relationship between you and SINAVEX. You are not an employee of SINAVEX, you are not entitled to wages or employment benefits by reason of your participation, and you have no authority to act on behalf of SINAVEX.

17 Service availability

SINAVEX works to keep SINAVEX Earn available and reliable, but does not promise uninterrupted or error-free operation. We may modify, maintain, suspend, interrupt or discontinue features, questions or services as reasonably required, including for maintenance, security, legal or operational reasons, or because a third-party service (such as an evaluation or payment provider) is unavailable.

Where a feature is discontinued, legitimately accrued available balances will continue to be handled in accordance with these Terms and applicable law.

18 Limitation of liability

To the extent permitted by applicable law:

• SINAVEX Earn is provided on an “as available” basis, and SINAVEX does not warrant that any particular number of questions, rewards or outcomes will be available to you;
• SINAVEX is not liable for indirect, incidental, special or consequential losses, or for loss of opportunity or anticipated earnings, arising from your use of or inability to use SINAVEX Earn; and
• SINAVEX is not liable for delays or failures caused by events beyond its reasonable control, including failures of third-party financial institutions, payment providers, telecommunications networks or infrastructure providers.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Philippine law, including liability arising from fraud, gross negligence or wilful misconduct, and nothing in these Terms waives any rights you have that cannot be waived by agreement, including your rights under the Data Privacy Act of 2012 and applicable consumer protection laws.

19 Changes to these Terms

SINAVEX may update these Terms from time to time. Each version is identified by a version number. When we make material changes, we will give you appropriate notice, for example through a notice in your account, and where appropriate we will ask you to review and accept the updated Terms before you continue using reward-bearing features.

Changes apply prospectively and do not affect rewards legitimately accrued before the change, except as described in these Terms.

20 Governing law

These Terms are governed by the laws of the Republic of the Philippines, without prejudice to any mandatory consumer protection or data privacy rules that apply to you.

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in effect.

21 Contact

For questions about these Terms, please contact SINAVEX INFORMATION TECHNOLOGY SOLUTIONS using the contact channel provided in your account’s Privacy Center, available from your Profile page after signing in.

For help with using SINAVEX Earn, visit the Help Center.