Makati is the owner-approved business location, not a complete registered office or address for service of legal documents. A full registered address has not been supplied for publication.
Business registration identifiers are not published at the owner’s request. This omission does not mean the business is unregistered.
The owner confirms that Fu-Lu is a registered payment gateway business in the Philippines. Its BSP application for its payment gateway activities is under review, not an issued licence, approval, or endorsement.
The essentials
A short overview, not a substitute for the complete terms below.
Use accurate information, protect your account, and only use the platform for lawful purposes.
Review the recipient, amount, fees, and exchange rate before authorising any supported transaction.
Never send passwords, one-time codes, private keys, or complete payment-card details through a contact message.
Your mandatory consumer and privacy rights are not waived by these terms.
1. About Fu-Lu and its current status
“Fu-Lu” is the platform and business brand operated by Fu-lu payment services, the exact registered legal name confirmed by the owner. References to “we”, “us”, or “our” mean that operator. The owner-approved business location is Makati, Philippines, and the public legal contact is support@fulu.services. Business registration identifiers are not published at the owner’s request; a complete registered office address has not been supplied for publication. Its BSP application relating to payment gateway activities is currently under review, not an issued licence or endorsement.
Business registration and a pending BSP application do not by themselves establish that Fu-Lu is a bank, an electronic-money issuer, a licensed remittance business, or authorised for every financial activity shown on the website. No BSP approval, endorsement, or deposit-insurance protection is represented by this page. A feature requiring regulatory authorisation must only be offered when the necessary authorisation applies, with the responsible provider and relevant conditions disclosed.
Demonstration balances, sample transactions, feature previews, and marketing illustrations are not proof that money has been received, safeguarded, insured, or transferred. Do not deposit real funds or supply real payment credentials in a demonstration or test environment.
2. Scope and acceptance
These draft terms explain the intended rules for accessing the Fu-Lu website, creating an account where available, and interacting with support. Please read them alongside the Privacy Policy and any specific notices shown for the feature you use.
Where a binding agreement is required, you must be given the final terms and an opportunity to accept them before the relevant service begins. Viewing this website does not authorise undisclosed charges or constitute consent to a future financial product. Commercial financial services must not be launched on the basis of this draft alone.
Additional merchant, agent, card-provider, or payment-provider agreements may apply only when they are disclosed to you and accepted where required. They do not remove rights that applicable law makes mandatory.
3. Eligibility and account information
Account-based financial features are intended for adults who are at least 18 years old and otherwise legally able to enter the relevant agreement. If the law or a service provider requires a higher age or additional eligibility conditions, those conditions apply. Do not register on behalf of another person or business without authority.
Provide accurate, current information and update important changes.
Only use identities, contact details, accounts, and payment methods you are authorised to use.
Do not sell, rent, lend, or transfer an account to someone else.
Business representatives must have authority to act for the business they represent.
4. Identity checks and lawful use of financial features
Where an authorised service requires identity, business, source-of-funds, sanctions, or anti-fraud checks, access may depend on completing those checks. The information requested must be relevant to the service and handled in accordance with applicable privacy obligations.
Verification is not a guarantee that every transaction or counterparty is safe. Do not submit altered documents, impersonate another person, conceal a transaction’s purpose, or use the platform to evade a lawful restriction. Sensitive verification documents should only be submitted through a designated secure process, not through the general contact form.
5. Account security and suspicious activity
Choose a strong, unique password, enable available security controls, keep your contact details current, and sign out of shared devices. Never disclose a password, one-time code, recovery credential, or private key to another person, including someone claiming to provide support.
Report a lost device, suspected account compromise, unfamiliar transaction, or phishing attempt promptly through the Contact Us page or an authenticated support channel. Include enough information to locate the issue, but do not include secret credentials or complete payment-card details.
Responsibility for an unauthorised transaction depends on the facts, the applicable service agreement, and the law. The mere use of a password or device does not automatically make you responsible for every loss or remove any right to an investigation or remedy.
6. Features, availability, and third-party providers
The platform may display wallet, QR-payment, transfer, merchant, agent, or card-related features. A displayed feature is not a promise that it is available, authorised, or suitable in every location. Only use a real-money feature after its responsible provider and applicable terms have been disclosed.
Banks, card networks, payment processors, telecommunications providers, and other independent services may have their own eligibility rules, charges, processing times, and agreements. Their involvement does not by itself mean they endorse Fu-Lu. Links to external services should be reviewed before you provide information or authorise a payment.
Website content is general information, not personalised financial, investment, tax, or legal advice. No investment return, uninterrupted access, or risk-free transaction is guaranteed.
7. Transaction instructions, fees, and exchange rates
Before authorising any supported transaction in a properly enabled service, check the recipient, destination, currency, amount, fees, exchange rate, and expected total. Applicable charges and material conditions must be disclosed before you commit; marketing statements do not replace the actual transaction quote.
Confirm the recipient independently, particularly when scanning an unfamiliar QR code or following a payment link.
Only submit instructions you intend and are authorised to make.
Keep the confirmation or reference number and check the transaction status.
Do not assume a payment has completed solely because a request was submitted or a screen showed a preview.
A submitted instruction may be declined, delayed, or reviewed for a genuine security, legal, technical, or provider-related reason. No recurring subscription or automatic renewal is authorised simply by accepting website terms; any such arrangement would require its own clear disclosure and appropriate consent.
8. Errors, cancellations, refunds, and disputes
If a payment appears incorrect, duplicated, unauthorised, delayed, or sent to the wrong recipient, contact the responsible service provider and Fu-Lu promptly. Provide the date, reference number, amount, and a description of the problem without sharing sensitive credentials.
A completed payment may not be technically reversible on request. That does not create a blanket “no refunds” rule or remove rights relating to errors, unauthorised payments, failed services, or other remedies required by law. Eligibility and timing depend on the relevant facts, payment method, provider rules, and applicable law.
Any published refund information must be read consistently with mandatory legal rights. A pending or incomplete refund-policy page is not a waiver of those rights. Nothing in these terms prevents a legitimate card-network dispute, complaint, or claim.
9. Acceptable use and prohibited conduct
Use Fu-Lu responsibly and only for lawful purposes. Do not use the website, an account, an API, or a support channel to:
Commit fraud, impersonate someone, run a scam, launder money, or facilitate other unlawful activity.
Use stolen credentials, forged documents, or payment methods without permission.
Upload malware, executable scripts, malicious database input, or material intended to compromise another system.
Probe for unauthorised access, steal information, disrupt availability, or interfere with another person’s use.
Evade rate limits, bot checks, verification requirements, or other reasonable security controls.
Copy or exploit protected content or personal information in violation of applicable rights or law.
10. Contact messages and abuse prevention
Contact inquiries are currently limited to two submission attempts per rolling hour per browser. Invalid submissions can count toward this allowance. Additional network limits, validation, and optional bot challenges help reduce automated abuse. Browser identifiers are not proof of a person’s physical device or identity.
If a request is temporarily blocked, follow the displayed waiting period rather than repeatedly resubmitting it. Different public forms can have separate allowances. Do not include passwords, one-time codes, private keys, full card numbers, or documents that should be submitted through a secure verification flow.
Security controls may be adjusted reasonably to address misuse. A blocked form does not remove your legal rights or suspend a statutory deadline. If a provider offers another verified complaint or security channel, use that channel for urgent issues where available.
11. Content, intellectual property, and your submissions
You retain the rights you have in information and material you submit. You must have the authority to provide it. Submission does not transfer ownership to Fu-Lu; it permits the processing reasonably needed to operate the requested feature, provide support, protect the service, and comply with applicable obligations.
Fu-Lu branding, original website material, and software are protected to the extent provided by law and any applicable licences. Third-party material remains subject to its owner’s rights. You may not misrepresent affiliation with Fu-Lu or remove ownership notices in a way that violates those rights. Statutory exceptions and rights under an applicable open-source licence are not excluded.
12. Personal information and record retention
Personal information must be handled in accordance with applicable Philippine privacy law, including Republic Act No. 10173, the Data Privacy Act of 2012, where applicable. The Privacy Policy provides further information about the information collected and its use; these terms do not replace a required privacy notice or consent.
Depending on the circumstances and the law, you may have rights to information, access, correction, objection, and other remedies. You can use the Contact Us page to ask about the handling of your information. A request to close an account or delete information does not require deletion of records that must lawfully be retained, but retention must have a valid purpose and appropriate safeguards.
The publication of this document is not a certification of regulatory registration, privacy compliance, or information-security accreditation.
13. Maintenance, restrictions, and service changes
Features can be unavailable during maintenance, network interruptions, security incidents, or third-party outages. Material changes and planned restrictions should be communicated where reasonably practicable. No particular uptime or response-time commitment is created unless it is expressly agreed for the relevant service.
Access may be restricted when reasonably necessary to investigate suspected misuse, protect users, or comply with a lawful requirement. Where permitted, the reason and a way to request review should be provided. A restriction must not be used to confiscate lawful funds or avoid a valid obligation. Necessary access to records, complaint handling, and treatment of any legitimate balance remain subject to applicable law.
14. Responsibility and mandatory consumer protections
Each party remains responsible for its obligations under applicable law. To the extent legally permitted, responsibility for losses depends on causation, foreseeability, reasonable mitigation, and the relevant service agreement. There is no promise that all risks of using digital services can be eliminated.
Nothing in this document excludes liability for fraud, wilful misconduct, gross negligence, or any duty, loss, or remedy that cannot lawfully be excluded. No term limits the return of money legally owed to you to an arbitrary nominal amount or to the amount of fees you paid.
Mandatory consumer protections, privacy rights, rights concerning unauthorised transactions, and lawful routes to redress remain available. If a clause conflicts with a mandatory protection, that protection prevails. You are not required by this draft to indemnify Fu-Lu for its own unlawful conduct.
15. Stopping use and account closure
You may stop using the website and request account closure through available account controls or the Contact Us page. Any identity confirmation must be proportionate to protecting the account. Pending transactions and legitimate outstanding obligations may need to be resolved before closure is complete.
Closing an account does not automatically reverse a payment, erase a lawful claim, remove a required record, or extinguish an obligation to return money. Any remaining legitimate balance must be addressed through the responsible provider and the applicable legal process, not forfeited merely because an account is closed.
16. Complaints, applicable law, and disputes
Philippine law is the intended governing framework for these draft terms, subject to any mandatory law that applies to you. The responsible legal operator is Fu-lu payment services. Any appropriate jurisdiction or venue clause and the remaining unpublished operator details require legal review before a final commercial agreement is issued.
For a concern about Fu-Lu, use the Contact Us page and identify the subject of your complaint, relevant dates, and any transaction reference. Keep a copy for your records. Responses and remedies must take account of applicable legal duties and any properly disclosed provider complaint process.
Contacting us first is encouraged where appropriate, but this draft does not require mandatory private arbitration, waive a right to approach a competent court or relevant authority, or shorten a statutory complaint period. Any regulator’s jurisdiction depends on the actual operator and service. Fu-Lu’s BSP application remains under review; this document must not be read as confirmation that the application has been approved or a licence issued.
17. Updates and interpretation
An updated version will identify its revision date. Material changes to a final service agreement must be communicated and accepted where the law requires; merely posting a new version must not be used to impose undisclosed charges, apply changes retrospectively, or remove rights that have already accrued.
This draft is currently available in English as the reference text, including on pages whose navigation is translated. A later translation should be identified as such. Interpretation remains subject to applicable law. If one provision is invalid, the remaining provisions continue only to the extent they can lawfully and fairly operate independently.
18. Questions about these terms
Contact Fu-lu payment services at support@fulu.services or use the Contact Us page for questions, corrections, privacy concerns, or requests for further legal operator details. Clearly identify the topic as “Terms”, “Privacy”, “Security”, or “Complaint” so it can be reviewed appropriately.
The owner has approved the legal name, city-level business location, and public contact shown above. Registration identifiers are omitted at the owner’s request, and Makati alone is not a complete registered address or an address for service of legal documents. No identifier or street address has been invented. The remaining details and legal review are needed before final commercial terms are issued. Any later BSP authorisation must be described accurately by its actual scope and status.