These Terms and Conditions ("Terms") govern your access to and use of the Orbit Flow platform and services ("Service") provided by Orbit Flow ("we", "us", or "our"). By signing up for or using the Service, you agree to be bound by these Terms.
I. Service Overview
Orbit Flow is an AI-powered debt recovery platform that enables lender-clients to manage overdue account recovery through automated, multichannel borrower outreach. The Service includes borrower profiling, AI-driven communication via SMS, email, Viber, and voice, repayment processing, and recovery analytics.
The Service is provided to registered lending and financing companies ("Lender-Clients") who upload borrower account data to the platform. Orbit Flow operates as a technology vendor — not a collection agency or third-party service provider.
II. Eligibility
To use the Service, Lender-Clients must:
- Be a duly registered lending or financing company with the Securities and Exchange Commission (SEC).
- Have the legal authority to collect on the overdue accounts uploaded to the platform.
- Ensure that borrower data uploaded to the platform was collected in compliance with the Data Privacy Act of 2012 and that the lender's privacy notice covers the use of third-party collection technology.
Any misrepresentation of eligibility or misuse of the Service may result in suspension or termination of access.
III. Registration and Account
To use the Service, Lender-Clients must register on the Orbit Flow platform and provide required information including company name, business registration details, contact person details, and billing information.
You are responsible for maintaining the security of your account credentials. You must notify us immediately if you become aware of any unauthorized use of your account.
You must ensure that all information submitted is complete, accurate, and current. Incomplete or inaccurate information may affect our ability to deliver the Service.
IV. Data Privacy
By using the Service, you acknowledge and agree to the collection, use, processing, and storage of data as described in our Privacy Policy.
Lender-Clients are responsible for ensuring that borrower data uploaded to the platform was collected with appropriate consent and in compliance with the Data Privacy Act of 2012.
Orbit Flow processes borrower data on behalf of Lender-Clients for the sole purpose of delivering the Service. We implement appropriate organizational, physical, and technical measures to protect data, including encryption, access controls, and regular security assessments.
Borrower data subject rights (access, correction, objection, erasure, portability) are handled in accordance with our Privacy Policy. Lender-Clients agree to cooperate with Orbit Flow in responding to any data subject requests received.
In the event of a data breach, affected parties will be notified within seventy-two (72) hours from discovery, as required by the Data Privacy Act.
For data privacy concerns, contact us at hello@orbitflow.ph.
V. Service Fees
Use of the Service is subject to fees as agreed in the service agreement between Orbit Flow and the Lender-Client. Fees may include:
- A success fee calculated as a percentage of amounts recovered through the platform.
- A monthly subscription fee for platform access.
- A per-account processing fee.
The applicable fee structure will be specified in the service agreement. Lender-Clients will be informed of all applicable fees before the Service commences. Fees are non-refundable except where the Service was not delivered due to an error attributable to Orbit Flow.
VI. Use of the Service
Lender-Clients upload overdue borrower accounts to the platform via CSV or API integration. Orbit Flow's AI engine analyzes each account, determines the optimal collection strategy, and initiates outreach on behalf of the Lender-Client.
Orbit Flow handles borrower communications in compliance with SEC MC 18-2019, SB 1744 (Fair Debt Collection Practices Act), and the Data Privacy Act. All communications identify the Lender-Client and disclose that the contact is made on their behalf.
Accounts that require human judgment — including settlement negotiations or disputes — are escalated to the Lender-Client's designated team.
Orbit Flow reserves the right to modify the Service and related processes with prior notice to Lender-Clients.
VII. Compliance
Orbit Flow is designed to comply with Philippine collection regulations. However, Lender-Clients remain responsible for ensuring that their use of the platform complies with all applicable laws and regulations, including but not limited to SEC MC 18-2019, SB 1744, the Data Privacy Act, and applicable BSP circulars.
Lender-Clients must not use the Service to collect amounts not owed under a valid loan agreement, contact persons other than the borrower, or engage in any practice prohibited by applicable law.
VIII. Term and Termination
The Service remains available for the duration specified in the service agreement between Orbit Flow and the Lender-Client.
Either party may terminate the service agreement in accordance with its terms. Orbit Flow may also suspend or terminate access immediately if:
- The Lender-Client violates these Terms.
- The Lender-Client's SEC registration is revoked or suspended.
- The Lender-Client provides false or misleading information.
- The Lender-Client uses the Service in a manner that violates applicable law.
Upon termination, the Lender-Client will no longer have access to the platform. Any outstanding fees remain payable. Borrower data will be retained or deleted in accordance with our Privacy Policy and applicable data retention requirements.
IX. Limitations of Liability
Orbit Flow is not liable for delays or failures in processing caused by technical issues, incorrect data provided by the Lender-Client, borrower non-responsiveness, or other factors beyond our reasonable control.
Orbit Flow does not guarantee specific recovery rates or outcomes. Recovery performance depends on factors including data quality, borrower circumstances, and market conditions.
To the maximum extent permitted by law, Orbit Flow's total liability under these Terms shall not exceed the fees paid by the Lender-Client in the twelve (12) months preceding the claim.
X. Dispute Resolution
These Terms are governed by the laws of the Republic of the Philippines.
Any dispute arising out of or in connection with these Terms shall be resolved exclusively under the jurisdiction of the courts of Quezon City, Philippines. The parties submit to the exclusive jurisdiction of the said courts.
XI. Contact Us
For questions, concerns, or assistance regarding the Service, contact us at hello@orbitflow.ph.
XII. General
No joint venture, partnership, employment, or agency relationship exists between you and Orbit Flow as a result of these Terms or use of the Service.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Orbit Flow may update these Terms from time to time. The current version will always be available on our website. Continued use of the Service after changes constitutes acceptance of the updated Terms.
XIII. Acceptance
By registering for and using the Orbit Flow platform, you confirm that you have read, understood, and agreed to these Terms.