Privacy Policy and Terms of Service

Privacy Policy 

We are “Pinoy Money Talk” (“PMT”) and our website address is:

Your privacy is of utmost importance to us. Rest assured that any information you provide will only be used in accordance with this privacy statement.

This policy may be updated or changed anytime and we encourage you to review it whenever you visit the site to make sure you understand how any personal information you provide will be used. We recently updated our Privacy Policy and Terms of Service in compliance with the European Union’s General Data Protection Regulation (GDPR).

Cookies and Tracking Technology

Our site may place a small file, called a cookie, on your hard drive to provide you with a better website. These cookies help us operate the site properly, make it more secure, and understand how it performs and where it needs improvement. A cookie does not, in any way, give us access to your computer or to any personally identifiable information about you, other than the data you choose to share with us. It only helps us analyze web traffic or lets web applications respond to you as an individual.

Our authorized third-party advertisers, such as Google Adsense and Amazon Affiliates, may also place and read cookies on your browser or use tracking technology to collect information in the course of serving ads to you. You can choose not to accept these cookies. At any time, you may remove any cookie stored on your hard drive by deleting them in your browser’s settings section.

Collection and Use of Information

Only when voluntarily submitted, we collect personally identifiable information such as name, email address, and your website address, among others. These information are merely used to fulfill a specific request, for example, to post a comment on our blog, to create an account in and to post in the PMT Forum, or to subscribe to our mailing list. All emails and newsletters from our site allow you to opt out of further communications.

  • Comments

When you leave a comment or post on our site, we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

  • Newsletter

We use GetResponse for our newsletter service. Any user may voluntarily sign up to our newsletter by providing explicit and double-opt-in consent by submitting his or her email address and clicking the confirmation link sent to the user’s email address. Please note that our newsletter service collects the individual’s data, such as email address, name, and IP address. You may opt out anytime by clicking the opt-out link.

  • Media

If you upload images to our website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

  • Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, links, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Distribution of Information

We never use or share any of those information in ways unrelated to the ones described above. We do not send spam and we do not sell your information to any company for marketing purposes.

We may, however, share information with government agencies or other companies assisting us in fraud prevention or investigation. We may do so when: (1) permitted or required by law; (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or (3) investigating fraud which has already taken place.

Terms of Service

Please read these Terms of Service (“Terms”, “Terms of Service”, “TOS”) carefully before using the website (the “Service”) operated by Pinoy Money Talk (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Pinoy Money Talk.

Pinoy Money Talk has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Pinoy Money Talk shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

Such sites are not governed by this privacy statement and we cannot be responsible for the protection and privacy of any information you provide to those sites. We strongly advise you to exercise caution and to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.


We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Philippines, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes to the TOS

We reserve the right to modify or replace these Terms at any time. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Information

Your privacy is of utmost importance to us. Rest assured that any information you provide will only be used in accordance with this privacy statement.

Should you have any questions, concerns, or comments about our privacy policy or terms of service, please email us at admin @ 

This policy may be updated or changed anytime and we encourage you to review it whenever you visit the site to make sure you understand how any personal information you provide will be used.