Terms and Conditions

By accessing the ERRIHO Portal, you agree to the following terms governing your in-house financing account:

1. Payment Obligations

Users are expected to settle their outstanding balances on or before the Due Date shown on the dashboard. The system automatically updates your balance and "Credit Rating" based on your payment behavior.

2. Late Payment Penalties

3. Automated Payment Reminders

To help you maintain a good credit rating and avoid late penalties, the ERRIHO Portal uses an automated notification system. By using this service, you agree to receive reminders through SMS, Email, and Facebook Messenger based on the following schedule:

• Pre-Due Reminders: Sent 10, 7, 3, and 1 day(s) before your scheduled due date.
• Due Date Notice: Sent on the actual day of your payment deadline.
• Overdue Notifications: If the balance remains unpaid after the due date, daily reminders will be sent until the account is settled or updated.

Note: Standard network provider charges for SMS may apply. You cannot opt-out of these functional reminders as they are essential for managing your financial obligations.

4. Session & Security

For your protection, the portal uses an Auto-Logout feature. Sessions expire after 1 minute of inactivity. You are responsible for any transactions made while your account is logged in.

5. Full Settlement and Data Retention

Once an account is "Fully Settled," the following policies shall apply:

• Certificate of Full Payment: The system will automatically send a confirmation email and an official Certificate of Full Payment as proof of your successful settlement.
• 30-Day Decision Window: Your account will remain in "On-Hold" status for thirty (30) days. During this period, you may apply for a new installment plan without the need to resubmit your supporting documents.
• Automatic Data Deletion: After 30 days of inactivity (no new application), all "Sensitive Documents" submitted (IDs, Photos, Proof of Income) will be permanently deleted from our servers for your security and data protection.
• Account Re-activation Eligibility:
  • Credit Rating 51% and Above: You remain ELIGIBLE. You may apply for new services, but you will be required to submit updated documents as your previous files have been purged for security.
  • Credit Rating 50% and Below: Your account will undergo PERMANENT TERMINATION. Due to your previous payment history, you will no longer be eligible to avail of any future services from ERRIHO.

6. Credit Rating System

Your "Credit Rating" is a digital representation of your reliability. A rating below 50% (At Risk) may lead to Account Suspension and disqualification from future installment plans at Flavi Deal.

7. Accuracy of Records

While the portal is system-generated, discrepancies may occur. In case of conflict, the official ledger maintained by ERRIHO Personal Finance shall prevail. Please contact us via Messenger or Email for disputes.

Need Further Assistance?

If you have questions regarding our Terms of Service, or if you need help with your account and installment plan, we are here to assist you. You can find detailed guides in our support center: