Terms & Conditions
Last updated: June 09, 2026
Welcome to Asenzo Life PH and Asenzo Budget Planner. By accessing or using the Asenzo Life PH website or the Asenzo Budget Planner mobile application, users agree to comply with and be bound by these Terms and Conditions.
1. Acceptance of Terms
By using the website or mobile application, users agree to these Terms and Conditions and all applicable laws and regulations. If users do not agree with these terms, they should not use the website or mobile application.
2. Purpose of Asenzo
Asenzo Life PH provides general financial education, insights, tools, and resources for informational purposes only.
Asenzo Budget Planner is a personal budgeting and financial planning application designed to help users organize budgets, spending plans, financial goals, credit card due dates, and related planning information.
Asenzo does not provide financial, legal, tax, accounting, investment, lending, or professional advice. Users should consult a licensed professional for advice specific to their personal situation.
3. Mobile Application Use
Asenzo Budget Planner is intended as a planning and organization tool. Users remain responsible for their own financial decisions, payments, budgets, subscriptions, debts, and obligations.
Asenzo Budget Planner does not guarantee savings, debt reduction, improved financial outcomes, investment returns, credit approval, or any specific financial result.
The app does not connect directly to bank accounts, financial institutions, investment accounts, or credit card providers. Users manually manage and enter their own financial planning information.
4. Premium Subscriptions
Asenzo Budget Planner may offer optional premium features through Google Play subscriptions.
Subscription purchases, renewals, cancellations, and refunds are handled through Google Play according to Google Play policies. Access to premium features may depend on successful purchase verification and active subscription status.
Users are responsible for managing their subscriptions through their Google Play account.
5. Intellectual Property Rights
All content, branding, text, graphics, logos, images, downloads, app designs, and related materials are the property of Asenzo Life PH unless otherwise stated.
Users may not copy, reproduce, modify, distribute, or use Asenzo content or materials without prior written consent, except where permitted by law.
6. Acceptable Use
Users agree to use the website and mobile application for lawful purposes only and not to engage in any activity that may harm, damage, disrupt, or interfere with Asenzo services, security, or functionality.
Prohibited actions include, but are not limited to:
- Attempting to hack, reverse engineer, abuse, or misuse the website or mobile application.
- Using Asenzo services to transmit spam, malicious content, or harmful code.
- Violating any applicable laws or regulations.
- Using Asenzo content or branding without permission.
7. Affiliate Links, Advertising, and Third-Party Services
Some links on the Asenzo Life PH website may be affiliate links. Asenzo Life PH may earn a commission at no extra cost to users if a purchase is made through these links.
The website may display advertisements to generate revenue.
The website or mobile application may interact with trusted third-party services, such as Google Play and RevenueCat, for subscription and purchase management.
8. Third-Party Links
The Asenzo Life PH website and Asenzo Budget Planner mobile application may contain links to external websites, products, or services.
Asenzo is not responsible for the content, privacy practices, policies, products, services, or availability of third-party websites or services. Accessing third-party resources is at the user’s own risk.
9. Limitation of Liability
Asenzo makes reasonable efforts to provide useful and accurate information, but does not guarantee the accuracy, completeness, reliability, or usefulness of any content, calculation, estimate, feature, tool, or service.
Users are responsible for verifying information and making their own financial decisions.
To the fullest extent permitted by applicable law, Asenzo Life PH shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to the use of the website, mobile application, content, tools, or services.
10. No Professional Advice
All information, educational materials, calculators, budgeting tools, and planning features provided by Asenzo are for general informational and personal planning purposes only.
Nothing provided by Asenzo should be interpreted as financial advice, legal advice, tax advice, accounting advice, investment advice, lending advice, insurance advice, or a recommendation to take any specific financial action.
Users should seek appropriate professional advice before making important financial or legal decisions.
11. Changes to These Terms
Asenzo may update these Terms and Conditions from time to time to reflect improvements to services, legal requirements, or new features.
The latest version will always be available on this page, together with the date of the latest revision.
12. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles.
13. Contact Information
If you have any questions regarding these Terms and Conditions, you may contact Asenzo Life PH through:
Asenzo Life PH
Email: contact@asenzolifeph.com
Website: https://asenzolifeph.com
By continuing to use the Asenzo Life PH website or the Asenzo Budget Planner mobile application, users acknowledge that they have read, understood, and agreed to these Terms and Conditions.