Tsikot.com - Terms and Conditions

What Tsikot.com Is

Tsikot.com is an online automotive marketplace and lead-generation platform that helps buyers discover vehicles, compare options, and connect with dealers and financing partners.

Tsikot.com is not a vehicle dealer, lender, financial service provider, or agent of any dealer or lender.

Any purchase or financing transaction is entered into solely between you and the relevant dealer or lender under their own terms.

Vehicle Listings

Vehicle prices, specifications, availability, and promotional offers displayed on Tsikot.com are provided by independent dealers or sellers.

Tsikot.com does not guarantee:

• The accuracy or completeness of any listing
• That a vehicle is available at the price shown
• That any promotion remains valid

Users should confirm details directly with the dealer before making any purchase decision.

Loan Calculator and Financing

Monthly payment estimates displayed on Tsikot.com are provided for illustrative purposes only and do not constitute a loan offer, pre-approval, or commitment to lend.

Actual loan terms - including interest rates, fees, and repayment schedules - are determined solely by SALMON FINANCE INC., a licensed financing company in the Philippines.

Before any loan agreement is finalized, the lender will provide a Disclosure Statement in accordance with the Philippine Truth in Lending Act (RA 3765).

Tsikot.com acts solely as a distribution channel for inquiries and is not responsible for:

• Loan approval or denial decisions
• Changes in rates or terms between estimates and final offers
• Any collection or enforcement actions by the lender

Submitting Your Details

By submitting an inquiry or using the loan calculator, you confirm that:

• The information you provide is accurate and belongs to you
• You are at least 18 years old
• You consent to your details being shared with relevant dealers or financing partners in order to respond to your request

You may withdraw consent at any time by contacting us at [email protected].

Acceptable Use

Users must not:

• Submit false or fraudulent inquiries
• Attempt to misuse the platform
• Interfere with platform functionality
• Scrape or extract platform data without permission

Tsikot.com may restrict or suspend access if misuse is detected.

Liability

Tsikot.com is not liable for:

• Inaccuracies in dealer listings
• Differences between loan estimates and final lender terms
• Decisions made by dealers or lenders
• Transactions conducted between users and third parties

Nothing in these Terms limits liability that cannot be excluded under applicable law.

Intellectual Property

All platform content, including text, design, software, and logos, is owned by or licensed to Tsikot.com.

Vehicle brand names and trademarks belong to their respective manufacturers and are used solely for identification purposes.

You may not copy, scrape, or reproduce any part of the platform without prior written consent.

Changes to These Terms

Tsikot.com may update these Terms from time to time. Continued use of the platform after changes are published constitutes acceptance of the updated Terms.

Governing Law

These Terms are governed by the laws of the Republic of the Philippines. Any disputes shall be subject to the jurisdiction of Philippine courts.