Terms & Conditions Data Privacy

Terms & Conditions

The rules for using the Hatchiko Portal, Batch Loading and API System — your account, transactions, responsibilities and ours.

Effective October 8, 2026 Applies to Portal Batch Loading API System

1Acceptance of These Terms

These Terms and Conditions ("Terms") govern your access to and use of the Hatchiko Portal, Hatchiko Batch Loading system and Hatchiko API System (each a "System", and together the "Services"), operated by Hatchiko Corporation ("Hatchiko", "we", "us" or "our").

By registering an account, clicking "I agree", uploading a batch file, calling our API, or otherwise using any System, you confirm that you have read, understood and agree to be bound by these Terms and by our Data Privacy Policy. Electronic acceptance has the same legal effect as a signed written agreement under the Electronic Commerce Act of 2000 (Republic Act No. 8792).

If you do not agree to these Terms, do not register for or use the Services.

2Definitions

Account
The user, reseller, corporate or developer account issued to you to access a System.
Client / you
The individual or entity that registers for or uses the Services, including its authorized users.
Wallet
The prepaid load credit held in your Account and used to pay for Transactions. The Wallet is not a cash or e-money account: it earns no interest and cannot be withdrawn as cash.
Transaction
Any request to deliver prepaid load, a product or a fund transfer, whether made through the Portal, a batch file or an API call.
Recipient
The mobile subscriber or account that receives the load or product in a Transaction.
Batch File
A CSV or text file uploaded to Batch Loading containing multiple Transactions.
API Credentials
The tokens, keys, user IDs and whitelisted IP addresses issued to you for the API System.
Provider
A telecommunications, content or payment partner (such as Smart, TNT, Cignal, PLDT, Maya or QRPh) whose network or product fulfils a Transaction.

3Eligibility & Registration

  • You must be at least 18 years old and legally capable of entering into binding contracts under Philippine law.
  • If you register on behalf of a company or organization, you confirm that you are authorized to bind it to these Terms.
  • You must give accurate, current and complete information during registration and keep it up to date.
  • Portal registration needs no KYC or government ID — only your basic contact details. For Batch Loading and API accounts, we may ask for business details during onboarding.
  • We may approve, decline or limit any registration at our discretion.

4Account & Credential Security

  • Keep your password, PIN, OTPs and API Credentials confidential. Do not share them with anyone, including people claiming to be Hatchiko staff — we will never ask for your password or PIN.
  • You are responsible for all Transactions made through your Account or with your API Credentials, whether or not you personally authorized them, until you report a compromise to us.
  • Report any unauthorized access, lost device or suspected credential leak to helpdesk@hatchicorp.com immediately so we can suspend the Account or revoke credentials.

5System-Specific Terms

In addition to the general Terms, the following rules apply to each System you use.

Hatchiko PortalReseller web portal

  • Registration as a reseller is free. Discounts (currently up to 2.5%) and Network Leader earnings (currently 1% from downlines) follow the program tier in force when a Transaction is made.
  • You may recruit and manage downline resellers. You must not make false income claims or misrepresent Hatchiko or its Providers when recruiting.
  • Wallet top-ups through Maya, QRPh, e-wallets or banks are credited once the payment is confirmed by the payment channel.
  • Fund transfers between Portal accounts are final once confirmed. Check the receiving account before you send.
  • Rebates and commissions are shown in real time but may be adjusted if the underlying Transaction is reversed, erroneous or fraudulent.

Hatchiko Batch LoadingBulk file loading

  • Batch Files must use the CSV or text format and templates we provide. Rows that do not match the format may be rejected or skipped.
  • You are solely responsible for the contents of every Batch File — including Recipient numbers, products and amounts. We process the file exactly as uploaded.
  • Your Wallet must hold enough balance for the batch. Rows that cannot be paid for will not be processed.
  • Processing speeds such as up to 120 loads per minute are typical, not guaranteed, and depend on Provider availability.
  • Review the batch result report after processing. Failed rows are not re-sent automatically; resubmit only the failed rows to avoid double loading.
  • You confirm that you are authorized to send load to every Recipient in your Batch Files (for example, your employees or members).

Hatchiko API SystemSystem-to-system integration

  • API access is granted only after onboarding. API Credentials are issued to you alone and must not be shared, resold or embedded in public or client-side code.
  • Requests are accepted only from your whitelisted IP addresses using token-based authentication. Tell us before your server IPs change.
  • If a request times out or its result is unknown, check the Transaction status before retrying. We are not liable for duplicate loads caused by retries made without a status check.
  • We may apply rate limits, and may throttle or suspend traffic that threatens platform stability or security.
  • We may update the API, endpoints or documentation. We will give reasonable notice of changes that are not backwards-compatible, except where an urgent security fix is needed.
  • You are responsible for the systems and apps you build on the API, and for how you present our Services to your own customers.

6Transactions, Pricing & Refunds

  • All Transactions are final once processed. Load delivered to a Recipient generally cannot be reversed by Hatchiko or the Provider.
  • Always verify the Recipient number, product and amount before confirming, uploading or sending a Transaction.
  • Prices, discounts, denominations and available products may change without prior notice, subject to Provider terms.
  • Where a Transaction fails, the deducted amount is returned to your Wallet once the failure is confirmed by the Provider.
  • Other refund requests are reviewed case by case and are subject to the policies of the relevant Provider or payment channel. Report disputed Transactions within seven (7) days together with the reference number.

7Prohibited Use

You agree not to use any System to:

  • Commit fraud, launder money, or fund any unlawful activity;
  • Send load to Recipients without authority, or use personal data you are not allowed to use;
  • Gain or attempt unauthorized access to our systems, other Accounts or Provider networks;
  • Interfere with, overload, scrape or probe the Portal, Batch Loading or API infrastructure;
  • Resell, sublicense or share access to the Services except as expressly allowed;
  • Copy, modify or reverse engineer any part of the Services.

We may hold or reverse suspicious Transactions, freeze Wallet balances under investigation, and report unlawful activity to the authorities.

8Intellectual Property

The Services, including software, API specifications, documentation, designs, trademarks and logos, are owned by or licensed to Hatchiko Corporation and are protected by law. We grant you a limited, non-exclusive, non-transferable and revocable right to use the Services for your lawful business purposes during your Account's term. Provider names and logos belong to their respective owners.

9Service Availability & Disclaimers

The Services are provided on an "as is" and "as available" basis. We work to keep every System running, but we do not guarantee uninterrupted or error-free operation. Transactions depend on Provider and payment networks that are outside our control, and may be delayed or fail because of their downtime or maintenance.

We may carry out scheduled maintenance and will try to announce it in advance where practical.

10Limitation of Liability

To the extent allowed by law, Hatchiko is not liable for indirect, incidental, special or consequential losses, or for lost profits, revenue, data or goodwill. We are not liable for losses caused by incorrect details you supplied, by misuse of your credentials, or by Provider outages.

Our total liability for any claim is limited to the fees you paid to us for the affected System in the three (3) months before the event giving rise to the claim. Nothing in these Terms limits liability that cannot be limited under Philippine law.

11Suspension & Termination

We may suspend or terminate your access to any or all Systems, or revoke API Credentials, if you breach these Terms, if we suspect fraud or a security risk, or if required by law or a Provider. You may close your Account at any time by contacting us. Sections that by their nature should survive termination will continue to apply.

12Changes to These Terms

We may update these Terms from time to time. The new version takes effect when posted on this page, and the effective date above will change. For material changes we will also notify you through the Portal, by email, or through the API developer channel. Continuing to use the Services after the effective date means you accept the updated Terms.

13Governing Law & Disputes

These Terms are governed by the laws of the Republic of the Philippines. We encourage you to contact us first so we can try to resolve any concern informally. Disputes that cannot be settled are subject to the exclusive jurisdiction of the proper courts of Batangas, Philippines, without prejudice to remedies available under data-privacy or consumer-protection laws.

14Contact Us

For questions about these Terms or any System, reach our support team:

Email
helpdesk@hatchicorp.com
Phone
0939-901-9200(02) 8645-7312
Office

Brgy. Mataasnakahoy, Batangas, Philippines