Terms of Use

1. About iKwenta

iKwenta (ikwenta.com) is operated by Ant vs Bear Ltd, a company registered in England and Wales. iKwenta provides free financial calculators, comparison tools, educational guides, and an AI chat assistant for users in the Philippines.

2. Not Financial Advice

iKwenta does not provide financial advice. All information, calculations, comparisons, and AI chat responses are for informational and educational purposes only. They do not constitute financial, investment, tax, legal, or professional advice.

You should always:

• Verify rates and terms directly with the financial product provider before applying
• Consult a qualified financial advisor for personalised advice
• Read the full terms and conditions of any financial product before committing
• Consider your own financial circumstances and risk tolerance

3. Accuracy of Information

We compile data from publicly available sources including the Bureau of Internal Revenue (BIR), SSS, PhilHealth, Pag-IBIG Fund, Bangko Sentral ng Pilipinas (BSP), and individual provider websites. We make reasonable efforts to keep information current but cannot guarantee that all rates, fees, and product details are accurate at the time you view them.

Financial product rates change frequently. The information on iKwenta may not reflect the most recent changes. Always confirm current rates with the provider.

4. Calculator Tools

Our calculators (income tax, salary, 13th month, SSS, PhilHealth, Pag-IBIG, loan, GCash) provide estimates based on published rates and standard formulas. Results are indicative and may differ from actual charges due to:

• Rate changes not yet reflected in our data
• Individual circumstances (employer-specific deductions, tax reliefs, etc.)
• Rounding differences
• Special promotions or penalties applied by providers

5. AI Chat Assistant

The iKwenta AI chat assistant is powered by Anthropic's Claude. It provides general information about financial products and concepts. The AI:

• Is not a licensed financial advisor
• May occasionally provide inaccurate or outdated information
• Cannot access your personal financial data or accounts
• Should not be relied upon for making financial decisions

6. Affiliate Links & Revenue

iKwenta may earn commission through affiliate links when you apply for financial products through our site. This means:

• Some links direct you to third-party provider websites
• We may earn a fee if you apply for or purchase a product through these links
• This does not increase the cost to you
• Our rankings and comparisons are not influenced by affiliate relationships

7. Third-Party Websites

When you click links to financial providers, you leave iKwenta and enter their website. We are not responsible for the content, privacy practices, or terms of third-party websites. Review their policies before submitting personal information.

8. Intellectual Property

All content on iKwenta — including text, tools, design, code, and branding — is the property of Ant vs Bear Ltd unless otherwise stated. You may not reproduce, distribute, or create derivative works without our written permission.

Images from Pexels are used under the Pexels licence with photographer attribution.

9. Limitation of Liability

To the maximum extent permitted by law, Ant vs Bear Ltd shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of iKwenta, including but not limited to financial losses resulting from decisions made based on information provided on this site.

10. Governing Law

These terms are governed by the laws of England and Wales. For users in the Philippines, the Data Privacy Act of 2012 (RA 10173) applies to the processing of personal data.

11. Contact

Questions about these terms? Contact us at: contact@ikwenta.com

iKwenta is a product of Ant vs Bear Ltd.