Legal
These terms describe how Pagawa bookings, listings, payments, disputes, and user accounts work across the platform.
These Terms and Conditions govern access to and use of Pagawa, including the website, mobile-friendly web app, and any related tools operated under the pagawa.com.ph domain.
By creating an account or otherwise using Pagawa, you agree to be bound by these Terms. If you are using Pagawa on behalf of a business, you confirm you have the authority to accept these Terms on that business's behalf.
Pagawa is an online marketplace that connects Requesters, who need a job or service done, with Experts, who offer the skills to do it.
There are two ways to arrange work on Pagawa: a Requester can post a Task describing what they need and review Offers submitted by Experts, or a Requester can book directly from a Service listing an Expert has already published at a fixed price.
Pagawa is not a party to the work arranged between a Requester and an Expert. Pagawa provides the platform, payment handling, and dispute support described in these Terms, but the underlying service is delivered by the Expert.
A Requester may post a Task describing the work, budget, and location, and may edit or withdraw that Task at any point before accepting an Offer.
Once a Requester accepts an Offer, or completes checkout on a Service listing, an order is created and the agreed amount is charged and held by Pagawa's payment processor until the order is completed, cancelled, or resolved through the dispute process described in Section 9.
Requesters are responsible for giving Experts the information they reasonably need to carry out the work, and for reviewing an Expert's listing, offer, and any verification badges before booking.
An Expert may submit an Offer on a posted Task, or publish a Service listing that Requesters can book directly. An Offer may be withdrawn at any time before it is accepted.
Experts are responsible for holding any licenses, registrations, and skills needed to lawfully provide the services they list, and for complying with applicable Philippine tax and consumer protection obligations.
Experts are expected to carry out accepted work personally and to the standard described in their listing or offer, unless the Requester has clearly agreed otherwise.
Pagawa charges a platform fee to Requesters and a separate service fee to Experts for the use of the marketplace. Current fee rates are shown during checkout before an order is confirmed and may be updated from time to time.
Posting a Task or publishing a Service listing is free. Fees apply only once a booking is made.
Published fees are inclusive of applicable VAT unless stated otherwise.
Payments on Pagawa are processed through PayMongo, a licensed payment gateway operating in the Philippines, which handles GCash, Maya, and card payments on Pagawa's behalf. Pagawa does not store full card, e-wallet, or bank account credentials on its own systems.
When a Requester pays for an order, the amount is held by PayMongo on Pagawa's platform account until the order is completed or otherwise resolved under these Terms.
If Pagawa changes its payment provider, or if a provider's own terms apply to a particular transaction, you may be asked to accept updated payment terms before continuing to use the affected payment method.
Once an Expert has started work, they can mark the order as done. The Requester then reviews the work and confirms completion, which releases the held payment to the Expert, minus the applicable Expert service fee.
If a Requester does not believe the work was completed as agreed, they can raise a dispute instead of confirming completion, as described in Section 9.
An order may be cancelled before it is completed by either the Requester or the Expert, or by Pagawa where these Terms or applicable law allow it. When an order is cancelled, the amount held for that order is refunded to the Requester, and any fee treatment specific to the cancellation will be shown in the cancellation confirmation.
Refunds are returned to the original payment method where possible. Pagawa may take a reasonable amount of time to process a refund once a cancellation or dispute outcome is confirmed.
For full detail on how and when refunds are issued, see the standalone Refund Policy.
If a Requester or an Expert disagrees about whether an order was completed properly, either party can open a dispute on that order instead of, or after, confirming completion.
Once a dispute is open, the amount held for that order stays with PayMongo while the dispute is reviewed. Both parties can submit evidence, such as messages, photos, or descriptions of the work.
Pagawa will review the evidence submitted and decide, at its reasonable discretion, whether to release the held payment to the Expert, refund it to the Requester, or split it between the two based on what the evidence supports.
Users are encouraged to try to resolve disagreements directly first. Nothing in this section stops either party from pursuing other legal remedies available to them.
For the full process, including evidence requirements and timelines, see the standalone Dispute Resolution Policy.
Pagawa may offer identity and background checks for Experts, including checks based on documents such as an NBI clearance, and may display a badge on an Expert's profile where a check has been completed.
A verification badge reflects the outcome of a check at a point in time. It is not a guarantee of an Expert's conduct after the badge is issued, and Pagawa may revoke a badge if the underlying information is found to be inaccurate or if an Expert breaches these Terms.
Experts are responsible for the accuracy of any document or information submitted for verification.
You keep ownership of the text, photos, and other content you upload to Pagawa, such as listing descriptions, profile photos, and reviews.
By submitting content to Pagawa, you give Pagawa a non-exclusive, royalty-free license to display, reproduce, and distribute that content on the platform for the purpose of operating and promoting the marketplace.
You are responsible for making sure you have the rights to any content you submit, and for its accuracy.
You may close your Pagawa account at any time, unless you have an order in progress; in that case, complete, cancel, or resolve it first. Pagawa may suspend or terminate an account where it reasonably believes these Terms have been breached, or where required by law.
Closing or terminating an account does not cancel an order that is already in progress; that order continues to be governed by these Terms until it is completed, cancelled, or resolved through the dispute process.
Provisions of these Terms that are intended to apply after an account is closed, such as fee obligations already incurred and dispute outcomes, continue to apply.
Pagawa provides the marketplace platform on an as-available, as-is basis and does not guarantee that a Task will receive offers, that a Service listing will be booked, or that any user will perform as described.
Beyond the checks described in Section 10, Pagawa does not independently verify the accuracy of information users provide about themselves, and does not guarantee the identity, qualifications, or suitability of any Requester or Expert. Users are responsible for exercising their own judgment when deciding whether to work with another user.
Using Pagawa does not create an employment, agency, or partnership relationship between Pagawa and any user, or between a Requester and an Expert. Pagawa is not a party to the services agreed between a Requester and an Expert, and is not liable for how those services are performed.
To the extent permitted by Philippine law, Pagawa's liability for any claim arising from an order is limited to the amount actually paid for that order, except where the law does not allow such a limit.
Pagawa may update these Terms from time to time to reflect changes to the platform, applicable law, or how the marketplace operates.
Where a change materially affects your rights or obligations, Pagawa will provide notice through the platform before the change takes effect. Continuing to use Pagawa after a change takes effect means you accept the updated Terms.
