Terms of service

What KapitBahayan is

KapitBahayan is a platform that connects people who own things (owners) with people who want to borrow them for a fee (renters). We are not the owner or the renter. The rental contract is between the owner and the renter. We provide the listing, booking and messaging tools. For Protected deals we also provide payment and deposit holding, the handover checklist and dispute tools.

Who can use it

You must be at least 18 years old and able to enter into a contract. We ask for your birthdate to check this, and we do not store a birthdate that shows you are under 18. To request or accept a deal you must also complete your profile (full name, birthdate, mobile number, city) and agree to our Privacy policy. You must give true information and keep your account details current. One person, one account.

Fees

Renters pay a 10% service fee on the rental amount (15% for cameras and drones). Owners pay a 10% fee on each booking. The Plus protection plan costs the higher of ₱49 or 8% of the rental. Every fee is shown before you pay.

Protected and Direct deals

Protected. Available when both sides are ID-verified. KapitBahayan holds the payment and deposit through its payment provider, and the handover checklist, protection plans and dispute process apply.

Direct. Available to everyone else. You arrange payment, pickup and everything else yourselves. KapitBahayan is not a party to a Direct deal. We do not hold, refund or mediate any money in a Direct deal, and the protection plans and dispute process in these terms do not apply to it. If something goes wrong, you can report the other user at hello@kapitbahayan.com. We may hide listings or suspend accounts, but we cannot recover your money.

You must tick a warning before you continue with a Direct deal. High-value categories are Protected only.

Marketplace sales

You can list items for sale and buy by messaging the seller. For now every sale is a Direct deal, so the Direct terms above apply. Protected checkout for sales is planned but is not available yet.

Payments

For Protected deals, all payments must go through KapitBahayan. Do not pay or accept cash or transfers outside the platform for a Protected deal. Payouts to owners are scheduled for the day after the item is returned. Anything you pay outside a Protected deal is at your own risk.

Deposits

The owner sets a refundable deposit, up to ₱20,000. In a Protected deal, KapitBahayan holds it, not the owner. It is released to the renter 48 hours after a clean return, unless a dispute is open. If a dispute is resolved in the owner's favor, the owner is paid from the deposit.

Protection plans

Protection plans are not insurance. They set who pays if something goes wrong:

• Basic (free): the renter is liable up to the deposit, then up to the item's value.
• Plus: accidental damage is capped at ₱500. Theft and non-return are not covered.

Neither plan covers deliberate damage, normal wear and tear, consumables, or anything not shown in the checklist photos.

Cancellations

Each listing has a cancellation tier. Flexible: full refund of rental and fees at least 24 hours before pickup, 50% after. Moderate: full refund at least 72 hours before pickup, 50% until 24 hours before, none after that. The deposit is always refunded in full. If an owner cancels, the renter gets a full refund and the owner gets a strike on their account.

Damage and disputes

Both sides confirm a checklist with four condition photos at pickup and return. Report a problem within 24 hours of return. Both sides then have 48 hours to upload evidence, and we review within 3 days and aim to decide within 5 business days. We may pay the owner from the deposit, refund the renter, or split the amount. We write down the outcome. Late returns cost one day's rental price per day, up to 3 days, after which the case becomes a dispute.

Prohibited items and conduct

You may not list or sell:

• weapons;
• drugs and medicines;
• stolen goods;
• counterfeit items;
• live animals;
• recalled or unsafe items;
• adult content;
• government IDs;
• food, or anything else illegal in the Philippines.

You may not harass others, post fake listings or reviews, or move a Protected booking off the platform to avoid fees.

Complaints and takedowns

To report a listing, a user or a Direct deal that went wrong, write to hello@kapitbahayan.com. We aim to respond within 48 hours. We may remove listings and suspend accounts after a report.

Account suspension

We can hide listings or suspend accounts that break these terms, receive repeated strikes, or put others at risk. You can delete your account any time if you have no active bookings.

No insurance

KapitBahayan does not offer insurance, and our protection plans are not insurance. We have no insurance partner yet. If that changes, we will say so here.

Limits of liability

KapitBahayan is not responsible for the condition, safety or legality of items, or for what owners and renters do. To the extent the law allows, our liability to you is limited to the fees you paid us for the booking involved. Nothing here limits rights you have under Philippine consumer law.

Governing law

These terms follow the laws of the Philippines. Disputes we cannot settle through our process go to the proper courts of the Philippines. See also our Privacy policy.

Contact

Questions, complaints or takedown requests: hello@kapitbahayan.com, or Help.