Terms of Use
The rules for using ChequeKo.
Draft — pending legal review. This document describes how ChequeKo is built and operated, but it has not yet been reviewed by counsel. It must be reviewed against Philippine data privacy and consumer law before public launch. The few measures still marked Planned are not live yet; everything else described here is.
1. What ChequeKo is
A formatting, alignment, printing and recordkeeping tool operated by Haturiko Services Inc.. It places details onto a Philippine cheque leaf you already own.
2. What ChequeKo is not
ChequeKo does none of the following:
- Create or issue cheques.
- Generate blank cheque documents.
- Reproduce bank security designs.
- Reproduce, alter or print MICR or routing information.
- Process payments, transfer money or connect to online banking.
- Store or print signatures.
It is not a bank, a payment processor or a financial institution. Not affiliated with or endorsed by any Philippine bank.
Printed output on ordinary paper is not a cheque. Bank names appear only to help you identify which template matches the leaf in your hand. Logos, seals and security artwork are never reproduced.
3. Your responsibilities
ChequeKo is a formatting and printing tool. Users remain responsible for verifying cheque details, maintaining sufficient funds, protecting physical cheque leaves, manually signing the cheque, and following the requirements of their issuing bank.
- Owning and protecting the physical cheque leaf.
- Verifying every detail before and after printing.
- Maintaining sufficient funds in the drawee account.
- Inserting the cheque correctly into your printer.
- Signing the physical cheque by hand.
- Following the requirements of your issuing bank.
4. Acceptable use
Use ChequeKo only for cheque leaves you lawfully own and may complete. You may not complete a cheque drawn on an account you have no authority over. You may not imitate bank security features or reproduce MICR encoding.
You may not circumvent guest print limits, probe other users' data, or interfere with the service.
5. Accounts
Guests may print a limited number of cheques. Beyond that a free account is required. Accounts are created by signing in with Google, and ChequeKo issues no password of its own. Keeping your Google account secure is what keeps your ChequeKo account secure.
End every active session yourself from Account settings. We may suspend accounts that abuse the service.
6. Printing accuracy
ChequeKo controls the geometry it sends to your browser. It does not control your print dialog, your driver or your printer's feed. Any of those can add margins, rescale the page or skew the sheet.
We make no guarantee of alignment on any printer. Always test on ordinary paper before printing on a real cheque.
7. No financial or legal advice
Nothing here is financial, accounting, tax or legal advice. Cheque requirements are set by your bank and by Philippine law. Where the two differ, follow your bank.
8. Availability and changes
ChequeKo is provided free and on an "as is" basis. We may change, suspend or discontinue features, and will give reasonable notice of material changes where we can.
9. Limitation of liability
To the fullest extent permitted by Philippine law, Haturiko Services Inc. is not liable for losses arising from misprinted, misaligned, lost, stolen, altered, dishonoured or fraudulently completed cheques, from reliance on details you entered, or from your printer's behaviour.
You remain responsible for verifying the cheque before signing it.
10. Termination
Delete your account and everything it holds at any time from Account settings. We may terminate access for breach of these terms.
11. Contact
See the Help Center and our Privacy Policy.