Abot · Legal and support
Terms and Conditions
Effective 7 November 2026 · Version 2026-11-07
Operator and eligibility
Abot is operated by Michael Ashley Ygana, Founder and Lead Developer of Mystech Solutions, Philippines. Contact solutionsmystech@gmail.com. Effective date: 7 November 2026. You must be at least 18 and legally able to enter your own agreements. By accepting these Terms, you agree to these conditions and acknowledge the Privacy Policy.
What Abot provides
Abot records zero-interest personal agreements in Philippine pesos between two participants, including proposals, confirmations, repayments, and reminders. Abot does not lend money, hold funds, process transfers, act as a bank, collect debts, or guarantee repayment. All transfers happen outside Abot.
Your account
Keep your password private and provide accurate details. Email ownership is not verified at signup, and a public Abot ID or QR code is not proof of identity or trustworthiness. Automated email verification and password recovery are currently unavailable. Contact support for account access help; recovery cannot be guaranteed without proof of account control. Never send passwords to support.
Your agreements and responsibilities
Check the other participant and all amounts, dates, and payment details yourself. Both participants must accept the same proposal; confirmations are participant statements and are not bank verification. Do not record false payments, impersonate others, upload unlawful material, harass anyone, or use Abot for abusive collections. You remain responsible for your own lending decisions and obligations.
Disputes and records
Resolve payment disagreements directly with the other participant. Abot offers recordkeeping and mutual dispute acknowledgment, not adjudication, legal advice, or guaranteed legal enforcement. Repayment history may be incomplete and must not be treated as a certified credit score. Export records you need to keep.
Deletion and service availability
You can request deletion through Settings or the public Account Deletion page. After ownership confirmation, deletion is completed within 30 days and removes associated shared agreements and receipts for both participants. Deleting records does not forgive debts. We may restrict accounts for misuse or security and may change or discontinue features, subject to applicable law.
Limitations and applicable law
The service is provided as available. We do not promise uninterrupted operation, error-free records, successful recovery, repayment, or enforceability of any agreement. To the extent permitted by law, Mystech Solutions is not responsible for losses from participant conduct, external transfers, or reliance on unverified records. Nothing excludes liability or rights that applicable law does not allow us to exclude. Philippine law applies, subject to mandatory rights and lawful dispute procedures.
Changes and contact
Material changes will be published with a new version and presented for acceptance before creating new agreements. Contact solutionsmystech@gmail.com for support or concerns. These release documents are subject to owner and legal review and do not claim legal certification.
You can also email solutionsmystech@gmail.com directly. Do not send passwords.