Terms & Conditions

    Last updated: 7/20/2026

    1. General Overview

    Welcome to arnelmalabayabas.com. By accessing or using our website, programs, and services, you agree to be bound by these Terms & Conditions.

    2. Payments

    Payments for programs and services booked through arnelmalabayabas.com may be processed via Xendit, our authorized payment collection partner. A convenience fee may apply to online transactions. The applicable convenience fee will be shown at checkout before payment is confirmed. By completing payment, you acknowledge and accept the convenience fee charged. Manual payments via GCash (09253638777, Arnel Malabayabas) are also accepted and are not subject to a convenience fee.

    3. Third-Party Integrations

    arnelmalabayabas.com uses Xendit as its authorized online payment collection partner for credit card, GCash (online checkout), Maya, and bank transfer transactions. Xendit is a licensed payment gateway regulated under Bangko Sentral ng Pilipinas (BSP). Your payment data submitted through Xendit's checkout is handled under Xendit's own Privacy Policy and Terms of Service. BizAutoFlow by Arnel Malabayabas does not store your card or payment credentials.

    4. Training and Educational Content

    All training programs, lectures, and educational content offered through arnelmalabayabas.com are for informational and professional development purposes only. Nothing on this website or in any associated training program constitutes legal, financial, investment, or real estate practice advice. Participants are responsible for ensuring their own compliance with applicable Philippine laws including RA 9646 (RESA Law), PD 957, and RA 10173 (Data Privacy Act of 2012).

    5. No Earnings Guarantee

    Training programs and tools featured on arnelmalabayabas.com are educational in nature. We make no claims or representation that participation in any program will result in earnings or return on investment. Testimonials and results shared by past participants represent their own experiences and are not typical. Your results will vary based upon your effort, business model, professional practice, and market conditions.

    6. Social Media

    Arnel Malabayabas (BizAutoFlow by Arnel Malabayabas) maintains official social media accounts on Facebook, Instagram, YouTube (TITO AI), and other platforms. Links shared on these accounts may direct you to arnelmalabayabas.com. We are not responsible for the availability, algorithms, reach, or content moderation decisions of any social media platform. Clicking a link from a social media platform to our website means you are leaving that platform and entering a site governed by our own Terms & Conditions and Privacy Policy.

    7. Paid Advertising

    Some links to arnelmalabayabas.com may appear as paid advertisements on Facebook, Instagram, or other social media platforms. Paid ads are clearly marked as 'Sponsored' by the respective platform. Arnel Malabayabas (BizAutoFlow by Arnel Malabayabas) complies with applicable advertising standards and platform policies. Results implied or shown in advertisements are not guaranteed and are not typical.

    8. No Platform Endorsement

    arnelmalabayabas.com is not affiliated with, endorsed by, or sponsored by Meta (Facebook/Instagram), Google (YouTube), TikTok, or any other social media platform. Our presence on these platforms does not imply any partnership or endorsement.

    9. User-Generated Content

    Testimonials, reviews, and posts shared by participants of any program by Arnel Malabayabas on social media represent their own personal experiences and opinions. BizAutoFlow by Arnel Malabayabas does not control user-generated content shared publicly on social media platforms. Results shared by participants are not typical and do not constitute a guarantee of similar outcomes.

    10. External Links

    Our social media accounts and website may contain links to third-party websites, videos, or resources. These links are provided for convenience and informational purposes only. BizAutoFlow by Arnel Malabayabas does not control third-party content and is not responsible for the accuracy, availability, or privacy practices of any external site or platform.

    Arnel Malabayabas LogoArnel Malabayabas

    A licensed real estate professional helping practitioners and organizations adopt AI, automation, and digital systems — while staying compliant with Philippine laws such as RA 9646 and DHSUD regulations.

    Contact

    • contact@arnelmalabayabas.com
    • +63 947 327 8777
    • Metro Manila, Philippines

    © 2026 Arnel Malabayabas. All rights reserved.|Cookie Policy|Terms & Conditions|Privacy Policy

    Arnel Malabayabas (BizAutoFlow by Arnel Malabayabas) is a licensed Real Estate Broker, Appraiser, and Consultant and PRC-Accredited CPD Lecturer (Accreditation No. 280). Content on this website is for educational and informational purposes only and does not constitute legal, financial, or real estate practice advice. Results from training programs are not typical and will vary. Online payments are processed by Xendit — a convenience fee may apply. We do not store your payment credentials. This website is not affiliated with or endorsed by any social media platform. Use of this website is governed by our Terms & Conditions and Privacy Policy in compliance with RA 10173.

    Contact: titoairnel@gmail.com

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