Balik-Eskwela Double Treat! Terms and Conditions (T&Cs):

The Lowest Hulugan with Balik-Eskwela Double Treats!

Promo period: 12:01 AM of July 1, 2025, to 11:59 PM of September 30, 2025  
DTI Fair Trade Permit No. FTEB-229821 Series of 2025

1. Participation in the program is open to all Tonik customers with an approved Tonik Shop Installment Loan during the promo period. All eligible customers should have a good payment record with no delinquencies.
2. The Tonik customer must have a verified Tonik Account to apply for a Tonik Shop Installment Loan. To verify your Tonik Account, you must submit any one of the six valid and eligible government IDs. Learn more here: https://tonikbank.com/faq/how-can-i-upgrade-my-tonik-account
3. A Tonik Shop Installment Loan can be applied in any of our FC Home partner stores. This promo applies to home appliances, furniture, mobile phones, and gadgets. https://tonikbank.com/shop-installment-loan/partner-stores
4. The following are not qualified to participate in this promotion:
   Non-Filipino citizens
   Tonik customers with rejected Tonik Shop Installment Loan application 
5. Tonik reserves the right to cancel the participation of participants if any abuse, fraud, or proven suspicious activities are found, or if found to violate the Terms & Conditions of this program, the Tonik General Terms & Conditions, or any prevailing regulations of the Bangko Sentral ng Pilipinas.
6. By participating in this program, you have read, understood, and agreed to all applicable terms and conditions of the Balik-Eskwela Double Treat Raffle promo, including Tonik's Shop Installment Loan General Terms & Conditions as found in Terms and Conditions (Loans).
7. For more information, you can reach out to Tonik Customer Care through the in-app chat feature in the Tonik application or reach out via other channels: customercare@tonikbank.com,  and +63 2 5322 2645 via mobile or (02) 532 22645 via landline.