Sendah Direct enables Agents, Distributors, and OFWs to resell digital & physical goods including mobile airtime credits (load/top-up), gift certificates, and micro-insurance products. Sendah Direct boasts of a rapidly growing community, which allows it to scale up to over 6,000 retails points of presence here and abroad.

Sendah Direct offers the following service features:
1. ONE WALLET SYSTEM – This makes monitoring funds and inventory levels easier to monitor.

2. VARIETY OF PRODUCTS AVAILABLE – Unlike other loading businesses, Sendah Direct Agents/Distributors can also sell game pins, micro-insurance products, health cards, and electronic gift certificates, aside from load (mobile airtime credits/top-up).

3. WEB & MOBILE – Sendah Direct is accessible via web browser or mobile internet. For those who do not have a reliable internet connection, transactions can be carried out via mobile (SMS) services.

4. ACCOUNT MANAGEMENT – Sendah Direct enables quick creation of multiple agents under one account and easier management of funds.

5. TRANSACTION REPORTING – This allows convenient monitoring of transactions and ensures proper tracking of credits/movement of wallet credits from various users’ accounts.

6. CUSTOMER SERVICE &TECHNICAL SUPPORT – Sendah Direct offers 24/7 support covering everything from commercial to technical concerns.

7. NO REGISTRATION FEES – To start selling Sendah Direct products, there is no need to pay for a membership package. Simply fund your wallet with the minimum required deposit (P500.00 for Agent/P5,000.00 for Distributor).

Sendah Direct is perfect for individuals (Agents) or groups (Distributors) here or abroad, who want to earn extra income or start their own business by selling items such as load (airtime mobile credits/top-up), gift certificates, micro-insurance products, health cards, and so on at a considerable profit.

As an Agent/Distributor, you can sell the following Sendah Direct products:
A.      AIRTIME CREDITS (LOAD/TOP-UP)

Level Up 1000 Points

B. Online Game Credits

C. PANALOAD CLUB (MICRO-INSURANCE)

*Insurance coverage is valid for 30 days (1 Month) only.

Sendah Direct Agents/Distributors need to fund their wallets through bank deposits.

Whether you are an Agent or a Distributor, you need to make a direct bank deposit to any Sendah Direct bank account to add credits to your account.

We have partnered with BPI, BDO, and HSBC Hong Kong to process bank deposits of our Agents/Distributors whether they are here in the Philippines or staying overseas. You can make a deposit to any of the following Sendah Direct bank accounts:

BPI (PESO)
Account Name: Ayannah Information Solutions, Inc.
Account Number: 009823-0110-56
Bank Name: BPI
Bank Address: Ortigas Emerald Branch

BPI (DOLLAR) Account Name: Ayannah Information Solutions, Inc.
Account Number: 009824-0046-22
Bank Name: BPI
Bank Swift Code: BOPIPHMM
Bank Address: Ortigas Emerald Branch

Banco De Oro (BDO) PESO
Account Name: Ayannah Information Solutions, Inc.
Account Number: 002110037209
Bank Name: Banco de Oro
Bank Address: IBP Bldg. Julia Vargas Avenue Ortigas,Pasig City,1605

Banco De Oro (BDO) DOLLAR
Account Name: Ayannah Information Solutions, Inc.
Account Number: 102110-0603-32
Bank Name: Banco de Oro
Bank Swift Code: BNORPHMM
Bank Address: IBP Bldg. Julia Vargas Avenue Ortigas,Pasig City,1605

HSBC Hong Kong
Account Name: VERITAS MOBILE HOLDINGS, LTD.
Bank Name: The HongKong Shanghai and Banking Corp (HSBC) –Hong Kong
Bank Address: 1 Queen’s Road Central, Hong Kong
Swift Code: HSBCHKHHHKH
Bank Account #: 400 533 444 0838 (multi currency and HKD Savings); 400 533 444 001 (HK dollar current)
Bank Code: 004

You will not be able to make a transaction if your wallet has insufficient funds.

You will not be able to make a transaction if your wallet has insufficient funds.

Verification of deposit/payment is done every Monday to Friday from 10:00AM to 4:00PM (except during holidays). Payments after the cut off time are verified and credited the next working day. Though we try to process every deposit/payment as fast as we can, our Accounting team needs time to check with our partner banks and to verify all the deposits made. If you wish to follow up on the status of your payment, our Customer Service Representatives are on standby to answer your phone calls, emails, and Facebook messages.

Generally, there is no required quota for Agents or individuals who are self-loaders. However, Distributors have sole discretion over their arrangements with their respective Agents.

To update your account information, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click “My Account” found on the HOMEPAGE.
3. Select “Edit Info” button. Type your information.
4. Click “Submit” button.

To change your password, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click “My Account” found on the HOMEPAGE.
3. Select “Change Password.”
4. Enter your Old Password, New Password & Confirm your New Password.

To regain your password, follow the steps below:

1. Click “Forgot Password” from the log-out page.
2. Enter your Username” & Email Address” then click the Submit button.
3. System will send a notification email to your email address regarding your reset password request.
4. Check your email, then click the link provided to activate your request.
5. System will redirect you to the Reset Password page. Enter your “New Password” & “Confirm Password” then select the Submit button.
6. System will notify you if you have successfully reset your password.
7. Log-in to your Sendah Direct account using your New Password.

To check your Product List & Rates, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click on “My Account” found on the Homepage.
3. Select “My Rates.”
4. Click the specific product category you want to view.
5. The pass on rate (actual cost) of the product item can be found on the RATE column.

To view your transactions history, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click the “My Transaction” tab found on the HOMEPAGE.
3. To do a quick search, enter the search criteria (Transaction Type, Date Start & Date End).
4. Click “Submit” button.
5. System will populate the data based on the selected measures. On this page, the user has the option to extract the data by selecting the “Transaction Report” in csv file.

Check your wallet balance if you have sufficient credits to make the transaction. Otherwise, contact your Distributor to check your account details.

Sendah Direct has built-in security features to verify the identity of its users and the transactions made. The log-in features identifies the user of the application. Every transaction requires the user’s password before processing. All transactions will also be logged in the system to ensure proper tracking of both debits and credits made to the account. We also implement a strict privacy policy to protect your personal information.

To send load, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click the SEND LOAD tab found on the HOMEPAGE.
3. Select a “Mobile Operator” (Smart, Globe, Sun) from the dropdown list.
4. Select the load denomination from the dropdown list.
5. Enter recipient’s “Mobile Number.”
6. Click “Next” button.
7. Review / Verify all the details entered.
8. Enter your account password to authenticate the transaction.
9. Click “Submit” button to process the transaction.
10. A successful confirmation message will be displayed on the screen.

A confirmation message will be displayed on the screen. Otherwise, a “Transaction Reversed” message is displayed and will have a “Reversed/Failed” status in the Transaction History.Sample:

  <Date Time>: <Load Product> Pack loaded to <subscriber’s mobile#> from <retailer’s #>.Consume by <load expiry date>.<Promo/Tail Message> <ref#>

  14Jun 1426:P30 ECONOMY Pack loaded to 09498157188 from 09479249891. Consume by 06/29/13. JoinEfactry,GtP10Load.Txt EF10to2474.P10/dayDTI1699
Ref:08735920502

To send pins, follow the steps below:
1. Log in to your Sendah Direct account.
2. Select the Send Pins tab found on the HOMEPAGE.
3. Choose a Merchant from the dropdown list.
4. Select a product item with its corresponding denomination from the dropdown list.
5. Enter the recipient’s mobile number and email address.
6. Click the “Next” button.
7. Review / Verify all the details entered.
8. Enter your account password to authenticate the transaction.
9. Click “Submit” button to process the transaction.
10. A successful confirmation message will be displayed on the screen.

A confirmation message will be displayed on the screen. Otherwise, a “Transaction Reversed” message is displayed and will have a “Reversed/Failed” status in the Transaction History.

Yes, Sendah Direct will provide you with materials that will help you market the products you will sell.

Yes, we have created SMS access so that Agents/Distributors can still transact even if they don’t have an internet connection. If this applies to you, you will be using specialized keywords and dedicated access to use this service.

Yes, you can still be a Sendah Direct Agent and sell Sendah Direct products as long as doing so doesn’t violate any existing agreement between you and a territorial distributor group.

You don’t need to purchase a special SIM card. You just need your own phone with your own SIM to top up your own or another prepaid number.

Yes. Please refer to the table below.

Effective Date: Dec 31, 2014. Last updated: Sep 22, 2017

Ayannah has created the following Privacy Policy to let you know what information we collect when you visit our site, why we collect it and how it is used. This Privacy Policy explains the data collection and use practices of Sendah, Sendah Direct, Sendah Remit, and Panalo Express websites and mobile apps. The terms “you,” “your,” and “yours” refer to the customer/purchaser utilizing any of our services. The terms “Ayannah”, “Sendah”, “Sendah”, “Sendah Remit”, “Panalo Express”, “we”, “us”, and “our” refer to Ayannah Business Solutions, Inc. Inc. and any or all of our websites and/or mobile apps. By using this web site, you consent to the data practices prescribed in this statement. We may periodically make changes to this Privacy Policy that we will include on this page. It is your responsibility to review this Privacy Policy frequently and remain informed about any changes to it, so we encourage you to visit this page often.

How we collect information about you

When you visit any of our websites or use any of our services or applications, we collect information sent to us by your computer, mobile phone, or other access device. This information may include your IP address, device information including, but not limited to, identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site and the pages you accessed on our website.

If you create an account or use any of our services, we may collect the following types of information:

·       Contact information - your name, address, phone, email, and other similar information.

Before permitting you to use any of our services, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.

When you use any of our services, we collect information about your transactions and your other activities on our website and we may collect information about your computer or other access device for fraud prevention purposes.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your account(s) on our services and authorizing Ayannah to have access to this information, you agree that we may collect, store and use this information in accordance with this Privacy Policy.

In order to help protect you from fraud and misuse of your personal information, we may collect information about your use and interaction with any of our services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of any of our services.

Finally, we may collect additional information from or about you in other ways such as contacts with our customer support team.

How we use cookies

When you access our website or content or use any of our applications, we or companies we work with may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to:

·       Recognize you as our customer;

·       Customize any of our services, content, and advertising;

·       Measure promotional effectiveness; and

·       Collect information about your computer or other access device to mitigate risk, help prevent fraud and promote trust and safety.

We use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent cookies remain on your browser until you erase them or they expire.

We also use Local Shared Objects, commonly referred to as “Flash cookies,” to help ensure that your account security is not compromised, to spot irregularities in behavior to help prevent fraud and to support our sites and services.

We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of our website. The help section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies.

You may encounter our cookies or pixel tags on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie or pixel tag placed by the web page or application. Likewise, these third parties may place cookies or pixel tags that are not subject to our control and this Privacy Policy does not cover their use.

How we protect and store personal information

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.

We store and process your personal information on our computers in Asia Pacific and elsewhere in the world where our facilities or our service providers are located, and we protect it by maintaining physical, electronic and procedural safeguards. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

How we use the personal information we collect

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:

·       Provide any of our services and customer support you request;

·       Process transactions and send notices about your transactions;

·       Resolve disputes, collect fees, and troubleshoot problems;

·       Prevent potentially prohibited or illegal activities;

·       Customize, measure, and improve any of our services and the content and layout of our website and applications;

·       Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences; and

·       Compare information for accuracy and verify it with third parties.

Marketing

We will not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize any of our services, content and advertising.

How we share personal information with other users of our services

To process your payments, we may share some of your personal information with the person or company that you are paying or that is paying you. Your contact information, date of sign-up, the number of payments you have received from our verified users, and whether you have verified control of a bank account are provided to our other users who you transact with through our services. In addition, this and other information may also be shared with third parties when you use these third parties to access any of our services. Unless you have agreed to it, these third parties are not allowed to use this information for any purpose other than to facilitate your transactions using any of our services.

If you are buying goods or services and pay using our services, we may also provide the seller with your shipping and confirmed billing address to help complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to pay your seller fails, or is later invalidated, we may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolutions, we may provide a buyer with the seller’s address so that goods can be returned to the seller.

We work with third parties, including merchants, to enable them to accept or facilitate payments from or to you using our services. In doing so, a third party may share information about you with us, such as your email address or mobile phone number to inform you that a payment is sent to you or when you attempt to pay that merchant or through that third party. We use this information to confirm that you are our customer and that bitcoin as a form of payment can be enabled, or where a payment is sent to you, to send you notification that you have received a payment. Also, if you request that we validate your status as our customer with a third party, we will do so. Please note that merchants you buy from and contract with have their own privacy policies, and we cannot be held responsible for their operations, including, but not limited to, their information practices.

How we share personal information with other parties

We may share your personal information with:

·       Service providers under contract who help with parts of our business operations such as fraud prevention, bill collection, marketing and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

·       Financial institutions with which we partner.

·       Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. You will receive prior notice of any change in applicable policy.)

·       Law enforcement, government officials, or other third parties when:

o   We are compelled to do so by a subpoena, court order or similar legal procedure; or

o   We believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.

·       Other third parties with your consent or direction to do so.

We will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this policy.

If you establish an account indirectly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on our website) will be shared with the owner of the third party website or application and your information may be subject to their privacy policies.

We will notify you of material changes to this policy by updating the last updated date at the top of this page. It is recommended to visit this page frequently to check for changes.

How you can access or change your personal information

You can review and edit your personal information at any time by logging in to your account and clicking the Profile or My Account tab. If you close your account with our services, we will mark your account in our database as "Closed," but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.

How you can contact us about privacy questions

If you have questions or concerns regarding this policy, you may contact us by writing at csr@ayannah.com.

To create an Agent account, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click the “My Agents” tab found on the HOMEPAGE.
3. Click “Add New Agent” label.
4. Enter the Agent’s Information.
5. Click “Submit” button to process your request.
6. A confirmation message will be displayed on the screen.

To credit an amount to an Agent’s wallet, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click the “My Agents” tab found on the HOMEPAGE.
3. Select an Agent. Under the Action tab, select the “Change Credit” label.
4. Choose “Credit” option from the Type of Transaction.
5. Input valid amount and verify password.
6. Click “Submit” button to process your request.

To activate or suspend an Agent’s account, follow the steps below:
1. Log in to your Sendah Direct account.
2. Click the “My Agents” tab found on the HOMEPAGE.
3. Select an Agent. Under the Action tab, select the “Change Status” label.
4. Choose “New Status” option from the dropdown list.
5. Enter your account password to authenticate the transaction.
6. Click “Submit” button to process your request.

To be a Sendah Direct Agent, you need to:

1. Deposit a minimum amount of P500.00 – This initial deposit will be credited to your Sendah Direct Wallet account so you can start selling load (mobile airtime credits/top-up), electronic gift certificates, micro-insurance products, and more.

2. Submit the following information:
a. Complete Name
b. Email Address
c. Contact Number
d. Mailing Address
e. OR fill out this form.

3. Sign a Conforme Letter, which will be provided by Ayannah.

To be a Sendah Direct Distributor, you need to:

1. Deposit a minimum amount of P5,000.00 – This initial deposit will be credited to your Sendah Direct Wallet account.

2. Submit the following information:
a. Complete Name
b. Email Address
c. Contact Number
d. Mailing Address
e. OR fill out this form.

3. Sign a Conforme Letter, which will be provided by Ayannah.

To be a Sendah Direct distributor abroad, you need to:

1. Deposit a minimum amount of P5,000.00 – This initial deposit will be credited to your Sendah Direct Wallet account.

2. Submit the following information:
a. Complete Name
b. Email Address
c. Contact Number
d. Mailing Address
e. One (1) valid ID with picture and address
f. OR fill out this form.

3. Sign a Conforme Letter, which will be provided by Ayannah.

Note: Sendah Direct wallet currency is in Philippine Peso (PHP). We will use the BSP currency conversion rate if the amount you are depositing is in dollars (USD) or any other foreign currency.