Community

Community guidelines

Protects borrowers, reporters, and the integrity of every lender profile. Last updated September 2026.

Evidence submission rules

• Share only your own first-hand experience, or material you are authorized to publish.
• Strong reports include screenshots, message logs, receipts, and dates. Redact anything that is not essential to the story.
• Do not edit evidence to mislead. Cropped, fabricated, or decontextualized material is removed and may cost your reporter standing.
• One incident per report. Duplicates are merged by moderators to keep lender profiles clean.

Mandatory privacy redaction

• Before uploading, mask your own full name, home address, ID numbers, bank and e-wallet account numbers, and one-time passwords.
• Never post another person's personal data — including collectors' private addresses, family members, or bystanders.
• Blur faces, license plates, and any contact details that are not central to the complaint.
• Uploading unredacted personal data is grounds for immediate removal, even when the underlying report is valid.

Anti-harassment and fair discourse

• Criticize conduct and institutions, never individuals. No doxxing, threats, slurs, or coordinated pile-ons.
• Do not contact, visit, or encourage others to contact any person named in a report.
• No extortion, blackmail, or offers to remove a report in exchange for money.
• No scraping, bots, or automated abuse of the platform, its search, or its chat.
• Debate reports on the facts. Moderators may remove content and suspend accounts that harass or endanger others.

Moderation and appeals

• Every report passes through moderation and may be verified, sent for review, rejected, or merged as a duplicate.
• Lenders and individuals named in a report may exercise a right of reply through the dispute process.
• If you believe a moderation decision was wrong, contact us with the report link and an explanation.

Ready to contribute? File a report or read the report guide.