OLA Report is an independent, community-driven information service published for public awareness and borrower safety.
We are not a lender, a bank, a credit agency, a regulator, or a law firm, and we do not provide legal, financial, credit, or investment advice.
Nothing on this site creates a lawyer-client, advisor-client, or any other professional relationship.
Caution scores are algorithmic community assessments
Caution scores are generated from a transparent, live blend of official registry status, active community reports, evidence severity, and identifier signals. A curator baseline may be shown while evidence is sparse.
A caution score is not a judicial determination, a finding of guilt, or proof that a lender has broken any law.
Higher or lower scores describe available data at a point in time, not a legal conclusion about any person or company.
Reports reflect user submissions
Community reports are submitted by members of the public and pass through moderation, but we cannot independently verify every claim.
A report is one person's account; it is not a court ruling and does not establish that any party acted unlawfully.
If you are named in a report and believe it is inaccurate, you may use our right-of-reply and dispute process.
Always cross-reference official registries
Before making any borrowing, lending, or business decision, verify the entity directly with official government sources.
Securities and Exchange Commission (SEC) Philippines: check the online lending license list and company registrations, including the SEC Markets and Securities Regulation Department and the Corporate Governance and Finance Department (SEC-CRMD), and the SEC OLAPS registry.
Bangko Sentral ng Pilipinas (BSP): check the list of banks and regulated financial institutions.
For data privacy concerns, consult the National Privacy Commission (NPC); for threats or extortion, contact the PNP Anti-Cybercrime Group or NBI Cybercrime Division.
No warranty and limitation of liability
The service is provided as-is. Lending markets change quickly and data may be incomplete, outdated, or inaccurate.
To the fullest extent permitted by law, OLA Report is not liable for decisions made in reliance on this site.