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Disclaimer

Legal disclaimer

Last updated September 2026.

Informational and public-interest use only

  • 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 Lending markets change quickly and data may be incomplete, outdated, or inaccurate.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.

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