Terms

Terms of use

Last updated September 2026.

Platform scope — what we are and are not

OLA Report is an independent, community-driven watchdog and information platform for online lending apps in the Philippines.
We are not a bank, a lender, a credit agency, a credit bureau, a regulator, or a law firm, and we do not lend money or issue credit.
All content — community reports, caution scores, and machine assessments — is provided for general awareness only and is not legal, financial, or credit advice.
Nothing on this platform declares any party safe, illegal, or a scam. Labels reflect available data, not legal findings.

You retain ownership of the reports, comments, chat messages, evidence, and other content you create.
By posting, you grant OLA Report a worldwide, non-exclusive, royalty-free license to host, store, reproduce, moderate, display, and distribute your content as part of operating and promoting the platform.
You represent and warrant that your content is truthful, based on your own first-hand experience or material you are authorized to share, and does not infringe any third party's rights.
You may request removal of your own content, subject to lawful retention and the rights of others.

We operate as an intermediary and host user-generated content in good faith, consistent with the safe harbor principles of Republic Act No. 8792 (the E-Commerce Act of 2000).
We are not the author or publisher of user submissions you create, and we act expeditiously to remove or disable access to unlawful content upon receiving actual knowledge or a valid takedown notice.
We reserve the right to verify, edit, annotate, flag, reject, merge, or remove any content, and to suspend or ban accounts that violate these terms or our Community Guidelines.
Moderation decisions aim to protect the community, comply with Philippine law, and preserve the integrity of the data.

Lenders and individuals named in a report may submit a right-of-reply statement or dispute through the contact page.
Where a dispute is credible, we may annotate the profile, request further evidence, or update the report while preserving verified community submissions.
Submitting a knowingly false dispute, or impersonating a lender or regulator, is a violation of these terms.
Nothing in this process waives either party's rights under Philippine law.

No doxxing: do not post private addresses, ID numbers, or other personal data of any person, including collectors and bystanders.
No harassment, threats, hate speech, or coordinated attacks against any individual.
No extortion or blackmail, including offering to remove a report in exchange for money or favors.
No scraping, crawling, bots, or automated abuse of the platform, its search, or its chat.
No spam, malware, phishing, or attempts to compromise the service or other users' accounts.
No impersonating lenders, regulators, government agencies, or other users.

You are responsible for keeping your credentials safe and for activity under your account.
One account per person. Sharing or selling accounts is prohibited.
We may suspend or terminate accounts that break these terms or endanger the community.

The service is provided as-is. We work to keep data accurate but cannot guarantee completeness — lender landscapes change quickly.
To the fullest extent permitted by law, OLA Report is not liable for decisions made in reliance on the platform.
Always verify critical decisions against official SEC and BSP records and qualified professionals.
These terms are governed by the laws of the Republic of the Philippines, and any dispute is subject to the exclusive jurisdiction of the courts of Metro Manila.