Cashify Editorial Team
The Cashify Editorial Team writes and reviews the articles on Cashify (cashify-ph.com), an independent information and comparison website about online lending in the Philippines. This page explains who we write for, what we cover, how we work and how you can hold us to our standards.
What the team does
Our work is research and explanation. We read the rules that govern lending and financing companies, we check public registers, we study the published terms of lending apps and we translate what we find into clear English for ordinary borrowers. We do not lend money, we do not process applications and we do not speak for any lender.
Our focus is narrow on purpose: online lending apps used by Filipino borrowers, and the questions people ask about them. That focus lets us go deep on a small number of subjects instead of writing thinly about many.
Experience and expertise
The team's experience comes from years of following Philippine consumer finance and from the daily work of reading primary sources. Our areas of practical expertise include:
- Reading regulatory material. Circulars, advisories and lists from the Securities and Exchange Commission (SEC), and guidelines from the National Privacy Commission (NPC), including how they apply to loan-related transactions.
- Interpreting loan disclosures. Understanding how interest, service fees, sign fees and late charges combine into a total cost, and how to explain that arithmetic simply.
- Verifying company records. Matching a lender's company name, registration number and Certificate of Authority against official lists and store listings.
- Explaining borrower rights. Summarizing rules on fair collection and data privacy, and describing the complaint routes that exist.
- Spotting scams and lookalikes. Recognizing copycat apps, fake support accounts and requests for advance fees.
We do not claim to be lawyers or licensed advisers, and our articles say so. Our value is careful reading, clear writing and honest labeling of what is known and what is not.
Topics we cover
- Registration and legitimacy. Whether a company and its app appear in the SEC lists, what the lists mean and how to check them yourself.
- Cost. What interest rates, fees and penalties are disclosed and how to work out total repayment.
- Applying and repaying. Requirements, approval, payout, repayment channels, account closure and contact options.
- Collection and privacy. What the rules prohibit, what borrowers publicly report, how to keep evidence and where to report problems.
- Scams and lookalikes. How to recognize fake apps and unsafe requests.
- Comparison. How to compare lenders by total cost, term, support and conduct.
You can browse our work in the Reviews and Guides collections.
How we research
We follow the process set out in our editorial policy. In summary:
- We begin with primary sources: official lists and notices, the text of rules, and the lender's own listings and terms.
- We record where each figure comes from and avoid repeating numbers we cannot trace.
- We compare more than one source when figures differ, and we say so in the article when they do not match.
- We separate documents (facts) from user reports (experiences) and label each clearly.
- We write in plain language and show the calculation behind every cost example.
- We re-check pages when we learn of changes and correct errors promptly.
How we treat sensitive topics
Writing about complaints, collection and personal data affects real people and real businesses. We hold ourselves to a simple rule: we say what is publicly documented, and nothing more. If borrowers publicly report a problem, we describe the reports neutrally, say that they are unverified and link to where they appear. If we find no public information on a question, we write that we did not find any. We do not repeat accusations we cannot support, and we do not rank a lender solely by the volume of comments.
Independence
The team decides what to publish. No lender can ask us to remove accurate information, change a rating or add a claim we cannot support. The way we handle commercial relationships is explained in our editorial policy, and none of it changes how we describe a lender.
Corrections and feedback
We make mistakes, and we want to hear about them. If you believe a statement is wrong or out of date, tell us which page and which statement, and send a link to a public source if you have one. We review corrections promptly and update the page when the correction is confirmed.
Limits of our work
- Our articles are general information and not personal financial or legal advice.
- A lender's terms, fees and requirements can change at any time, so check the current offer in the app before you accept.
- We cannot approve, change or cancel a loan, and we cannot contact a lender on your behalf.
- We cannot verify every comment posted online.
Our standards for writing
Every article on Cashify is written to be useful to a person who is about to make a decision. That means we lead with the direct answer, we explain terms the first time we use them, and we avoid jargon. We write short paragraphs, we use tables where a comparison is clearer in a table, and we end with practical steps you can take. We avoid pressure language, we do not promise outcomes and we do not tell readers to borrow. If a topic is uncertain, we say what is known, what is not known and where you can check.
We also keep our own habits in check. Before publishing, an article is read for accuracy of figures, for consistency with the sources, for tone and for whether any sentence could be read as an accusation we cannot support. Pages that touch on complaints or collection receive extra review, because the stakes for readers and for the businesses named are higher.
Get in touch
For corrections, questions about our articles or reports of anyone using our name, write to admin@cashify-ph.com or use our contact page. Please do not send IDs, passwords or one-time codes.
To learn more about the site, read About Us. Thank you for reading Cashify.