Editorial Policy

This editorial policy explains how Cashify (cashify-ph.com) researches, writes, reviews and corrects its articles. We publish information about online lending in the Philippines, and readers may rely on it when they make decisions about money. We therefore hold ourselves to clear standards, which are set out below.

Our purpose

Our purpose is to help Filipino borrowers understand online lending apps before they borrow. We do this by explaining how lenders are regulated, what they disclose, what they cost and what rights borrowers have. We aim to be accurate, fair and useful, and to make it easy for readers to check our work.

Independence

Our editorial decisions are made by the Cashify Editorial Team. No lender, advertiser or other third party may commission an article, approve its content, require us to remove accurate information or change what we say about a lender. We choose which questions to answer based on what readers search for and what helps them stay safe.

Sources

We prefer primary sources, in this order:

1. Regulators and the law. Lists, circulars, advisories and press releases of the Securities and Exchange Commission (SEC), guidelines of the National Privacy Commission (NPC), and the text of the relevant laws.
2. The lender's own materials. Store listings, published loan terms, privacy policies and official contact details.
3. Reputable reporting. News reports and announcements from recognized publications, used to confirm events such as a rebrand.
4. Public user reports. Reviews and forum posts, used only to describe what borrowers say, never as proof of a fact.

We avoid sources that copy other sites without attribution. When we rely on a third-party summary, we try to confirm the key figure at its original source.

Accuracy and fact-checking

• Every figure in an article, such as a registration number, interest rate or loan range, is traced to a source before publication.
• When two sources disagree, we say so, give both figures and explain which one we treat as primary.
• We show calculations so readers can repeat them with their own numbers.
• We label estimates and examples clearly so they are not mistaken for offers.
• We do not state something as fact if we cannot support it.

Handling complaints, collection and sensitive topics

Complaints, collection practices and personal data are sensitive, and what we write can affect real people and businesses. We apply these rules:

• Document, then describe. If a matter is publicly documented, such as a regulator notice or widely reported public posts, we describe it plainly and link to the source.
• Label unverified reports. User comments are described as user reports. We do not verify each one, and we say so.
• No guesswork. If we find no public information, we write that we did not find any. We do not imply wrongdoing.
• No reproduction of abuse or personal data. We do not copy abusive messages, names or contact details of private individuals.
• Context. We explain the rules that apply, such as the limits on collection and data use, so readers can judge a situation for themselves.

Choosing what we write about

We do not write about a lender because it asks us to. We write about questions readers ask: whether an app is registered, what it costs, how to repay, what to do about collection, how to close an account. When we cover one app, we use the same structure and the same standards we would use for any other, so that readers can compare like with like. We avoid duplicating the same answer across several pages. Each page answers one question, and we link to related pages so readers can follow a topic without repetition.

Neutral, plain language

We write in plain English for a Philippine audience. We explain terms such as APR, service fee and Certificate of Authority when we first use them. We avoid pressure language and promises, and we do not encourage anyone to borrow.

How articles are produced and reviewed

1. A topic is chosen based on reader questions.
2. The writer gathers sources and records where each fact comes from.
3. The article is drafted with the direct answer first, followed by details, steps and limits.
4. A second reviewer checks figures, sources, tone and any sentence that could be read as an accusation.
5. The article is published with a visible date and a link to the team page.
6. The article is revisited when we learn of changes or receive a correction.

Corrections

If you find an error, please contact us with the page, the statement and, if possible, a link to a public source. We review corrections promptly. When a correction is confirmed, we update the page. If a mistake could materially mislead readers, we fix it as a priority.

Updates

Lenders change their apps, names, fees and requirements. We review pages when we learn of a change and when our publication cycle comes around. The date shown on a page is its current publication date. Readers should still confirm key figures in the lender's own app and on official registers before deciding.

Commercial relationships

Cashify is free to read. Some of the lenders we list may compensate us when a reader follows a link on our pages and completes an application. This does not affect how we evaluate or order lenders, what we write about them or whether we mention a risk. Commercial relationships never determine our conclusions, and we do not accept payment to change an assessment.

Use of automated tools

We may use software to help with research, formatting or checking. People remain responsible for what we publish. Every figure and claim is reviewed against its source by a member of the team before publication.

What our content is not

• It is not financial, legal or tax advice. See our Disclaimer.
• It is not an offer or a recommendation to borrow from any lender.
• It is not a guarantee that any lender will approve you or that a figure will match your offer.

Contact

Questions about this policy can be sent to admin@cashify-ph.com. You can also learn more about us on the About Us page. Thank you for reading Cashify.