Privacy Policy

Last updated: March 22, 2026

GabayPH ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website at gabayph.net (the "Site"). This policy complies with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its Implementing Rules and Regulations.

1. Information We Collect

Automatically Collected Information

When you visit our Site, certain information is collected automatically, including:

  • IP address (anonymized)
  • Browser type and version
  • Operating system
  • Pages visited and time spent on each page
  • Referring website or source
  • Device type (desktop, mobile, tablet)
  • Approximate geographic location (country/region level)

Information You Provide

If you contact us via our contact form or email, we may collect your name, email address, and the content of your message. We only use this information to respond to your inquiry.

Interactive Tools & Quizzes

Our interactive finance tools (expense tracker, bill splitter, loan calculator) and quizzes (savings quiz, financial health score, budget personality) store your inputs and results in your browser's localStorage. This data never leaves your device — it is not sent to our servers or any third party. You can clear this data at any time by clearing your browser data or using the "Retake" function on quiz pages.

2. Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC, to analyze how visitors use our Site. Google Analytics uses cookies — small text files stored on your device — to collect information about your visit.

The information generated by the cookie about your use of the Site is transmitted to and stored by Google on servers that may be located outside the Philippines. Google uses this information to evaluate your use of the Site, compile reports on website activity, and provide other services relating to website activity and internet usage.

Google Analytics data is used solely for traffic analysis and improving our content. We do not use Google Analytics to identify individual users.

Learn more: Google Privacy Policy

3. Google AdSense

We use Google AdSense, an advertising service provided by Google LLC, to display advertisements on our Site. Google AdSense uses cookies and similar technologies to serve ads based on your prior visits to our Site and other websites.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to our Site and/or other sites on the internet. These third-party vendors, including Google, use cookies to serve ads based on your browsing history.

You may opt out of personalized advertising by visiting Google Ads Settings. Alternatively, you can opt out of a third-party vendor's use of cookies by visiting aboutads.info.

Learn more: How Google uses advertising cookies

4. Cookies

Cookies are small text files that are stored on your device when you visit a website. Our Site uses cookies for the following purposes:

  • Essential cookies — Required for basic site functionality, such as remembering your cookie consent preference.
  • Analytics cookies — Used by Google Analytics to understand how visitors interact with our Site (see Section 2).
  • Advertising cookies — Used by Google AdSense to serve relevant advertisements (see Section 3).

How to Manage Cookies

You can control and delete cookies through your browser settings. Most browsers allow you to:

  • View what cookies are stored and delete them individually
  • Block third-party cookies
  • Block cookies from specific sites
  • Block all cookies
  • Delete all cookies when you close your browser

Please note that blocking or deleting cookies may affect your experience on our Site and other websites.

5. How We Use Your Information

We use the collected information for the following purposes:

  • To analyze website traffic and improve our content
  • To display relevant advertisements via Google AdSense
  • To respond to inquiries submitted through our contact form
  • To maintain and improve Site functionality
  • To detect and prevent technical issues

6. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share anonymized, aggregated data (such as total page views) that cannot be used to identify any individual.

Third-party service providers (Google Analytics and Google AdSense) process data on our behalf as described in Sections 2 and 3 above.

7. Data Retention

Google Analytics data is retained for 14 months, after which it is automatically deleted. Contact form messages are retained only for as long as necessary to respond to your inquiry, after which they are deleted.

8. Your Rights Under the Philippine Data Privacy Act

Under Republic Act No. 10173 (Data Privacy Act of 2012), you have the following rights as a data subject:

  • Right to be informed — You have the right to know how your personal data is being collected, used, and processed.
  • Right to access — You have the right to request access to your personal data that we hold.
  • Right to object — You have the right to object to the processing of your personal data, including processing for direct marketing.
  • Right to erasure or blocking — You have the right to request the removal or blocking of your personal data from our systems.
  • Right to rectification — You have the right to request correction of any inaccurate personal data.
  • Right to data portability — You have the right to obtain your personal data in a structured, commonly used format.
  • Right to file a complaint — You have the right to file a complaint with the National Privacy Commission (NPC) if you believe your data privacy rights have been violated.

To exercise any of these rights, please contact us at privacy@gabayph.net.

9. Data Security

We take reasonable measures to protect the information collected through our Site. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Children's Privacy

Our Site is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us at privacy@gabayph.net so we can promptly delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically for any changes.

12. Contact Us

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your data subject rights, please contact us at:

You may also file a complaint with the National Privacy Commission at privacy.gov.ph.